Crafting a Retirement Strategy Through Planning. The NSBA Sponsored Members Retirement Program. AXA Equitable Life Insurance Company (NY, NY)
|
|
- Arleen Kennedy
- 6 years ago
- Views:
Transcription
1 Crafting a Retirement Strategy Through Planning The NSBA Sponsored Members Retirement Program AXA Equitable Life Insurance Company (NY, NY)
2 Thinking Ahead Your Business, Your Future & the Members Retirement Program Santo LoPorto Senior Director Members Retirement Program Toll-free: (800) Direct: (201)
3 Thinking Ahead On the Agenda 1. Retirement challenges we all face 2. Strategies in saving for retirement 3. How retirement plans help meet the challenges 4. Key considerations when choosing a retirement plan 5. The Members Retirement Program 6. About AXA 7. Next steps
4 Retirement Challenges We All Face
5 Retirement Challenges We All Face Four Universal Retirement Planning Challenges Longevity Inflation Taxes Market volatility
6 Retirement Challenges We All Face
7 Retirement Challenges We All Face Longevity risk % 29.5% 58.1% Source: Society of Actuaries 2000 U.S. Annuity Table Based on statistics for the year 2000, a 65-year-old female has a greater than 40% probability of living to at least age 90. And there s almost a 1-in-3 chance that at least one member of a 65-year-old couple will live to at least age What are the risks today?
8 Retirement Challenges We All Face Inflation How Inflation Can Erode Retirement Income (Hypothetical Example)* Savings Needed for Out-of-Pocket Prescription Drug Expenses Retiring at Age 65 in 2010 and 2020* $190,000 $194,000 $600,000 $170,000 $150,000 $147,485 $400,000 Min Max $130,000 $108,759 $200,000 $110,000 $90, Years in Retirement $0 Retiring in 2010 Retiring in 2020 * For illustrative purposes only. This hypothetical example assumes an annual retirement income starting at $200,000 and a 3% annual rate of inflation over 20 years. * Paul Fronstin et al., Funding Savings Needed for Health Expenses for Persons Eligible for Medicare. Issue Brief no Employee Benefit Research Institute. December 2010.
9 Retirement Challenges We All Face Stock and Bond Volatility Varies
10 Stock and Bond Volatility Varies % Stocks Bonds Past performance is no guarantee of future results. Monthly percentage returns from This is for illustrative purposes only and not indicative of any investment. An investment cannot be made directly in an index Morningstar. All Rights Reserved.
11 Retirement Challenges We All Face Asset Class Returns Vary
12 Asset-Class Returns Highs and lows: % 142.9% % 50 Compound annual return: 12.3% 10.1% 40.4% 29.1% 14.7% 5.5% 5.3% 3.5% % 5.1% 0.0% % 43.3% 100 Small stocks Large stocks Long-term government bonds Intermediate-term government bonds Treasury bills Past performance is no guarantee of future results. Each bar shows the range of annual total returns for each asset class over the period This is for illustrative purposes only and not indicative of any investment. An investment cannot be made directly in an index Morningstar. All Rights Reserved.
13 Strategies in Saving for Retirement What Tax-Qualified Retirement Plans Offer Tax-deferred growth potential Compounding of any earnings Investment opportunities Asset allocation, dollar cost averaging, other tools Since dollar cost averaging involves continuously investing in securities regardless of fluctuating price levels, you need to consider your ability to continue purchasing through low price periods. Asset allocation does not guarantee a profit or protect against loss.
14 Strategies in Saving for Retirement
15 Strategies in Saving for Retirement Social Security and Income Replacement $2,663 16% $2,663 = The 2015 maximum monthly Social Security payment at full retirement age $14,004 84% $16,667 = The monthly payment required to replace an annual income of $200,000 Social Security Administration, Fact Sheet: 2015 Social Security Changes.
16 Strategies in Saving for Retirement Taxes $1,000,000 $800,000 $600,000 The Value of Tax-Deferred Investment Earnings (Hypothetical Example) $100,000 initial investment, 6% rate of return per year over 40 years, 28% federal income tax rate Tax-Deferred Investment (Before Taxes) Tax-Deferred Investment (After Taxes) Annually Taxed Investment $400,000 $200,000 $0 10 Years 20 Years 30 Years 40 Years For illustrative purposes only. This hypothetical chart does not represent actual performance of any specific product or investment. Withdrawals of tax-deferred earnings are subject to ordinary income tax. A 10% federal income tax penalty may also apply if you take the withdrawal before you reach age 59½. Dividends and sales profits on annually taxed investments are generally taxed at capital gains tax rates, which can be lower than ordinary federal income tax rates. Using capital gains tax rates with the taxed annually investment would reduce the difference between the taxed annually and tax-deferred accounts shown above. Many tax-deferred products have fees and charges, which are not included in the tax-deferred examples shown here. If they were, the returns of the tax-deferred examples including variable annuities would be lower. Consider your personal investment horizon and income tax bracket, both current and anticipated, when making an investment decision. These factors, as well as changes in tax rates and the treatment of investment earnings, may further affect the results of this comparison. Annuities are long-term financial products designed for retirement purpose. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump-sum amount at a later date. There are contract limitations and fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and withdrawal charges, administrative fees, and charges for optional benefits. Amounts in a variable annuity s investment portfolios are subject to fluctuation in value and market risk, including loss of principal. A financial professional can provide cost information and complete details. Actual results will vary. Rates of return will vary over time, particularly for long term investments. Investments offering the potential for higher rates of return also include a higher degree of risk. YEAR
17 Strategies in Saving for Retirement
18 Strategies in Saving for Retirement Hypothetical Example: Assumes 4% annual price inflation, deposits to plan at the end of each month, and 8% average annual returns. Taxes or investment fees have not been considered in this example. There are 52 weeks in a 365-day year. Newkirk Products, Inc. Research Although this example uses an assumed constant rate of return, actual rates of return will vary over time particularly for long-term investments.
19 Strategies in Saving for Retirement Inflation and Market Volatility
20 Reduction of Risk Over Time Small stocks Large stocks Government bonds Treasury bills 150% Compound annual return: 12.3% 10.0% 5.5% 3.5% year Holding period 5-year 20-year 1-year 5-year 20-year 1-year 5-year 20-year 1-year 5-year 20-year Past performance is no guarantee of future results. Each bar shows the range of compound annual returns for each asset class over the period This is for illustrative purposes only and not indicative of any investment. An investment cannot be made directly in an index Morningstar. All Rights Reserved.
21 Strategies in Saving for Retirement Volatility Strategies to help lessen market volatility Asset allocation/diversification One-stop investment portfolios Asset rebalancing Dollar cost averaging New features to meet changing needs Diversification, asset allocation, dollar cost averaging, and rebalancing do not guarantee a profit or protect against loss in a declining market.
22 Strategies in Saving for Retirement A sample portfolio allocation changes over time 21% 16% 37% 26% Bonds Small-Cap Stocks International Stocks Large Cap Stocks These charts are hypothetical and for illustrative purposes only, and not indicative of any investment. Rebalancing does not guarantee a profit or protect against loss in a declining market. Past performance is no guarantee of future results. 22
23 Strategies in Saving for Retirement Market Timing Risk
24 Market-Timing Risk The effects of missing the best month of annual returns % Return Return if invested for the whole year 30 Return if the best month is missed Annual return Annual return minus best month Past performance is no guarantee of future results. This is for illustrative purposes only and not indicative of any investment. An investment cannot be made directly in an index Morningstar. All Rights Reserved.
25 Key Considerations When Choosing a Retirement Plan
26 Key Considerations When Choosing a Retirement Plan A Retirement Plan and the Bottom Line Build Your Nest Egg Tax Deductions and Tax Deferred Growth Potential A carefully chosen retirement plan can Attract qualified candidates Retain key staff Minimize cost of plan administration
27 Choosing a Retirement Plan
28 Choosing a Retirement Plan Key Considerations Types of Retirement Plans Defined Contribution (ERISA) Other Profit-Sharing Plan New Comparability Plan 401(k) Plan Pension Plan Simplified Employee Pension Plan (SEP) SIMPLE IRA Traditional 401(k) Safe Harbor 401(k) SIMPLE 401(k) Owners 401(k) Roth 401(k)
29 Choosing a Retirement Plan Questions to Think about Before Deciding If the practice has full-time employees Will employees contribute to the plan? Would you like to contribute to employees accounts? Is the practice required to contribute to employees accounts? How much tax-deferred contributions are possible in the plan? How much will the plan cost to the practice, to you, to your employees? How much administrative responsibility will be involved?
30 The Members Retirement Program Designed Exclusively for NSBA Members Easily customized Tax-deferred savings Tools and educational materials An annuity contract that is purchased to fund a qualified retirement plan should be purchased for the annuity s features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit for the annuity. You may also want to consider the relative features, benefits, and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement. The Members Retirement Program (contract form # 6059) is funded by a group variable annuity contract issued and distributed by AXA Equitable Life Insurance Company(NY,NY).
31 Next Steps Make a List of your top reasons for starting or changing a retirement plan then: Visit us at the meeting Call a Retirement Program Specialist at (800) Fill out the online questionnaire at
32 The Members Retirement Program Important Information Annuities are long-term financial products designed for retirement purpose. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump-sum amount at a later date. There are contract limitations and fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and withdrawal charges, administrative fees, and charges for optional benefits. Amounts in a variable annuity s investment portfolios are subject to fluctuation in value and market risk, including loss of principal. A financial professional can provide cost information and complete details. The Members Retirement Program (contract form #6059) is funded by a group variable annuity contract issued and distributed by AXA Equitable Life Insurance Company, New York, NY. AXA Equitable does not provide tax or legal advice and is not affiliated with the NSBA. Clients should consult with their attorneys and/or tax advisors before purchasing a contract.
a roadmap for your retirement
retirement savings a roadmap for your retirement enrollment and review guide AXA Equitable Life Insurance Company (NY, NY) Enrollment and Review Guide This guide, in conjunction with other enrollment materials,
More informationMaking the Most of IRA Opportunities
Making the Most of IRA Opportunities Why Is Saving for Retirement So Important? Increasing life expectancies mean more time spent in retirement. Aging population puts added strain on Social Security and
More informationCreating Retirement Income to Last In this brochure, you ll find:
Creating Retirement Income to Last In this brochure, you ll find: An overview of the five key risks How to maximize income sources Your action plan Fidelity contact information Creating Retirement Income
More informationVariable Annuity. Variable Product Series. Building your future with a secure partner. Kansas City Life Insurance Company
Variable Annuity Variable Product Series Building your future with a secure partner Kansas City Life Insurance Company Variable Annuity Features at a Glance Minimum Deposit $5,000 minimum single deposit
More informationComplete your retirement picture with guaranteed income
Complete your retirement picture with guaranteed income ANNUITIES INCOME Brighthouse Income Annuity SM Add immediate income for more certainty. All guarantees are subject to the claims-paying ability and
More informationRetirement Cornerstone variable annuity with guaranteed benefit riders
Retirement Cornerstone variable annuity with guaranteed benefit riders Helping to Protect your Income in Unpredictable Markets Variable Products: Are Not a Deposit of Any Bank Are Not FDIC Insured by Any
More informationtaking control of my future
variable annuity taking control of my future Retirement Cornerstone variable annuity Variable Annuities: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal Government Agency
More informationFundamentals of Retirement Income Planning. Presented by Galen Mayo December 4, 2013
1 Fundamentals of Retirement Income Planning Presented by Galen Mayo December 4, 2013 2 Know Your Risks The Five Key Risks in Retirement 1. Longevity 2. Health care expenses 3. Inflation 4. Asset allocation
More informationWe re here to help YOU plan for the future
We re here to help YOU plan for the future RETIREMENT PLANNING Annuity Fund of the International Union of Operating Engineers, Local Union 94-94A-94B, AFL-CIO John Hancock Retirement Plan Services LLC
More informationManaging Your Retirement Income
Managing Your Retirement Income Developed by: 2006, National Association of Foundation for Retirement Education. All rights reserved. This presentation may not to be used without permission by NAVA or
More informationAffinity Variable Annuity
Affinity Variable Annuity Variable Product Series Building your future with a secure partner Kansas City Life Insurance Company Affinity Variable Annuity Features at a Glance Minimum Deposit Guaranteed
More informationMake it last PLAN TO SPEND YOUR RETIREMENT SAVINGS WISELY. John Hancock Retirement Plan Services LLC is also referred to as "John Hancock".
Make it last PLAN TO SPEND YOUR RETIREMENT SAVINGS WISELY John Hancock Retirement Plan Services LLC is also referred to as "John Hancock". Retiring soon 10,000 RETIRING EVERY DAY http://www.washingtonpost.com/blogs/fact-checker/wp/2014/07/24/do-10000-baby-boomers-retire-every-day/
More informationPreparing Your Savings for Retirement Miguel Salazar
Preparing Your Savings for Retirement Miguel Salazar The Retirement Income Series Part 1: Preparing Your Savings for Retirement Identify sources of income, including Social Security Assess the impact of
More informationFidelity Personal Retirement Annuity
Fidelity Personal Retirement Annuity Save more for retirement and manage your tax exposure. Investing in a variable annuity involves risk of loss investment returns and contract value are not guaranteed
More informationIs a Roth 403(b) Right For You? GE (04/18) (Exp. 04/20)
Is a Roth 403(b) Right For You? important information Information provided should not be construed as investment advice and you should seek professional advice based on your specific personal circumstances.
More informationSIMPLEs SIMPLE-IRA. Savings Incentive Match Plans for Employees of Small Employers & for Self-Employed Individuals. Questions & Answers
SIMPLEs SIMPLE-IRA Savings Incentive Match Plans for Employees of Small Employers & for Self-Employed Individuals Questions & Answers What is a SIMPLE-IRA plan? A SIMPLE-IRA plan is a type of employer-sponsored
More informationThe How Do I Save For Retirement Challenge
0278470-00003-00 Exp 12/12/2018 RSPP487 The How Do I Save For Retirement Challenge Presented by Dallas Chastain Place client logo here Magellan Health, Inc. Retirement Savings Plan This presentation is
More informationPlanning for Income to Last
Planning for Income to Last Retirement Income Planning Not FDIC Insured May Lose Value No Bank Guarantee This guide explains why you should consider developing a retirement income plan. It also discusses
More informationPlanning for income to last
For Investors Planning for income to last Retirement Income Planning Understand the five key financial risks facing retirees Determine how to maximize your income sources Develop a retirement income plan
More informationFact Card Update. Great News! Effective September 18, 2006, there will be additions to the
Variable Annuities Fact Card Update Great News! Effective September 18, 2006, there will be additions to the Variable Annuities investment portfolio line-up. The total number of variable investment portfolios
More informationGet an advantage for your retirement. Voya Select Advantage IRA Mutual Fund Custodial Account
Get an advantage for your retirement Voya Select Advantage IRA Mutual Fund Custodial Account Life brings change You have your own unique vision for what your life will hold. Whether you re switching jobs
More informationTHREE SIMPLE STEPS TO ENROLL
University of Minnesota Retirement Plans Complete the application Match the results Complete the quiz Retirement for U THREE SIMPLE STEPS TO ENROLL Need help? A Securian Plan Specialist can provide information
More informationSupplemental Income Using Life Insurance Presenter: Bruce Guillemette, MSM, CLU, ChFC, FLMI Vice President, AXA Distributors Advanced Markets
Supplemental Income Using Life Insurance Presenter: Bruce Guillemette, MSM, CLU, ChFC, FLMI Vice President, AXA Distributors Advanced Markets What We ll Cover Why Supplemental Income Inflation Tax Uncertainty
More informationDemystifying Annuities
Demystifying Annuities Agenda Lessons from Mt. Everest Retirement Planning Considerations How do you know what s right for you All About Annuities Tools and Resources Questions The Perils of Descent What
More informationRetirement Redefined: Income Planning for the Modern Retiree
Retirement Redefined: Income Planning for the Modern Retiree Challenges and choices facing pre-retiree baby boomers For participants. Not FDIC Insured May Lose Value No Bank Guarantee Retirement Income
More informationONcore Variable Annuities
ONcore Variable Annuities Plan Accumulate Protect Access Table of Contents 2 Plan Overcome Risk Through Planning 6 Accumulate Accumulate Wealth and Manage Risk Using ONcore Variable Annuities 8 Protect
More informationNo bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready
More informationA Guide to Planning a Financially Secure Retirement
A Guide to Planning a Financially Secure Retirement The information presented here is for general reference only, and may or may not be appropriate for your specific situation. A conversation with a financial
More informationPHOENIX PERSONAL PROTECTION CHOICE
Protect your financial future: Your income, your family, your lifestyle. PHOENIX PERSONAL PROTECTION CHOICE A single-premium fixed indexed annuity with flexibility to address multiple needs IRS Circular
More informationRetirement Redefined: Income Planning for the Modern Retiree
Retirement Redefined: Income Planning for the Modern Retiree Challenges and choices facing pre-retiree baby boomers For investors. Not FDIC Insured May Lose Value No Bank Guarantee Retirement Income Planning
More informationMEMBERS Zone Annuity CONFIDENCE, WITH POTENTIAL AND PROTECTION. Move confidently into the future REV 0418
MEMBERS Zone Annuity CONFIDENCE, WITH POTENTIAL AND PROTECTION Move confidently into the future 10003559 REV 0418 A financial services company serving financial institutions and their clients worldwide.
More informationIntroducing the AfterTax Roth Contribution. Option. October 2017
Introducing the AfterTax Roth Contribution Option October 2017 Today s Agenda The after-tax Roth contribution option Why the after-tax Roth contribution option may be right for you Comparing after-tax
More informationRetirement Guide: Saving and Planning
Retirement Guide: Saving and Planning It s Never Too Early to Start What You Need to Know About Saving for Retirement Many of us don t realize how much time we may spend in retirement. In fact, statistics
More informationThe 5-minute guide to variable annuities
The 5-minute guide to variable annuities Variable Annuities One investment Multiple possibilities Investing is one of the most intricate components of financial planning. In today s world, investors are
More informationTransition to a lifetime of financial security.
A Variable Annuity Guide for Individuals Transition to a lifetime of financial security. MassMutual Transitions Select SM variable annuity Financial security starts with good decisions Your future financial
More informationLegacy Maximizer. Analysis for: John Doe and Jane Doe Prepared on February 27, Your Financial Services Professional: Seth Stewart
Legacy Maximizer Analysis for: John Doe and Jane Doe Prepared on February 27, 2015 Your Financial Services Professional: Seth Stewart Getting the most out of your money In today's economy, using your money
More informationThe Macy s, Inc. 401(k) Plan & Save Actively Plus
The Macy s, Inc. 401(k) Plan & Save Actively Plus Get to know the savings opportunities available to eligible executives What You Need to Know The Save Actively program is designed to help you save for
More informationINVESTING IN YOUR FUTURE: A TIAA FINANCIAL ESSENTIALS WORKSHOP. Money at Work 1: Foundations of investing
INVESTING IN YOUR FUTURE: A TIAA FINANCIAL ESSENTIALS WORKSHOP Money at Work 1: Foundations of investing Staying on course: Today s agenda Retirement Advisor Understanding saving Risk tolerance Asset classes
More informationGet real. Find out what retirement may cost and how to get ready RETIREMENT PLAN SERVICES. Charles Davenport CFP, ChFC Private Wealth Advisor
RETIREMENT PLAN SERVICES Get real Find out what retirement may cost and how to get ready Charles Davenport CFP, ChFC Private Wealth Advisor April 10 th & 11 th 2018 2017 Lincoln National Corporation PRIORITIZE
More informationGUARANTEES. Income Diversification. Creating a Plan to Support Your Lifestyle in Retirement
GUARANTEES GROWTH FLEXIBILITY Income Diversification Creating a Plan to Support Your Lifestyle in Retirement Contents Build a Retirement Plan that Can Last a Lifetime 2 Retirement Is Different Today 4
More informationRetirement Income Strategies
176984567 Retirement Income Strategies Photo collage Taking steps toward planning a fit retirement FINANCIAL LITERACY EDUCATION PROGRAMS [Name of presenter] [Title of presenter] Agenda 1 The new retirement
More informationRSPP Exp 1/23/2019. Transition. Magellan Health, Inc. Retirement Savings Plan. Place client logo here
0286146-00002-00 Exp 1/23/2019 RSPP470 Transition Presented by Daniel Dionne. CRC Place client logo here Magellan Health, Inc. Retirement Savings Plan This presentation is intended to provide information
More information403(b) Tax Deferred Annuity Plan. Saving for the future you want
403(b) Tax Deferred Annuity Plan Saving for the future you want Many retirement experts agree...having the money you want in your later years comes from careful planning now. Important information: Variable
More informationREPORT PREPARED FOR Client Sample & Co-client Sample
REPORT PREPARED FOR Client Sample & Co-client Sample by Steve Harvey Steve Harvey LLC Generated on 01/30/2019 Steve Harvey 119 Oronoco Street, Suite 102 Alexandria, Virginia 22314 steve@steveharveyllc.com
More informationThe Roth contribution option. For retirement plans
The Roth contribution option For retirement plans Contents 2 The Roth contribution option savings choice Learn about the differences between pretax and after-tax contributions 4 Comparing Roth after-tax
More informationManaging market ups and downs. Three tips to help you invest with confidence RETIREMENT PLAN SERVICES
RETIREMENT PLAN SERVICES Managing market ups and downs Three tips to help you invest with confidence Insurance products issued by: The Lincoln National Life Insurance Company Lincoln Life & Annuity Company
More informationIN-SERVICE WITHDRAWALS
IN-SERVICE WITHDRAWALS from Your Employer-Sponsored Plan VAC0581-1117 STRATEGIES TO DIVERSIFY YOUR RETIREMENT PORTFOLIO If you and your financial advisor determine that an in-service withdrawal is right
More informationSATISFYING RETIREMENT
Many Americans worry about saving enough for the future and may not understand how to fully take advantage of their employer-sponsored retirement plan. We created this special report to help you make the
More informationIntroducing the after-tax contribution option Roth
Introducing the after-tax contribution option Roth Today s agenda The after-tax Roth contribution option Why the after-tax Roth contribution option may be right for you Comparing after-tax Roth contributions
More informationA Summary. of the. Boyertown Area School District s. 403(b) Tax Sheltered Account Program
A Summary of the Boyertown Area School District s 403(b) Tax Sheltered Account Program This Summary Plan Document (SPD) booklet is a brief description of the 403(b) Tax Sheltered Account (TSA) Plan and
More informationFundamentals of Retirement Income Planning
1 Fundamentals of Retirement Income Planning How will you know you re ready to retire? A simple question without a simple answer 2 How will you know you re ready to retire? A simple question without a
More informationRetirement Pathways Ritalka, Inc.
Retirement Pathways Ritalka, Inc. June 15, 2016 Welcome Today we will be discussing: Why it s important to save & Why saving now makes sense Determining your investing approach Determining an appropriate
More informationNationwide Clear Horizon Fixed & Indexed Annuity. Spend more time with the people who matter most, and less time planning for retirement.
Spend more time with the people who matter most, and less time planning for retirement. Nationwide Clear Horizon Fixed & Indexed Annuity Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution
More informationINCOME PROVIDER Single-Premium, Immediate Fixed Annuity
PACIFIC INCOME PROVIDER Single-Premium, Immediate Fixed Annuity FAC0718-1217 o WHY CHOOSE AN IMMEDIATE FIXED ANNUITY An immediate fixed annuity is a contract between you and an insurance company that helps:
More informationRETIREMENT PLANNING. Created by Raymond James using Ibbotson Presentation Materials 2011 Morningstar, Inc. All rights reserved. Used with permission.
RETIREMENT PLANNING Erik Melville 603 N Indian River Drive, Suite 300 Fort Pierce, FL 34950 772-460-2500 erik.melville@raymondjames.com www.melvillewealthmanagement.com Created by Raymond James using Ibbotson
More informationUnderstanding Traditional and Roth IRAs Investor Guide
Retirement IRA Understanding Traditional and Roth IRAs Investor Guide Not FDIC Insured May Lose Value Not Bank Guaranteed Get Ready for Retirement... Your Way Forget rocking chairs and lingering sunsets.
More informationCHOOSING A RETIREMENT SOLUTION. for Your Small Business
CHOOSING A RETIREMENT SOLUTION for Your Small Business This pamphlet is a joint project of the U.S. Department of Labor s Employee Benefits Security Administration (EBSA) and the Internal Revenue Service.
More informationTax Tips: Practical Ways to Reduce Your Tax Bill. John Sledgianowski Relationship Manager
Tax Tips: Practical Ways to Reduce Your Tax Bill John Sledgianowski Relationship Manager AAFMAA WEALTH MANAGEMENT & TRUST OUR MISSION: to be the premier provider of financial planning, investment management,
More informationStrategies for staying on track. Prepare yourself for the journey ahead
Strategies for staying on track Prepare yourself for the journey ahead TIAA and you: Working together to pursue a financially secure future At TIAA, our mission is simple: We re here to help our customers
More informationPACIFIC LIFE VARIABLE ANNUITIES
PACIFIC LIFE VARIABLE ANNUITIES Plan Your Retirement. Protect Your Family. 8/16 13141-16B o WHY CHOOSE A VARIABLE ANNUITY A variable annuity is a long-term contract between you and an insurance company
More informationAre you ready to roll?
Are you ready to roll? Is an IRA Rollover right for you? Variable Annuities: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal Government Agency Are Not Guaranteed by Any
More informationProtect your financial future. Your income, your family, your lifestyle.
Protect your financial future. Your income, your family, your lifestyle. P H O E N I X P E R S O N A L P R OT E C T I O N C H O I C E S M A single-premium fixed indexed annuity with flexibility to address
More informationPreparing for the challenges in retirement. Preparing for retirement ANNUITIES VARIABLE
Preparing for retirement ANNUITIES VARIABLE Preparing for the challenges in retirement ISSUED BY METLIFE INVESTORS INSURANCE COMPANY, METLIFE INVESTORS USA INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE
More informationRetirement Cornerstone 15 Variable Annuity Series B
Retirement Cornerstone 15 Variable Annuity Series B 2015 AXA Equitable Life Insurance Company (AXA Equitable), N.Y., N.Y. - All Rights Reserved Sales Support Training Strategy and Content For Financial
More informationPlanning ahead. Understanding your 403(b) plan. Plan Participant Guide RETIREMENT PLAN SERVICES
Planning ahead Understanding your 403(b) plan The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Plan Participant Guide RETIREMENT PLAN SERVICES 2073285 It all starts
More informationFOR RETIREMENT. Planning ahead. Understanding retirement plan loans. Plan Participant Guide
FOR RETIREMENT Planning ahead Understanding retirement plan loans Plan Participant Guide 2058723 What is a retirement plan loan? More than eight out of 10 Americans take advantage of the retirement plan
More informationThe Power to Help You Succeed
The Power to Help You Succeed Pacific Life has more than It s I essential lfor you to choose a strong and stable company that can help 140 years of experience, you achieve your future income needs. For
More informationFor Married Couples. A combined approach for reliable retirement income. Brighthouse FlexChoice Brighthouse Guaranteed Income Builder SM
For Married Couples A combined approach for reliable retirement income ANNUITIES VARIABLE & INCOME Brighthouse FlexChoice Brighthouse Guaranteed Income Builder SM brighthousefinancial.com All guarantees
More informationASIA PLUS 10. A Strategy Indexed Annuity Issued By American National Life Insurance Company of New York
ASIA PLUS 10 A Strategy Indexed Annuity Issued By American National Life Insurance Company of New York Your Life. Your Strategies. You ve come a long way. You re not a financial novice anymore. You have
More informationRetirement Cornerstone
Retirement Cornerstone variable annuity Variable Annuities: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal Government Agency Are Not Guaranteed by Any Bank or Savings
More informationEstablishing Your Retirement Income Stream
1 Establishing Your Retirement Income Stream What is important about retirement planning to you? 2 Building your retirement house 4 Legacy Benefits 3 2 Retirement income planning Accumulation 1 Expenses
More informationAXA 401(k) information gateway newsletter
AXA 401(k) information gateway newsletter volume 1, issue 2 Table of Contents Letter from Richard D. Frink 1 Snapshot of Success 2 Regulatory Update 3 Product and Service Highlights 6 Making Retirement
More informationMoney Management. Making the Most of Your Financial Future. Waddell & Reed (03/10) Waddell & Reed, Inc (03/10)
Money Management Making the Most of Your Financial Future Waddell & Reed, Inc. 10675 (03/10) What We ll Do Today Time is Money. What s important about money to you? Where does your money go? Your cash
More informationSmart Financial Strategies
Exploring your retirement possibilities. Smart Financial Strategies 01 Smart Financial Strategies Will you have enough? The changing face of retirement Increased life spans and earlier retirements are
More informationPACIFIC LIFE VARIABLE ANNUITIES
PACIFIC LIFE VARIABLE ANNUITIES Plan Your Retirement. Protect Your Family. VAC0229-0518 o WHY CHOOSE A VARIABLE ANNUITY A variable annuity is a long-term contract between you and an insurance company that
More informationRetirement Withdrawal Strategies WITHDRAWAL STRATEGIES DURING RETIREMENT MEET MARY ELLEN DUGGAN. I. Taking inventory of available resources
Retirement Withdrawal Strategies Not FDIC-insured. Not bank-guaranteed. May lose value. Dreyfus Service Corporation, Distributor CONVERGENT RETIREMENT PLAN SOLUTIONS, LLC WITHDRAWAL STRATEGIES DURING RETIREMENT
More informationsmart Plan Overview Massachusetts Deferred Compensation SMART Plan PARTICIPATE Office of the State Treasurer and Receiver General
smart S A V E M O N E Y A N D R E T I R E T O M O R R O W PARTICIPATE Plan Overview Massachusetts Deferred Compensation SMART Plan Office of the State Treasurer and Receiver General save for the future
More informationDistributions from your employersponsored. retirement plan. Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York
Distributions from your employersponsored retirement plan Understanding your options Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York AMK-068-N Page 1 of 12 Your
More informationEnroll today. Enjoy tomorrow. University System of Georgia Benefits 403(b) and 457(b) Retirement Plans SAVING : INVESTING : PLANNING
Enroll today. Enjoy tomorrow. University System of Georgia Benefits 403(b) and 457(b) Retirement Plans SAVING : INVESTING : PLANNING 2 It s your future. Make it the one you envision. As an employee of
More informationLincoln Investor Advantage SM
WealthProtection Expertise Lincoln Investor Advantage SM Protecting wealth through tax-efficient investing Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency
More informationGUIDANCE. Retirement Income Strategies SAVING : INVESTING : PLANNING
GUIDANCE Retirement Income Strategies About this seminar Objectives > To explore the major risks to retirement > To introduce the benefits of sound financial planning > To provide simple action steps to
More informationINVESTMENT POLICY GUIDANCE REPORT. Living in Retirement. A Successful Foundation
INVESTMENT POLICY GUIDANCE REPORT Living in Retirement A Successful Foundation Developing Your The process for creating a strategy Plan for the Expected Your Retirement Journey It all starts with you.
More informationTO FOCUS ON RETIREMENT
The Right Time TO FOCUS ON RETIREMENT Equian LLC Retirement Savings Plan Enrollment Overview REVERSED HEADLINE PRODUCTS AND FINANCIAL SERVICES PROVIDED BY AMERICAN UNITED LIFE INSURANCE COMPANY, A ONEAMERICA
More informationFlexible. for the ways life unfolds. FlexChoice. Not for use in the state of New York. brighthousefinancial.com ANNUITIES VARIABLE
01 What is FlexChoice? Flexible for the ways life unfolds. ANNUITIES VARIABLE FlexChoice Not for use in the state of New York. brighthousefinancial.com All guarantees are subject to the claims-paying ability
More information457(b) Deferred Compensation. Overview for Governmental and Public School entities
457(b) Deferred Compensation Overview for Governmental and Public School entities Retirement experts agree...having the money you want in your later years requires careful planning now. Plan ahead. To
More informationExtending Retirement Payouts by Optimizing the Sequence of Withdrawals
Extending Retirement Payouts by Optimizing the Sequence of Withdrawals A presentation to Participants of the The Optimal Retirement Withdrawal Strategy Conference sponsored by the NYU Salomon Center John
More informationRetirement Planning Utilizing Your Practice
Retirement Planning Utilizing Your Practice Connie Dello Buono CA Life Lic 0G60621 4088541883 Wealth Strategists, helping you with retirement plans: taxfree, risk fre, health benefits, 8-13% return, index
More informationLet s Talk Taxes. Managing taxes to keep your money working efficiently. Wealth Protection Expertise SM. Client Guide
Wealth Protection Expertise SM Let s Talk Taxes Managing taxes to keep your money working efficiently Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency Not
More informationFOR RETIREMENT. Planning ahead. Understanding the Roth feature of your 401(k) retirement plan. Plan Participant Guide
FOR RETIREMENT Planning ahead Understanding the Roth feature of your 401(k) retirement plan Plan Participant Guide 2057664 What is a Roth 401(k)? A Roth 401(k) allows you to make after-tax contributions
More informationLincoln InvestmentSolutions
Lincoln InvestmentSolutions SM variable annuity With options for guaranteed growth and income LINCOLN ANNUITIES Not a deposit Not FDIC-insured May go down in value Not insured by any federal government
More informationRetirement Planning Month
Taylor Financial Group s Monthly Planning Letter March 2018 Retirement Planning Month March is Retirement Planning Month at Taylor Financial Group According to recent Gallup polls, the average American
More informationAn Introduction to Indexed Annuities
An Introduction to Indexed Annuities Grow and Protect Your Assets Indexed annuities are a special type of fixed annuity that offers market-linked growth with little to no downside risk. While they typically
More informationRoth contributions. City of Seattle Voluntary Deferred Compensation Plan and Trust
Roth contributions City of Seattle Voluntary Deferred Compensation Plan and Trust The City of Seattle Voluntary Deferred Compensation Plan and Trust allows you to make after-tax Roth contributions that
More informationWelcome to the National Save for Retirement Week Web Conference. For Technical Support. How to Submit Your Questions Online
Welcome to the National Save for Retirement Week Web Conference For Technical Support If you re listening over the phone, please press *0. If you re listening through your computer speakers, email nreca_assist@commpartners.com.
More informationCHOOSING A RETIREMENT SOLUTION FOR YOUR SMALL BUISNESS EMPLOYEE BENEFITS SECURITY ADMINISTRATION UNITED STATES DEPARTMENT OF LABOR
CHOOSING A RETIREMENT SOLUTION FOR YOUR SMALL BUISNESS EMPLOYEE BENEFITS SECURITY ADMINISTRATION UNITED STATES DEPARTMENT OF LABOR Choosing a Retirement Solution for Your Small Business is a joint project
More informationYour retirement. Your way. Customize your retirement income with INCOME Promise Select.
Nationwide INCOME Promise Select Fixed Immediate Annuity Guide INCOME Promise Select Your retirement. Your way. Customize your retirement income with INCOME Promise Select. Not a deposit Not FDIC or NCUSIF
More informationYOUR RETIREMENT JOURNEY STARTS NOW.
YOUR RETIREMENT JOURNEY STARTS NOW. Ritalka, Inc. 401(k) Welcome Today we will be discussing: Why save now Determine an appropriate savings rate Determine your investing approach Completing the necessary
More informationFidelity Personal Retirement Annuity * TAX-EFFICIENT, 1 COST-EFFECTIVE SAVINGS
Fidelity Personal Retirement Annuity * TAX-EFFICIENT, 1 COST-EFFECTIVE SAVINGS A tax-efficient, cost-effective way 1 to help you save more FIDELITY PERSONAL RETIREMENT ANNUITY * An important piece of your
More informationLearn about tax-efficient investing. Investor education
Learn about tax-efficient investing Investor education Be a tax-conscious investor Of all the expenses investors pay, taxes have the potential for taking the biggest bite out of their total returns. That
More informationAn Easy-to-Understand Introduction to the Retirement Plan and the Savings Plan. Contributions. Other Benefits
An Easy-to-Understand Introduction to the Retirement Plan and the Savings Plan Annuities How the Plans Work Contributions Eligibility Enrollment Other Benefits September 2013 WELCOME TO THE YMCA RETIREMENT
More information