Financial Wellness Workshops
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1 Financial Wellness Workshops - College Planning - Credit Management - Financial Wellness Financial Wellness for Employers - Health Care in Retirement - Life Insurance - Money Management - Preparing for Retirement - Savvy Social Security - Wealth Transfer Basics - Homeownership For more information about First Investors funds or variable life insurance products from Foresters Financial Services, Inc. you may obtain a free prospectus by contacting your representative, writing to the address below, calling or visiting our website at foresters.com. You should consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information, and should be read carefully before you invest or send money. An investment in a fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Foresters and Foresters Financial are the trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries, including Foresters Financial Services, Inc. All securities, life insurance and annuity products are offered through Foresters Financial Services, Inc. Insurance products are issued by Foresters Life Insurance and Annuity Company or The Independent Order of Foresters. This serves to provide some general information about our seminars. Nothing herein is intended to be a recommendation to buy or sell any security or intended to be investment advice. Foresters Financial Services, Inc. 40 Wall Street New York, NY foresters.com
2 Retirement Savings in America then and now 1991 Half of all American workers planned to retire before age 65¹ now and later Today, that number has plummeted to ¹ 23% million that number is expected to double² senior citizens were living in the U.S.² in fact 34% 21% as of 2007, the average costs of assisted living facilities of workers have estimated their of workers have calculated how much they will need in has expenses $3,600 3 risen to per month healthcare in retirement¹ expenses¹ and yet of all American workers: 39% of Americans say they don t contribute 47% < $1K less than $10,000 < $10K have to retirement accounts¹ 24% have saved for retirement¹ less than $1,000 saved for retirement¹ so what can you do? Regularly increase your savings rate every year you won t miss it and every bit counts. Learn more at foresters.com ¹ The 2017 Retirement Confidence Survey: Many Workers Lack Retirement Confidence and Feel Stressed About Retirement Preparations, Employee Benefit Research Institute. ² Profile America Facts for Features, March 27, 2017, Census.gov ³ The Cost of Assisted Living. Gina Roberts-Grey, Sep 06, 2017, Foresters Financial Services, Inc. 40 Wall Street New York, NY foresters.com
3 The power of compounding Assuming an 8% return on investment, this graphic shows the cost of waiting 10 years to start investing. Stephanie added $2,000 a year for only 10 years then stopped. Ryan waited 10 years to start then started adding the same $2,000 per year for 25 years. The most important step on any journey is the first one. Start today. Talk to your Representative. Stephanie Ryan Years Addition Total Return Years Addition Total Return 1 2, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , TOTAL $20, $214, TOTAL $50, $157, Hypothetical results are for illustrative purposes only and are not intended to represent the past or future performance of any specific securities. Examples are meant to illustrate the power of compounding with assumed contribution amounts and assumed investment amounts. These illustrations do not take into account any fees, charges or taxes associated with a particular product. This brochure provides general information only about the concepts discussed and you should speak with a Representative about income strategies. All investments involve risk, including possible loss of principal. You can lose money by investing in funds. Past performance is no guarantee of future results. Foresters Financial and Foresters are the trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries, including Foresters Financial Services, Inc. All securities, life insurance and annuity products are offered through Foresters Financial Services, Inc. Insurance products are issued by Foresters Life Insurance and Annuity Company or The Independent Order of Foresters. Member of FINRA, SIPC Foresters Financial Services, Inc. 40 Wall Street New York, NY forestersfinancial.com R
4 Financial Wellness Learn more about: Setting financial goals Building block approach: savings, insurance and investments Investing in mutual funds Choosing suitable investments Working with a financial services representative Budgeting and controlling debt Tax savings and investing And more For more information about First Investors funds or variable life insurance products from Foresters Financial Services, Inc. you may obtain a free prospectus by contacting your representative, writing to the address below, calling or visiting our website at forestersfinancial.com. You should consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information, and should be read carefully before you invest or send money. An investment in a fund is not a bank deposit and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Foresters Financial Services, Inc. does not work for the state or any school. Neither Foresters Financial Services, Inc. nor any of its affiliates provide legal, tax or estate planning services. Should you require such services, you should consult a legal, tax or estate planning professional. Foresters and Foresters Financial are the trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries, including Foresters Financial Services, Inc. All securities, life insurance and annuity products are offered through Foresters Financial Services, Inc. Insurance products are issued by Foresters Life Insurance and Annuity Company or The Independent Order of Foresters. Foresters Financial 40 Wall Street New York, NY forestersfinancial.com
5 Are your employees financially healthy? Are they prepared to handle investment and retirement decisions? Are these issues becoming a distraction and increasing stress at work? Foresters Financial sponsors financial wellness programs for organizations. Our program helps to educate and motivate employees to achieve their financial goals while helping to improve their productivity. Let us help. Contact us today! At Foresters Financial, we believe in doing more for you, your family and your community. Foresters Financial and Foresters are the trade names and trademarks of The Independent Order of Foresters, a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9 and its subsidiaries, including Foresters Financial Holding Company, Inc. (FFHC). Foresters Financial Services, Inc. is a registered broker-dealer and subsidiary of FFHC. Securities, life insurance and annuity products are offered through Foresters Financial Services, Inc. Insurance products are issued by Foresters Life Insurance and Annuity Company, New York, or The Independent Order of Foresters. All investment involves risk, including the risk that you may lose money B
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