CAN I SAFELY RETIRE WITH THE MONEY THAT I VE SAVED? DO I NEED MORE?

Transcription

1

2 CAN I SAFELY RETIRE WITH THE MONEY THAT I VE SAVED? DO I NEED MORE? If this is a question you have ever asked yourself, pay close attention. When it comes to savings and investments, do you know how much money you will need in order to retire? Despite what Wall Street may say, making more money and chasing after the highest possible returns should not be your #1 goal in retirement. Why? Because that approach may not provide you consistent and reliable retirement income. Let s face it Relying on the stock market for retirement income may not be suitable, and the volatility of the stock market is proof. Here at Annuity Angel, we ve created an exclusive tool that will help show you how much cashflow you will need to produce from the money you already have. WE CALL IT THE: Oftentimes, retirees assume they need more money than what they have right now, in order to live the retirement of their dreams. This calculator will help demonstrate that this assumption may not be true. /

3 exposing it to stock market volatility that may never provide you consistent income. WHAT IS THE RETIREMENT CASHFLOW CALCULATOR DESIGNED TO DO AND HOW WILL IT MAKE A DIFFERENCE? You ve spent years saving for retirement, and now it s time to put your money to work. The Retirement Cashflow Calculator is designed to help give you a clear and accurate financial goal to aim for, in terms of what you need your savings to provide for you in retirement. Our job is to then make that goal a reality. The Retirement Cashflow Calculator will help you determine what you need your money to do, and we will help you determine how you can make your money do it. This calculator is a place for you and your spouse to put together all of your incomes-- from Social Security, pensions, and other sources as well as those expenses you think you will need. THE CALCULATOR WILL THEN SHOW YOU HOW MUCH CASHFLOW YOU WILL NEED TO GENERATE FROM EACH AND EVERY DOLLAR THAT YOU ALREADY HAVE. The purpose is to keep what money you already have and make good use of it, rather than Suppose you fill out the Retirement Cashflow Calculator and discover you need at least 10% cashflow in order to meet your retirement needs. The stock market may very well give you that 10% cashflow this year. It may even give it to you 10% cashflow next year, too. But will it last forever? Will you continue to get that 10% cashflow every single year for the rest of your life, like clockwork? No one can determine the future, but one thing is certain: investing in the stock market isn t designed to produce a constant stream of income. However, there are insurance products out there that can. Once you ve made the calculations and discovered your financial goal, the power is in your hands to go to an insurance company and say, if you want my money, this is what I need. SO, LET S FIGURE OUT WHAT YOU NEED STEP 1: Enter your total income per year from those sources where you receive a regular stream of income, such as Social Security, pensions, etc. STEP 2: STEP 3: Determine if you have a shortfall or a surplus. Are you bringing in more money you spend, or vice versa? If you have a shortfall (which is usually the case), we need to know exactly what that shortfall is this calculator will determine that. Once you know this number, then you have a target to aim for. /

4 ANNUAL INCOME DURING RETIREMENT RETIREMENT SAVINGS SOCIAL SECURITY - YOURSELF IRA SOCIAL SECURITY - SPOUSE 401K / 403B / 457 / ETC. PENSION - SELF ROTH PENSION - SPOUSE CASH OTHER GUARANTEED INCOMES OTHER TOTAL GUARANTEED INCOME TOTAL SAVINGS % AFTER FED. TAX - EST. MONTHLY EXPENSES CASH FLOW GOAL % MORTGAGE INSURANCES FOOD / DINING AUTO / FUEL UTILITIES / PHONE / INTERNET / CABLE FUN BUDGET - TRAVEL, GIFTS, ETC OTHER MONTHY EXPENSES TOTAL MONTHLY EXPENSES TOTAL ANNUAL EXPENSES *THIS IS WHAT EACH DOLLAR MUST PRODUCE EVERY YEAR ANNUAL SHORTFALL / SURPLUS FED TAX RATES SINGLE MARRIED FILING JOINT HEAD OF HOUSE 10% 0-8, , ,750 15% 8,925-36,250 17,850-72,500 12,750-48,600 25% 36,250-87,850 72, ,400 48, ,450 28% 87, , , , , ,150 33% 183, , , , , ,350 35% 398, , , , , , % 400,000 AND UP 450,000 AND UP 425,000 AND UP /

5 You have a monetary goal that you want to achieve in retirement, and you may not need more money to reach it. You need to ensure the money you already have will generate the cashflow you ve just calculated. Remember, it s not about chasing the highest rates. It s about getting the highest cashflow from every single dollar you ve saved and minimizing. Now that we have this number, we can shop the top insurance companies to find the best for your retirement needs HERE AT ANNUITYANGEL.COM, WE PUT THE POWER OF NEGOTIATION IN YOUR HANDS. Call us today at and we ll show you how you potentially can the highest cashflow from the money you ve worked hard to save. It s a free, no-obligation opportunity to make your financial goals a reality. /