Time Matters www.edwardjones.com Member SIPC 1 Time Matters 2 PAGE 1 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
Retirement Ready QUIZ 3 Retirement Ready Quiz 1 2 3 4 5 I understand my current financial situation. I m responsible for our finances. I will manage our finances in the future. I m looking forward to my retirement. I have a clear picture of what I want to do during retirement. 4 PAGE 2 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
6 7 8 9 10 Retirement Ready Quiz (continued) I have a retirement income strategy. I have a handle on my debt (mortgage, loans, other consumer debt). I understand the role Social Security will play. Inflation will impact my retirement. The cost of health care will impact my retirement. 5 Retirement Ready 6 PAGE 3 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
Retirement Vision When do you plan to retire? What are your spending goals? What are your key concerns? 7 Sandwich Generation 8 PAGE 4 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
Time Matters 9 Retirement Mind-set: Key Life Events Financial house in order Changes in circumstance with loved ones and friends Career winding down/ encore career 10 PAGE 5 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
Retirement Mind-set Plan on living longer than you think Start smart with your spending Anticipate rising costs (including inflation and health care) 11 ALL ABOUT INCOME Outside Sources of Income Savings and Investment Sources of Retirement Income 12 PAGE 6 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
Outside Sources of Income Social Security and the Value of Your Benefit 13 Social Security View your decision through a LENS: L E N S Life Expectancy Employment Need Spouse This information is believed to be reliable, but investors should rely on information from the Social Security Administration before making a decision on when to take Social Security benefits. 14 PAGE 7 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
SAVINGS AND INVESTMENT SOURCES of Retirement Income 15 Savings and Investment Sources of Retirement Income Withdrawal Rate Reliance Rate 16 PAGE 8 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
Preparing for the Unexpected 17 Preparing for the Unexpected Market and Inflation Risk Incorporate Insure 18 PAGE 9 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
Preparing for the Unexpected Market and Inflation Risk Incorporate Insure 19 Preparing for the Unexpected Health Care and Long-term Care Costs Incorporate Insure 20 PAGE 10 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
Retiree Household Expenditures 16% Other 5% Entertainment 15% Transportation & Fuel 2% Apparel 14% Food 35% Housing & Utilities 13% Health Care Expenditures for ages 65 and older in 2015. Scaled for a household of two. Source: Federal Reserve, Edward Jones estimates. 21 Preparing for the Unexpected Traditional Medical Expenses We believe budgeting $4,000 to $6,500 per year per person is a good starting point. While the Medicare content is believed to be accurate, you should rely on information provided by the organization before making a Medicare decision. 22 PAGE 11 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
Preparing for the Unexpected CONTROL How You Prepare for Long-term Care Cost Save for it Insure against it 23 Retirement Mind-set Plan on living longer than you think Start smart with your spending Anticipate rising costs (including inflation and health care) 24 PAGE 12 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.
TIME MATTERS Longer life spans The timing of your Social Security benefit Making your savings and investment retirement income last Weighing risks that have the potential to lessen your portfolio s life span 25 PAGE 13 OF 13 MKD-8034B-A-NS EXP 31 MAR 2020 2018 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED.