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- 2. The plan itself used to be simple » Retire » Pension checks showed up in the mail Aria Retirement Solutions 2
- 3. Today… Pensions have been replaced by the 401k » So that means you get one check » And now it’s up to you to make it last… Aria Retirement Solutions 3
- 4. Today’s challenge » People are living longer, healthier lives » Interest rates are at historic lows » Equities are volatile » Therefore, it can be confusing for retirees on where to turn for income. Aria Retirement Solutions 4
- 5. Society of Actuaries website www.soa.org, May 23, 2013 Aria Retirement Solutions 5
- 8. » Equity exposure to combat inflation » Assets remain invested with your advisor » Guaranteed income to protect from downside risk » Flexibility to make changes whenever life demands it » Simple, predictable income stream Aria Retirement Solutions 8
Hinweis der Redaktion
- As the slide says, different generations had a pretty simple approach to retirement…Save for retirement, take that savings and invest conservatively using CDs and Bonds, but for the most part, count on Social Security and their Pension to meet their retirement income goals.Thanks to their pension, they had a check in their mailbox every month.
- However, pensions are not as prevalent as they once were. The pension has been replaced by the 401k.So what does that mean? With a 401k you get one check. And it’s up to you to make that one check last a lifetime.
- As you embrace that challenge, here are the potential “avalanches” that wait for you.Speak to bullet points.
- First lets discuss Longevity.Everyone knows that people are living longer, healthier lives. But lets take a closer look at some data to back up that statement.At age 65, men have a 52% chance they’ll live until 85 and a 13% chance they’ll live until 95; women have a 59% chance they’ll live until 85 and a 20% chance they’ll live until 95.A healthy couple of ages 65 has a 50% chance of at least one spouse living beyond 92 and a 25% chance one will live beyond 97. That means there’s a strong possibility the retirement income for you and your spouse will need to last 25 years or more!
- So, with fixed income at all time lows, and the equity markets making it tough to sleep at night, what, as investors, can you do to generate and protect enough retirement income to live off of?
- This is where we introduce you to a brand new solution customized for clients of RIAs that provides both the opportunity of investing in the equity markets with the certainty you need to build a successful retirement income plan.
- Speak to slide
- The process is quite simple…Speak to slide
- Speak to slide
- Speak to slide