This document provides an overview of planning for retirement. It discusses defining retirement dreams and developing a retirement plan, including estimating expenses, identifying future income sources, and ensuring adequate savings. The document emphasizes balancing security, enjoyment, and reducing risks through proper planning. It encourages the reader to take action now by scheduling a consultation to discuss financial planning concepts.

1. Eric J. Negron, AWMA®
Planning for a Financial Advisor
2012
confident retirement
Brokerage, investments and financial advisory services are made available through Ameriprise
Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available
in all jurisdictions or to all clients. © 2010-2011 Ameriprise Financial, Inc. All rights reserved.

2. Our Advisors. Your Dreams.
MORE WITHIN REACH®

4. Four cornerstones of your financial life

5. About me
Eric J. Negron, AWMA®
Qualifications:
Accredited Wealth
Management Advisor™
Series 7
Series 6
Series 66
Series 63
Licensed Insurance Agent

6. You have to have a plan
Retirement
Only 16% of workers are very confident
about having enough money
for a comfortable retirement
NOW FUTURE
Source: 2010 Retirement Confidence Survey: Confidence Stabilizing, But Preparations Continue to Erode. EBRI Issue Brief, March 2010

8. Define your dreams

9. Your retirement

10. Develop your plan

11. Your spending

12. Expenses shift over time

13. This used to be enough
INCOME
GOAL
PERSONAL SAVINGS
SOCIAL SECURITY
COMPANY PENSION

14. Future income sources
INCOME
GOAL
PERSONAL SAVINGS
SOCIAL SECURITY
COMPANY PENSION

15. Replace your paycheck

16. Guaranteed income
Variable annuities are insurance products that are complex long-term investment vehicles that are subject to market risk, including the potential loss of principle invested.
Before you invest, be sure to ask your financial professional about the variable annuity’s features, benefits, risks and fees, and whether the variable annuity is appropriate
for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company and, on variable
annuities, do not apply to the performance of the variable subaccounts which will vary with market conditions.

17. Planning for retirement dollars
TARGET
NET INCOME $2k
PERSONAL SAVINGS
$2k
SOCIAL SECURITY
COMPANY PENSION $1k
This illustration is hypothetical and is not meant to represent any specific investment or to imply and guaranteed rate of return.

18. Planning for retirement dollars
TARGET
NET INCOME
$5k/mo
INCOME ANNUITY $1k
PERSONAL SAVINGS $1k
$2k
SOCIAL SECURITY
COMPANY PENSION $1k
This illustration is hypothetical and is not meant to represent any specific investment or to imply and guaranteed rate of return.

19. Your nest egg – is it enough?
ANNUAL
AMOUNT $40k $85k $100k
DESIRED
RETIREMENT $964k $2.05M $2.41M
NEST EGG
Assumes an after-tax portfolio with a tax rate of 25%, 7% annual yield (a moderately aggressive risk tolerance portfolio), 4% annual inflation, and depletion of funds after
a 30-year retirement. Does not take account of investment or product fees or state taxes, if any. Income is increased annually at rate of inflation. This information is
shown for illustrative purposes only, and does not represent any specific product or investment. Your actual investment results will vary.

20. How should you invest?
FAR FROM NEAR IN
RETIREMENT RETIREMENT RETIREMENT
Asset allocation does not assure a profit or protect against loss in declining markets.

21. Understand your risks
HEALTH
UNEXPECTED MARKET WITHDRAWAL
CARE LONGEVITY INFLATION
EVENTS VOLATILITY RATE
NEEDS
Health care needs Unplanned The growing The risk of outliving Some economists Pulling too much
tend to increase developments in interconnectedness one’s assets is of believe that inflation from savings early
with age and health your life can have of world economies great concern in a is likely to climb in in retirement
care costs are ever a major impact on and the ever- time of rising life the years ahead, increases the risk
rising. your finances, increasing speed of expectancies and but even at low that you could
potentially forcing global capital flows earlier retirements. rates, inflation can outlive your money.
you to withdraw have made the deteriorate the
money from savings markets more buying power of
and perhaps even volatile than ever. your savings.
jeopardize your Volatility can be
retirement particularly
accounts. damaging to a
portfolio during
retirement.

22. Long-term care
70% of Americans will need daily
help because of a disability.
(Source: Testimony of Kathy Greenlee Assistant Secretary Administration on Aging U.S. Department of Health and Human Services Before the Special Committee
on Aging United States Senate, May 26, 2011)

23. Tax treatment matters
TAX-
FREE
TAX-
TAXABLE DEFERRED
Ameriprise Financial and its representatives do not provide tax or legal advice. Consult your tax advisor or attorney regarding specific tax issues.

24. Some attractive features…
1 After-tax
dollars
Tax-free
withdrawals 2
ROTH
IRA
3 Limits on
contributions
No limits on
conversions 4
A Roth IRA is tax free as long as you leave the money in the account for at least 5 years and are 59 1/2 or older when you take distributions or meet
another qualifying event, such as death, disability or purchase of a first home.

25. Keep on track

26. It’s all about balance
SECURITY
ENJOYMENT

27. When do you withdraw?
AGE AGE AGE
55 59 .5 70 .5
MAY INCUR NO MUST START
PENALTY THE FLOW
A PENALTY

28. How much can you withdraw?
Amount saved Withdrawn amount
for retirement per month
At 10% rate At 4% rate
$1MM $8,300 $3,300
FOR 15 YEARS FOREVER

29. Your spending
VARIABLE GUARANTEED
INCOME INCOME

30. What’s in your estate?

31. Reduce tax risks

32. To review

34. Take action now
Call me today at (512) 691-5930 or email me at
eric.j.negron@ampf.com to schedule a complimentary 30
minute consultation.
The initial consultation provides an overview of financial planning concepts. You will
not receive written analysis and/or recommendations. Ameriprise Financial Services,
Inc Member FINRA and SIPC. © 2011 Ameriprise Financial, Inc. All rights reserved.
Brokerage, investments and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC.
Some products and services may not be available in all jurisdictions or to all clients. © 2010-2011 Ameriprise Financial, Inc. All rights reserved.