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  • Prepared for: {Client Name:1} on 11/24/2020

  • THE PROCESS

    Our process is designed to help our clients achieve simplicity and confidence during their retirement years. It’s focused around 5 key areas of your current financial life.

    FINANCIAL REVIEW

    We will perform a Financial Review of your current situation.

    • Assessing your Risk Tolerance
    • Adjusting your portfolio to reduce fees
    • Volatility Control
    • Evaluate ways to reduce risk while still working towards your goals

    INCOME PLANNING

    Sound Retirement Income Plans include a strategy to address and compensate for tax liabilities.

    • Social Security Maximization
    • Income & Expense Analysis
    • Inflation Plan
    • Spousal Plan
    • Longevity Protection

    TAX PLANNING

    Sound Retirement Income Plans include a strategy to address and compensate for tax liabilities.

    • Assessing the taxable nature of your current asset allocations
    • Strategizing ways to include tax-deferred or tax-free money in your plan
    • Strategize which tax category to draw income from first to potentially reduce tax burden
    • Discussing ways to leverage your qualified money to leave tax-free dollars to your beneficiaries

    HEALTH CARE PLANNING

    We will create a plan to help you protect yourself against rising healthcare costs with a minimum of expense, including:

    • Looking at all aspects of Medicare, Parts A, B and D
    • Analyzing options for a Long-Term Care Plan

    LEGACY PLANNING

    It is important to ensure your hard-earned assets go to your beneficiaries in the most tax
    efficient manner. By working collaboratively with a qualified Estate Planning Attorney, our goal
    will be to help you:

    • Maximize your estate and income tax planning opportunities
    • Protect any assets in trust and ensure they are distributed to your beneficiaries probate free
    • Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death

  • Overview

  • THOUGHTS FROM YOUR FINANCIAL PROFESSIONAL

    {Client Name:1}, I’ve enjoyed the opportunity to get to know you, understand your concerns for your money, and your goals for creating your own ideal retirement. You’ve done a great job working hard to accumulate a comfortable amount of wealth. As you read through the strategies and solutions in our report there may be some problem areas we recommend addressing. First and foremost, my team and I are going to address your concerns and goals. We look forward to a life-long relationship!

  • Financial Review

  • TOTAL AVAILABLE ASSETS

  • CURRENT ASSET ALLOCATION

  • DETAILED ASSET ALLOCATION

  • TAX STATUS OF ASSETS

  • IN GOOD ORDER

  • NEEDS ADDRESSED

  • PLAN OF ACTION

  • Based on the rule of 100, we suggest that a prudent person would not have an exceptionally high amount of money “at risk” based on their age. To determine the maximum amount of money you should have “at risk” in the markets, you should follow this formula: 100 – Your Age = Maximum %. So, if you’re 58, then your maximum allocation is 42% (100 – 58 = 42%).
    The rule of 100 is a general rule of thumb to provide an estimate only; individual circumstances and objectives will vary.

    Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

  • Income Plan

  • MONTHLY INCOME GOAL

  • CURRENT MONTHLY INCOME

  • TOTAL MONTHLY INCOME

  • IN GOOD ORDER

  • NEEDS ADDRESSED

  • ACTION PLAN

  • Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. As financial professionals we are able to provide you with information but not guidance or advice related to Social Security benefits. Our firm is not affiliated with the US government or any governmental agency.

  • Tax Plan

  • IN GOOD ORDER

  • OBJECTIVES ADDRESSED

  • PLAN OF ACTION

  • Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.

  • Healthcare Plan

  • IN GOOD ORDER

  • OBJECTIVES ADDRESSED

  • According to the Employee Benefit Research Institute (EBRI), a 65-year-old couple with median prescription-drug expenses who retire this year will need $168,000 to enjoy a 50% chance of being able to pay all their remaining lifetime medical bills and $270,000 to have a 90% chance.1

  • PLAN OF ACTION

  • 1Paul Fronstin, Jack VanDerhei.EBRI. May 28, 2020. “A Bit of Good News During the Pandemic: Savings Medicare Beneficiaries Need for Health Expenses Decrease in 2020.” https://www.ebri.org/content/a-bit-of-good-news-during-the-pandemic-savings-medicare-beneficiaries-need-for-health-expenses-decrease-in-2020. Accessed Sept. 21, 2020.

  • Legacy Plan

  • Use a qualified Estate Planning Attorney to provide pro-active advice. We have a network of referrals we highly recommend and can assist you in preparing for that meeting so make sure that you have all the information and questions you need.
  • Suggested objectives to discuss with estate planning attorney:
    • Discover the most useful means of owning property (transfer on death, etc.)
    • Distribute your estate in a manner that meets your legacy objectives
    • Provide enough money to meet known and expected settlement expenses at death
    • Preserve the assets you have worked hard to accumulate
    • Provide a satisfactory income for surviving spouse
    • Reduce estate and income taxes, administrative expenses, executor’s fees and attorney fees

  • IN GOOD ORDER

  • NEEDS ADDRESSED

  • PLAN OF ACTION

  • Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.
  • By signing below I/we are acknowledging receipt and acceptance of this Retirement Roadmap plan custom- designed by [Firm] to help me achieve my/our financial goals. I/We hold [Firm] and its representatives harmless for recommended actions not carried out by me/us.
  • [Firm] Financial Client Signature(s) & Date

    		 [Firm] Insurance Professional Signature & Date
  • We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives. This report utilizes and relies upon information shared by the client with respect to the client’s income, expenses and asset holdings. Information is believed to be reliable, but the accuracy of the information cannot be guaranteed.