IntroductionWho am I and Why am I here?

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Why Are We Not Investing?1. No money to spare in my budget – I can’t afford it2. Retirement is so far away. I promise I will invest

one day3. I’m afraid of losing money in the stock market (I

don’t understand it)

Let’s talk about these things…Let’s Imagine Retirement You, What Would You Be Screaming At

Current YOU?

Question I Asked My Wife – If You Were In This Seminar, What Would You Want To Gain From It?• I Realize I look 35, but I’m 45, is there hope for me?•Where do I even begin?• Tell me what will work and what should I do starting today?It Doesn’t Have To Be Hard – I Like

Simple

Step 1 – Answer These Questions1. Where Am I Now?

• What Is My Current Cost Of Living?• How Much Longer Can I Or Do I Want To Work?• What Is My Current Financial Situation?• What Retirement Savings Options Are Available To Me?• What Is My Current Annual Retirement Savings?• What Is My Risk Tolerance?

2. Where Do I Want To Go?• What Will My Cost Of Living Be In Retirement?• What Will I Assume For Inflation?• How Much Risk Do I Need To Take To Reach My Goals?• What Retirement Income Do I Have That I Can Count On?

• Social SecurityOOHHH These Question Are Harder To Answer???!!!! – Don’t Panic

Use An Online Calculator - Easy

Step 2 – Now We Have An Idea Of What We Need To Do1. Where Do I Invest?• Employer Sponsored Plan (401k $18,000 or $24,000)

• Got To Get The Match• IRAs $5500 or $6500

• Advisor• On My Own• Betterment/Wealthfront

Step 3 – How Do I Choose Mutual Funds?1. Let’s Look At Some Different Asset Classes

• Stocks or Equities• Large Cap Growth / Large Cap Value• Mid Cap Growth / Mid Cap Value• Small Cap Growth / Small Cap Value

• Bonds• Cash Equivalent

• Money Market

First What Is Dow Jones and What is S&P 500? (S&P = 80% of US market)

Growth of $10,0003 years 5 years 10 years

$15,647 $20,569 $24,947

What Is A Mutual Fund? What Is A Growth Fund? Am I Diviersified? How Does It Work? I’m An Owner?

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Growth of $10,0003 years 5 years 10 years

$15,982 $19,225 $20,004

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$13,902 $16,768 $18,380

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$10,478 $11,742 $15,574

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Growth of $10,0003 years 5 years 10 years

$12,371 $14,752 $19,192

HOW!!!???? If I don’t have a 401k/403b• Advisor

• Who? What kind?• Expense• Is it worth it?• Accountability Calming

• Betterment or Wealthfront – Show Betterment Account• Cheap• Effective• No Accountability/No one to talk you off the ledge

• Do it yourself• DALBAR – 20 year results 9.85% S&P 5.19% Investor = 4.66% difference!!

• Herding effect• Loss Aversion

Bottom Line For Investing• You’ve got to know what it costs you to live• Use a calculator to help you determine what you might

need in the future• Save As Much As you can for as long as you can• Understand Your Risk Tolerance And Rebalance To

Maintain – If You Jump In and Out, You Will Get Hurt – Guaranteed• Paul Merriman at Paulmerriman.com

What’s It All About• Retirement Isn’t Just About Financial Wealth• The Holistic Approach• Spiritual Health• Wellness• Purpose• Giving Back – The Best Investment You Can Ever Make