Life After WorkHow to Create a Sustainable Income Stream in Retirement

Presented by[Name]

[Firm name][Disclosures]

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This is a PREVIEW ONLY version of this program.

Learn to present this workshop to clients and advisors as part of Advisor/Client’s “Host a Retirement Income Workshop”

Host A Retirement Income Workshop includes:

Complete guide for how to give a client workshop.

Workshop presentation (FINRA-reviewed): Script and slides for "Life After Work: How to Create a Sustainable Income Stream in Retirement“

Invitations, telephone script and e-mail campaign

(FINRA-reviewed)

Workshop evaluation form and appointment request form.

Client worksheet and document checklist for first appointment

Article reprints (FINRA-reviewed) for discussion, sharing, and follow-up.

FOR REVIEW PURPOSES ONLY

How much income you will need Where that income will come from When you will start Social Security Whether or not you should work How to manage withdrawals for a

sustainable lifestyle

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FOR REVIEW PURPOSES ONLY

Source: Best-Case Strategies for a Flexible Retirement, Metlife Mature Market Institute, February 2011 5

FOR REVIEW PURPOSES ONLY

Where will you live?

What will you do?

How long will you live?

What surprises does life hold?

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Considerations◦ Proximity to children and grandchildren◦ Affordability◦ Employment and business opportunities◦ Travel plans◦ General preferences

Climate Culture Recreation

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Income-generating activities◦ Employment◦ Own business (profitable)

Expense-generating activities◦ Hobbies◦ Travel◦ Own business (startup)

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Average life expectancy – only useful for insurance companies

Your life expectancy – how to estimate◦ www.livingto100.com

Life expectancy to ensure your money lasts: age 95 or 100

Current age

Men Women

50 28.8 32.555 24.7 28.060 20.7 23.865 17.0 19.770 13.6 15.9

Source: Centers for Disease Control and Prevention, Table 7

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Health Family Economy Major disasters

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FOR REVIEW PURPOSES ONLYHousing $_______Food $_______Transportation $_______Clothing and personal items $_______Discretionary: hobbies, travel, etc. $_______Insurance $_______Taxes $_______Total $_______

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These slides removed from preview. Slide 12- Retirement Income Sources Slide 13- Retirement Income Sources,

Average Slide 14- Retirement Income Sources,

Lowest Quintile Slide 15- Retirement Income Sources,

Highest Quintile Slide 16- Social Security- How Much Will You

Receive? Slide 17- Pension Slide 18- Work

FOR REVIEW PURPOSES ONLY

These slides removed from preview. Slide 19- Asset Income from Personal Savings Slide 20- Asset Income, Possible Approaches Slide 21- “Live Off the Interest” Slide 22- “Mandatory vs. Discretionary” Slide 23- “4% Rule” Slide 24- “Bucket Strategy” Slide 25- “Pros and Cons” Slide 26- What About Income Taxes? Slide 27- Best Case Strategist Slide 28- Best Case Strategist (cont.) Slide 29- How We Can Help Slide 30- Action Plan Slide 31- Contact Us

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