Retirement Planning

by Steven Evens

Prologue Before I start

“It’s important...” Research-oriented Afraid, embarrassed?

You are not alone

Defining retirement How to plan

Life in quarters

Things to Know Dream vs. Reality Retirement Success

Sustainability Projected Income Inheritance

$1000 in cash

Savings @ 3% $1030

$1000 for

laptop

Inflation @ 5% $1050

$100 each

month

Ages 25-55 @ 5%

$85,041.63

$100 each month

Ages 15-35 @ 5%

$115,660.12

Things to Know Concepts

Modern Portfolio Theory Power of Compounding Inflation

Things to Know Employer Plans

Defined-Benefit Traditional pension

Defined-Contribution Your current options Vesting Rules

401(k) 403(b)

SIMPLE IRA* Roth IRA

Profit-sharing ESOPs

Keogh Miscellaneous

*Individual Retirement Account**Employee Stock Ownership Plan

Things to Know Insurance

Protects personal health and financial assets

Health Disability

Rent/Home Automobile

Long-term Life

Umbrella Miscellaneous

* *

*

Things to Know Social Security and IRS

Give and take Financial Planners

Planners do not make you money Planners make your money make you money

Knowledge in Practice Tidemark Financial

Mr. David Abolafia Mrs. Andrea McCallum

Charity Involvement Peace of Mind Income Potential

My Career Future Finance

Recognition: A Sense of Urgency Start now!

Epilogue My Stretch: Research Paper

PAST (0-18)No wealth, no debt

PRESENT (19-54)No wealth, more

debt

FUTURE (55+)More wealth, no

debt

Thank you for your time.

Questions?