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1.
2. The plan itself
used to be simple
» Retire
» Pension checks
showed up in
the mail
Aria Retirement Solutions
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3. Today…
Pensions have been
replaced by the 401k
» So that means you
get one check
» And now it’s up to
you to make it last…
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4. Today’s challenge
» People are living longer,
healthier lives
» Interest rates are at
historic lows
» Equities are volatile
» Therefore, it can be
confusing for retirees
on where to turn for
income.
Aria Retirement Solutions
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5. Society of Actuaries website www.soa.org, May 23, 2013
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8. » Equity exposure to
combat inflation
» Assets remain invested
with your advisor
» Guaranteed income to
protect from downside risk
» Flexibility to make changes
whenever life demands it
» Simple, predictable
income stream
Aria Retirement Solutions
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As the slide says, different generations had a pretty simple approach to retirement…Save for retirement, take that savings and invest conservatively using CDs and Bonds, but for the most part, count on Social Security and their Pension to meet their retirement income goals.Thanks to their pension, they had a check in their mailbox every month.
However, pensions are not as prevalent as they once were. The pension has been replaced by the 401k.So what does that mean? With a 401k you get one check. And it’s up to you to make that one check last a lifetime.
As you embrace that challenge, here are the potential “avalanches” that wait for you.Speak to bullet points.
First lets discuss Longevity.Everyone knows that people are living longer, healthier lives. But lets take a closer look at some data to back up that statement.At age 65, men have a 52% chance they’ll live until 85 and a 13% chance they’ll live until 95; women have a 59% chance they’ll live until 85 and a 20% chance they’ll live until 95.A healthy couple of ages 65 has a 50% chance of at least one spouse living beyond 92 and a 25% chance one will live beyond 97. That means there’s a strong possibility the retirement income for you and your spouse will need to last 25 years or more!
So, with fixed income at all time lows, and the equity markets making it tough to sleep at night, what, as investors, can you do to generate and protect enough retirement income to live off of?
This is where we introduce you to a brand new solution customized for clients of RIAs that provides both the opportunity of investing in the equity markets with the certainty you need to build a successful retirement income plan.
