1. WOMEN…THIS ISN’T YOUR GRANDMOTHER’S RETIREMENT!!! Different Generation… Different Economy… Different Needs…

2. What we know… 80-90% of women will be solely responsible for handling their finances at some point during their lives. Women can expect to live an average of five years longer than men, which means they’ll need to plan to have more money for their retirement years. Women are more likely to work in part-time jobs that don’t qualify for a retirement plan, and many aren’t employed outside the home.

3. What else we know… We are experiencing a very unstable, uncertain economy…so planning for the unexpected is more important than EVER. Retirees generally need 75-85% of their pre-retirement income to live comfortably in retirement. Traditional means of funding a comfortable retirement MAY NO LONGER WORK. Only 22% of young Americans say they are very or somewhat confident that, when they retire, they will receive Social Security benefits comparable to what retirees receive today.

4. Is Retirement REALLY retirement anymore??? SURPRISED???

5. What can you do? You Can… Stopthinking of your business as your only retirement option Use products which allow flexibility, avoid taxation and create lifetime income Diversify your sources of retirement income (don’t put all your financial “eggs” in one basket!) For example: Traditional IRA (depends on current tax bracket) Social Security (depends on government funding) Traditional Savings (typically low rate of return and doesn’t account for cost of living increases)

6. What can we do… We Can help you figure out… Where You Are Now Where You Want To Go How To Get There!!! WE CAN HELP YOU TAKE A “SNAPSHOT” OF YOUR CURRENT FINANCIAL SITUATION … And what that “picture” looks like … If you do nothing … If you do something … (take action steps now) AND … How your decision will impact life in your retirement years

7. Please…don’t Wait until it’s too late… Meet with a Financial Services Professional today!