Time is one of the things money cannot buy. No
matter how much wealth a person has, they cannot buy back the last
five minutes. Retirement is time; time to do the things you
have always dreamed of. Time for the luxury to travel, to do
the
hobbies you never had time to do while you were working or
just being with your loved ones. Before you book that trip to the Caribbean,
here are some essentials to think about right now:
Essentials For Your 40s
Diversify investments.
Develop an estate plan.
Review your Will.
Re-evaluate insurance needs.
Analyze employer benefits.
Review business agreements and transfer plans.
Continue to build education funds.
Investigate a trust.
Essentials For Your 50s
Evaluate and update retirement plans.
Diversify your investments.
Think about long-term health care.
Review business agreements and transfer plans.
Re-evaluate insurance needs.
Review estate plan.
Review and revise Will and Living Will.
Analyze employer benefits.
Consider annuities.
Essentials For Your 60s
Re-evaluate budget and cash flow.
Review your Will and Living Will.
Review estate plan.
Consider income-producing investments.
Look into part time employment.
Make sure long-term care needs are met.
Supplement Medicare.
Review business agreements and transfer plans.
Consider annuities.
Essentials For Your 70s
Review your Will and Living Will.
Review estate plan.
Re-evaluate budget and cash flow.
Make sure long-term care needs are met.
Supplement Medicare
Review business agreements and transfer plans.
Some questions you need to ask yourself:
How much do I need to retire?
What do I do with my 401(k), Profit Sharing and Pension?
IRAs. What is the difference between them?
What is the best way to receive qualified plan
or IRA distributions?
How do I to maximize the return of my
investment?
A Way to M
aximize
the Return on Your Investment*
Money in the BankMoney in a Guaranteed Return Annuity
$50,000 @ 2.32%
5 Year
Interest = $5,800
Taxed @ 28% = -($1,624)
Gain =
$4,176
Five
Year Total = $54,176
Rates
From The Top Largest Banks:
1.83%, 1.85%, 1.98%,
2.08%, 2.32%
$50,000 @ 5.5%
5 Year
Interest = $13,750
Taxed Deferred Interest = $3,850
Gain = $13,750
Five Year
Total = $63,750
Average
Return Of 6%
$65,000
$100,000 @ 2.32%
5 Year
Interest = $11,600
Taxed @ 28% = -($3,248)
Gain = $8,352
Five Year
Total =
$108,352
Rates From The
Top Largest Banks 1.83%, 1.90%, 1.98%,
2.13%, 2.32%
$100,000 @ 5.5%
5 Year
Interest = $27,500
Taxed Deferred Interest = $7,700
Gain =
$27,500
Five
Year Total = $127,500
Average Return Of
6%
$130,000
BankGuaranteed
Return Annuity
No
withdrawals Allowed
Taxed on money You don't use FDIC Insured
No access for Emergency situations
Withdrawals Allowed
Tax Deferred Growth
Insured By Insurance Companies all funds available
for medical emergency
*This is
an illustration of returns available in the market today. Returns
may vary depending on length of time you let your
money grow. Some clients use the interest return for income while others
choose growth. This can also be an excellent option for funding retirement
programs. There is no safe investment that can match a tax-deferred
vehicle; the numbers speak for themselves. Can money grow in the
stock market? Yes, it can, but it also can be lost. History
has shown that the market will always adjust in a ten year time
period.
When it comes time that a person needs it most; it is
devastating to see your nest egg grow only to have it disappear
right in front of your eyes. We believe in safety instead of
risk. Not one of our clients has lost a penny in this
topsy-turvy market!
I don't want lose money in the market, but I need a good return.
I have not been saving enough.
I am getting close to retirement and need a steady income.
CD investment returns are not enough to live on.
Social Security benefits will be taxed more or will be cut substantially.
Rising inflation will cut into my income.
I can't save for retirement and college at the same time.
Name
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E-mail
Phone
Additional Concerns
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l
information disclosed is kept private and confidential.
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ATTEND A WORKSHOP ON THIS TOPIC
California Estate Preservation, LLC
(408) 369-8600
Toll
Free (888) 825-0400
