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Inflation Destroys
Wealth and Life Dreams:
how can you safeguard
your future?
Brian Weatherdon MA, CFP, CLU, CPCA
Author, Speaker, Financial Planner.
Aligning your Wealth & Life to overcome fears and
secure your income, lifestyle, & comfort to age 105
How tame is inflation today?
• In recent years inflation feels tame near 2%
but normally it’s twice that high, and at times
more than 5 times that high. What’s that like?
• Say you sold a business today for $3Million, or
inherited or won that much, or got a pension
worth that much. Should this money be a key
to your income and financial security for life?
How fast does inflation eat
wealth?
• Consider inflation at 2% ....and at 8%
• Having $3Million today, within 15 years
– 2% inflation steals 25% even if you spent nothing.
– 8% inflation steals 70% even if you spent nothing.
• Do you see yourself living long enough for
inflation to eat away and steal your fortune,
your savings, the income you need for life?
Three ways of seeing our future
• Some want “security” to never fall below their basic
needs: inflation is a perennial enemy of security.
• Some want “freedom” to choose and achieve the
lifestyle they want: inflation is your bitter enemy.
• Some want “independence” and by simply keeping
what they have, they’ll never want for anything.
Inflation is absolutely your enemy!
• Where is security, freedom, or independence if
inflation eats wealth before you can enjoy it?
And then there’s health inflation:
• Health inflation has been >10%/year for >20
years: as boomers keep aging will this ease?
• Health spending naturally rises 10-fold
between our age 65 and age 80.
• “According to the IMF, the toll of aging on G20
nations will be 10 times that of the (2008)
financial crisis.” E.Yardeni, The Globe and Mail, July 2009
How can you manage inflation?
• Five types of investment can combine to
lower your inflation risk. Among your total
portfolio of investments & insurances your
wealth can outpace inflation.
• Life Income Mandates is a process to align life
and wealth, & happily outpace inflation while
increasing your future resources and income.
Click http://www.guaranteedincome4life.ca/blog/life-income-mandates/
If you don’t tame this inflation . . .
• You want to enjoy earlier years of retirement
but may be afraid that inflation will steal the
money you need for your 80s and 90s. You
have to protect your future!
• Life Horizons Analysis shows if you’re safe for
early, mid, and later retirement. Don’t aim to
work at 85! Steal inflation’s sting – now!
See, subscribe, share comments:
http://www.guaranteedincome4life.ca/blog/life-horizons-analysis-
assuring-income-life/
Key questions to consider
• Did inflation hit our families before? What
was it like when core inflation was 9%?
• What happened when baby boomers wanted
houses, or stocks? Cost rose! And as
boomers age and need health care? What
then?
• Have I built an inflation-protector into my
financial planning? How so, and how safe?
Resources to secure wealth & life:
• Share in the wider discussion at
www.GuaranteedIncome4Life.ca
• Get 5-star book, Amazon/Kindle/bookstores:
“A Lifetime Of Wealth – And How Not To Lose It”
http://www.amazon.com/Lifetime-Wealth-how-not-lose/dp/1489579540/ref=sr_1_1?
ie=UTF8&qid=1380311791&sr=8-1&keywords=a+lifetime+of+wealth+--
+and+how+not+to+lose+it
• Visit www.ALifetimeOfWealth.info
Resources to secure wealth & life:
• Share in the wider discussion at
www.GuaranteedIncome4Life.ca
• Get 5-star book, Amazon/Kindle/bookstores:
“A Lifetime Of Wealth – And How Not To Lose It”
http://www.amazon.com/Lifetime-Wealth-how-not-lose/dp/1489579540/ref=sr_1_1?
ie=UTF8&qid=1380311791&sr=8-1&keywords=a+lifetime+of+wealth+--
+and+how+not+to+lose+it
• Visit www.ALifetimeOfWealth.info

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Inflation Devours Wealth and Dreams

  • 1. Inflation Destroys Wealth and Life Dreams: how can you safeguard your future? Brian Weatherdon MA, CFP, CLU, CPCA Author, Speaker, Financial Planner. Aligning your Wealth & Life to overcome fears and secure your income, lifestyle, & comfort to age 105
  • 2. How tame is inflation today? • In recent years inflation feels tame near 2% but normally it’s twice that high, and at times more than 5 times that high. What’s that like? • Say you sold a business today for $3Million, or inherited or won that much, or got a pension worth that much. Should this money be a key to your income and financial security for life?
  • 3. How fast does inflation eat wealth? • Consider inflation at 2% ....and at 8% • Having $3Million today, within 15 years – 2% inflation steals 25% even if you spent nothing. – 8% inflation steals 70% even if you spent nothing. • Do you see yourself living long enough for inflation to eat away and steal your fortune, your savings, the income you need for life?
  • 4. Three ways of seeing our future • Some want “security” to never fall below their basic needs: inflation is a perennial enemy of security. • Some want “freedom” to choose and achieve the lifestyle they want: inflation is your bitter enemy. • Some want “independence” and by simply keeping what they have, they’ll never want for anything. Inflation is absolutely your enemy! • Where is security, freedom, or independence if inflation eats wealth before you can enjoy it?
  • 5. And then there’s health inflation: • Health inflation has been >10%/year for >20 years: as boomers keep aging will this ease? • Health spending naturally rises 10-fold between our age 65 and age 80. • “According to the IMF, the toll of aging on G20 nations will be 10 times that of the (2008) financial crisis.” E.Yardeni, The Globe and Mail, July 2009
  • 6. How can you manage inflation? • Five types of investment can combine to lower your inflation risk. Among your total portfolio of investments & insurances your wealth can outpace inflation. • Life Income Mandates is a process to align life and wealth, & happily outpace inflation while increasing your future resources and income. Click http://www.guaranteedincome4life.ca/blog/life-income-mandates/
  • 7. If you don’t tame this inflation . . . • You want to enjoy earlier years of retirement but may be afraid that inflation will steal the money you need for your 80s and 90s. You have to protect your future! • Life Horizons Analysis shows if you’re safe for early, mid, and later retirement. Don’t aim to work at 85! Steal inflation’s sting – now! See, subscribe, share comments: http://www.guaranteedincome4life.ca/blog/life-horizons-analysis- assuring-income-life/
  • 8. Key questions to consider • Did inflation hit our families before? What was it like when core inflation was 9%? • What happened when baby boomers wanted houses, or stocks? Cost rose! And as boomers age and need health care? What then? • Have I built an inflation-protector into my financial planning? How so, and how safe?
  • 9. Resources to secure wealth & life: • Share in the wider discussion at www.GuaranteedIncome4Life.ca • Get 5-star book, Amazon/Kindle/bookstores: “A Lifetime Of Wealth – And How Not To Lose It” http://www.amazon.com/Lifetime-Wealth-how-not-lose/dp/1489579540/ref=sr_1_1? ie=UTF8&qid=1380311791&sr=8-1&keywords=a+lifetime+of+wealth+-- +and+how+not+to+lose+it • Visit www.ALifetimeOfWealth.info
  • 10. Resources to secure wealth & life: • Share in the wider discussion at www.GuaranteedIncome4Life.ca • Get 5-star book, Amazon/Kindle/bookstores: “A Lifetime Of Wealth – And How Not To Lose It” http://www.amazon.com/Lifetime-Wealth-how-not-lose/dp/1489579540/ref=sr_1_1? ie=UTF8&qid=1380311791&sr=8-1&keywords=a+lifetime+of+wealth+-- +and+how+not+to+lose+it • Visit www.ALifetimeOfWealth.info