Producer prospectoverview sept 8 2012 with narration
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Producer prospectoverview sept 8 2012 with narration
- 1. Plan Wisely. Build Wealth. Retire Comfortably.™ Sample Client © PRS,LLC 2006-2012 All Rights Reserved
- 2. How Much Must Someone Accumulate for Retirement? After Tax Retirement Income Goal: $100,000 Age Cash Needed at Age 65: 40 $3,615,099 45 3,118,416 50 2,689,973 55 2,320,394 60 2,001,593 based on 5% net rate of return on invested capital;
- 3. Your Retirement Objectives • To be prepared for retirement, you first need to establish your after tax income goal adjusted for inflation. • You also need to determine whether your retirement assets are sufficient to meet your goal. • If you are not on track, your next step is to look for a way to provide financial security in a tax efficient manner.
- 4. Retirement Path Roadmap™ Objectives • There are a few principles integral to adopting the Retirement Path Roadmap™ strategy: – Safety of principal – Long term tax minimization – Liquidity – Funding flexibility – Long term investment focus – Compound interest benefits over time
- 5. The Sample Case • Client DOB _______ 44 • Client annual retirement income goal (after-tax): $ 75,000 ____________ Tax-Qualified Retirement-Related Assets (Pension, SEPIRA, 401k) • Current value of all plan assets: $ 240,000 ___________ • What was last year’s contribution: $ 25,000 ___________ Non-Tax Qualified Retirement-Related Assets (Mutual funds, CDs, Annuities, etc.) • Current value of assets earmarked for retirement: $ 50,000 ____________ • Comments:
- 7. Retirement Path Roadmap™ Step 1: Projected Spend Down of Tax-Qualified Plan Assets Projected Distributions Projected Income Tax Obligations Projected After-Tax Income
- 8. Retirement Path Roadmap™ Step 2: Projected Spend Down of Other Retirement Assets
- 9. Your Projected Retirement Income Deficiency
- 10. What We Need to Know (Retirement Path Roadmap™) • Client: ________________________________ State: ________ • Client DOB _______ Client annual retirement income goal (after-tax): $ ____________ Tax-Qualified Retirement-Related Assets (Pension, SEPIRA, 401k) • Current value of all plan assets: $ ___________ • What was last year’s contribution: $ ___________ Non-Tax Qualified Retirement-Related Assets (Mutual funds, CDs, Annuities, etc) • Current value of assets earmarked for retirement: $ ____________ • Comments: