- 1. Keys to Investing for RetirementInvestment MattersHere to
serve.Please Call/Email with any questions.
2. Financial Matters SeriesFinancial Matters SeriesSecurities
and Investment Advisory services offered through Transamerica
Financial Advisors, Inc. (TFA), a registered investmentadvisor.
Member FINRA & SIPC. Non-Security products and services are not
offered through TFA. Providence Wealth Partners LLC andTFA are not
affiliated. We are licensed to sell securities in the following
states: CA, CO, IL, IN, MN, OR and TN. This should not beconsidered
a solicitation in any other state. Due to various state regulations
and registration requirements concerning the dissemination
ofinformation regarding investment products and services, we are
currently required to limit access of the following pages to
individualsresiding in states where we are currently registered. A
broker/dealer, investment advisor, BD agent or IA rep may only
transact businessin a particular state after licensure or
satisfying qualifications requirements of that state, or only if
they are excluded or exempted from thestates broker/dealer,
investment advisor, or BD agent or IA rep requirements, as the case
may be; and follow-up, individualizedresponses to consumers in a
particular state by broker/dealer, investment advisor, BD agent or
IA rep that involve either the effecting orattempting to effect
transactions in securities or the rendering of personalized
investment advice for compensation, as the case may be,shall not be
made without first complying with the states broker/dealer,
investment advisor, BD agent or IA rep requirements, or pursuantto
an applicable state exemption or exclusion.ProvidenceWealthPartners
3. How Much Will I Need?LUMP SUM MONTHLY INCOME$1 Million$2
Million$5 Millionor more?$5,000/MO$10,000/MO$15,000/MOor
more?ororororor 4. Click to PlayNOTE: Please download PDF to your
computer to view video. 5. Source: EBRI, 2012How Long Will
Retirement Last?an amount...but forhow long?
10years20years30years42%HAVE DETERMINEDTHAT THEY EXPECT TO NEED...
6. Retirement Income SourcesSource: Investment Company Institute,
2012$5Trillion$4Trillion$3Trillion$2Trillion$1TrillionDefined-ContributionPlansDefined-Benefit
PlansGovernmentPlansIRAs AnnuitiesTotal U.S. Retirement Assets (in
trillions of
dollars)$5.3Trillion$5.0Trillion$4.7Trillion$2.6Trillion$1.7Trillion
7. Investing for RetirementPersonal Savings &
InvestmentsEmployer-Sponsored Plans & IRAsReal Estate &
Home EquityOther Personal Assets 8. Get to Know Me IncorporatedRISK
TAKERorRISK ADVERSECONSERVATIVEorAGGRESSIVEDETAIL ORIENTEDorHANDS
OFF 9. vs.Only buy something that youd be perfectlyhappy to hold if
the market shut down for 10 years.-Warren BuffettPundit Portfolio
vs. Disciplined Approach 10. Growth Plan for Your Net
Worth$1,200,000$400,000$1,000,000$200,000$800,000$600,00067 years52
years 55 years 58 years 61 years 64 years$1,198,279$500,000This is
a hypothetical example used for illustrative purposes only. It is
not representative of any specific investment or combination of
investments.6% Annual Return 11. Source: Thomson Reuters, 2013. For
the 10-year periods between January 1, 1994, and December 31, 2012.
Past performance doesnot guaruntee future results, actual results
will
vary.StocksSTOCKS.........BONDS...........1999to20081996to20052000to20091997to20061994to20032001to20102002to20111998to20071995to20042003to2012stock
and bond performance over rolling 10-year
periods181.9%133.1%93.5%94.8%82.5%75.2%80.1%92.6%80.5%77.5%79.6%127.2%93.8%68.3%38.1%28.1%0.0%30.6%71.2%54.3%
12. BondsSource: Thomson Reuters, 2012. Past performance does not
guarantee future results. Actual results will
vary.8.00%4.00%7.00%3.00%2.00%6.00%5.00%19931997200720122002Yield
on 20-YEAR U.S. Treasury BOND 13. Cash AlternativesSources: Thomson
Reuters 2013; Federal Reserve, August 2013. Past performance does
not guarantee future results. Actual results will vary...A highly
accomodative stance of monetary policy willremain appropropriate
for a considerable time...-Federal Reserve, January
20131993199620062011200120130.00%6.00%Yield on Three-Month U.S.
Treasury Bill 14. Wheres the
Money?$138.2billion$63.7billion$8.0billion$0.1billionTOTALSALES:$210
billionVARIABLEFIXEDIMMEDIATE DEFERREDSource: Insured Retirement
Institute, 2011. Based on 2010 annuity sales. Variable annuities
are sold only by prospectus. Please consider the charg-es, risks,
expenses and investment objectives carefully before investing. A
prospectus containing this and other information about the
investmentcompany can be obtained from your financial professional.
Read it carefully before you invest or send money. 15.
AnnuitiesAccumulationPhasePayoutPhasePayoutPhaseImmediate
DeferredVariable annuities are sold only by prospectus. Please
consider the charges, risks, expenses and investment objectives
carefully before investing. Aprospectus containing this and other
information about the investment company can be obtained from your
financial professional. Read it carefullybefore you invest or send
money. 16. Growth Plan Becomes Income Plan$1.2 million has the
potential to generate $1.7 million in income.This is a hypothetical
example used for illustrative purposes only. It is not
representative of any specific investment or combination of
investments.6% annual return 4% annual
return$1,200,000$1,000,000$800,000$600,000$400,000$200,000$120,000$100,000$80,000$60,000$40,000$20,000$052
54 56 58 60 62 64 66 68 70 72 74 76 78 80 82 84 86 88
90AGEGrowthPlanInvestmentPlan$50,000 at age67 increasing3% per year
17. Source: Brinson, Singer, and Beebower, Determinants of
Portfolio Performance II: An Update, Financial Analysts Journal,
May/June 1991Asset Allocation and PortfolioPerformanceOther
factorsOverallassetallocation 18. Investing for RetirementYou do
things when theopportunities come along. Ivehad periods in my life
whenIve had a bundle of ideascome along, and Ive had longdry
spells. If I get an idea nextweek, Ill do something. If not,I
wont....-Warren BuffettWhere some see challenges,others see
opportunities. 19. Elements of Sound InvestmentStrategies 20.
Financial Matters SeriesFinancial Matters SeriesDr. Allen R.
Rumble,
RFCARumble@ProvidenceWP.comwww.ProvidenceWealthPartners.comSecurities
and Investment Advisory services offered through Transamerica
Financial Advisors, Inc. (TFA), a registered investmentadvisor.
Member FINRA & SIPC. Non-Security products and services are not
offered through TFA. Providence Wealth Partners LLCand TFA are not
affiliated. We are licensed to sell securities in the following
states: CA, CO, IL, IN, MN, OR and TN. This should notbe considered
a solicitation in any other state. Due to various state regulations
and registration requirements concerning thedissemination of
information regarding investment products and services, we are
currently required to limit access of the followingpages to
individuals residing in states where we are currently registered. A
broker/dealer, investment advisor, BD agent or IA rep mayonly
transact business in a particular state after licensure or
satisfying qualifications requirements of that state, or only if
they areexcluded or exempted from the states broker/dealer,
investment advisor, or BD agent or IA rep requirements, as the case
may be; andfollow-up, individualized responses to consumers in a
particular state by broker/dealer, investment advisor, BD agent or
IA rep thatinvolve either the effecting or attempting to effect
transactions in securities or the rendering of personalized
investment advice forcompensation, as the case may be, shall not be
made without first complying with the states broker/dealer,
investment advisor, BDagent or IA rep requirements, or pursuant to
an applicable state exemption or exclusion.
