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Get It Wrong
Having predictable
retirement income Lowering taxes
Bill
Having a financial
plan
WHAT IS IMPORTANT TO MARSHA?
Marsha
Enjoying a comfortable
retirement
BILL & MARSHA’S CURRENT RISK TOLERANCE?
46 68
BILL & MARSHA’S CURRENT BUDGET
Income $127,000
Expenses ($72,000) Discretionary
33%
Income $37,000
Expenses ($73,000) Discretionary
34%
Shortfall ($39,000) Living Expenses
66%
BILL & MARSHA’S BALANCE SHEET
Real
Estate + Portfolio - Liabilities = Net Worth
Asset Allocation
31% Stocks
38%
Bonds
Cash
Hard Assets
19% 13%
BILL & MARSHA’S FINANCIAL PLAN CHALLENGES
1. Improper diversification.
Social
Security
$37,000
+ Portfolio
$15,840
= $
Total
Income
$52,840
1,2 & 3: Yields are for current portfolio yields as of 4/30/18. Please see disclosures at the end of this presentation for security risks.
GOAL BASED RECOMMENDATIONS
FOR BILL & MARSHA
Setting realistic
expectations
• Received advice based on historical
evidence
• Previous plan did not account for current
market conditions or sequence risk
Disclosures:
1. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values
will decline as interest rates rise and bonds are subject to availability and change in price.
2. The payment of dividend is not guaranteed. Companies may reduce or eliminate the
payment of dividends at any given time.
3. The information in this material is not intended as tax or legal advice. Please consult legal
or tax professionals for specific information regarding your individual situation.
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