Did you know that you will probably live longer than you think? Longer lifespans mean we have more time to enjoy the things and people we love most. But they also pose a unique challenge. What is the best method to save enough money to retire and live comfortably and worry-free? In this presentation, Goldstone Financial Group includes pros and cons of some of the most popular, “tried and true” retirement investment strategies and highlight their effectiveness in today’s life changing times.

1. 3 STRATEGIES FOR RETIREMENT
PLANNING YOU’LL NEED TO KNOW
By Goldstone Financial Group

2. DID YOU KNOW
THAT YOU WILL
PROBABLY LIVE
LONGER THAN
YOU THINK?

3. AVERAGE LIFE EXPECTANCY HAS
GROWN BY THREE MONTHS
EVERY YEAR FROM 1840 TO
2007 AND SHOWS NO SIGNS OF
SLOWING DOWN.
➤ Family history is also not
necessarily indicative of
how long someone may
live.
➤ Lifestyle choices such as
diet and exercise can have
a dramatic impact on the
length of life.

4. LONGER LIFESPANS
MEAN WE HAVE
MORE TIME TO
ENJOY THE THINGS
AND PEOPLE WE
LOVE MOST.
But they also pose a unique
challenge.

5. WHAT IS THE BEST METHOD TO SAVE
ENOUGH MONEY TO RETIRE AND LIVE
COMFORTABLY AND WORRY-FREE?

6. “
This presentation includes pros and
cons of some of the most popular,
“tried and true” retirement
investment strategies and highlight
their effectiveness in today’s life
changing times.
Anthony Pellegrino, Founder & Principal,
Goldstone Financial Group

7. #1. FIXED AND HYBRID
ANNUITIES

8. Annuities are a great way to save for
retirement because they can potentially
generate interest over a fixed time on a
principal amount that is guaranteed.

9. BECAUSE YOU ARE NOT
REQUIRED TO ANNUITIZE
—TO RECEIVE
PAYMENTS AT A REGULAR
INTERVAL FROM THE
ANNUITY—CERTAIN
KINDS OF ANNUITIES
ALSO OFFER THE
FLEXIBILITY TO LEAVE
MONEY FOR YOUR HEIRS:

10. STRAIGHT LIFE
➤This is the simplest,
least expensive
annuity. It pays
benefits until the
death of the
annuitant—the
person receiving the
funds—without an
option to appoint a
beneficiary.

11. LIFE WITH A GUARANTEED TERM
➤ This somewhat more
expensive option allows
the annuitant to
designate a beneficiary.
➤ If the annuitant dies
within the guaranteed
term, the beneficiary
will receive the
remainder of the
annuity in one lump
sum.

12. SUBSTANDARD HEALTH
➤ This type of annuity is
advantageous for
someone with a serious
health condition.
➤ Although the annuity will
cost more the less the
annuitant is expected to
live, the payouts are
larger than in an annuity
in which the annuitant is
expected to live a long
time.

13. JOINT LIFE WITH LAST SURVIVOR
➤ This annuity allows the
annuitant to select a
beneficiary who will
receive payments
regardless of whether the
annuitant dies within a
certain term.
➤ However, because of the
added insurance
component of this
product, this is the most
expensive fixed annuity.

14. HYBRID (A.K.A. FIXED INDEXED)
➤ Fixed indexed annuities are
known as hybrids because
they invest your principal in
the market, allowing for
higher rates of return, but
still guarantee the principal
amount.
➤ Therefore, even if the
annuity does not generate
any additional interest
because the market
tumbles, your initial
investment remains safe.

15. TRADITIONAL AND/OR ROTH
IRAS

16. Investment retirement accounts are an
excellent, tax-efficient tool for setting
funds aside.

17. PEOPLE WHO
CONTRIBUTE TO A
TRADITIONAL IRA ARE
ABLE TO DEDUCT THE
CONTRIBUTION FROM
THEIR ANNUAL
FEDERAL AND STATE
INCOME TAXES.

18. HOWEVER, ONCE
THEY WITHDRAW
FUNDS IN
RETIREMENT, THE
WITHDRAWAL WILL
BE TAXED AS
INCOME.

19. CONVERSELY,
CONTRIBUTIONS TO
ROTH IRAS ARE NOT
TAX DEDUCTIBLE
BUT FUTURE
WITHDRAWALS
WON’T BE TAXED.

20. CHOOSING THE
RIGHT IRA
DEPENDS ON
SEVERAL
FACTORS:

21. INCOME REQUIREMENTS:
➤Roth IRAs have strict
and specific income
requirements.

22. FUTURE TAX:
➤Additionally,
depending on the
difference between
the current and
potential future tax
rate, one type of IRA
may be more
advantageous than
the other.

23. ➤Finally, traditional
IRAs require you to
take mandatory
taxable distributions
beginning at age 70½
whereas Roth IRAs
do not require you to
take any money.
TAXABLE DISTRIBUTIONS:

24. 401(K)

25. A 401(k) is an employer-sponsored
retirement fund that invests your
money in order to generate more. This
savings strategy may yield excellent
benefits but may also be the riskiest
option.

26. THE
BENEFITS:

27. ➤The amount of your
annual contribution to
your 401(k) is tax
deductible.
Additionally, many
employers will match
your contribution up to
a certain amount—
usually 3% of your
annual income—
essentially giving you
“free” money.

28. THE CONS/
RISKS:

29. ➤First, the IRS sets
caps on the annual
amount you can
put into your
401(k).

30. ➤After you retire,
withdrawals are
taxed as income
and may be taxed
at a higher rate
than your present
tax rate.

31. ➤You may also not
be able to
withdraw your
employer’s
contributions until
after the vesting
period concludes.

32. ➤Additionally,
should you find
yourself in need of
money before the
age of 59½, you
will be subject to
a 10% withdrawal
fee.

33. FINALLY,
401(K)S GROW
YOUR MONEY BY
INVESTING IT IN
MUTUAL FUNDS.

34. ➤Whenever money
is invested in
such fashion,
there is a risk that
stocks can crash
and that your
401(k) will lose
significant value.

35. ➤Fortunately, you
have full control over
how your money is
invested, so this risk
can be minimized
with some education
about the market
and less risky
investment
strategies.

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