Creating Your Retirement Paycheck Presented by Michael Mendonca

Creating Your Retirement Paycheck Presented by Michael Mendonca, FLMI Michael Mendonca Insurance Services Copyright © 2007 Collabra LLC Brite. Line Wealth Management Group, Jerry L. Reiter, LUTCF, LPL Registered Representative Securities offered through LPL Financial – Member FINRA/SIPC

Creating Your Retirement Paycheck Today’s Agenda • Challenges in Creating Retirement Income • The Effects of Market Volatility When Taking Income • A Different Approach to Retirement Income Brite. Line Wealth Management Group, Jerry L. Reiter, LUTCF, LPL Registered Representative Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck A Complex Puzzle of Personal and Financial Goals Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck RETIREMENT It’s not all about money Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck RETIREMENT But ensuring that you have enough money for a retirement lasting twenty years or more …. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck RETIREMENT … in an unpredictable economic environment… Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck RETIREMENT … is a significant concern for most of us. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck How Do I Do This? Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Whether your retirement savings are modest or massive… … there are challenges for all of us. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck For some, the concern is ensuring enough money to provide for basic needs. For many, the worry is about having enough income for travel and adventure. For others, living comfortably and still leaving a family legacy is a priority. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck It is all relative to the retirement lifestyle that you reasonably hope to achieve. We all are concerned about outliving our money. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck In this sense we are all in the same boat. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck … subject to the same unpredictable economic storms. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck We all need to ensure that our boat does not capsize in the storms that will come… Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck … while retaining our ability to take advantage of clear skies. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck None of us can accurately predict the “economic weather” over a period of twenty years or more. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck … so we must be prepared for both bad and good conditions. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck How Do I Do This? Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck There are many differing and legitimate opinions on the “best” way generate income from your retirement assets. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck For most, no single financial product will solve all of your retirement income needs. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck The strategies that worked while you were saving for retirement may not work as well during retirement. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck The game changes the minute you leave the retirement party. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck The Game changes because the effect of Market Volatility changes. “Volatility” The “ups and downs” of the Financial Markets Some say that Wall Street is a problem Brite. Line Wealth Management Group, Jerry L. Reiter, LUTCF, LPL Registered Representative Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck The Effect of these “ups and downs” have a greater impact when taking INCOME… …than they do when Saving. Brite. Line Wealth Management Group, Jerry L. Reiter, LUTCF, LPL Registered Representative Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck The Real Problem with volatility is when the Market is “down”… “up” is rarely a problem Brite. Line Wealth Management Group, Jerry L. Reiter, LUTCF, LPL Registered Representative Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck But completely avoiding the financial markets is not the solution for most of us. Especially if we are going to keep pace with Inflation Brite. Line Wealth Management Group, Jerry L. Reiter, LUTCF, LPL Registered Representative Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck The effect of volatility is controlled by using risk management strategies that can minimize the effect upon our income And by using financial products that let us choose how exposed we are to volatility Brite. Line Wealth Management Group, Jerry L. Reiter, LUTCF, LPL Registered Representative Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck This requires a Retirement Income Strategy that is structured differently than a Strategy for Saving for Retirement Brite. Line Wealth Management Group, Jerry L. Reiter, LUTCF, LPL Registered Representative Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck How Do I Do This? Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck One approach is to ensure that you will always have the income needed to remain comfortable no matter what the “economic weather”… … while retaining the opportunity for growth and additional income when the “economic seas” are calm. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck A balanced approach to retirement income “Required Income” “Lifestyle Income” Two different retirement income streams and strategies Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Required Income The income you need to remain comfortable HOUSING FOOD TRANSPORT HEALTH Lifestyle Income The income you want for fun, family, and adventure TRAVEL $ GIFTS $ HOBBIES FAMILY Total Income Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Required Income The income you need to remain comfortable Lifestyle Income The income you want for fun, family, and adventure Different Strategies Why? Income for basic needs and comfort must be reliable and steady for the entirety of your retirement years. Income for “fun” can be more flexible and fluctuating over your retirement years. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Required Income The income you need to remain comfortable Lifestyle Income The income you want for fun, family, and adventure The income planning process begins here. Income for basic needs and comfort must be reliable and steady for the entirety of your retirement years. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Required Income The income you need to remain comfortable What is needed to stay comfortable? = $$$$ Social Security Pension Other Income = Required = Income Gap Lifestyle Income The income you want for fun, family, and adventure $$$ $ Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Simple Example Required Income Lifestyle Income The income you need to remain comfortable What is needed to stay comfortable? = $40, 000 Social Security Pension Other Income = $20, 000 Required = $20, 000 Income Gap The income you want for fun, family, and adventure We seek to guarantee the income needed to close your Required Income Gap… Guarantees are based upon the financial strength of the issuing insurance company. … so you will always be comfortable. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Simple Example Required Income The income you need to remain comfortable What is needed to stay comfortable? = $40, 000 Social Security Pension Other Income = $20, 000 Guaranteed Income From Assets Lifestyle Income The income you want for fun, family, and adventure = $20, 000 Required = Income Gap $0 Guarantees are based upon the financial strength of the issuing insurance company. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Simple Example Required Income The income you need to remain comfortable Lifestyle Income The income you want for fun, family, and adventure What is needed to stay comfortable? = $40, 000 Social Security Pension Other Income = $20, 000 + Guaranteed Income From Assets = $20, 000 Total Required Income $40, 000 Guarantees are based upon the financial strength of the issuing insurance company. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Required Income The income you need to remain comfortable With Required Income assured so you will always be comfortable… Lifestyle Income The income you want for fun, family, and adventure … the income planning process shifts to here. Required Income Gap Guarantees are based upon the financial strength of the issuing insurance company. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Required Income The income you need to remain comfortable With Required Income assured so you will always be comfortable… Lifestyle Income The income you want for fun, family, and adventure How much more income do you desire? What assets are available? Growth / Earnings Target Required Income Gap Strategy for growth and additional income Guarantees are based upon the financial strength of the issuing insurance company. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Bringing it all together Required Income Lifestyle Income The income you need to remain comfortable The income you want for fun, family, and adventure Strategy and financial products that can guarantee income to close the Required Income Gap. Strategy and financial products that offer growth and additional income. Very Conservative Less Conservative Total Income Guarantees are based upon the financial strength of the issuing insurance company. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Retirement Savings % of Total Required Income % of Total Lifestyle Income The income you need to remain comfortable The income you want for fun, family, and adventure Strategy and financial products that can guarantee income to close the Required Income Gap. Strategy and financial products that offer growth and additional income. Very Conservative Less Conservative Total Income Guarantees are based upon the financial strength of the issuing insurance company. Brite. Line Wealth Management Group, Jerry L. Reiter, LUTCF, LPL Registered Representative Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Required Income Lifestyle Income The income you need to remain comfortable The income you want for fun, family, and adventure While retaining control of all assets Guarantees are based upon the financial strength of the issuing insurance company. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Required Income Lifestyle Income The income you need to remain comfortable The income you want for fun, family, and adventure Preparation for both bad and good conditions. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck How Do I Do This? Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Let’s get started! The process begins with a free consultation An initial plan is developed Plan review Plan adjusted Plan finalized Plan execution Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Consultations are free and without obligation. You have nothing to lose, but much to potentially gain. Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Peace of Mind No matter what the “Economic Weather”… … with the opportunity For growth and Additional Income Securities offered. Wealth through LPL Financial – Member FINRA/SIPC – Jerry L. Registered Reiter Registered Representative Brite. Line Management Group, Jerry L. Reiter, LUTCF, LPL Representative kjlkjlkjlkjlkjlkjlj Securities offered through LPL Financial – Member FINRA/SIPC Agent Name

Creating Your Retirement Paycheck Thanks For Your Attention And Your Attendance Brite. Line Wealth Management Group, Jerry L. Reiter, LUTCF, LPL Registered Representative Securities offered through LPL Financial – Member FINRA/SIPC Agent Name