A GUIDE TO RETIREMENT/INVESTING PLANNING CHARTING A COURSE PRESENTED BY: WES MOSS, CFP EAST STARK APARTMENT 17010 SE STARK PORTLAND, OR 97233
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A G U I D E T O R E T I R E M E N T/ I N V E S T I N G P L A N N I N G
CHARTING A COURSE
PRESENTED BY:WES MOSS, CFP
EAST STARK APARTMENT17010 SE STARKPORTLAND, OR 97233
DUMITRU IONESI, PROPERTY MANAGER503-465-1546
Two Bedrooms $750 - $795
Three Bedrooms $975 - $1050
Washer/Dryer Included
Water/Sewer Included
WHO NEEDS PLANNING?
People in their 30s who are finishing student loan and credit card payments…
People in their 40s who are saving for retirement and planning for education costs…
People in their 50s who are saving for retirement and paying for college…
People in their 60s who are “officially” retiring from work…
Everyone!
Successful Retirement
Written Financial Plan
Risk Planning
Accumulation
Bucket Approach
Fill Buckets
Monitor & Review Your
Progress
ASSIGN INVESTMENT GOALS
Pre-Retirement(Phase I)
Accumulation
Long-term growth
Consistent savings
Time to recover
Post-Retirement(Phase II)
Distribution
Current income
NO savings
Lack of recovery time
Written Financial Plan
MAPPING THE ROUTE TO YOUR DESTINATION…
Emergency Cash Savings3-6 months fixed expenses
Home PurchaseGenerally biggest investment
Career Change?Possible IRA Rollover
Pay for Kid’s College?Generally 2nd biggest investment
Increased Savings YearsPost kids college, generally mid-50s
Written Financial Plan
Today…
Retirement?
UNDERSTANDING RISK/REWARDRisk Planning
RISK
REWARD
Cash Income Growth
Cash Income Growth
HIG
HLOW
HIERARCHY OF INVESTMENT SAVINGS
Taxable InvestmentsFund brokerage
account
Max out 401kMax out 401k
Roth IRAFully fund Roth IRA
Match 401kMatch employer contributions
Emergency Cash Savings3-6 months fixed expenses
Accumulation
YOUR BUCKETS…
Cash• Emergency needs• Sleep-well-at-night cash
Income• Manage volatility• Ensure you are
generating enough income to live on
Growth• Counter inflation and
appreciate capital over time
Bucket Approach
Cash Income Growth
YOUR BUCKETS…
Cash• Emergency needs• Sleep-well-at-night cash
Income• Manage volatility• Ensure you are
generating enough income to live on
Growth• Counter inflation and
appreciate capital over time
Fill Buckets
GrowthIncomeCash
“Know what you have and why you need it…”
IncomeGrowthCash
MANAGE YOUR ALLOCATIONPHASE I
Cash• Emergency needs• Sleep-well-at-night
cash
Income• Ensure you are
generating enough income to live on
Growth• Counter inflation and
appreciate capital over time
Monitor & Review Your Progress
MANAGE YOUR ALLOCATIONPHASE II
“Know what you have and why you need it…”
IncomeGrowthCash
Cash• Emergency needs• Sleep-well-at-night
cash
Income• Ensure you are
generating enough income to live on
Growth• Counter inflation and
appreciate capital over time
ECONOMIC/INVESTMENT DATA
Year 1 Year 2 Year 3 Year 40
1
2
3
4
5
6
7Insert Your Own Timely Data
BondsCashStocks
Retu
rns
SUCCESSFUL RETIREMENT
Assess what phases of the investment cycle you have accomplished…
If you’re ready to move forward, you can visit Fidelity, Schwab, Vanguard, or [insert firm name] for help.
Don’t feel comfortable working alone? Visit www.napfa.org to locate a Fee-Only Advisor in your area.
Wes Moss, CFP®Chief Investment StrategistCapital Investment Advisors, Inc.200 Sandy Springs Place, Suite 300Atlanta, GA 30328404-531-0018www.yourwealth.com
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