The Problem With Aging

The Problem With Aging

Have you solved it?

Content copyright 2011-2012. Financial Answers for Care. All rights reserved

Did you know?

Two-thirds of all people in history to live to age 65 are alive TODAY.

The fastest growing age segment in the U.S. is 85 and over. (Willard Scott will be very busy.)

The U.S currently has more people over 65 than Canada has people.


How old do you feel?

How many feel 10 years younger?

20 years younger?

30?


A Roper Study

People age 50 believe old age arrives at their 70th birthday.

People age 70 believe old age sets in at 90.


Denial isn’t just a river in Egypt


Denial has it’s downside . . .


The “Graying of America”

Between 2004 and 2020 the over 50 group will grow by 74%

During the same time the under 50 group will grow by only 1%


The New Family Tree

Sara Knauss, Allentown, PA

Lives to 119

Grandson

Age 79

Daughter

Age 97


A Glimpse of the Future

Sarah (after 53 years of Social Security) Her Daughter (lived to age 97) Her Grandson (lived to age 79) ON SOCIAL SECURITY AT THE SAME TIME

+ +

What We Fear in Retirement

In 1960 it was dying,

Now it is “Will I outlive my money?”


Can We Keep Extending Life?

Keeping telomeres from shrinking stops

aging in all of our major organs. We can currently split the human

cell 400 times or prolong life

8 times lifespan in the lab. Smart pills, caloric restriction,

nanotechnology all on the horizon.


Little Known Fact: Medical Advances Create More Poverty

Adding just 2 years of life to 5% of those 65+

They will be old enough (and poor enough) to go onto Medicaid (not Medicare.)

This will cost 140 Billion (per year) in housing alone.


As Life Expands, Money Shrinks!

“Interest-Rate Bankruptcy” means eroding principle for many seniors as they dip into principle.

Older Americans after years of work and saving are the fastest growing segment claiming bankruptcy.


The 3 Biggest Problems to Solve

1. Securing your income for a long retirement.

2. Long-term health care costs.

3. Keeping income and health

care plans in line with inflation.


The Truth About Senior Health Care

Medical costs have been rising at 2x the rate of inflation for over 25 years.

Medicare fails in providing for long term health care situations and paid only 20% of LTC bills in 2005.

An estimated 20% raise in income taxes would be needed to pay for this care alone.


3 Ways to Avoid Outliving Your Money

• Choose guaranteed hybrid long term care solutions.

• Consider dual-purpose products for income which allow you to maintain access to your funds.

Control your money and with it your future health care options by being educated on the issues.


Hybrid Example: 60 yr-old couple

100,000

Bank

100,000

YOURS

145,000

Theirs

245,000

LTC orHeirs

Income-tax free

Insurance Co.

•Safe

•Accessible

•Guaranteed


New Legislation Creates Tax “Forgiveness” for Seniors

50,000PrincipleInvested

100,000TotallyIncome

TaxFree For LTC

Current Annuity New PPA Annuity

50,000 Taxable

Gain

Tax-free exchange

•Safe

•Accessible

•Guaranteed


Do you believe

You could run out of money in retirement?

There are health care bills that the government won’t pay for?

We have information you need to protect yourself and your family?

Let us help, before time flies by

We specialize in hybrid, dual purpose money solutions working with you and your other advisors.

We offer patented products with lifetime guarantees for your peace of mind.

We have 5 easy questions to get started solving your biggest retirement concerns today.


5 Simple Questions

What is your current age? What is your gender? If married, age and gender of spousespouse? Has memory loss already occurred? Is mobility an issue for you now?

Send Answers by Email or Call

[email protected] (314)780-5771 and leave a message with

your information and I will get back with you right away.

Thank you for allowing us to serve

you and your loved ones.

The Problem With Aging

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