RETIREMENT PLANNING - Coliday

COLIDAY is not affiliated with or endorsed by the Social Security Administration or any government agency. This content is for informational purposes only and should not be used to make any financial decisions. Exclusive rights

to this material belongs to GPS. Unauthorized use of the material is prohibited.

RETIREMENT PLANNING

Insurance Only Disclosure: This report has been prepared from data believed reliable, but norepresentation is made as to accuracy of completeness. Past performance is no assurance offuture results. Total return and principal will vary. This information is provided to you solely foryour convenience and ease of review. Agent name is licensed as an insurance agent in the Stateof California.

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Exclusive rights to this material belongs to GPS. Unauthorized use of the material is prohibited.

Meet My Team

Karen Dillon Director of Administration

Virginia McClellanKaryn Colley

Senior Executive Assistant VP of Marketing

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As a full-service retirement planning firm, we offer:

Portfolio analysis and recommendationsActive asset management solutionsIRA/401(k) rolloversAsset protectionMedicare Supplements

Income planningWealth managementLong-term care solutionsWealth transfer strategies

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Craig Colley Founder/CEOLicensed/Certified Producer


Transparency & Fiduciary level of service

You

Disclosure Documentation Transparency

• Compensation

• My third-party relationships

• Conflicts of interest

• Reports and records

• Analysis of your portfolio

• Important documents

• Costs and fees

• Liquidity, charges andpenalties

• Account information andvalues

1Document

3 Transparency

Disclosure

2Reports and paperwork available at all times for your review in the Generational Vault

Record everything we do

About my firm and the products we use

What you should expect:

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The Color of Money

“Green Money” is safer. This is money that you KNOW

will be there.There is always a minimum

guarantee.

“Red Money” is at risk. This is money that you HOPE will

be there.It can go up and down, and does not have a minimum guarantee.

At-Risk InstrumentsStocks - Bonds

Variable AnnuitiesMutual Funds

REITS

Safer InstrumentsChecking – Savings - CDs

TreasuriesFixed AnnuitiesMoney Market

“I Know So” Money “I Hope So” Money

“I hope so…” or “I know so…”

Source – Yahoo Finance – 12-31-2015VIX is a trademarked ticker symbol for the Chicago Board Options Exchange Market Volatility Index, a popular measure of the implied volatility of S&P 500 index options. Often referred to as the fear index or the fear gauge, it represents one measure of the market’s expectation of stock market volatility over the next 30 day period. (www.investopedia.com/terms/v/vix.asp) The CBOE 10-Year Treasury Note (TNX) is based on 10 times the yield-to-maturity on the most recently auctioned 10-year Treasury note. This chart is for illustrative purposes and not intended to be representative of any specific investment vehicle. Past performance is not indicative of future results. GIB-802658 2016-06-30


RED MONEY

Analyzing your risk tolerance

Money

Question

If you lost 50 percent in your retirement account, what percentage would you have to gain to recover the losses?

Attitudes & Values

Planned Income

Investment Experience

Current Situation

Life Stage

Goals

??YOUR GOAL SCORE

It’s all about YOU:

COLOR OF MONEY RISK ANALYSIS

GREEN MONEY

YOUR GOAL SCOREYOUR CURRENT SCORE

YELLOW MONEY

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Understanding Social Security

http://www.ssa.gov/pressoffice/basicfact.htm

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2 3

MANAGE IT LIKE AN ASSET

On average, Social Security makes up 64.8 percent of total household income.

A CRITICAL RETIREMENT DECISION

In fact, the difference betweenthe best and worst SocialSecurity decision can be$30,000, $50,000 … even up to$190,000 in lifetime benefits!

MAXIMIZING YOUR SOCIAL SECURITY

Every dollar you increase yourSocial Security income by meansone less dollar you have to takefrom your nest egg tosupplement your income.

[COMPANY NAME] is not affiliated with or endorsed by the Social Security Administration or any othergovernment agency.

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Continue to Filing Date

SPEED

61 MPH MENU REPORT

DESTINATION

6 MOS.

FRA

AGE 70

AGE 62

- +

COMPANY

Money

QuestionWho was the first person to receive Social Security?

There are tens of thousands of calculationsthat go into finding the precise combinationthat will give you the largest lifetimebenefit.

The Social Security Maximization report willshow strategies of what to do.

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Your Full Retirement Age (FRA) is dictated by your year of birth.

FRA is the age at which you can receive your full monthly benefit.

The factor changes each month you wait.

Between age 62 and 70, there are 96 months in which you could file for benefits. Each would result in a different benefit amount.

www.socialsecurity.gov/pubs/ageincrease.htm

www.ssa.gov/OACT/ProgData/ar_drc.html

Full Retirement Age (FRA) Primary Insurance Amount (PIA)

Understanding Social Security

[INSERT COMPANY NAME] is not affiliated with or endorsed by the Social Security Administration or any government agency. This content is for informational purposes only and should not be used to make any financial decisions.


Creating retirement income13

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PREDICTABILITY

This illustration represents two hypothetical investments, are not actual portfolios and are for informational purposes only.

How resilient will your income be to market fluctuations?


Creating retirement income

Money

Question

In 2010, what percentage of Americans postponed their retirement for at least one year?

A. 3 percentB. 8 percentC. 11 percentD. 24 percent

LONGEVITY

EFFICIENCY

Will your income be enough to satisfy your lifetime needs?

How much of your assets need to be earmarked for income?

Male Female

55 80 84

60 81 84

65 83 85

70 84 86

75 86 88

80 88 90

85 91 92

90 94 95

95 98 98

100 102 102

If you live to:

On average, you will live to:

If you retire at 65, your retirement will be this many years:

Male Female

15 19

16 19

18 20

19 21

21 23

23 25

26 27

29 30

33 33

37 37

Strategy #1 Strategy #2

A more EFFICIENT income strategy can provide the same income stream with less dedicated assets.

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Employee Benefit Research Institute. June, 2012

http://www.ssa.gov/oact/STATS/table4c6.html


Creating retirement income13

In 1994, William Bengen co-authored a study with Morningstar Inc. At the time, he identified a withdrawal rate of four percent as being optimal to last through 30 years of retirement, without running out of money.

In 2013, Morningstar Inc. revised the estimate from four percent, down to 2.8 percent.• Volatile markets

• Low interest rate environment

• Advisory fees

• A more conservative mix of stocks and bonds

*Guarantees are based on claims-paying ability of the carrier.

https://corporate.morningstar.com/us/documents/targetmaturity/LowBondYieldsWithdrawalRates.pdf

IF YOU NEED $30,000 OF ANNUAL INCOME:

Using the old four percent rule:

$750,000

With guaranteed* lifetime income.

$1,071,429

$555,559

Using the “current” 2.8 percent rule:

Using an income annuity:

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Creating retirement income

Allows you to save as much money as you want in the plan.

Offers roll-up interest features similar to Social Security.

May provide a lifetime income.

Unlike Social Security, you may potentially leave a legacy to your family.

FLEXIBILITY

GROWTH

INCOME

LEGACY

This is a conceptual representation of a fixed index annuity with annual reset. Illustration period: 12-31-1999 through 12-31-2015. Each example shown assumes $100,000 initial premium with no withdrawals. Market value based on the S&P 500® PR Index . Historical performance of the S&P 500® Index should not be considered a representation of current or future performance of the Index or of any annuity. Hypothetical index annuity product illustration assumes crediting method of a 5% annual point-to point cap and annual reset. Hypothetical Income Rider Value assumes a 6% annual rate of return for income purposes. Illustration values represent gross returns. Assumed annuity rates and actual historical prices of the S&P 500® Index were used in this purely hypothetical example for the purpose of illustrating comparative values and to illustrate how the Interest-Crediting Strategy might have performed using different assumptions but the same Index performance. Assumptions are not guaranteed. Past performance does not guarantee future results.

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Technology is an important aspect of the service you deserve

Generational Vault ServicesOnline account information

Daily account updates

Account tracking and alerts

Advanced reports and analysis

Online document storage

Retirement education

Annuities

Life Insurance

Investments

YOUR ACCOUNTSstored online

VALUES synced daily

INTERACTIVE REPORTING TOOLS quickly see where you stand

Who is watching your accounts every day?

$100,000

Wealth Watch monitors your overnight account values and immediately alerts me if any of your values cross a threshold.

-10% TRIGGER

+10% TRIGGER

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COLOR OF MONEY COMPASS INCOMESOCIAL SECURITY MAXIMIZATION

PORTFOLIO ANALYSIS REVIEW

RAINY DAY PROGRAM

Planning reports: delivered to your Generational Vault document center

IRA & LEGACY MAXIMIZATION

IMPORTANT DOCUMENTS

... where and when you need it.Your important information …

Investment statementsInsurance policiesTax informationWills and trustsMedical information and directivesPowers of attorneyPrivate folder just for you

Document Center

Retirement Learning Library

Social Security Maximization

Rainy Day Program Managing Qualified

Money

Understanding Retirement Concepts

Generational Vault Future of US Taxation

Retirement Income Planning Using

Annuities Color of Money

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The Best Next Step

Schedule a COMPLIMENTARY, no-obligation, one-hour consultation to begin preparing your Social Security Maximization report.

One decision can IMPACT your retirement by tens of thousands of dollars!

Our commitment to you ...

Our work together will be based on your needs and your values.We will hold your information in the strictest confidence.We build financial futures because of what we do and createrelationships because of who we are.

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COMPANYGIB-104971 2016-06-28


Directions to Our Office16

COMPANY

Address: Civic Center Plaza30011 Ivy Glenn DriveSuite 104Laguna Niguel, CA 92677

Office: (949) 495-2016Cell /Text:(949) 216-8459Fax: (949) 495-2065Email: [email protected]: www.coliday.com

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mailto:[email protected]


This is general information made available to the public. It is not intended to provide specificadvice or to take the place of a personal consultation. This information should be consideredonly as one of many resources to assist in developing a retirement plan. It is the soleresponsibility of the reader to conduct his or her own due diligence before taking action.

The contents are obtained from sources deemed reliable but are not guaranteed as to accuracyor completeness and are not to be construed as tax, legal or investment advice. If expertguidance is required, the services of a competent professional should be sought before actingon any information contained herein.

While care has been taken to provide accurate and current information, the ideas, suggestions,strategies, general principles and conclusions presented are solely of the presenter. Onlyinsurance contracts themselves contain the policy provisions.

DISCLAIMER

Thank you for attending our “New Generation Retirement Planning” workshop. This could beone of the most important steps to secure your retirement and create a financial structure tostand the test of time!

Your next step is to schedule a complimentary consultation. Our first meeting is to simplygather information and review your financial situation and concerns about your income planand Social Security. Our goal is to examine the key aspects of retirement and provide you with afinancial plan to stand the test of time.

Please bring the following information with you to our first meeting:

• Social Security statement• All insurance policies and investment statements• Last year’s tax return

All information is kept STRICTLY CONFIDENTIAL. After our first meeting, we will prepare apersonalized summary with recommendations based on your unique goals.

I look forward to forming a long-term relationship based on trust and mutual respect.

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RETIREMENT PLANNING - Coliday

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