Expect to retire and then become self-employed

Expect to retire and work a part-time job

Expect to keep working as long

as possible

Plan to follow the traditional retirement model of working full time until a set date

and then stop working altogether

Among Those Ages 55-64, % Who Had Not Yet Retired:

How the Great Recession Impacted Retirement for Those Ages 45 & Up:

Costs that Could Increase in Retirement:

Source: Board of Governors of the Federal Reserve, Report on the Economic Well-Being of U.S. Households in 2016. Published May 2017.

Source: US News & World Report, 10 Costs That Could Increase in Retirement.

Retirement planning is an essential factor in your overall financial well-being. Work with your advisor to develop a personalized retirement plan that can help you pursue your long-term goals and objectives. Discuss your desired lifestyle, anticipated expenses and how you wish to spend your retirement years. Many retirees expect their expenses to decrease after retirement; however, for most, expenses increase. Here are 10 costs that could increase in retirement:

21% of Americans have NO retirement savings1

46% of non-retirees say they will NOT have enough money tolive comfortably in retirement2

8 in 10 workers expect their workplace retirement savings planwill be a source of income in retirement3

Only 19% of workers and 39% of retirees have tried to calculatehow much money they would need to cover healthcare costs in retirement4

Sources: 1https://www.cnbc.com/2018/05/11/how-many-americans-have-no-retirement-savings.html2https://news.gallup.com/poll/233861/update-americans-concerns-retirement-persist.aspx3https://www.ebri.org/docs/default-source/rcs/1_2018rcs_report_v5mgachecked.pdf?sfvrsn=e2e9302f_24https://www.ebri.org/docs/default-source/rcs/1_2018rcs_report_v5mgachecked.pdf?sfvrsn=e2e9302f_2

Multiple Sources Used by Retirees to Pay for Expenses During Retirement:

Source: U.S. Federal Reserve Report on Economic Well-Being in U.S. Households May 2017

Are YOU Prepared?

RetirementPlanning &Savings

Travel

Entertainment

Socializing

Health Insurance Premiums

Co-Pays & Deductibles

Prescription Drugs

Long-Term Care

Household Help

Grandchildren

Taxes

Average Amount of Thought Non-Retired Individuals Have Given to Retirement Planning:

Of Non-Retired Individuals:

A High Amount - 11%A Fair Amount - 16%

Little to None - 49%

Investment advisory services offered through CWM, LLC, an SEC Registered Investment Advisor. Carson Partners, a division of CWM, LLC, is a nationwide partnership of advisors. 00453702-R-0619