March 15,2011 Justin Martin Associate Financial Advisor Stuart Daniel- Ameriprise Financial Tuesday Evening Career Chat

Financial Considerations/Concerns History - The 3-Legged Stool Social Security Private Pensions Personal Savings & Investments Today - Sense of Urgency Time Value of Money The Cost of Waiting Education - The Shift in On

Financial Considerations/Concerns Types of Qualified Plans - Different vehicles to save for retirement -Change in Methodology -401(k), 403(b), SEP, SIMPLE, Keogh, Section 457, Roth IRA, Profit Sharing, Cash Balance Plan Typically funded through paycheck deferrals and matches Job Transition - Chaos versus Opportunity

Financial Considerations/Concerns What is an IRA rollover? - A transfer of funds from a retirement account into a Traditional IRA or a Roth Contributory IRA. This can occur either through a direct transfer or by a check, which the custodian of the distributing account writes to the account holder who then deposits it into another IRA account.Roth Contributory IRA General Points for IRA Rollovers - Age 59.5 for Distributions Investments Participation Rates 60-Day Rule Traditional IRA versus Roth Contributory IRA Investment Objectives - Diversification Risk Tolerance Timeframe

Financial Considerations/Conerns Group Insurance - What is it? Insurance coverage bought for and provided to a group instead of an individual. For example, an employer may buy disability, health, and term life insurance for its employees at a far better rate than the employees could obtain on their own. Cost versus Portability

Justin R. Martin | Associate Financial Advisor with the practice of Stuart Daniel | Ameriprise Financial 9020 Stony Point Parkway | Suite 360 | Richmond, VA Office: | Fax: | Learn more at - ameripriseadvisors.com/justin.r.martin Financial Considerations/Concerns