Hard Work ~ Discipline ~ Honesty ~ Trust Steven E. Ankerstar, MBA CEO/Founder, Afterburner Financial, LLC. Private Wealth Manager Cell: (512) (call or text) DISCLAIMER: Afterburner Financial, LLC is a registered investment advisory firm in the state of Texas that specializes in fee-only financial planning and fee-only wealth management. Mr. Ankerstar holds a Series 65 license with FINRA. More disclosure information is available at This presentation is published with the understanding that the publisher is providing generic financial education only. Since each individual's situation is unique, your specific situation should be reviewed by a qualified professional before making tax, legal or investment decisions. The information provided in this presentation is neither comprehensive nor appropriate for every individual. You are strongly cautioned to verify any information before using it for any personal, financial or business purpose. Do not rely solely on what you find here for making investment decisions. Nothing in this presentation is an endorsement of any products or securities. All investments involve risk. Past performance does not guarantee future results. On Time, On Target! Five must-do financial moves for America’s middle class

Hard Work ~ Discipline ~ Honesty ~ Trust Airplane/pilot analogies throughout presentation Spent 20+ years as an Air Force fighter pilot Pilots of all types are meticulous, paranoid planners Where are you? Surviving debt? Working on emergency fund? Investing in 401(k), IRAs, college savings, etc. How many financial engines do you have working for you? One job, no investments = single engine One (or more) jobs, multiple investments = multiple engines On Time, On Target! ONE: Know where you are and total # of engines

Hard Work ~ Discipline ~ Honesty ~ Trust Are you on track? In terms of age and total net worth By age 35, you should have 1x annual salary By age 45, you should have 3x annual salary By age 55, you should have 7x annual salary By age 65, you should have 15x annual salary Money makes money; magic of compound interest; rule of 72 This track will deliver: At a 4% withdrawal rate,.6x annual salary/year Add this amount to social security (24K) to get total income (plus pension) On Time, On Target! TWO: Know if you are on track

Hard Work ~ Discipline ~ Honesty ~ Trust Known threats – Catastrophic Events Life insurance Home insurance Car insurance Health insurance, disability insurance, long-term care insurance Unknown threats – “You don’t know what you don’t know” Loss of job, sickness, divorce, et cetera Gaining dependents (parents returning, children staying longer) BOTTOM LINE: Must have protection in place through insurance first followed by an emergency fund (3–6 months pay) On Time, On Target! THREE: Defend against known threats, mitigate others

Hard Work ~ Discipline ~ Honesty ~ Trust Only you know your goals! Get out of debt Buy a house Save for retirement Save for college Focus on your long term goals as well! I just want to make the finish line and bounce your funeral check Be able to fund all three stages of retirement for both partners House paid off and a paid-off vacation home in the Hamptons Generate multi-generational wealth – pass down wealth for years On Time, On Target! FOUR: Study each target you want to hit

Hard Work ~ Discipline ~ Honesty ~ Trust Contingencies No plan of attack survives first contact with the enemy May be on target today, but not tomorrow Generally the biggest unknown is your health *** as well as the health of your loved ones *** Who is your financial advisor? With pensions becoming more rare, it is likely YOU! Social security is not enough (and a moving target somewhat) 401(k)s, Individual Retirement Arrangements (Roth and Traditional) Save 15%. Invest well. Start small. Start today. On Time, On Target! FIVE: As circumstances change, change your plan

Hard Work ~ Discipline ~ Honesty ~ Trust Steven E. Ankerstar, MBA CEO/Founder, Afterburner Financial, LLC. Private Wealth Manager Cell: (512) (call or text) On Time, On Target! Five must-do financial moves for America’s middle class Questions?