1. Laurence T. Hanslits, CFP®
Retirement Planning
Presented By
Laurence T. Hanslits, CFP®
The H Group, Inc.
500 Liberty St S.E.
Suite 310
Salem, OR 97301
(503)

2. Common Questions/Issues
Retirement Planning
Common Questions/Issues
How much can I spend?
How should I invest my money?
What if I retire and then there’s a recession?

3. Planning for varying returns
Retirement Planning
Planning for varying returns

4. Eight Percent Growth applied to $1,000,000

5. 8% Growth

6. Eight Percent Growth applied to $1,000,000
with $80,000 Annual Distribution

7. 8% Growth with $80,000 Annual Distribution

8. Horsetail Chart of Random Series of Returns Based on 8% Growth with 12% Std Deviation

9. How do I protect against market downturns?
Retirement Planning
How do I protect against market downturns?

10. Divide Money into 3 buckets
Short term (1 to 3 years)
Mid term (3 to 7 years)
Long term (7 years out)

11. Short Term Money
1 to 2 year CDs
T-Bills
Money Market

12. Mid Term Money
3 to 5 year CDs
Mid term treasuries
Annuities

13. Long Term Money
Stocks/Bonds
Real Estate
Commodities

14. Managing your “Buckets”
Periodically replenish your short and mid term buckets when you have gains in your long term bucket.

15. How Much Should I Spend?
Rule of Thumb – Only take 4% of portfolio
Lower for younger ages (3%)
Higher for older ages (5%)

16. How should I be invested?
Depends on how close you are to retirement and how much you need from your portfolio.

17. 10 years or longer from retirement
Sample Portfolios
10 years or longer from retirement

18. Investment Policy
November 20, 2018
Page18 18

19. Sample Portfolios
5 years from retirement

20. Investment Policy
November 20, 2018
Page20 20

21. Sample Portfolios
At retirement

22. Investment Policy
November 20, 2018
Page22 22

23. QUESTIONS?