1. Five Threats to Your Retirement Security

2. Five Major Threats Outliving Your Money Effects of Inflation Investment Performance Excessive Withdrawals Healthcare Costs

3. Outliving Your Money Longer Life Expectancies Not Saving Enough Exhausting Your Principal

4. Effects of Inflation Purchasing Power Risk Rule of 72 In Reverse Divide 72 by Effects of Inflation Rate

5. Investment Performance Negative Returns Lower Than Expected Returns

6. Excessive Withdrawals Spending Too Much Coupled with Early Losses

7. Healthcare Costs Premiums Deductibles Coinsurance Excess Charges Other Out-of- Pocket Expenses

8. Outliving Your Money Accumulate More Delay Retirement Reduce Budget Increase Return Keep 12 Months of Income in Cash

9. Effects of Inflation Need Growth of Capital Growth of Income Huge Risk Being Too Conservative

10. Investment Performance Suitability Diversification Asset Allocation Active vs. Passive Low Cost Approach

11. Excessive Withdrawals Control Spending Early Years Losses Need to Adjust 4% Solution

12. Healthcare Pre-Medicare Medicare Medigap Long Term Care Insurance Health Savings Accounts

13. One More Threat! Impact of Taxes Income Gift Estate Inheritance Property Sales And More!

14. Solutions? Comprehensive Financial Planning Address All Five Threats Examine Cash Flow Investments Retirement Income Estate Planning Risk Management

15. Question and Answer Open for Questions Free Consultation

16. Providing Sound Advice… For Life 200 East Big Beaver, Troy, MI 48083 (248) 457-4555 www.gwallc.com