2. Which do YOU Need?

3. Components of Total Return: Income + Appreciation (or Depreciation)

4. Growth, Growth, Growth! Most important in early years of savings Consistent saving and investing for long-term growth of principal Higher risk = higher potential returns

5. Income, Income, Income! Focusing on the generation of income from your investments can be more reliable in covering living expenses than hoping the stock market will keep rising. Focus on maintaining your financial independence Focus less on “growth at all costs”

6. “Lost Decade” After witnessing a “lost decade” for stock market appreciation, now might be the time for some to focus on income and capital preservation!

7. Rental Property Analogy Criteria for a successful rental property investment: Quality property Good neighborhood Good purchase price Solid tenants Consistent rental income

8. Rental Property Analogy With that criteria in place, now imagine that the price of your rental property decreased 10%. Are you concerned? Yes? No? A little?

9. Rental Property Analogy In fact, if property prices have decreased you may look at this as an opportunity to purchase additional undervalued properties and generate more income and good potential for price appreciation once values rise again.

10. Income Investing That is exactly how we feel about investing when you’re in retirement or planning for it. Income before appreciation! How can you make your money start working for you?

11. Income Investing Diversification is key! Bonds are not the only way.

13. Which Investments are Generating Income for YOU? Is It Time to Start Diversifying Your Income Sources?

14. Will this Era of Low Rates Normalize? If Interest Rates Rise, Bond Prices Will Fall IS Now the Best Time to Be Buying Long-Term Bonds?

15. Retirement Retirement is, hopefully, a long and joyful period of your life to spend with your loved ones. We believe our job is to manage your nest egg so that you have stable, steady income to fulfill your dreams and sleep well at night. Turbulence and volatility are a certainty. Our job is to help you navigate it and preserve what you’ve worked hard to save.