1. Investment Planning Presented By Laurence T. Hanslits, CFP ® The H Group, Inc. 500 Liberty Street S.E. Suite 310 Salem, OR 97301 (503) 371-3333

2. Investment Planning Common Questions/Issues How long will my money be invested? How much fluctuation can I stand? How much can I spend and when?

3. Investment 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. 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. Sample Portfolios 10 years or longer from retirement

18. January 16, 2016Page18 Investment Policy

19. Sample Portfolios 5 years from retirement

20. January 16, 2016Page20 Investment Policy

21. Sample Portfolios At retirement

22. January 16, 2016Page22 Investment Policy

23. Investment Planning Common Questions/Issues How long will my money be invested? How much fluctuation can I stand? How much can I spend and when?