1. Jonathan Brandt, CFP® Founder, Owner, Portfolio Manager May 14, 2015 Planning for a Secure & Satisfying Retirement from the University of Oregon

2. Disclosure The information provided in this presentation was obtained from resources we believe to be reliable, but make no guarantee. This presentation is of general nature, does not constitute legal, accounting, tax, other professional counsel or investment advice, and is not predictive of future performance. The information has been provided without taking into account the investment objective, financial situation, or needs of any particular person. Journey Tree Financial Planning and Investments is a registered investment adviser in the States of Oregon and Florida. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.

4. Why Plan? Live the life you really want...

5. Not the one you fear...

6. Why Plan Avoid costly mistakes and take advantage of opportunities

7. Why Plan Lump Sum Distribution versus Direct Rollover 10% Early Withdrawal Penalty 50% Excise Tax on missed RMDs Managing cash flow to minimize taxation of Social Security benefits Avoiding costly mistakes...

8. Why Plan Possibly Roth IRAs “File and Suspend” Social Security Options Take advantage of opportunities... Fully utilizing tax deductible and tax deferred retirement accounts

9. Key Questions

10. How much is enough? How much should I be saving? When can I stop working? What investments should I use? What are the best ways to save?

11. University of Oregon Retirement Plans 100% Employer Funded Plans Tiers 1 and 2: PERS + IAP or ORP Tier 3: OPSRP + IAP or ORP Tier 4: OPSRP + IAP Shared Employer/Employee Funded Plans Tier 4: ORP 100% Employee Funded Optional Plans Tax Deferred Investment (TDI/403b) Oregon Savings Growth Plan (OSGP/457)

12. University of Oregon Retirement Plans Tax Deferred Investment (TDI/403b) Employee contributes – payroll deducted Tax deferred growth Tax deductible contributions Contribution limit: $18,000 per year plus $6,000 per year “catch up” Roth option – contributions are not tax deductible but distributions can be tax free

13. University of Oregon Retirement Plans Oregon Growth Savings Plan (OGSP/457) Employee contributes – payroll deducted Tax deferred growth Tax deductible contributions Contribution limit: $18,000 per year plus $6,000 per year “catch up” Roth option – contributions are not tax deductible but distributions can be tax free

14. Know what plans apply to you Be aware of the investment choices Take advantage of the TDI and OSGP optional plans Know your distribution options Fitting the Pieces Together...... while working

15. Monthly income options versus lump sum distribution Social Security options Understanding IRS penalties Other resources Fitting the Pieces Together...... approaching for retirement

16. Tenure Reduction Plan Agree to give up tenure Up to 3 years more full-time work 6% salary increase upon signing agreement – negotiated with department Up to 5 more years of part-time work after 3 year period Contact UO specialist for more details

17. Other Goals for the “Next Chapter”

18. Additional Resources University of Oregon Human Resources Ernie Pressman Journey Tree Journey Tree “Faculty” webpage: http://journeytree.com/faculty http://journeytree.com/faculty PERS PERS website: http://www.oregon.gov/PERS/ http://www.oregon.gov/PERS/ Social Security Social Security website: http://www.ssa.gov/ http://www.ssa.gov/

19. Additional Reading How to Retire Happy, Wild, and FreeBy: Ernie J. Zelinski The NumberBy: Lee Eisenberg Refire! Don’t RetireBy: Ken Blanchard and Morton Shaevitz The Rogue’s Road to RetirementBy: George S. K. Rider UnretirementBy: Chris Farrell Younger Next YearBy: Chris Crowley and Henry S. Lodge, M.D. Younger Next Year for WomenBy: Chris Crowley and Henry S. Lodge, M.D.

20. JOURNEY TREE Your journey. Our expertise. 975 Oak Street, Suite 785 ● Eugene, Oregon 97401 ● 541.485.3154 Journeytree.com