11 The Changing Landscape: Your Strategy Preserving retirement assets and generating desired retirement income can be a challenge. The future can seem uncertain. Important factors to consider:  Inflation  Increased life expectancy  Changing corporate retirement plan landscape  Various sources of retirement income, including Social Security

22 The Changing Landscape: Inflation Changes in the Cost of Living: Last 30 Years Product 1980 ($)2013 ($)Increase (%) Luxury Car*12,95075, Movie Ticket (average cost) Postage Stamp Source: U.S. Postal Service, hollywoodreporter.com, autos.yahoo.com (based on the price of a 2013 Cadillac Escalade ESV)

33 The Changing Landscape: Sources of Retirement Income Typical Sources of Retirement Income Company Pension Plan Social Security Savings and Other Investments Inherited Wealth, Trusts Part-time Employment in Retirement Rental Income (Real Estate)

44 How Much You’ll Need: Your Considerations When do you want to retire? Can you afford to retire at that time? How long does your money need to last? Do you have a strategy in place in case of future life-stage changes? Are your investments properly allocated to help you meet your retirement goals? Key Considerations Include:

55 Retirement Income Needs: Maintain Standard of Living Income Requirement: $200,000 a Year Majority of Your Income Smallest Source of Income Private Pension Social Security Personal Investments This chart is a hypothetical example and is shown for illustration purposes only. 46%

66 Your Action Plan: Manage Retirement Risks Consider Strategies to Address Financial Risks Faced in Retirement Years Retirement Risk Retirement Risk-Management Strategy Investment Protect retirement income against market fluctuations and downturns by revisiting the allocation of your assets and potential income sources. Inflation Use strategies to mitigate the impact of the declining purchasing power of a dollar over your retirement years. Longevity Ensure that retirement income can sustain lifestyle needs despite increases in the cost of living, and that it will last a lifetime.

77 Your Action Plan: Protect Assets Against Rising Inflation Periodic Review of Your Asset Allocation Strategy May Help Protect Against Rising Inflation, and Preserve Your Purchasing Power in Retirement Years See important disclosure information at the end of this presentation. Consider the Following Investments, Which May Protect Your Portfolio Against Inflation Fixed Income Commodity-Based Assets Equities Securities that Invest in Real Estate and Other Alternative Investments

88 The Roth IRA: Wealth Planning Advantages No contributions cutoff at age 70½ and no Required Minimum Distributions can mean your investments continue to grow tax- deferred, providing more to pass on to your heirs. Roth IRAs can be an effective wealth planning tool, since heirs can enjoy continued asset growth without paying taxes when they withdraw assets. Using the “stretch” IRA concept with a Roth IRA lets you leave a greater, tax-free financial legacy for your heirs. Tax-Deferred Growth of Assets Tax-Free Wealth Transfer Stretch IRA

99 Your Action Plan: Review/Update Beneficiaries Are your beneficiary designations up to date? Importance of having up-to-date beneficiaries:  Unidentifiable beneficiaries  Spouse as beneficiary  Customizable beneficiaries  Trusts as beneficiaries

10 How We Help You Define and Achieve Your Goals We periodically identify and evaluate potential solutions to address your situation. Ongoing Commitment Tailor Solutions Develop Understanding Conduct Analysis Implement and Deliver We help you develop a thorough understanding of your retirement savings goals. We review and analyze your current financial situation and all relevant factors. We evaluate various solutions to help you identify the one that best meets your needs. We help you set up the plan and begin making contributions.