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achieve the retirement you dream of avoid retirement traps 10/13/ Representative Name Agency Name

agenda Understanding retirement traps Address how to avoid retirement traps Next steps Questions and Answers 3 10/13/2015

retirement traps 4 10/13/2015 Taxes Contribution limits Disability Bear markets Withdrawal penalties Required Minimum Distributions Source: last accessed February 17, 2012.

sources of income Taxable Tax-Deferred Tax-Free 10/13/2015 5

taxes 10/13/ Lower maximum tax rates on capital gains and dividends could make the investment returns for the taxable investment more favorable. Investors should consider their personal investment choices and income tax brackets both current and anticipated when making an investment decision. It’s likely an investor’s tax bracket could change over time.

taxes 10/13/ Lower maximum tax rates on capital gains and dividends could make the investment returns for the taxable investment more favorable. Investors should consider their personal investment choices and income tax brackets both current and anticipated when making an investment decision. It’s likely an investor’s tax bracket could change over time.

contribution limits Many retirement savings tools such as a 401(k) or IRA enjoy tax-deferred growth but contributions are limited or, in some cases, may preclude a client’s eligibility. 10/13/ Source: Asocialsecurity20_ST_N.htm

disability Since there is no earned income while you are disabled, employer contributions to most qualified plans cease and an employee’s ability to contribute is suspended. 10/13/2015 Source: Commissioner’s Disability Insurance Tables A and C, assuming equal weights by gender and occupation class

down markets 10 10/13/2015 Once you retire, bear markets could possibly jeopardize the amount of money you have to live on.

down markets 11 10/13/2015

an alternate approach 12 10/13/2015

required minimum distributions Tax-deferred retirement plans require withdrawals whether you need it or not. Qualified plan balances may be subject to both income and transfer taxes upon your death, which often reach 30% or more. 10/13/

early retirement Full Retirement and Age 62 Benefit by Year of Birth 10/13/ Source:

achieve the retirement you dream of 15 10/13/2015 Not only does life insurance offer a valuable death benefit, cash value policies can also provide retirement cash flow through a combination of withdrawals and policy loans, helping to supplement retirement income. Tax law permits a policy owner to withdraw life insurance policy cash values up to the policy owner’s basis or investment in the contract without income tax consequences. Withdrawals and loans will reduce the available death benefit. Withdrawals beyond basis may be taxable income. Excess and unpaid loans will reduce policy value and may cause the policy to lapse. If a policy lapses, unpaid loans are treated as distributions for tax purposes. For more information about the tax results of life insurance, consult your attorney or tax advisor.

avoid retirement traps Life insurance has no annual contribution limits or income eligibility limits. 10/13/ Contributions in excess of certain guidelines will disqualify the policy as life insurance for federal income tax purposes or may classify the policy as a modified endowment contract, thereby eliminating certain tax benefits.

avoid retirement traps Life insurance can help in the event of disability. 10/13/

avoid retirement traps Life insurance can help reduce the impact of a bear market. 10/13/

avoid retirement traps Life insurance has no penalties on distributions. 10/13/ Unless policy is a modified endowment contract.

avoid retirement traps Life insurance can help increase your legacy. 10/13/

next steps 21 10/13/2015 Data collection Set up next meeting date

10/13/ /13/2015 Representative Name Agency Name Phone (Agency name) is not an affiliate of Ameritas. This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including: Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York, Acacia Life Insurance Company, The Union Central Life Insurance Company and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp and Acacia Life Insurance Company are not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. At Ameritas, insurance agents solely provide financial information incidental to the sale of insurance products. Investment advisors provide financial planning and investment advice independent of the sale of financial services and products. Investment advisors may be licensed and registered with Ameritas Investment Corp. or other registered investment advisors. Representatives of Ameritas do not provide tax or other legal advice. Please consult your tax advisor or attorney regarding your situation. Ameritas® and the bison are registered service marks of Ameritas Life Insurance Corp. © 2013 Ameritas Mutual Holding Company, 5900 O Street, Lincoln, NE 68510