R ETIREMENT A NALYZER S OFTWARE Dennis Shepherd, Ind. Agent Shepherd Retirement Services, LLC

R ETIREMENT A NALYZER S OFTWARE This software program is designed to help people identify potential problems surrounding retirement. Whether you are making long range plans for retirement, saving for retirement or are already retired, this software program will help create a clear picture of your financial future. Introduction

R ETIREMENT A NALYZER S OFTWARE Good News Many people are living longer than ever before. That means that some folks may live 20, 30 or even 40 years in retirement..

R ETIREMENT A NALYZER S OFTWARE Bad News Unfortunately many folks have no idea what it takes to survive financially throughout retirement. Their main concern is… “will we outlive our money?”

R ETIREMENT A NALYZER S OFTWARE Good News When using this software program, your financial professional can give you a clear picture of what your retirement years may look like!

R ETIREMENT A NALYZER S OFTWARE Lump Sum Illusion The Lump Sum Illusion occurs when a person feels overly comfortable with a large sum in their retirement portfolio at a future date, but hasn’t analyzed how long it will last. How much money you will accumulate at retirement is an important piece of the puzzle but by itself it means nothing!

R ETIREMENT A NALYZER S OFTWARE Lump Sum Illusion Many agents may only understand one piece or the accumulation phase of the retirement puzzle. We will go the extra step and provide you with a free detailed analysis showing how long your money might last. Don’t Get Caught in the Lump Sum Illusion!!

R ETIREMENT A NALYZER S OFTWARE Case Study  Dan & Sheryl are 53 & 48.  Dan earns $60,000 per year and Sheryl earns $48,000.  Both would like to retire in  Total liquid assets for retirement = $508,351.  Monthly budget equals $7,300.  Social Security totals equal $3,772/month.  Pension Funds equal $500/month.  Rate of return on retirement funds equals 4%.  Needed guidance on how to prepare for retirement. This is a hypothetical example. The characters in this example are fictional only. Your actual experience will vary.

R ETIREMENT A NALYZER S OFTWARE Case Study  The Financial Professional recommended that they put their retirement funds into a product such as an annuity with a guaranteed principal feature.  The Financial Professional helped Dan and Sheryl purchase a conservative product but did he take the next step to check and see how long their retirement funds would last given their spending habits.  After running their numbers through the Retirement Analyzer Software Program, the agent determined that……… This is a hypothetical example. The characters in this example are fictional only. Your actual experience will vary. *Any transaction that involves a recommendation about funds held in a security product can be conducted only by individuals currently affiliated with a properly registered broker/dealer. If your financial professional does not hold the appropriate registration, please consult with your own broker/dealer representative for guidance on your securities holdings.

R ETIREMENT A NALYZER S OFTWARE Outcome Based on their spending habits and their sources of income such as Retirement Accounts, Social Security and Pensions and using reasonable projections in a detailed analysis……. They will run out of money 18 years into retirement! This is a hypothetical example. The characters in this example are fictional only. Your actual experience will vary. Financial disaster may be just around the corner!

R ETIREMENT A NALYZER S OFTWARE  Can I continue my present standard of living into my retirement years?  When can I retire safely without running out of money?  How could my situation change during turbulent economic times?  How would it affect my family if I die prematurely?  How would it affect my family if I enter a nursing facility?  What are the possible solutions if my situation changes? Can Help Answer the Following Questions

R ETIREMENT A NALYZER S OFTWARE How the Software Program Works  We will discuss and decide on conservative estimates specific to your own situation  We will gather data to provide you with a personalized analysis  We will input your information and will provide you with a complimentary year-by-year financial retirement analysis.

R ETIREMENT A NALYZER S OFTWARE Personal Data This is a hypothetical example. The characters in this example are fictional only. Your actual experience will vary.

R ETIREMENT A NALYZER S OFTWARE Retirement Accounts This is a hypothetical example. The characters in this example are fictional only. Your actual experience will vary.

R ETIREMENT A NALYZER S OFTWARE Monthly Income Need This is a hypothetical example. The characters in this example are fictional only. Your actual experience will vary.

R ETIREMENT A NALYZER S OFTWARE Retirement Summary The software points out potential problems occurring during the retirement years. The yellow line indicates that the client’s funds fell below a determined level. The red line indicates the retirement funds are exhausted in the year You have several options available to help alleviate future problems. This is a hypothetical example. The characters in this example are fictional only. Your actual experience will vary.

R ETIREMENT A NALYZER S OFTWARE Red Line Solutions Actions Used to Alleviate the Red Line  Work Longer  Employment after leaving main job  Reduce monthly expenses  Increase contributions to retirement accounts  Look for other income alternatives Proper registered registrations are required to suggest or recommend the sale or liquidation of securities products.

R ETIREMENT A NALYZER S OFTWARE Retirement Summary In this scenario, the client decreased monthly spending and began contributing to a Roth IRA. As you can see the red line from the previous example has disappeared. This is a hypothetical example. The characters in this example are fictional only. Your actual experience will vary.

R ETIREMENT A NALYZER S OFTWARE Conclusion The software program gives you an idea of what your financial future may look like. The personalized analysis takes a wide range of factors into consideration, and will show areas of concern and I can make suggestions which may help you attain your goals toward securing your financial future It is important to understand that actual results may vary greatly from the projections in the tool if estimates such as rates of return are inaccurate.

R ETIREMENT A NALYZER S OFTWARE There is no charge for this very valuable benefit. Simply set an appointment with us to evaluate your situation. Keep in mind that your information is confidential and you will only become a client if you so chose. In order to make your software program personal and accurate, you need to have the following items on hand when we get together.  Statement of benefits from Social Security, (if you do not have one you can call or go to  A recent pay stub, (this will help in determining retirement income needs).  Retirement benefits provided by your employer, if any.  All financial accounts that are specifically earmarked for retirement. Note: Do not include such items as savings accounts that are used for vacations, emergencies, etc. Also do not include home equity unless you plan to sell and use proceeds to add to retirement accounts.  Life insurance and/or Long Term Care insurance information.

R ETIREMENT A NALYZER S OFTWARE Thank You