Living Well in Retirement

Presented By: Dryden, Bound & Associates Jay Dryden and Luke Bound Financial Service Representatives
We will work with you and your tax and legal advisers to help you select the most appropriate product solutions to suit your specific needs and circumstances. Metropolitan Life Insurance Company (MLIC), New York, NY. Securities products are offered through MetLife Securities Inc. (MSI) (member FINRA/SIPC). 200 Park Avenue, New York, NY 10166. MLIC and MSI are affiliates. L09078110[exp0908][AL]

Living Well in Retirement
Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this seminar is not intended to (and cannot) be used by anyone to avoid IRS penalties. This seminar supports the promotion and marketing of financial profiles. You should seek tax advice based on your particular circumstances from an independent tax advisor.

Living Well in Retirement
You tell me: What are your biggest concerns for retirement?

Living Well in Retirement
5 Questions You Need to Be Dealing With

1. How will longevity impact my retirement?
 Male

age 65 age 65 age 65

 Female  Couple

1. How will longevity impact my retirement?

1. How will longevity impact my retirement?
0 – 22 23 – 44 45 – 66 67 – 88

1. How will inflation impact my retirement?

What did things cost in 1978? What do those same things cost today? What might these same things cost in 2038?

1. How will inflation impact my retirement?

Have you made plans for your income to triple during your retirement?
$250,000 $200,000 Income $150,000 $100,000 $50,000 $0 65 75 Age 85 95 Retirement Income *

* This graph illustrates what it would mean to triple a $75,000 income over a 30 year timeframe.

1. How will health care impact my retirement?

 What  Can

is your experience been so far?

medical science ever cure old age?

1. How will investment risk impact my retirement?

There are risks of being too conservative as well as being too aggressive. For example:

1. How will investment risk impact my retirement?

Conservative

vs.

Aggressive

1. How will investment risk impact my retirement?

Conservative

vs.

Aggressive

In 1981 a fixed rate was around 15% What was the “real” rate of return? Interest Rate 15%

- 1099 (25% total tax) 11.25% - Inflation 13% -1.75

1. How will investment risk impact my retirement?

Conservative

vs.

Aggressive
In 2000 the bubble burst… In 2001 the towers fell… In 2002 the CEOs lied…
$600,000 $500,000 $400,000 $300,000 $200,000 $100,000 Large Cap Growth *

In 1981 a fixed rate was around 15% What was the “real” rate of return? Interest Rate 15%

- 1099 (25% total tax) 11.25% - Inflation 13% -1.75

$0 1999 2000 2001 2002 December 31 of...

* Source Morningstar Category: Large Cap Growth Stocks

1. How will investment risk impact my retirement?

While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to one of these asset allocation models neither guarantees a profit nor prevents the possibility of loss.

5. What impact will I have through my estate?

“Simple Wills” and Living Trusts Health Care Directives and Durable Power of Attorney

MetLife does not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance.

Mount Everest

Thank you !

Enjoy the Food!

Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this seminar is not intended to (and cannot) be used by anyone to avoid IRS penalties. This seminar supports the promotion and marketing of financial profiles. You should seek tax advice based on your particular circumstances from an independent tax advisor. We will work with you and your tax and legal advisers to help you select the most appropriate product solutions to suit your specific needs and circumstances. Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities products offered by MetLife Securities, Inc. (MSI) (member FINRA/SIPC), New York, NY 10166. MLIC and MSI are affiliates.
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