4SWM Wealth Management Strategies-Danton Troyer

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Wealth Management Strategies Turn the money you haveinto the money you’ll need Securities offered through LPL Financial Member FINRA/SIPC

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Securities offered through LPL Financial Member FINRA/SIPC

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Securities offered through LPL Financial Member FINRA/SIPC

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How much do you thinkyou’ll need in retirement? Source: Employee Benefit Research Institute and Matthew Greenwald & Associates, Inc., 2007 Retirement Confidence Survey. Securities offered through LPL Financial Member FINRA/SIPC

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How much will you actually need? Assumes 25 years of retirement, and a retirement nest egg growing at 6% annually, compounded monthly and adjusted for 3% inflation. The examples shown are hypothetical and are not representative of any specific situation. Results will vary. All income is assumed reinvested. Securities offered through LPL Financial Member FINRA/SIPC

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Take advantage of tax-sheltered savings plans Securities offered through LPL Financial Member FINRA/SIPC

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Does a Roth IRA make sense? Securities offered through LPL Financial Member FINRA/SIPC

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Talk to your advisor aboutplanning and saving Maximizing your retirement savings Contributing or converting to a Roth IRA Converting existing custodial accounts to a 529 Establishing a strategy to avoid AMT Securities offered through LPL Financial Member FINRA/SIPC

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Securities offered through LPL Financial Member FINRA/SIPC

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Longevity comes at a cost The longer you spend in retirement, the more savings you’ll need just to cover basic expenses such as food, housing, and health care Source: U.S. Department of Labor, Consumer Expenditure Survey, 2005. Expenses include food, housing, health care, clothing, and transportation. Total expenses based on a present value calculation assuming a retirement age of 65 and an investment return of 2% after adjusting for taxes and inflation. Assets needed at retirement Number of years in retirement $265,000 $460,000 $655,000 Securities offered through LPL Financial Member FINRA/SIPC

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Keep an eye on Social Security If nothing changes In 2018, benefits owed will exceed taxes collected The trust fund will be exhausted in 2042 Potential consequences Increase payroll taxes Decrease or delay benefits Use other tax revenues Pre-fund benefits through personal, voluntary savings accounts Social Security Administration, “The Future of Social Security,” January 2004. Workers per beneficiary 1950 16 workers for each beneficiary Today 3.3 workers for each beneficiary 2030 2 workers for each beneficiary Securities offered through LPL Financial Member FINRA/SIPC

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Identify potential sources of income Securities offered through LPL Financial Member FINRA/SIPC

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Talk to your advisor aboutmanaging retirement income Identifying potential sources of income in retirement Planning withdrawals so your savings will last Managing longevity risk by adding guaranteed sources of income Consolidating retirement accounts in oneRollover IRA Securities offered through LPL Financial Member FINRA/SIPC

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Securities offered through LPL Financial Member FINRA/SIPC

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Do you need an estate plan? Do you have children who are minors? Are all of your assets owned jointly with your spouse? Are most of your assets in real estate,a business, or a retirement plan? Do you have a durable power of attorney? Do you have a living will/health-care proxy? Do you own property in another state? Do you have children from a prior marriage? Securities offered through LPL Financial Member FINRA/SIPC

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Important documents forstaying in control of your assets Durable power of attorney Living will Health-care proxy Will Securities offered through LPL Financial Member FINRA/SIPC

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Disinherit Uncle Sam Unlimited marital deduction Federal estate tax exclusion Keep beneficiary designations updated Use IRAs and trusts to avoid unnecessary taxes Establish a gifting strategy Securities offered through LPL Financial Member FINRA/SIPC

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Stretch the life of your IRA Income is based upon an initial investment of $200,000 and cumulative annual distributions for 39 years. This hypothetical illustration assumes an 8% annualized return (8.30% effective return) and that distributions are kept to the required minimum. It does not represent the performance of any Putnam fund or investment or take into account the effect of any fees or taxes. Investors should consider various factors that can affect their decision, such as possible changes to tax laws and the impact of inflation and other risks, including periods of market volatility when investment return and principal value may fluctuate with market conditions. The Stretch IRA feature is designed for investors who will not need the money in the account for their own retirement needs. Stretched for more than 30 years, an IRA owner’s $200,000 IRA eventually pays over $3 million in income His wife dies at age 70, ten years after the IRA was created and before taking RMDs. The following year, their son (age 46) begins receiving annual payments based on his life expectancy. He names his wife as his beneficiary. This chart shows annual Required Minimum Distributions in selected years 29 years later, the son dies. His wife continues the established distribution schedule. She may not treat the IRA as her own and no rollover is available. The IRA is depleted. Securities offered through LPL Financial Member FINRA/SIPC

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Talk to your advisor abouttransferring wealth Helping you identify your estate planning needs Taking advantage of a Stretch IRA Using a 529 plan as an efficient way to: Remove appreciated assets from an estate Help finance college education for family members Securities offered through LPL Financial Member FINRA/SIPC

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Plan for success Professional guidance Financial advisor Accountant Lawyer Next steps Securities offered through LPL Financial Member FINRA/SIPC

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Securities offered through LPL Financial Member FINRA/SIPC Section 529 plans are established and maintained by state governments or agencies or eligible educational institutions. Contributions must be kept in a qualified trust in order to be treated as a qualified tuition program. *As with all tax-related decisions consult your tax advisor. Withdrawals for expenses other than qualified education expenses are subject to income tax and an additional 10% penalty on earnings. You should consider a 529 Plan’s fees and expenses such as administrative fees, enrollment fees, annual maintenance fees, sales charges, and underlying fund expenses, which will fluctuate depending on the 529 Plan invested in and the investments chosen within the plan. You should also consider the inherent risks associated with investing in 529 Plans such as investment return and principal fluctuation, which will also vary based on the investments made within the plan. More information is available in each plan’s official statement. The official statement should be read carefully before investing.

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Securities offered through LPL Financial Member FINRA/SIPC Danton K. Troyer, CFP Danton.Troyer@lpl.com 314-432-2229