RETIREMENT
READY OR NOT?
4 THINGS YOU MUST KNOW ABOUT PLANNING FOR RETIREMENT
CONTENTS
3
Take Control of Your Financial Future
4
Introduction: Climbing the Retirement Mountain
What's Your Goal?
5
Question #1
6
Question #2
7
Question #3
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Question #4
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Summary
DoddsWealthAdvisors.com
TAKE CONTROL
OF YOUR
FINANCIAL FUTURE
Congratulations! You've already begun.
What? How can that be? You may be thinking. We mean that by reading this Retirement Planning Guide, you've
taken the most important step toward giving yourself a solid nancial future. You're already making progress.
You've begun the journey.
The journey towards retirement takes nancial commitment.
This Guide was developed to help you in that journey and shares 4 key questions that you must ask yourself
before you begin planning for your retirement. We counsel our clients on how to properly answer and address
these key questions here at Dodds Wealth Advisors.
If you're ready to take control of your nancial future and begin to plant the seeds of legacy for your family, then
please read closely, take notes, and if you're interested in meeting with one of our advisors to help you answer
these questions then contact us today for a free consultation.
Now let's get started.
You are the ultimate engineer in creating wealth in your life. Your income is the tool that you can leverage to
help you get from where you are to where you want to be. But every starting point must begin by asking the
right questions .do you know what those questions are?
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INTRODUCTION
Climbing the Retirement Mountain What is the goal?
Recently, I heard a story from a man who attempted the daunting challenge of climbing the
highest peak in the world Mt. Everest. He shared that although he didn't make it to the peak,
he made it back down the magni cent mountain safely and celebrated the attempt anyways,
that sounded like a worthy celebration nonetheless!
Planning for retirement can
be confusing.
You're not alone.
We're here to help you in
your journey. Request your
free DVD that shares more
about our team and how we
help our clients achieve
peace of mind through
sound retirement planning.
REQUEST YOUR FREE DVD
SCHEDULE YOUR FREE
RETIREMENT PLANNING
CONSULTATION
He then shared that while doing some research before he set out on the climb, he discovered
that since 1921, of all the people to attempt to climb the great Mt. Everest, only 28% made it to
the top! And the most shocking statistic he shared was that nearly 56% of those who
successfully made it to the top, perished before making it back down the mountain. So ask
yourself, Is my retirement goal to only make it to the top of the mountain?
He or she who accumulates the most, wins the retirement race.
Nothing could be further from the truth.
This notion is based on the premise that by accumulating the most you will enjoy the highest
rate of return during your lifetime. But can you spend a rate of return ? Not quite. You can
only spend cold hard cash.
Think about it, at the end of your life would you rather look back and say you enjoyed the
highest rate of return possible, or would you like to be able to say you enjoyed the highest
level of spending possible?
Here at Dodds Wealth Advisors, we believe that asset accumulation is only half the story. Asset
protection and distribution is an important, if not MORE important component of that
equation. In the pages that follow, you'll discover the key questions you need to be asking
yourself as you plan for your retirement to ensure that the journey back down the retirement
mountain is a pleasant and successful one.
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Question #1
You Must Ask Before Planning Your Retirement
At what rate of return do you have to earn on your savings and
investment dollars to be able to retire and enjoy your current
standard of living through the end of your life expectancy?
Have you ever been driving down the road and you completely forgot that the gas light had been on
for quite a while and now you nd yourself nowhere near a gas station where you can fuel up?!
That mix of nervousness and anxiety that overcomes you, all the while you're hoping and praying that
at the very worst you can coast into the station on fumes and make it we've all experienced those
moments.
The whole concept of understanding at what rate of return you have be earning in order to
comfortably enjoy your current standard of living during retirement years (and through the end of
your life expectancy) can be quite challenging when left to your own devices.
That's why we coach our clients telling them, There are no gas stations after retirement. What we
mean by that is you have your lifetime to accumulate as much as you can in your retirement tank, and
that's needs to last you the rest of your lifetime and for some, that could be 30 or 40 years.
We help our clients identify the strategies, techniques and best sources for growing and protecting
their retirement gas tank .
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Question #2
You Must Ask Before
Planning Your Retirement
How much do you need to save on a monthly or annual basis to be
able to retire at your current standard of living and last through your life
expectancy?
Of course you've heard this before, right? And none of us want to get to retirement and suddenly realize
that we weren't saving enough along the way. So how do you gure out what that monthly number
needs to be? Did you know there are several factors that impact that number?
FACTORS THAT IMPACT HOW MUCH YOU SHOULD BE SAVING TODAY FOR RETIREMENT TOMORROW
Taxes and In ation
The Twin Destroyers of Wealth
Did you know that taxes (both income and consumption) is the biggest expense among all U.S.
households? Most of us do not realize this because we have gotten used to it.
In ation has increased at a rate of about 3% based on its historical long-term average, and at that rate
the purchasing power of a given sum of money will be cut in half in just 23 years! (If it jumps to 4%, the
purchasing power is cut in half in only 18 years)
Taxes and in ation are just two examples of serious threats to your nancial future! In working together
we can help you overcome these challenges ensuring that you are not transferring your wealth
unknowingly and unnecessarily so that your future is more secure.
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Question #3
You Must Ask Before Getting Started!
Don't trust your retirement
planning to just anyone.
Demand results.
Expect a track record for
creating success from your
Wealth Advisor. Request
your free DVD to learn more
about our team and how we
can help.
REQUEST YOUR FREE DVD
Doing what you're currently doing, how long will you need
to work before you're able to retire and live at your current
lifestyle until life expectancy?
Imagine if you are saving in your IRA's or 401K plans with the aspirations of retiring at age 60
only to nd out when that big day comes that you didn't save enough to sustain your desired
retirement lifestyle. Not exactly what you envisioned right? We certainly would not want this to
happen to anyone but the reality is many fall short of their goals due to one critical reason.
Failure to plan.
We can be a valuable resource in this area by clarifying your goals and desired retirement ages
and calculating a number of scenario's so that you know exactly what needs to be done
between now and your desired retirement age.
SCHEDULE YOUR FREE
RETIREMENT PLANNING
CONSULTATION
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Question #4
You Must Ask Before Getting Started!
If you don't do anything di erent than you're doing today,
how much will you have to reduce your standard of living
at retirement for your money to last to your life
expectancy?
Now is the time to take
control of your future and
retirement. Our advisors are
here to help and we're not
going to pressure you into
any decision.
That's why we o er a free
consultation to learn more
about your goals and see if
we're able to help.
Request your free DVD to
learn more about our
advisors and how we can
help.
REQUEST YOUR FREE DVD
SCHEDULE YOUR FREE
RETIREMENT PLANNING
CONSULTATION
What will you have to give up when you retire that you're currently enjoying? This is assuming
you aren't currently planning or preparing for retirement; or that you don't have a strategic
retirement game plan in place that has been developed with your assistance by a trusted
advisor.
Here at Dodds Wealth Advisors, we coach our clients through these di cult decisions and help
them develop a plan that suits their lifestyle goals when planning for retirement.
Typical reasons people delay planning or taking action on a well-developed retirement
strategy includes the following:
I'm too busy
Too many people believe that they don't have the time right now to plan for retirement, yet,
they want to plan for a better retirement! They convince themselves they'll take care of it
tomorrow or the day after that and before they know it, several years have passed them by.
General George Patton once said, A good plan implemented today is better than the perfect
plan implemented tomorrow. Start today!
It's too late
It's never too late. Income generating strategies are constantly evolving and there is most
likely a very sound strategy you've not yet considered that one of our advisors would be able
to help you implement now, so you can enjoy a better retirement tomorrow.
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My nances are a mess
If you're confused about your nances, or concerned that you have several 401(k) accounts from
previous jobs and no clue what you should do, the worst thing you can do is to do nothing! A proper
nancial and retirement plan helps you organize and make sense of the items confusing you, and it
provides you with a game plan and accountability partner your Wealth Advisor.
In the end, there are many reasons you may choose to delay planning for retirement, but the best
solution is to stop delaying and take action. Put positive change for your life, your family and your
retirement into motion today by contacting one of our Wealth Advisors to schedule a free retirement
planning consultation. We stand eager and ready to assist you in reaching your goals!
DoddsWealthAdvisors.com
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SUMMARY
It All Comes Down To You
When it comes down to it, committing to a Wealth Plan and creating a legacy for your family that will serve
them for generations to come, you're the driving force behind getting started. There's no magic formula here.
But there are people who can help you get from where you are to where you want to be. There are people
who want to create success for you and your family through proper planning, investing, tax strategy, and
estate planning techniques that will position you for success in your retirement.
It's just like if you have a map showing you the way to buried treasure. If you follow the map, it will show you
the most direct route to the riches as well as the places to avoid. We take great pride in helping our clients
develop and follow their retirement treasure map.
TWO WAYS TO DIG DEEPER
1
REQUEST YOUR FREE DVD
In this free DVD, you'll learn more about our team and how we've
helped our clients. This is a free DVD, no obligation and no pressured
sales calls. We believe we can help you get to where you want to be,
and we want to share this DVD with you so you can make up your own
mind about having our advisors help you with your long-term vision,
goals and retirement planning.
2
SCHEDULE YOUR FREE
RETIREMENT PLANNING
CONSULTATION
Through a private one-on-one
consultation, you will meet with an
advisor of your choice simply to
talk and learn more about your
current situation and goals. This is
a free session and opportunity for
you to get to meet with your
potential advisor. If after meeting
with your advisor you don't feel
that we're the Wealth Advisors for
you, then just say so and we'll not
pressure you one bit. We
guarantee it.
All Securities Through Money
Concepts Capital Corp., Member
FINRA/SIPC
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