www.65retire.com

A veteran financial planner, public speaker and author, 65RETIRE® president Charles Farrell has helped thousands of families and individuals plan retirements and pursue their dreams. And over the course of his career, including nearly 14 years as a Vice President and Senior Financial Advisor with Merrill Lynch, Charlie has discovered one indisputable truth: too many people are underprepared.

That’s why Charles founded 65RETIRE®.

Born at the height of the baby boom years, Charlie understands the challenges faced by today’s aspiring retirees. An aging U.S. population, rising healthcare costs and economic uncertainty make planning for retirement increasingly difficult. But with the right tools, comfortable retirement is still absolutely attainable. For this reason, Charlie has made it his mission to provide people of his generation the support they need to pursue that dream.

As one of Orange County’s leading financial planners, Charlie has led more than 200 investment guidance workshops for pre-retirees, retirees, business owners and financial planners. At Merrill Lynch, Charlie was a top producing financial planner not only in his local Orange County office but nationwide of nearly 16,000 advisors.He also authored a book titled “Saving For Your Retirement Dream” that outlines his innovative yet simple financial planning process with easy-to-understand language and tools including proprietary calculators. He instills confidence in clients by cutting through the confusion and offering total support. Charlie is licensed as a General Securities Representative (Series 7), Uniform Securities Agent (Series 63), Uniform Investment Advisor (Series 65) and Futures Managed Funds (Series 31).

Before he was a financial advisor, Charlie flourished in several industries. He served as a Senior Product Manager for consumer healthcare companies CooperCare, CooperVision, Oral-B and Gillette. He also was Senior Product Manager and National Sales Manager for Revo Sunglasses, and President of 800-4-TRAVEL, a travel industry marketing firm.

The son of a Harvard-trained business turnaround expert, Charlie moved frequently and experienced a variety of cultures when he was growing up. By the time he graduated from the University of the Pacific in 1980, he had lived in more than a dozen U.S. and Central American cities.

Today, Charlie lives in Newport Beach, California, and is “Uncle Charlie” to eight nieces and nephews. A former competitive ski racer, Charlie leads an active life, playing tennis and golf and volunteering for community sports leagues. A history and geography enthusiast, he also enjoys traveling the world and exploring new cultures.

Charles F. Farrell 65RETIRE® Financial Advisor

Email - cfarrell@65retire.com

www.65retire.com

It really comes down to two questions.

1 How mucH do you Have? 2 How mucH do you want to spend?

Honestly, that’s 90% of it. Everything revolves around the answers.

we make finding tHe answers easy. we are 65retire®. we take tHe guesswork out of retirement.

Our brand name says it all: what we do, what our mission is. We help people plan to save their retirement dreams

and plan to retire on time.

And indirectly, we also help people save some money.

We offer a low-cost retirement planning course that covers what you need to know without taking dozens of hours

of your time or thousands of dollars from your wallet.

Our 3-step apprOaCh takes

• $295 (a $495 value)

• 3 one-hour private consultations

That’s it – that’s all we need to look at your financial health and provide enduring solutions to any issues or problems.

• Satisfaction guaranteed or your money back1

• Free updates for life – no payment to modify your retirement strategy2

65RETIRE® gives you good, solid retirement planning for a fraction of the usual fee. It’s convenient, cost-effective and quite possibly the best value you’ll find.

1 Refunds must be requested within 90 days of the conclusion of the course. 2 Services terminate when either the course is complete or the written plans have

been presented. Revisions to the plan is at the discretion of the financial advisor.

retirement planning dOesn’t have tO be COmpliCated.

www.65retire.com

are yOu ready? 65retire® will tell yOu iF yOu are. If you aren’t, we’ll let you know how you can catch up or position yourself better. It’s that simple.

We are retirement consultants – we offer advice. We won’t put you on a mailing list, and we’re not here to give you a hard sell. We’re here to meet a need.

More than ever, pre-retirees and retirees need help figuring out

• wHat to do wHen

• wHat not to do

• wHat tHey sHould be doing

In June 2009, the U.S. Census Bureau estimated that America’s “senior” population will grow 228% by 2050, rising

from 39 million to 89 million.* By 2020, there could easily be 50 million Americans ready to retire – and many of

them will retire on hope, with no plan and naive financial assumptions.

are yOu gOing tO lOse yOur retirement dream? Or Fight tO save it? It’s your choice. Today, we are staring at The Retirement Dilemma™: the tendency of pre-retirees to greatly

• underestimate tHeir life expectancy

• overestimate tHeir financial resources

www.65retire.com

With lifestyle and healthcare advances, longevity is increasing – and there are more centenarians than ever before.

Most pre-retirees see it this way: “I have Social Security and probably X years worth of retirement savings. If I

can protect my retirement nest egg, I’ll be okay.”

And we feel this is the problem. The focus is on protecting principal. We think the emphasis should be on growth

investing, which can potentially help you earn more money over time to keep up with inflation.

Without growth investing, you will risk living on yesterday’s income. When you don’t have enough income,

then you start drawing down your principal. When you start drawing down principal, you’re at risk of outliving

your money.

We help you take 3 steps to plan to overcome The Retirement Dilemma™:

step 1 The Ideal lIfesTyle BuIlder™

step 2 The fuTure lIfesTyle PredIcTor™

step 3 The Ideal reTIremenT BluePrInT™

One of our Financial Advisors will work with you to discover

• wHat you want your retirement to look like

• How mucH money you will need

• How mucH income you are poised to earn

With your input, your Financial Advisor will provide you with a plan to help you generate income

with the goal of meeting your retirement needs.

*denverpost.com/opinion/ci_14247468

iF yOu retire tOday, yOu may need 25 Or 30years OF retirement mOney.

www.65retire.com

dOn’t just dream abOut tOmOrrOw – plan FOr it. The days of making a pension decision and relaxing for 20 years are behind us. We have to retire with a plan, and

maintain a relationship with a retirement consultant who can help us adjust the plan over time as necessary.

That’s what your 65RETIRE® Financial Advisor is here for. We have handpicked independent financial advisors of

great knowledge and experience – not salespersons, but true consultants whose ultimate product

is advice.

We have gathered the right minds for the right problem at the right time – a group of financial professionals

dedicated to helping people with personalized, long-range retirement income and investment strategies.

Your 65RETIRE® Financial Advisor will use our special proprietary calculators to assess

• your financial progress toward your retirement goals

• your reTIremenT defIcIT™ or reTIremenT surPlus™

Most people face a Retirement Deficit™ - they need to save more or direct their money in a way that will potentially

help them earn more.

it’s the Final stretCh.what are yOu dOing tO Finish strOng?

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Our planning Can be a perk at yOur COmpany. For $295 per person (a $495 value), 65RETIRE® can provide one-on-one retirement planning at your company. It can be done over the lunch hour; we don’t have to take up any corporate time. It doesn’t have to be complex. This is a great perk to offer your executives, managers and other key employees – the education and insight that can help them plan to make the most of their 401(k)s, stock options, key person insurance and other assets.

Our advisors can help you project the 5 main categories of retirement expenses:

• fixed expenses (wHat you need to spend money on)

• variable expenses (wHat you would like to spend money on)

• wealtH transfer

• HealtHcare

• emergency & opportunity funds

We use a tool we’ve developed called The Ideal Retirement Solution™ to map out how much money you will need. We want to

• sHow you strategies designed to produce sufficient income

• give you a plan to Help you subtract some anxiety from retirement

• analyze your current portfolio or retirement plan (if you Have one)

• calculate and analyze wHat you need to live your “ideal” retirement

• provide you witH tHe “tools” to pursue your dream

www.65retire.com

23 Corporate plaza Dr., Suite 150

Newport BeaCh, Ca 92660

t 888.657.3847 (1.888.65.retire)

F 1.888.369.3647

cfarrell@65retire.com

This material i s for general information purposes only and should not be considered a recommendation to buy or sell any security, or of a specific investment strategy. Each investor’s portfolio must be constructed based on the individual’s financial resources, investment goals, risk tolerance, investing time horizon, tax situation and other relevant factors. Please consult a financial advisor regarding your specific situation prior to implementing an investment plan. There is no guarantee that any financial plan or investment strategy will achieve its stated objectives. Past performance does not guarantee future results.

Advisors of 65RETIRE® offer securities through Securities America, Inc., Member FINRA/SIPC, clearing through National Financial Services (NFS), LLC, member SIPC, a Fidelity Investments company. Advisory services are offered through Cooper McManus, a SEC Registered Investment Advisor. 65RETIRE®, NFS/Fidelity Investments and Cooper McManus are not affiliated with the Securities America companies. CA Insurance License 0B77357.

www.65retire.com