A G U I D E T O R E T I R E M E N T/ I N V E S T I N G P L A N N I N G

CHARTING A COURSE

PRESENTED BY:

WES MOSS, CFP

WES MOSS, CFPChief Investment StrategistCAPITAL INVESTMENT ADVISORS, INC.

[insert your bio or company information] Capital Investment Advisors is a fee-only financial advisory and portfolio management firm based in Atlanta.

Since 1994 Capital has been providing clients with financial strategy and management tailored to the client’s individual circumstances and objectives rather than advisor incentives or commissions.

WHO NEEDS PLANNING?

People in their 30s who are finishing student loan and credit card payments…

People in their 40s who are saving for retirement and planning for education costs…

People in their 50s who are saving for retirement and paying for college…

People in their 60s who are “officially” retiring from work…

Everyone!

Successful Retirement

Written Financial Plan

Risk Planning

Accumulation

Bucket Approach

Fill Buckets

Monitor & Review Your

Progress

ASSIGN INVESTMENT GOALS

Pre-Retirement

(Phase I)

Accumulation

Long-term growth

Consistent savings

Time to recover

Post-Retirement

(Phase II)

Distribution

Current income

NO savings

Lack of recovery time

Written Financial Plan

MAPPING THE ROUTE TO YOUR DESTINATION…

Emergency Cash Savings

3-6 months fixed expenses

Home Purchase

Generally biggest investment

Career Change?

Possible IRA Rollover

Pay for Kid’s College?

Generally 2nd biggest investment

Increased Savings Years

Post kids college, generally mid-50s

Written Financial Plan

Today…

Retirement?

UNDERSTANDING RISK/REWARD

Risk Planning

Cash Income Growth

Cash Income Growth

HIG

HLO

W

HIERARCHY OF INVESTMENT SAVINGS

Taxable Investments

Fund brokerage account

Max out 401k

Max out 401k

Roth IRA

Fully fund Roth IRA

Match 401k

Match employer contributions

Emergency Cash Savings

3-6 months fixed expenses

Accumulation

YOUR BUCKETS…

Cash

• Emergency needs

• Sleep-well-at-night cash

Income

• Manage volatility

• Ensure you are generating enough income to live on

Growth

• Counter inflation and appreciate capital over time

Bucket Approach

Cash Income Growth

YOUR BUCKETS…

Cash

• Emergency needs

• Sleep-well-at-night cash

Income

• Manage volatility

• Ensure you are generating enough income to live on

Growth

• Counter inflation and appreciate capital over time

Fill Buckets

GrowthIncomeCash

“Know what you have and why you need it…”

Income

Growth

Cash

MANAGE YOUR ALLOCATIONPHASE I

Cash

•Emergency needs

•Sleep-well-at-night cash

Income

•Ensure you are generating enough income to live on

Growth

•Counter inflation and appreciate capital over time

Monitor & Review Your

Progress

MANAGE YOUR ALLOCATIONPHASE II

“Know what you have and why you need it…”

Income

Growth

Cash

Cash

•Emergency needs

•Sleep-well-at-night cash

Income

•Ensure you are generating enough income to live on

Growth

•Counter inflation and appreciate capital over time

ECONOMIC/INVESTMENT DATA

0

1

2

3

4

5

6

7

Year 1 Year 2 Year 3 Year 4

Ret

urn

s

Insert Your Own Timely Data

Bonds

Cash

Stocks

SUCCESSFUL RETIREMENT

Assess what phases of the investment cycle you have accomplished…

If you’re ready to move forward, you can visit Fidelity, Schwab, Vanguard, or [insert firm name] for help.

Don’t feel comfortable working alone? Visit www.napfa.org to locate a Fee-Only Advisor in your area.

Wes Moss, CFP®Chief Investment StrategistCapital Investment Advisors, Inc.200 Sandy Springs Place, Suite 300Atlanta, GA 30328404-531-0018www.yourwealth.com