Charting your course to retirement

Randall & HUrley

Planning Your route

YOUR PROVIDERS WORKING TOGETHER

RANDALL & HURLEY | TPA

INVESTMENT CO| CUSTODIAN SMART Co| INVESTMENT ADVISOR

ABC COMPANY | SPONSOR

Retirement Plans 46%

Social Security 36%

Savings & Investments

16%

Other 2%

Retirement Income sources

PLANNING YOUR ROUTE

Start saving & Stay the course

SAVE TAXES

Use the table to see how it works. You can choose to save taxes now or at retirement

based on how you choose to defer.

Pre-Tax Deferral

Equal Contribution Roth Deferral

Equal Pay Roth Deferral

Gross Annual Pay $30,000 $30,000 $30,000 401(k) Contribution ($200/mo.) 2,400 2,400 2,040 Taxable Income 27,600 30,000 30,000 Federal Income Taxes (15%) 4,140 4,500 4,500 FICA (7.65%) 2,295 2,295 2,295 Net Take-Home Pay $21,165 $20,805 $21,165

HOW TO SAVE $100,000

Number of

Years

Monthly Savings

Required 10 $578 20 $192 30 $82 40 $38

Illustrations assume a 7% annual return.

Time Makes Saving Easier

WATCH IT GROW

0

20

40

60

80

100

120

140

160

180

200

0 10 20 30 40

Tota

l Acc

ount

Val

ue ($

1,00

0)

Years Contribs Earnings

Illustration assume a 7% annual return.

The Miracle of Compound Interest

YOUR PLAN HIGHLIGHTS

YOUR PLAN HIGHLIGHTS

Plan Type: Cash Balance Plan

Trustee: John Smith

Effective Date: January 1, 2012

Retirement Age: Age 62 (with 5 years of participation)

Vesting Percent: 0 - 2 years 0% 3+ years 100%

Investments: Held at Smart Co and directed by the Trustee

Statement Timing: Annually

Questions?