A reality check for those retired or close to it. Find out if your money will last through retirement; How much income you'll need; How big of a nest egg you'll need for a comfortable retirement, and other important information in this special report from Artifex Financial Group.

BY DARREN HARP AND DOUG KINSEY
BY DARREN HARP AND DOUG KINSEY
About Artifex Financial Group Darren Harp, AIF® Doug Kinsey, CFP®, AIFA® Financial Advisors Artifex Financial Group Darren and Doug head a team of professionals at Artifex Financial Group who combine their varied skills and experience to provide the comprehensive, personalized financial services retirees and pre-retirees want, and need, to pursue their retirement dreams. As fee-only advisors, the professionals at Artifex Financial are like doctors or attorneys because they are compensated solely by a fee they charge for their services. As such, they are true professionals and not hybrid sales people, like most financial advisors, who work largely by commission. From Artifex, clients receive unbiased, well-thought-out guidance, not a sales pitch. Due to their services, Artifex Financial Group has built a loyal clientele, which continues to grow thanks to clients’ recommendations. Darren Harp — A financial professional for over 15 years, Darren has extensive experience in retirementincome planning, insurance planning, and college planning. His credentials include a Bachelor of Arts, a Master of Business Operational Excellence, and the Accredited Investment Fiduciary® (AIF®) certification, which is the mark of commitment to investment fiduciary excellence. Doug Kinsey — A financial professional for over 20 years, Doug has devoted his career to delivering high-quality, conflict-free advice. In addition to the Accredited Investment Fiduciary Analyst™ (AIFA®) certification, he has earned the Certified Financial Planner™ (CFP®) professional designation, the hallmark designation for financial planners. Earning that designation required advanced coursework in taxes, retirement planning, estate planning, investments, risk management and other financial issues. The Oakwood Building, 2305 Far Hills Avenue, Suite 206, Oakwood, Ohio 45419 Ph 855-Plan-Ohio (752-6644) Fax 937-352-0218 darren.harp@artifexfinancial.com doug.kinsey@artifexfinancial.com www.artifexfinancial.com www.retiredayton.com www.retirecincinnati.com 2
About Artifex Financial Group Darren Harp, AIF   Doug Kinsey, CFP  , AIFA   Financial Advisors Artifex Financial Group  Da...
RETIREMENT: READY OR NOT A Reality Check For Those Retired or Close To It The clock is ticking. Baby boomers are getting within a 9 iron of their golden years. Most have finally come to grips with the fact that despite the ideal retirement pictured in glossy brochures and commercials – that retirement for most won’t be close to what they envisioned in their earlier years. All the best laid plans, calculations and formulas have given way to one glaring reality: This is what I’ve set aside for my retirement. Now, how on earth can I make it last? In other words, it is time for a reality check and a meaningful conversation about your retirement income planning. New research finds the magnitude of the retirement savings shortfall in America today is staggering. The U.S. Retirement Savings Deficits could be as high as $14 trillion1. The “American Dream” of retiring after a lifetime of work will be long delayed, if not impossible, for many. Acting sooner rather than later can greatly improve your own retirement security. This is why our no cost, no obligation Retirement Income Analysis is so vitally important. After going through the 12 Key Questions Every Retiree Must Answer, we encourage you to call, fax or email us to schedule your no cost, no obligation Retirement Income Analysis. It’s one thing to have answers. It’s quite another to have the right answers. Your Retirement Income Analysis will provide correct answers to these 12 Key Questions and much more. 1 Source: The Retirement Savings Crisis: Is It Worse Than We Think? The National Institute on Retirement Security, June 20, 2013. 3
RETIREMENT  READY OR NOT  A Reality Check For Those Retired or Close To It The clock is ticking. Baby boomers are getting ...
SEE HOW PREPARED YOU ARE FOR RETIREMENT BY ANSWERING THESE 12 KEY QUESTIONS DARREN HARP, AIF® DOUG KINSEY, CFP®, AIFA® ARTIFEX FINANCIAL GROUP 4
SEE HOW PREPARED YOU ARE FOR RETIREMENT BY ANSWERING THESE 12 KEY QUESTIONS  DARREN HARP, AIF   DOUG KINSEY, CFP  , AIFA  ...
Retirement Income Analysis YES Artifex Financial Group Darren Harp, AIF® Doug Kinsey I would like to CFP®, AIFA® Financial Advisors receive a Retirement Income Analysis. My contact information is provided below. NAME PHONE EMAIL 3 Ways To Respond 1 2 Call 855-Plan-Ohio (752-6644) Fax 937-352-0218 3 Email darren.harp@artifexfinancial.com doug.kinsey@artifexfinancial.com 5
Retirement Income Analysis  YES  Artifex Financial Group  Darren Harp, AIF   Doug Kinsey        I would like to  CFP  , AI...
Proceed To Question 1 6
Proceed To Question 1 6
Challenge how long your money will last if you stop working today, invest your nest egg as safely as possible and try to maintain your current standard of living? Do you know how long your money will last if you stop working today, invest your nest egg as safely as possible and try to maintain your current standard of living? One of the greatest fears of retirees today is running out of money before they run out of life. This is an important question to answer and lies at the heart of Retirement Income Planning. These answers are even more critical given the difficulties in the financial markets and larger economy that have significantly impacted retirement savings over the last decade. While it would be nice to have a one-size fits all formula when it comes to how long your money will last, the truth is there are many factors that go into that equation. Solution Question Do you know Planning and preparing for a financially comfortable retirement is tough enough these days; living in retirement can be even tougher. The point of all the calculations we do in our no cost, no obligation Retirement Income Analysis is to make sure your income will last a lifetime. Proceed To Question 2 7
Challenge  how long your money will last if you stop working today, invest your nest egg as safely as possible and try to ...
Challenge Question Do you know which one of the 567 ways to claim your Social Security will maximize the lifetime benefits? The Social Security Administration provides you with 567 ways to claim your benefits. The Social Security handbook has 2,728 separate rules governing your benefits, yet they provide ZERO employees to advise you on the best strategy. Choosing the right benefits at the right time could mean tens of thousands of additional dollars in retirement. Making a mistake COULD cost you up to 72% of your benefits. And it’s absolutely critical that you get it right because soon after you claim, your benefits become permanent. There are no Do Overs. Social Security is enormously complex. For a couple, age 62, there are over 100 million combinations of months for each of the two spouses to take benefits. Solution Source: 44 Social Security “Secrets” All Baby Boomers and Millions of Current Recipients Need to Know - Revised. By Laurence Kotlikoff, Forbes Magazine, July 3, 2012 In our no cost, no obligation, Retirement Income Analysis, you’ll know which of the 567 ways to claim benefits will maximize your lifetime benefits during retirement. It’s your Social Security, but what you don’t know CAN hurt you. Proceed To Question 3 8
Challenge  Question  Do you know which one of  the 567 ways to claim your Social Security will  maximize the lifetime bene...
proper mix of stocks versus bonds retirement income portfolio? Challenge in a Asset allocation is an investment strategy that attempts to balance risk versus reward by adjusting the percentage of each asset in an investment portfolio according to the investor’s risk tolerance, goals and investment time frame. Asset allocation is based on the principle that different assets perform differently in different market and economic conditions. One of the cornerstones of financial planning for retirement is that an individual’s exposure to higher-risk assets like stocks should decline as his or her retirement date nears. Since risk level and portfolio return are directly related, your asset allocation should balance your need to take risk with your ability to withstand the ups and downs of the market. Solution Question Do you know the What’s the best asset allocation for my age? It depends on your age, your goals and objectives and your appetite for risk. In our no cost, no obligation Retirement Income Analysis, we evaluate all pertinent factors and help you arrive at the optimum asset allocation for your situation. Proceed To Question 4 9
proper mix of stocks versus bonds  retirement income portfolio   Challenge  in a  Asset allocation is an investment strate...
Challenge how big of a nest egg you’ll need as you enter retirement if you’ll be retired for 20, 30 or even 40 years? Have you ever considered how big of a nest egg you’ll need to retire comfortably if your retirement could last 20, 30 or even 40 years? The range of answers is all across the board. The low end suggests you’ll need to have saved 8 times your pre-retirement pay in order to maintain your current lifestyle during retirement, with the high end more like 20 times your annual salary. Estimating what your retirement expenses will be can give you a ballpark figure for the amount of savings you’ll need. It will be imperfect because it requires making assumptions about factors such as how long you will live, what the inflation rate will be and how your investments will perform. Nevertheless, making an estimate is a valuable exercise. Solution Question Do you know An individualized assessment of your retirement income needs will be far more valuable than any one-size-fits-all formula. With our no cost, no obligation Retirement Income Analysis we will play out a variety of scenarios and look at all the factors that go into answering this question. Proceed To Question 5 10
Challenge  how big of a nest egg you   ll need as you enter retirement if you   ll be retired for 20, 30 or even 40 years ...
appropriate spending rate from Challenge your nest egg to insure your savings last your lifetime? If you thought it was hard to grow a nest egg, try living off one in retirement. A lot is written about how to build a nest egg, but not as much about taking money out. Most have no idea how dangerous it is to withdraw too much from their nest egg each year. As baby boomers make the transition from career to retirement, more and more people are grappling with the question, How much can I safely withdraw from my nest egg each year? In today’s low interest rate environment, that poses even bigger challenges. The presumed safe withdrawal rate of 4% has come under fire in recent years. What’s an investor to do? Solution Question Do you know the The Wall Street Journal said a 2% withdrawal rate is bullet proof, 3% is considered safe, 4% is pushing it, and with 5% or more, you risk running out of money, especially if you live into your 90s. In our no cost, no obligation Retirement Income Analysis, you’ll see the outcomes with various withdrawal rates. Source: The Wall Street Journal: How To Survive Retirement – Even If You’re Short On Savings Proceed To Question 6 11
appropriate spending rate from  Challenge  your nest egg to insure your savings last your lifetime  If you thought it was ...
percent of pre-retirement income you need to replace to Challenge maintain your current standard of living in retirement? Estimates of the percent of your pre-retirement income you’ll need to replace in retirement to maintain your standard of living vary greatly. Conventional retirement wisdom says that it’s vital to replace anywhere from 70% to 85% or even more of pre-retirement household income. The reality is that on average, most Americans aren’t able to do that. It’s tough to know how much income you’ll need in retirement. The older you get, the less you’ll spend. Typically, retirement age triggers a number of changes in your spending patterns. For example, you may have paid off your mortgage. Your children may have finished college and moved away. Health care costs may use up a greater portion of your income. You may have to pay more to make sure your insurance needs have been met. Spending on leisure activities, such as travel, entertainment or hobbies, may increase significantly. Solution Question Do you know what The good news is that as a general rule, the longer you live, the less you spend with health being the key factor. In our no cost, no obligations Retirement Income Analysis, we will help you arrive at meaningful percentages based on your specific situation. Proceed To Question 7 12
percent of pre-retirement income you need to replace to  Challenge  maintain your current standard of living in retirement...
Challenge Question Do you know how the rising cost of health care could affect and even decimate your retirement income plan? It’s a fact that healthcare costs have increased at a record pace, and many believe they will continue to rise. Everyone knows the old saying about death and taxes. But there’s one more certainty everyone who retires will need to face: the staggering cost of healthcare. Most people don’t appreciate the significant impact healthcare costs can have on their retirement savings. Yet these expenses can overwhelm even the best-laid retirement plans. Nearly 9 out of 10 are flying blind when it comes to understanding, what could be for many, one of your largest costs in retirement. If you’re like most, you’re underestimating these expenses. Many retirees are not prepared for the high-cost of medical care in retirement when they are no longer part of a company plan. And, too many people believe that Medicare covers most or all expenses. The reality is that Medicare only covers a percentage of your medical bills. Solution Source: Putnam Investments Lifetime Income Score in collaboration with Brightwork Partners LLC Health care expenses are a significant part of spending in retirement, and should be one of your greatest concerns. In our no cost, no obligation Retirement Income Analysis, we will help to estimate what these costs will be and incorporate that into your plan. Proceed To Question 8 13
Challenge  Question  Do you know how  the rising cost of health care could affect and even decimate  your retirement incom...
Question Do you know what your pension annuity is worth and what it costs to Challenge buy more lifetime income? Some pension plans guarantee a monthly payment for the rest of your life, while others only offer a lump sum of money. If you’re fortunate enough to be among the 29% of Americans with a company-funded pension, you probably have to make a one-time, irrevocable decision on how you want to receive your benefits. Should you take a lump sum payout or the pension annuity with monthly payments? This sort of dilemma is faced by hundreds of thousands of people each year, as they approach retirement. Which option is best for you? It depends on your plan’s options, your retirement needs, and your current financial situation. There are trade-offs you face between taking the pension lump sum at retirement or opting for the pension annuity. Regardless, there are several factors to consider in making a decision. For many retirees, it’s the single most important decision they face. Solution Source: How To Take A Pension Payout, Fidelity Viewpoints, June 19, 2013 In our no cost, no obligation Retirement Income Analysis, we will help you to understand your options including a series of regular periodic payments for life, a lump sum or a combination of the two. After examining your situation, we help you determine which option is right for you. Proceed To Question 9 14
Question  Do you know what  your pension annuity is worth and what  it costs to  Challenge  buy more lifetime income  Some...
Question Do you know how longevity affects funding a retirement that may well last Challenge 30 years or longer? Thanks to healthier lifestyles and breakthroughs in medical technology, life expectancy for Americans has increased significantly during the past half-century. While it’s good news that you can expect to live longer in retirement and have a better quality of life, it also means your investment portfolio may need to last for 30 years or more. The average life expectancy for a 55 year old male is 24.3 years. For a 55 year old female it’s 27.8 years. But who’s to say you are average? Retirement planning is not about planning to average life expectancy; it is about planning beyond life expectancy. While most Americans now expect to live longer than previous generations, many have not factored longevity into planning for retirement. Very few people have saved enough money to live their pre-retirement lifestyle for 30 or even 40 years. Solution Source: Planning Recommendations Based On Your Life Expectancy, About.com It is important to understand you have a good chance of living a long time, which means you must have vastly more retirement assets than previous generations. Our Retirement Income Analysis will show you the actions to take to insure you do not outlive your assets — no matter how long you live. Proceed To Question 10 15
Question  Do you know how  longevity affects funding  a retirement that may well last  Challenge  30 years or longer  Than...
Question If you have a retirement shortfall, do you know how big it is and what can be Challenge done about it? A new research report calculates the nation’s retirement shortfall topping $14 trillion. The magnitude of the retirement savings shortfall is staggering. One of the biggest risks to a comfortable retirement is running out of money too soon. With the repercussions of the Great Recession—investment depletions, companies cutting back on pension plans, and a Social Security system in need of revamping—baby boomers and those of younger generations will need to plan adequately to overcome the potential shortfalls of retirement income they once relied on. Given how quickly life expectancies are going up, the risks are only getting greater. Matters are more dreadful still because the low interest rate environment and current return expectations on one’s retirement assets mean that it takes more money than ever to retire comfortably. Solution Source: Ten Tips On How To Readjust After A Retirement Shortfall, by New York Life In our no cost, no obligation Retirement Income Analysis, we will examine your savings and investments, estimate your expenses, take into account your retirement goals, and determine whether you have a retirement surplus or shortfall. If it’s a shortfall, how big is it, and what can be done about it? Proceed To Question 11 16
Question  If you have a  retirement shortfall, do you know how big it is and what can be  Challenge  done about it   A new...
Challenge Question Do you know the proper way (most tax efficient way) to leave a financial legacy to your heirs? You’ve worked hard to accumulate wealth. As you contemplate passing it on to the next generation, keep in mind there’s someone who wants his cut – Uncle Sam. Estate planning is never easy. The mechanics of the process are easy, but require a lot of thought and planning. In a nutshell, estate planning is the ability to pass the assets you’ve accumulated to whom you want, when you want, the way you want in the most tax efficient manner, minimizing estate taxes and probate costs. There is a right way and a wrong way to pass your financial legacy to your heirs. The most recent example of the wrong way is actor James Gandolfini. He died with an estate worth an estimated $70 million, but according to experts, the late “Sopranos” star’s will is a “disaster” that could see over $30 million of his estimated $70 million estate go to the government. Solution Source: I Want To Leave My Money To My Heirs, Not The IRS. Nationwide. Source: James Gandolfini Will A Tax “Disaster”, Daily News, July 5, 2013 In our Retirement Income Analysis, we’ll share with you the most tax efficient ways to pass on your hard earned assets in the most tax efficient way to minimize your estate taxes and probate costs so as not to leave a significant percentage of your estate to the IRS. Proceed To Question 12 17
Challenge  Question  Do you know the  proper way  most tax efficient way  to leave a financial legacy to your heirs  You  ...
Question Challenge Taking everything into account, do you know if your retirement income plan is sustainable? In the good old days, retirement was pretty simple. You worked 30 years, got a pension, and put your money in bonds to make it last. But this isn’t your father’s retirement. Back then, life expectancy was such that people only spent less than a decade in retirement. Today is different. Much different! After working for 30 years, it’s not out of the question to spend another 30 years in retirement. And that, for lots of people, is the big worry. People getting ready for retirement are worried that they won’t be able to save enough to last. And people already in retirement worry they will outlive their nest eggs. People are living longer than ever before, dramatically altering the financial challenges in retirement. Increased longevity is a blessing, but it’s an expensive one, because that translates into the need for a bigger retirement nest egg and access to secure retirement-long income. Solution Source: At Risk Of Outliving Your Retirement Savings? USA Today, July 15, 2013 Will you outlive your money or will your money outlive you? How will you know if your retirement income plan is sustainable? In our Retirement Income Analysis, we take everything into account and we’ll be able to tell you if you’ll be able to make it to the finish line. 18
Question Challenge  Taking everything into account, do you know if your  retirement income plan is sustainable  In the goo...
Retirement Income Analysis Getting A Handle On Retirement Readiness Like Never Before Q:  If you’re going to be retired for 20 to 30 years or longer... Doesn’t it make sense to spend a few minutes NOW to insure your retirement is everything you envision it to be and more? Our no cost, no obligation Retirement Income Analysis consists of 6 steps. Proceed To 6 Steps 19
Retirement Income Analysis Getting A Handle On Retirement Readiness Like Never Before  Q     If you   re going to be retir...
Retirement: What Does It Look Like? In Step 1, we will ask you to articulate the retirement you’ve always envisioned. “When a man retires, his wife gets What does it look like? What are you doing? Where are you doing it? Who are you doing it with? Retirement Planning isn’t just about the money. It’s also about the things money can’t buy. In order to know how much money you’ll need to set aside to retire comfortably, you’ll need to have a feel for your hopes, dreams and goals. Does your vision of retirement include: • Starting a business • Working part-time • Consulting • Moving and/or relocating • Grandchildren’s education • Volunteer work • New hobby twice the husband, but only half the income.” Chi Chi Rodriguez • Playing golf, tennis or fish • Vacation home • Remodeling your home • Travel abroad • Going back to school • Time with kids and grandkids • Leaving an inheritance Once we have a clear understanding of what you envision your retirement to look like, then it’s time for . . . Proceed To Step 2 20
Retirement  What Does It Look Like  In Step 1, we will ask you to articulate the retirement you   ve always envisioned.   ...
Inventory of all Assets, Savings and Investments In Step 2, we will take an inventory of all of your assets, savings and investments. No matter what your situation, one of the first steps is to assemble the key pieces of information needed in creating a sustainable Retirement Income Plan. Included in that inventory are such things as: • 401(k), 403(b) or 457 plan • Insurance / Annuities • Mutual Funds • Real Estate / REIT’s • Investment property • Managed Accounts • Personal Property • Debt Owed To You • IRA’s / Retirement Plans • Stocks / Bonds • CD’s / MM Funds • Checking / Savings • Options / Commodities • Safe Deposit Box • Business Interests • Employer-Sponsored Ret Plans “When a man retires and time is no longer a matter of urgent importance, his colleagues generally present him with a watch.” R.C. Sheriff Once we have a clear understanding of your assets, savings and investments, then it’s time for . . . Proceed To Step 3 21
Inventory of all Assets, Savings and Investments In Step 2, we will take an inventory of all of your assets, savings and i...
Calculate Your Expenses In Retirement In Step 3, we will help you calculate what your expenses will be in retirement. “Retirement at sixty-five is ridiculous. Some expenses may increase in retirement, while others may decrease. There are many questions about your retirement that need to be answered to get a handle on what your expenses will be in retirement. When you plan to retire, where you plan to live, and how you plan to spend your time all will have an impact on how much you’ll need to save to fund the retirement you envision. When I was sixty-five I still had pimples.” George Burns We will focus on: • Housing • Food • Transportation • Clothing / Personal Items • Healthcare • Entertainment • Travel • Misc Expenses Once we have a clear understanding of what your expenses will be in retirement, then it’s time for . . . Proceed To Step 4 22
Calculate Your Expenses In Retirement In Step 3, we will help you calculate what your expenses will be in retirement.     ...
Total Up Income From All Sources In Step 4, we will total up your income from all sources. “When you retire, you switch bosses - from the one who Most working Americans have only one source of steady income: their job. In retirement you are likely to have a patchwork quilt of several income streams. hired you to In creating your Retirement Income Analysis, we will look at all sources of income in retirement including: married you.” • Social Security • Retirement Accounts • Roth Accounts • Pension • Stocks • Mutual Funds • Bonds & Bond Funds • Savings Accounts • Money Market Funds • CD’s • Full & Part Time Work • Rent & Royalties • Inheritance • Annuities • Insurance • Home Equity the one who Gene Perret Once we have a clear understanding of what your income will be in retirement, then it’s time for . . . Proceed To Step 5 23
Total Up Income From All Sources In Step 4, we will total up your income from all sources.     When you retire, you switch...
Surplus or Retirement Shortfall? In Step 5, we will determine if you have a surplus or a retirement shortfall. “Retirement kills more One of the biggest risks to a comfortable retirement is running out of money too soon. In other words…running out of money before you run out of life. After taking everything into account, we will be able to tell you if you’ll be able to make it to the finish line. You’ll know if your retirement income plan is sustainable. people than hard work ever did.” Malcolm Forbes We will help you determine if you have a projected shortfall or surplus at retirement, and if a shortfall, how big. You’ll also know how long your current retirement savings will last. If our Retirement Income Analysis projects a retirement shortfall, you might have to make compromises to reach your goals. Once we have an idea of just how big your retirement shortfall is, then it’s time for . . . Proceed To Step 6 24
Surplus or Retirement Shortfall  In Step 5, we will determine if you have a surplus or a retirement shortfall.     Retirem...
Explore Various Options And Trade Offs In Step 6, depending on how big your retirement shortfall is, we will lay out the various options along with their associated trade offs. “First you “Retirement”. The word used to conjure up images of leisure, travel, golf, new hobbies, or spending time with the grandkids. But today, when people think about their retirement, all they do is worry. If you are projected to have a retirement shortfall, now is the time to address that shortfall while there is still time to make adjustments. You might need to save more, earn a better rate of return, adjust your retirement plans downward, work longer, delay retirement and a whole host of other options. forget names; then you forget faces; then you forget to zip up your fly; and then you forget to unzip your fly.” Branch Rickey We will explain each of your various options that make the most sense along with explaining the various trade offs associated with each one. If you would like to take advantage of our no cost, no obligation, Retirement Income Analysis, simply fill out the next page and fax it. You have nothing to lose, but quite possibly, much to gain. Request Retirement Income Analysis 25
Explore Various Options And Trade Offs In Step 6, depending on how big your retirement shortfall is, we will lay out the v...
Retirement Income Analysis YES Artifex Financial Group Darren Harp, AIF® Doug Kinsey I would like to CFP®, AIFA® Financial Advisors receive a Retirement Income Analysis. My contact information is provided below. NAME PHONE EMAIL 3 Ways To Respond 1 2 Call 855-Plan-Ohio (752-6644) Fax 937-352-0218 3 Email darren.harp@artifexfinancial.com doug.kinsey@artifexfinancial.com 26
Retirement Income Analysis  YES  Artifex Financial Group  Darren Harp, AIF   Doug Kinsey        I would like to  CFP  , AI...
Address Phone Phone: 855-Plan-Ohio (752-6644) Fax: 937-352-0218 Web Financial Advisors Artifex Financial Group Artifex Financial Group The Oakwood Building 2305 Far Hills Avenue, Suite 206 Oakwood, Ohio 45419 www.artifexfinancial.com www.retiredayton.com www.retirecincinnati.com Email Darren Harp, AIF® Doug Kinsey, CFP®, AIFA® darren.harp@artifexfinancial.com doug.kinsey@artifexfinancial.com Legal Disclosure Broker Dealer Disclosure Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. This OnDemand Seminar is designed to provide what we believe is accurate and reliable information with regard to the subject matter covered. The Creative Juice Agency, Inc. is not engaged in rendering legal, accounting, financial or other professional advice. If such advice is required, a competent and qualified professional should be consulted. Trademark Information The 12 Key Questions Every Retiree Must Answer workbook is designed to provide what we believe is accurate and reliable information with regard to the subject matter covered. The Creative Juice Agency, Inc. is not engaged in rendering legal, accounting, financial or other professional advice. If such advice is required, a competent and qualified professional should be consulted. The material contained in 12 Key Questions Every Retiree Must Answer workbook is owned, copyrighted and licensed by The Creative Juice Agency, Inc.® The information contained in The 12 Key Questions workbook may not be distributed, modified, reproduced in whole or in part without the prior written permission of The Creative Juice Agency, Inc. 27
Address Phone  Phone  855-Plan-Ohio  752-6644  Fax  937-352-0218  Web  Financial Advisors Artifex Financial Group  Artifex...