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Fullerton Financial Guide

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ARE YO U R E A DY To Retire F U L L E RTO N F P C O M Where Retirement Dreams Begin

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You ve Dreamed About Retirement BUT HAVE YOU PREPARED FOR IT Something that seemed so far away when you started your first job is suddenly right around the corner You ve dreamed about it and you ve fantasized about the days when your time can truly be your own But now as retirement is coming faster with the close of each workday are you ready If you re like many of the people who come see us you may have some doubts about whether you re prepared to leave your steady paycheck behind Or maybe you just want reassurance that your current strategy is leading you where you want to go That s why we re here At Fullerton Financial Planning we believe everyone should be able to live the retirement they ve always wanted Your financial situation is different than that of your parents your neighbors and even your closest friends so a cookie cutter approach isn t going to cut it We can work with you to create a retirement strategy that fits your unique retirement needs a strategy designed to get you to your goals When you have concerns about things like how long your money will last or what will happen if you pass away before your spouse we can help you answer those questions too Maybe it s been a while since you ve thoroughly reviewed your bank statements investments insurance policies and other accounts Or maybe you have all your information ready to go but you just aren t sure where to begin Whether we re your first step or just a second set of eyes we want to help you have the retirement you ve always imagined BUILD YOUR IDEAL RETIREMENT TODAY

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Can Your Strategy Endure the Unexpected For most Americans retirement is the largest financial undertaking they will ever take on While Americans typically spend an average of 278 000 on a house 245 000 raising a child and 83 000 on a college education the cost of retirement clocks in at over 700 000 1 to retire at age 65 your assets will need to last about 20 years or more if you surpass the national average Your lifestyle also impacts how much you need for retirement Who would blame you for wanting to enjoy the fruits of your career by traveling to new places spoiling your grandkids or purchasing that house on the beach you and your spouse have dreamed about All of this adds to the amount of money you ll need to live comfortably But preparing for retirement isn t always a matter of saving enough Sometimes it s a question of how the markets perform As it turns out the stock market isn t always steady Did you know that market losses can impact That 700 000 figure is just a starting point your portfolio values more than gains Health care costs can drive that number up Did you know for example that the national For example if you invested 100 000 into an average cost of an assisted living facility is investment that experienced a 20 percent loss 45 000 a year 2 you would lose 20 000 The account value on your next statement assuming there are no Longevity also is a factor A man reaching age other losses or gains would be 80 000 65 today can expect to live on average until age 84 while a woman the same age can expect to live almost 87 years 3 So if you plan 1 Merrill Lynch 2017 Finances in Retirement New Challenges New Solutions A Merrill Lynch Retirement Study conducted in partnership with Age Wave Page 7 Accessed Jan 11 2018 Genworth Financial 2017 Compare Long Term Care Costs Across the United States https www genworth com about us industryexpertise cost of care html Accessed Jan 11 2018 2 3 Social Security Administration Benefits Planner Life Expectancy https www ssa gov planners lifeexpectancy html Accessed Jan 11 2018

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Pop quiz Answer No Because you are starting from a lower value you will need a 25 For you to get your statement balance back to 100 000 would a 20 percent gain in one year be sufficient percent return the following year to fully recoup Lets crunch the numbers retirement nest egg That s why we help our your loss It s simple math And that math is a notable example of why you probably shouldn t rely on the stock market alone to fund your clients think through their options including 80 000 x 20 16 000 insurance products like annuities that can create guaranteed income in order to build a customtailored financial strategy that supports their retirement vision There are so many things out of our control and the economy is a key example But while outside circumstances are uncertain the power to prepare is in our hands 80 000 16 000 And preparation begins with a plan 96 000 This is a hypothetical example that demonstrates a mathematical principle It does not illustrate any specific investment product and is not an indication of past or future results Annuities are insurance contracts designed for retirement or other long term needs They provide guarantees of principal and credited interest subject to surrender charges Annuity guarantees and protections are backed by the financial strength and claims paying ability of the issuing insurance carrier Investing involves risk which includes the potential loss of principal

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Let s make a plan For Your Future At Fullerton Financial Planning we have a three step process for building a financial strategy that gives you a firm foundation for pursuing your goals 1 Discover Schedule a meeting to sit down with us and discover what your ideal retirement looks like 2 Evaluate Using our Fullerton Financial Planning Process we ll examine your current financial situation and determine your retirement income needs 3 Plan Receive a custom strategy designed to help you reach your unique retirement goals The result A tailor made financial strategy you can feel confident about because the main thing we want you to worry about in retirement is how to use your time

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What s Next Are you ready to take control of your retirement We bet you have some questions about us and how we can help put you on the path to the lifestyle you want Take the next step by scheduling a time to meet with us There s no pressure just time for you to get to know us and get your questions answered Don t spend more time wondering about whether you re ready to retire Prepare now so you can look forward to the years ahead with confidence You deserve a GREAT retirement Call us at 623 974 0300 to take the first step

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Corporate Office 14155 N 83rd Ave Suite 144 Peoria AZ 85381 Phone 1 623 974 0300 Phone 2 877 323 8777 Fax 623 974 0330 Info fullertonfp com Tempe Office 600 E Rio Salado Pkwy Suite 102 Tempe AZ 85281 www fullertonfp com We are an independent nancial services rm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives Fullerton Financial Planning does not provide tax or legal advice Consult with your tax or legal professional prior to making any nancial decisions for your personal situation Investment advisory services offered through Kingdom Financial Group LLC an SEC Registered Investment Advisor AE05189215C