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CHARTING A COURSE

A G U I D E TO 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
PRESENTED BY:

WES MOSS, CFP

WES MOSS, CFP


Chief Investment Strategist CAPITAL 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 clients 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!

Written Financial Plan

Monitor & Review Your Progress

Risk Planning

Successful Retirement
Fill Buckets Accumulation

Bucket Approach

Written Financial Plan

ASSIGN INVESTMENT GOALS


Post-Retirement (Phase II)
Distribution
Current income NO savings Lack of recovery time

Pre-Retirement (Phase I)
Accumulation
Long-term growth Consistent savings Time to recover

Written Financial Plan

MAPPING THE ROUTE TO YOUR DESTINATION


Retirement ?
Pay for Kids College? Career Change? Possible IRA Rollover Home Purchase Generally biggest investment Generally 2nd biggest investment Increased Savings Years Post kids college, generally mid-50s

Emergency Cash Savings 3-6 months fixed expenses

Today

Risk Planning

UNDERSTANDING RISK/REWARD

Cash

Income

Growth

HIGH

LOW
Cash

Income

Growth

Accumulation

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

Bucket Approach

YOUR BUCKETS

Cash

Income

Growth

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

YOUR BUCKETS

Cash

Income

Growth

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

Monitor & Review Your Progress

MANAGE YOUR ALLOCATION PHASE I


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

MANAGE YOUR ALLOCATION PHASE 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
Insert Your Own Timely Data
7 6 5 Returns 4 Bonds Cash Stocks

3
2

1
0

Year 1

Year 2

Year 3

Year 4

SUCCESSFUL RETIREMENT
Assess what phases of the investment cycle you have accomplished

If youre ready to move forward, you can visit Fidelity, Schwab, Vanguard, or [insert firm name] for help.
Dont feel comfortable working alone? Visit www.napfa.org to locate a Fee-Only Advisor in your area. Wes Moss, CFP Chief Investment Strategist Capital Investment Advisors, Inc. 200 Sandy Springs Place, Suite 300 Atlanta, GA 30328 404-531-0018 www.yourwealth.com

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