%PDF-1.4 % 5 0 obj [600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600] endobj 7 0 obj << /Length1 1591 /Length2 43579 /Length3 532 /Length 45702 >> stream %!PS-AdobeFont-1.0: Courier 1.05 %%CreationDate: Wed Dec 22 1999 % Copyright (URW)++,Copyright 1999 by (URW)++ Design & Development % (URW)++,Copyright 1999 by (URW)++ Design & Development % See the file COPYING (GNU General Public License) for license conditions. % As a special exception, permission is granted to include this font % program in a Postscript or PDF file that consists of a document that % contains text to be displayed or printed using this font, regardless % of the conditions or license applying to the document itself. 12 dict begin /FontInfo 10 dict dup begin /version (1.05) readonly def /Notice ((URW)++,Copyright 1999 by (URW)++ Design & Development. See the file COPYING (GNU General Public License) for license conditions. As a special exception, permission is granted to include this font program in a Postscript or PDF file that consists of a document that contains text to be displayed or printed using this font, regardless of the conditions or license applying to the document itself.) readonly def /Copyright (Copyright (URW)++,Copyright 1999 by (URW)++ Design & Development) readonly def /FullName (Courier) readonly def /FamilyName (Courier) readonly def /Weight (Regular) readonly def /ItalicAngle 0.0 def /isFixedPitch false def /UnderlinePosition -100 def /UnderlineThickness 50 def end readonly def /FontName /Courier def /PaintType 0 def /WMode 0 def /FontBBox {-12 -237 650 811} readonly def /FontType 1 def /FontMatrix [0.001 0.0 0.0 0.001 0.0 0.0] readonly def /Encoding StandardEncoding def /UniqueID 5020945 def currentdict end currentfile eexec `,i"[[5j5mTʻ^+݄fKitrޟm%9۩*++`[&NfA-O!J"|UY+; <Ԟ2?.P2QhnDtw=y0)n*[ Y]~ ΁RzYi[AXm>j"a\uѐ6ӕ#DPx0z Mt{ƽl\4wWJ0Y) yM.aͨVt*BahdxCē$oULYKdz6WG.&?c+@_@Vgs"ӥyDKP#pb82oY)ǎn?b(%9cxP[EMˢwǔ2u E/܍)/(6ܰ>qPwD?A*ҭ qUFF2f2-D}z'dVmzT镪~,>r xLpp{."B'Qs0""0d{K,}&`eTIGay^/~UQQdqG,`߉کŦ~GE>i+N`WJC(i琍UD5yҌÊ6B 2 (=gWʕSS}P4DS1כ@1 h#dP;̄ tصjvEdeQ+NXjEi nw sVwb?aGxOO^w%eF3q*X%"m'mE*l]e5⧕7ԎVki: ;vn"FZ/[c;Z A0y O16?cULc0@.{ь}u-vM mzmQ w.LXw[)"SEg"Gx)H<-ۧ#nefFHvrɗCȷ}J\I' ]gxݷJdįT"0PRHZ#ҴqTA7Ao\,SmkE(.? ,Q9-/yłz;< UV1=˗+$AsM*Vq-yʹ:ttb]C 4Ϩ =NvyR.ЫN>GN%PMT޷`\NVT}AYXZw oevZiQ/{I{8Ïrܵ_V }=fkgөxuEY=c 9eL5IN=Z5ޝ7` 4=|,&@? بgAA :X:lpMq-/Lj~(;uHPqJ i95V[=|>" ;asQ̀ZѶr{2&DėpRh3YwpsΓ=P[/f'ȕ&f%v||`bkM'Oe({-GmFeVbEp!v{n[gp&?ؑDl3q``wS8,NP8'g/.ZܠMbBwY?-Juџ Ɨ|J#-e &4[xyqF<_iVoqx@UKɐ'!n )5n#C*h.Co>ۋjjKaPvPjCM]j+L_j YKUiq#'37cgeZnKP[S8"6*]+Pȕ)'Z"T 18t`uc%fhRcKXDǓ(l/q b ƞ1mi1.e=pV)k&R&Hǒx c|Mu-bWq-<2ӑxr@t̐+9 }6lwm ,][#ǷÝbM'ܖSSGڀ#_mLb[pV͌mK=lZc6/./WX181o<H>ՋgzY$>ɩHhUHmbt&"';o{^g0%>AXY¾oA[l>dImbz΃H9:ߢ\i\<(@ l2SY\M p˚-{s/Ym PQ4bDp2LCc_1 oTLR,B=F'UzP+%tG7Zc5:[LCi1w80gӬ(9be>,_A\v-.[w(љE:g)[ &j6< (U5WP4G8-H_hu9 MUj߱Y5ѣoDʚTaMFq1 za -ſӞ Ƽ,l:t!`Ĥ˪-m aM~L TPQ30!S6[&Ɖ,Oɛ8CrzhO5%7 1gmT:n=X1سR5(oaրdj& B,a6~mJ ߢUFϲ*}nXg Fߴwb"GvTK;k8_ ti+.%IՇR)`#. yLyAPQ^ðXWCq> ln $Tw6qʣdAU}ͮ4aGTSյ8m!gIOsljOHܟ4wʖ )l-\*ټB>(ܓSRhT;Eq~lIy5(^uDFCZRPz'[d*uإ@8 -rM ks2gU (U/o,eUߩxj)"Ҷ.f] G#|+ u?HW0taFjߌ@OҴᥝhp['x;_&4PЛ= c72V\?=lŌ'+(A6Y$-itz&-b6JnB+yb\06YH5TJ @7M~R,#d'tzai}wv6{/~8e4aiS̶ ",rIyp(($t}a4%!jdc>+0G9 10ȫ3g5{cV^W)E) `x1je VArÀP$s **_fF$IH]d :e.z8Wp`mG9gyW/{*\{K p}7`<'.Ή.jŇ=WYK9xB˳3`|r.]<9M ƔV)jR7R n`i55 +}"J8'@%뵐48qЕj|EfZk>Hf)+y GԔp `d v貲 YLI,%ܧt 'DJ Ǭ` n{l֮m [D'Q&@Nņ07ZG'^W`ku놠^wMnC ?~pt#Ϡ^K"Du.K3~2mu#[X:C K-ő .KqKU!ξbKTxX0v/.4\`&HvZgaYw8n!#O{)Z[Y`$(Q96ޚ%׆L:+B1w !ӎ>F#'D߉o hرNuS:rQ{QOiRa M%1[ydE=J\5r)1aí9զ.x82!bs-8 5waF#ӿ-T>|YphzRܓD`ȐC[4!' wثj0+JD~ell]![B/qmi'swJ9 B NLݜ%DƍN2u,\RˆWFo V5DaqdYz(Knp55P&'q{f+Ω{*5#]lV\` Q[% kbJK~2"/{]OUNMz8bct۔"T riTNt9(pq叴}KyWrZ+ ; 8Aԃg_lfƝ3MwՆ>֣ d L#6kO-J1{V@ٵ}\wuݬAD8zBVI2S7o6tPZE#\TTrB>>o fn3z ]:JEZ2zcR"1% `g)ܨ/øRQriTX/ s>2O|0}V 2p1-Ѩ^H\#PݘQ-o4K,z$1nCtB;C$s~ٕӈ$b&+sg8\Y|~G`;)7Xne7I8 Sw7̅83g7Tf&ÙcU_˙r IMPZcuQUt_{AUks?uϝ\YyvO0n$yAƟ?XqANFc:_x[Ne"Ff傱nϪ8;]L6ƬU|b;@SGm6V$8CYRwdz^ MULW {j (Eݪ~ۓc20k֑K.b;=vOHƻ`rC&v*D{ij>U} oE~`nYτ%6_~TɢWыJ,n uõO_N9, :@(˲m)xcUz>a~/E"y&shRڔDZӕFRρ,GɞP䈞Eu_9bt g7=gͧ,Р}!N wI- SeJ#ʵ(,z6dݬ_}d"$ӊbdDo3K8цi'AMeHFޓ3+nd-`2ys)M9me$H\[BV^YǸraLTccM")e )EoYsX`P^V%lsUVOeCQ.ZV&ߝ0J@.Be_ԃ˻mBlG!?چz 6ip(ί>C߳GjlQ1 mRR/r`fqrt@˜*dMށ=. ]U IgY).FCb׏2B=qTi8h(` ۜYSNz{ ZBj+Xk!V|H9 BLBܷD#$N(it@$6h!$Ѹ) AH'Z%zzɀX>zeeWdRpND4.ǔW$4~5%qapm]۲3ӛٚTXЃ0U,< T:b.p2;o93Po 7^ac>.܄ֈwܣHb倛Д- 1۷ĴF ^ i,GUzWż|ddV@pw(zb"ߑ&-grn"RC4G _XF-sQ'LסnKKh,86ʃ8IpF "Ag/%Nd3T(qEAFJHUBPeɲ@ogVNsYT93" O6q? 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See the file COPYING (GNU General Public License) for license conditions. As a special exception, permission is granted to include this font program in a Postscript or PDF file that consists of a document that contains text to be displayed or printed using this font, regardless of the conditions or license applying to the document itself.) readonly def /Copyright (Copyright (URW)++,Copyright 1999 by (URW)++ Design & Development) readonly def /FullName (Times Roman) readonly def /FamilyName (Times Roman) readonly def /Weight (Regular) readonly def /ItalicAngle 0.0 def /isFixedPitch false def /UnderlinePosition -100 def /UnderlineThickness 50 def end readonly def /FontName /Times-Roman def /PaintType 0 def /WMode 0 def /FontBBox {-168 -281 1000 924} readonly def /FontType 1 def /FontMatrix [0.001 0.0 0.0 0.001 0.0 0.0] readonly def /Encoding StandardEncoding def /UniqueID 5020931 def currentdict end currentfile eexec `,i"[[5j5mTʻ^+݄fKitrޟm%9۩*++`[&NfA-O!J"|UY+; <Ԟ2?.P2QhnDtw=y0)n*[ Y]~ ΁RzYi[AXm>mܘ4<Л1"%}ƛg)n+f]riZO uDnH1I QD23naVhR=DRG1a]L$6콗T|DŶ'{9?; 44Y;UF78ʄ5tQqw,FΆEy|"ǎx7mp(poj1'cKKߑhgB5lŶݷ@]/'E;h2 )Lwbq UC*=Iam C 7 7 Aq^[iZUVv#@{@AARqS\M HSm-?_xn+*H0V׊.\ q8|թȧ!(ѝ:MJIpc&$a3'ZQ;Pw~5> <>3MRAȔd$J_GkDAbDm J|Jl8E0ڮ)ӗ8KZƍb4#szVQlaB*y%ЬaGke]uwQ߿;~tl3BR^ [x%( gWH|ia&0i+bqx;~E^LLb?l7@REz  DNH=͹,i1Zo2^meߜ٣.=:;϶]FЊ`gVa;=^v 9H6 S@$>d CRV3ɛuy}T~$ #% a}9Nx|C{ePN(/F !]&$ bq+Y^n1#% N |,(X9 |lg] RѨǸ)&tQ%Z~ꪃiU Ss0~3)VxA7͜iD 4!YO^%4߬}KU@3GLut3k̜vPzq}_|pRXIt{?@(WO:İ1GC UmhmQ<[H0 )EsMrpgςG+5XBkK^ٝ䄭HD W}!kf>Ax檔;{s.'ǏW׺-`Yq)2B-s{evwS՞k?Bꬴoov8j 77&sK[M2{qO3ߥ>V OGr;]8Q ɴ &;i>2TCنT պؙL65)쥝W92ب7H'kՇ/xE$^&4U)PamxEpc9ݻEɜe6l(:klL\+j(}+*lD2~{;AiKp ch-gpq}eR8`I՚#,;L=ȝxSV?io퉽P| }>BBĭ˰0jK,`xgYt̠3(`Mo,+ؒn)^B 8\DS{"ՉvX>8V,+Sz[V=6SR4j7š?1@ʕ?Mo#6×rNgScć{f! 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See the file COPYING (GNU General Public License) for license conditions. As a special exception, permission is granted to include this font program in a Postscript or PDF file that consists of a document that contains text to be displayed or printed using this font, regardless of the conditions or license applying to the document itself.) readonly def /Copyright (Copyright (URW)++,Copyright 1999 by (URW)++ Design & Development) readonly def /FullName (Times Roman Bold) readonly def /FamilyName (Times Roman) readonly def /Weight (Bold) readonly def /ItalicAngle 0.0 def /isFixedPitch false def /UnderlinePosition -100 def /UnderlineThickness 50 def end readonly def /FontName /Times-Bold def /PaintType 0 def /WMode 0 def /FontBBox {-168 -341 1000 960} readonly def /FontType 1 def /FontMatrix [0.001 0.0 0.0 0.001 0.0 0.0] readonly def /Encoding StandardEncoding def /UniqueID 5020933 def currentdict end currentfile eexec `,i"[[5j5mTʻ^+݄fKitrޟm%9۩*++`[&NfA-O!J"|UY+; <Ԟ2?.P2QhnDtw=y0)n*[ Y]~ ΁RzYi[AXm>m$Jin`hf$:Y< kx\M y~r0gZb %f%;kցƹ GTN}fRz낇O lӼ2_񑆺͟Q)@dSX%Pd@eYہ~9+2ցwA-"͡nLZ Œh큡AIfW#^g0w4=l]I"m^8&1y)"nsmu4/2a %rOlܱG@ao <]0dQо(zOhY yx]?C~~N=9ď/wcg" IWgÒęAevsj18-셒kvpUXgt˗dW;3%_QqC6CW11 4/hVv;r ,IKSg K!ۢJV;q#رzlּ7ة'N5^΍ůc97SW.:daSs_)}`YY[쥅ί>jf7Ҏy08)!HT$ȐP}do4bO:)uB3.uvbf3$K5T/#щRnmbwƒ7V?--4ODN^et0.׺tm݉OFDT)G;,G`j:z:eȝ`͵a+1S:HˎlINaL0TV*̡Cmށ-LOVIGLw?qv'g;kSg $iy·: )HիVJH 3$)f(BWH0b,ҬW.*:QAG璻  a= @V8`}tjV>%s׽Z:AܝoEz75Z!WAZ˸f*M!g"rjGX5K m^" ~Yauʔ[Yl@5Pjث<&/+$òm %~KU C>w(GǹlZ`xBdn&fٺ-2qgVxc?Xi1mG'k^wehUÊҖ'sT'vZ=. 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See the file COPYING (GNU General Public License) for license conditions. As a special exception, permission is granted to include this font program in a Postscript or PDF file that consists of a document that contains text to be displayed or printed using this font, regardless of the conditions or license applying to the document itself.) readonly def /Copyright (Copyright (URW)++,Copyright 1999 by (URW)++ Design & Development) readonly def /FullName (Helvetica) readonly def /FamilyName (Helvetica) readonly def /Weight (Regular) readonly def /ItalicAngle 0.0 def /isFixedPitch false def /UnderlinePosition -151 def /UnderlineThickness 50 def end readonly def /FontName /Helvetica def /PaintType 0 def /WMode 0 def /FontBBox {-174 -285 1001 953} readonly def /FontType 1 def /FontMatrix [0.001 0.0 0.0 0.001 0.0 0.0] readonly def /Encoding StandardEncoding def /UniqueID 5020902 def currentdict end currentfile eexec `,i"[[5j5mTʻ^+݄fKitrޟm%9۩*++`[&NfA-O!J"|UY+; <Ԟ2?.P2QhnDtw=y0)n*[ Y]~ ΁RzYi[AXm>nc5+\3v,I5L:vL$l۬:s" aS㘧Ĝ;@QcIzL6kGy姽򱠧 裳ZfcY 0@\d"CK# ْ:ˣntsgAhx/R e'R>{q¹ñ'XJ<2u_l1H5GoqAjL.=1@눒u:lN:ݶoWoO)zX&wf\RsR7Np¢_[ d+m)f4dIm4b})yVE[ C1 +Ny<:Pa 4cfϤl4cÄchhUnߔDJ,kMjȍr6qtLAc$3TQ2ˑ2xgt7QlFx 3A4IF;@4i]=UW2}_SE img@H K,|zlmr+EiP~W439 >P*UzlW?gf^bU:8bnsBγ;Ldb;x+[D*@d?깙i~ӽZ䖆c&Cٛp3ڀDOɮhra.j3%*QΩ=ͽpx P)x;\: CevT ??GHBo*18) 80.#`lY!d;0uTeAr9Xh:m@O '̂ytnn h ۘ@mbF- LRPͨ26af!.;B*; GP'K(wʞ?Y h ^f(9Ė^}OçzǏ€_F25f rƮvm,Gy%M͐䠉q>f]7^pCQz4c#P񦸶WMNaύte·j;h쌞]XQ_@쒓۷D[m9). )C:<:(*ao x3p1rPa|0͉RT^󀕍I ( n+!c@YSsU#;dw |m7&tafV/ڻaŗWEUqZ^Y+u ].#i}, }Q$H`Dկ\,. i+*N;SDDŽ;HvFκ֒F*-o|AƊ&z]m!M tGok.5[Nɗcw5`{|}Iͩ*⤟Τ: sŘ2}` :&{Z;uUb Kw+V7S >\͈E ^OߚiG-x @faF%SUFX,.q2Szb co#OK3S{d}q@o9/ukp#"肥g) 5jh9򕜧5"Sv'\_F7E y[;N`=!1QK_9&Gww 87eSxZQ̒D"sq4'ٯiAoQ Q*{|J;v!hTҘ? 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As a special exception, permission is granted to include this font program in a Postscript or PDF file that consists of a document that contains text to be displayed or printed using this font, regardless of the conditions or license applying to the document itself.) readonly def /Copyright (Copyright (URW)++,Copyright 1999 by (URW)++ Design & Development) readonly def /FullName (Helvetica Bold) readonly def /FamilyName (Helvetica) readonly def /Weight (Bold) readonly def /ItalicAngle 0.0 def /isFixedPitch false def /UnderlinePosition -155 def /UnderlineThickness 69 def end readonly def /FontName /Helvetica-Bold def /PaintType 0 def /WMode 0 def /FontBBox {-173 -307 1003 949} readonly def /FontType 1 def /FontMatrix [0.001 0.0 0.0 0.001 0.0 0.0] readonly def /Encoding StandardEncoding def /UniqueID 5020904 def currentdict end currentfile eexec `,i"[[5j5mTʻ^+݄fKitrޟm%9۩*++`[&NfA-O!J"|UY+; <Ԟ2?.P2QhnDtw=y0)n*[ Y]~ ΁RzYi[AXm>ne壷hm65tL=7By#mcwW{ͪƴˑG8nq.!^1&:K4!}UqR[Ѿ'n_ϣA{z / QΨ6ykwbQ\e@Lo"ǀ*ƃW0KDTZ~C25<+cvnH%׃^׋ (6Sc|>T +ƄO#^-Q:N0r&fש .4k wȢ2ɚfSLj-@? gO bFP'xxхϖhIL"V$GMڡG|hzg!6dTk- Md^C66(@`{9 E,|ZsoDepr{7['dH0=$>zF}Hf ), ѹy^z x󀋇X,v5Z`zJΤL[^ی Wt|Rkm^,\C;ѕQ u{Oxgjw NS wzTdkSlu&DJRW"̮HGAsO =hd ;;4fHOI$8i漜X ygf nqWWŔ^쾀0z6^?d[':H.k}uUH Ƅ&Y-c}p9wX=HA]-2K =;tUҒfI&V?R=("N X&@@ Pbr?G/ĊItT\waWdL$©Å\_*ۡxO|Q 3%2C @ĺLv<# GZzlgZQND`I$;6 {8xv~yYntTd- -jqNZn8LxU_Z]GDV }cGk{^aF/aVƩxl y\Lk_ k &3$FjP!P\E[8]voPЍ]b1;jBiL9`툻EЏCXf ,Q`Rp9S < "\@P/=?b'D4,-N(6{܀8Bw =jmPa69-9로ݱ xl_PG~ݙmȏ_<@w>}vc0XLEd:ym.u8q '儍} r:"I̲l;Ίc{)cd'z#9P=;7],"*\ۻCTy07rk$C)g5^Ɔ&?Y"s,y߯m0I5A(~mjoGʍqL:em>˷pFoDq 'v;DҴ{NiL # ?ae3\.$BďFJ5-K?ϲ|(vx;*&8|l5k@lıS:^iR٩T;zHt#Ѫ./`FCӛm_Ё+)c۟^L/o_nސXCFۖSVV' ZKJSVZ 2/D`Hwh?(_Faj5az5 ;_1UV7 cNRXXUJF7:MːIObsO}x-mO:5d%9IDHb.k?_R1 Ue[?86Fl=o:*\$30mM6P}AlՉ?42LD?5͖9'1JDn#4࡛tUKo+y<Ż_E!v Tp) '~u&c8n9FG1?mI/};ϴZRy>hqE'3G/B' aёitNj>*rjn'ޕu{]s;?mxSjG17iԏW7u,:ɪ#0g8MVv;D&Jr! π1+ [C9E)tн@'\>DP1lbW87~9YeO#E"1Xu)c5Jk'X&TuI8eTMF`FVqx p\(9A9#SD]Y҆)]*!J;1 \d!bTe&IA;\J& z_KuNB|X5d|Fq~j Zc!q.,IsqdtR LZM۵hEId(Jʓm NܱR~px1a֮0OinUg*ùc4I:u#H. 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Namely, that there are some issues that simple math and time will not)Tj 0 -13.2 Td 0.051 Tc(necessarily resolve. If you are near retirement or have retired, listed below are several common mistakes that occur)Tj 0 -13.2 Td 0.071 Tc(in the arena of financial planning for retirement that you can plan now to avoid. 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But advances in medical science have pushed those ages up at)Tj 0 -13.2 Td 0.010 Tc(least fifteen to twenty years. Realistic financial planning for seniors should probably assume that at least one spouse)Tj 0 -13.2 Td 0.156 Tc(will live to age 90 or beyond.)Tj /F4 8 Tf 133.93 3 Td(1)Tj /F4 11 Tf 4.156 -3 Td( To make sure your money lasts, you may need to annuitize your assets to create a)Tj -138.086 -13.2 Td 0.000 Tc(sufficient income \(explained later\).)Tj 0 -26.4 Td 0.319 Tc( Are you thinking that you\200ll be able to retire when you want? In financial planning for retirement, many)Tj 0 -13.2 Td 0.117 Tc(workers plan on working into their 70s\201until illness, disability, or mere fatigue forces them to reconsider. If you)Tj 0 -13.2 Td 0.351 Tc(plan on working past the normal retirement age, do not count on the extra money earned to pay for essential)Tj 0 -13.2 Td 0.183 Tc(expenses. Sound financial planning for senior years would have you save a sufficient nest egg by age 65 in case)Tj 0 -13.2 Td 0.000 Tc(health reasons prohibit you from working longer.)Tj /F5 11 Tf 0 -26.4 Td 0.080 Tc(Neglecting to adequately factor in health care costs:)Tj /F4 11 Tf ( Failure to do this can be disastrous, especially if long-term)Tj 0 -13.2 Td 0.153 Tc(care treatment is needed. And don\200t count on the government to pick up the bill for you either. Make certain that)Tj 0 -13.2 Td 0.176 Tc(your health coverage is adequate and that you have a plan to cover other elder care needs. This is the #1 error in)Tj 0 -13.2 Td 0.018 Tc(financial planning for seniors, as it\200s estimated that half of the bankruptcy in the US is caused by health failures and)Tj 0 -13.2 Td 0.000 Tc(the accompanying costs.)Tj /F4 8 Tf 107.844 3 Td(2)Tj /F5 11 Tf -107.844 -29.4 Td 0.258 Tc(Settling for low returns:)Tj /F4 11 Tf ( Don\200t let your fear of risking principal leave you with a guarantee of running out of)Tj 0 -13.2 Td 0.280 Tc(money prematurely. Sensible asset allocation may lower the risks of investing, including the chance that your)Tj 0 -13.2 Td 0.182 Tc(money will not grow enough to meet your needs. Although asset allocation may reduce risk, it does not insure a)Tj 0 -13.2 Td 0.029 Tc(profit or guarantee against loss. But if you insist on keeping money in three month CDs and T-bills as many seniors)Tj 0 -13.2 Td 0.029 Tc(do, your earnings will be so low that you increase the likelihood of running out of money. Sound financial planning)Tj 0 -13.2 Td 0.131 Tc(for seniors means that your investment horizon should match your actuarial life expectancy. In simple English, if)Tj 0 -13.2 Td 0.063 Tc(you are age 70 with an expected life expectancy of 16 more years, your investment portfolio should be constructed)Tj 0 -13.2 Td 0.000 Tc(to serve you for 16 years, not 6 months.)Tj /F5 11 Tf 0 -26.4 Td 0.178 Tc(Failure to monitor or control your distribution rate:)Tj /F4 11 Tf ( Your financial advisor should be able to run some basic)Tj 0 -13.2 Td 0.034 Tc(calculations based on the size and allocation of your portfolio that show a safe rate of withdrawal. A general rule of)Tj 0 -13.2 Td 0.206 Tc(thumb is somewhere between three and five percent per year, depending on your portfolio\200s allocation between)Tj 0 -13.2 Td 0.114 Tc(equity and fixed income investments. We have seen some financial planning disasters when people spend beyond)Tj 0 -13.2 Td 0.000 Tc(this level.)Tj /F5 11 Tf 0 -26.4 Td 0.076 Tc(Refusing to get a fresh perspective:)Tj /F4 11 Tf ( No matter how effective your advisor or plan is, getting a second opinion on)Tj 0 -13.2 Td 0.196 Tc(it will never hurt. Different advisors have different areas of expertise, such as taxes or mutual funds. Therefore,)Tj 0 -13.2 Td 0.000 Tc(having a different set of eyes review your situation may provide insights that you would otherwise miss.)Tj /F4 9 Tf 105.021 -24.4 Td(The following articles provide guidance on ways to potentially address these issues.)Tj /F4 6 Tf -105.021 -74.553 Td(1)Tj /F4 9 Tf 3 -3 Td( For a married couple where both have reached age 65, there is a 39% chance that at least one will live to age 90)Tj -3 -12.8 Td(https://www.kitces.com/joint-life-expectancy-and-mortality-calculator/ visited 1/3/21)Tj /F4 6 Tf 0 -8.2 Td(2)Tj /F4 9 Tf 3 -5 Td( National Bankruptcy Forum "Medical debt is a big problem in the United States. 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Retirement financial planning, however, is focused on these different)Tj 0 -13.2 Td 0.273 Tc(objectives: maintaining an adequate income without salary or wages, maximizing pension and social security,)Tj 0 -13.2 Td 0.000 Tc(having adequate health and long-term care protection and minimizing financial risk.)Tj 0 -26.4 Td 0.080 Tc( You can\200t know for sure if you have adequate resources until you do some number work. If you find this nitty)Tj 0 -13.2 Td 0.000 Tc(gritty retirement financial planning stretching your patience, then hire a retirement planner.)Tj /F5 11 Tf 0 -26.4 Td(Here are the steps:)Tj /F4 11 Tf 16.565 -27.906 Td 0.143 Tc(1. Estimate your retirement spending needs: housing \(including new furniture and updating\), food \(including)Tj 0 -13.2 Td 0.375 Tc(dining out\), insurance \(including long-term care\), personal expenses, vacations, entertainment, utilities,)Tj 0 -13.2 Td 0.093 Tc(transportation, taxes \(income and property\), etc. Add to this list anything that applies to your desired lifestyle.)Tj 0 -13.2 Td 0.031 Tc(Add up the total and now you know how much you need, which is Step 1 of your retirement financial planning.)Tj -0 -13.2 Td 0.000 Tc(Let\200s say this figure is $50,000.)Tj 0 -23.741 Td 0.414 Tc(2. Next, you want to see how much you have and create a retirement income plan. Add your sources of)Tj 0 -13.2 Td 0.118 Tc(retirement income including social security, pensions, and annuities. An example follows but please note that)Tj -0 -13.2 Td 0.334 Tc(the illustration is hypothetical and not indicative of the performance of any particular product. From any)Tj 0 -13.2 Td 0.045 Tc(savings such as IRAs and 401k and other investment accounts, assume a withdrawal rate of 5%. So if you have)Tj 0 -13.2 Td 0.046 Tc(a nest egg of $500,000, assume that you can take 5% annually and the nest egg should be fairly safe at least for)Tj 0 -13.2 Td 0.000 Tc(30 years.)Tj /F4 8 Tf 39.71 3 Td(3)Tj /F4 11 Tf -39.71 -29.753 Td 0.086 Tc(Note that just to maintain your standard of living, you need to always leave some earnings behind in your nest)Tj 0 -13.2 Td 0.107 Tc(egg to account for inflation. An item that costs you $10,000 this year will cost you $10,300 next year. Even if)Tj 0 -13.2 Td 0.256 Tc(you don\200t care about having anything left and want to spend more, you don\200t have much wiggle room. For)Tj 0 -13.2 Td 0.466 Tc(example, if your nest egg were to earn a constant 6% annually and you withdraw 8% annually of your)Tj 0 -13.2 Td 0.036 Tc(beginning balance, you exhaust the fund in 24 years \(online calculator from CalcXML https://bit.ly/2XDhPJE\).)Tj 0 -13.2 Td 0.071 Tc(You could easily outlive your money and that\200s why it\200s important to stick to the retirement financial planning)Tj 0 -13.2 Td 0.000 Tc(5% rule)Tj -0 -23.741 Td 0.342 Tc(3. Compare your total sources of income from Step 2 and your expenses from Step 1. If you have excess)Tj 0 -13.2 Td 0.000 Tc(income, congratulations - you\200ve done good retirement planning.)Tj 0 -23.741 Td(4. If you have a deficiency, you have a few options:)Tj -0 -13.2 Td( \202 Adjust your lifestyle and spend less.)Tj 0 -13.2 Td( \202 Maintain your lifestyle, but move to a less expensive area of the country or out of the country.)Tj -0 -13.2 Td( \202 Work part time in retirement.)Tj 0 -13.2 Td( \202 Retire later - by working a couple more years, a $500,000 nest egg growing at 6% accumulates an)Tj -0 -13.2 Td(additional $61,000 \(6% x $500,000 compounded for 2 years = $61,000 Texas Instruments BA 54 or any)Tj 0 -13.2 Td(financial calculator\). That additional principal provides an additional $3,050 of spending money annually)Tj 0 -13.2 Td(\(assuming 5% annual retirement return x 61,000\).)Tj -16.565 -27.906 Td 0.001 Tc( Note that later in life, say at age 75, you may switch your strategy and decide to "annuitize" some of your assets)Tj 0 -13.2 Td 0.035 Tc(- i.e. spend them down to zero and give yourself more income today. One way to annuitize your assets is with a life)Tj 0 -13.2 Td 0.000 Tc(annuity, as payments will last as long as you do. \(Get details from your financial or insurance advisor\).)Tj /F4 6 Tf 0 -22.153 Td(3)Tj /F4 9 Tf 3 -3 Td( Trinity Study: Sustainable Withdrawal Rates From Your Retirement Portfolio; Philip L. Cooley, Carl M. Hubbard and Daniel T. Walz 1998,)Tj -3 -10.8 Td(updated 2018 https://bit.ly/2MY0Yiz visited 1/3/21)Tj /F8 11 Tf 252.942 -28.058 Td(5)Tj ET Q endstream endobj 70 0 obj << /Type /XObject /Subtype /Image /Width 816 /Height 1056 /BitsPerComponent 8 /ColorSpace /DeviceGray /Filter /FlateDecode /Length 71 0 R >> stream xwɶ7|6!؄! iCdm VV y=>_INlVkΠԲTUjW @Ʀ{} nb/ )f\]E$즲Yh01T*Kvjхʲ,i6" @jr0fVseS~6[PyV" @`v)la L\pբN즯3g,~Hnn.G,~錑la/ ɻcT/ g삡>7ӨwAtcޥE"7MEtiwAsǟPc3M4%G@`xZ<izD?wuu}zy#S׵ ׻L*  O.YS%ie2kIIt eZw9NBTi=|`I{Rz ٔ\@he) @^2K=¸Ou=zxd,ol*ݺ`ie2FCܕѮ]2@^r<.8ܵK]&B _.'Ntq#]d^LS|%,/.vzHRhgL5 t`q:c25߇yddH ?O )wh*꒱.;EBs4Vtɘֻl5ۑN];@ /TdAiCSt04-ջw-:(R5l aie~j4Z;  %?W꒵]27jr Ȃ4hTq!@s{i8.9cTFA(䍇mNSN7``p d^)LD,2 ũw({q00X܉KNsQr:ʕo6c)VU2Q09E"EX.8U˒2L$ze".đ3#|ĉ.6 Q=nsQr2.`(,LԻdD`zzsQcH>BFr( (QX.Θ/apՕ9ұn\6@OaU6KM]B]`Ի..0Ba&9Ӕ`߶I$!0O$@*7ĝt6] %0$qdzz"`!Eqz&C6 ïw@t4{> ]bz8à`G0wu> ]z?01IwSPJ$]P&X|I?ROT@Xl.H$CrCO,a;cwyzà剫[v#χA $ʳjv^GzH,Iɹѩ=.(OkzaPr35.E0H$C"J+fҨ I+g s2ͩJ>!fdI5.uk.\x[H9}W i6avwE|=W0ܴrs;H &\/@OfZ9Ul>= ~D˖ʓ9ٔ.0pf2pPx-tl&@H= ^6@o@=D 4jQh09gZy` wzSy^g @ŒL\7&Eu0`t.0wIQ7L2 1xۮ9c$H*J^ܙGYs2|HS}k$$!An^[ &(jKy>9zGxyza-l3ʓݻh^Grϕ0E7/W^,h0ϫ}NCw af͍f'j0˜Am/ǎiIG F&J g0/4 A#b"M'\$A%H+/\D@*R&^Zs/RzCVcwۗk蒫Fnk 0xn#vl.TAj I<5qy- 7l޸#J+{#CC7j}sT0+N6*W>ۍk؏ۅlptCh.W^_o6CV*uw粓Q*XXXU~a 6YԔY.Mlq&\=)v*Kt`i!Ũ#d KiݑԨuVv ͈#!h..X0MT ęyEGB1wQWw{03SUv@m (Q ]P~fRj"$^t`Bd?'LտV"aD0G#;o_IP 寍a?&$”?cRWz}YLE 6Vxw;`s Q ~#FK?N,5g#4ؚ4|dZ`h.4rvUY0pEz1D' &r&4\BtI*5ȴh2\S&gRYƟ*!f;"̣gh|tl.\6vaBχI)μ E Nۭ =&.blWXr;..ڋQv=|T.Xh$rn=|TD[w>L*MqP]gŌ`گޥoIa29z|T ֻW$c%>yfcjex.StJ-R|D}4JzWX]:h3a)ڮi:&ڨwyʽ]䰬q Iv=0F|=4>uU|RzVQ2W -Q(q 0ieV*K֧~3s!?^g 0iޥ]wCW22Z0N AQsI.;'H])`<[ :4tB4A=L\mԻoG݊Rqo Qni|MWie/l5*"L_Z/##\T'd[ N;qI>F|L)xuz!+VbmP+o_Q2WeO5$~ڵ+>̐_TVnQ2ܖ[]doYFFFr=L-»mԻ5 IeR.Z 0}-Lu Q2ܫG*h.}0eR=΍0Ԣ˻nF\%]H™00gja>g?F&.9$mԻźصK&o8#.YƿO(mN\ngj%]хWBz WuljY0M2CŭFeAy[04 EVC肱KOT3Y(rr Yƽu 6vys"18.5FIv-.PEַcmfuإFſ-D} vwTs~߻sva368k@N"]\z|"ƛ{Ѣ:}K0O>H`mᯝEG|Pw ^edevagA`-H$Y&SRV.<#EƾsS03,0 y"ݿjh*¤ef.N[>6´]b@CkK\[~䔉dvaRgX%GN"YH^ZХ mF$On=L|Aim ֻ1)?T7wS*pJ49î{edwc0l [*o/«w)12c*T©e͍s?JrzYFy~Ky H)>hndzӭäWgzOЅs }:Eo*o*D}3ä 4k`'Aq0 on&}iOS~Q1HfN }ZڭICBaQmcSEԭ6Zt\_s/D=2~ڭIQZ9Yїv|xӔ"Of dno&uutk1~ w;VqɿDͷ[>ÊW!пҿNuM ᷞ(''M%X䟬 0ieS0Xu/}7e,˂WMOK50"7]ENT,D{ß})|e5J5Cedrf>Qn=dS} X|Wk1l7~b:2OȖzujIU580s ij.Wc_W.;~Q}:J,Y`f%0>7z+  %oCC,CIYߞ8gw#>9|w4~b%o(>weW̙cěg_W#9."r.#|`rrydhhz+ >@/?F3fm ]&Fƫ% O+СEW @UCzL1!S=d ayD%?| .ܴ2uS,c߅ݕ顡]haj1DpQ0BH$w w_?Yp֩SFi? 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For example, if a retiree has income of)Tj 0 -13.2 Td 0.054 Tc($50,000 annually, and $30,000 comes from social security and employer pension, the retiree controls less than half)Tj 0 -13.2 Td 0.263 Tc(of his retirement income \203 making those sources somewhat useless to discuss. So let\200s focus on the sources of)Tj 0 -13.2 Td 0.000 Tc(retirement income you can control and how to boost them.)Tj 0 -26.4 Td( Let\200s work up the ladder of rates that you can get from guaranteed retirement income sources.)Tj /F5 11 Tf 0 -26.4 Td 0.003 Tc(Bank Certificates of Deposit:)Tj /F4 11 Tf ( Terms from three months to five years. Generally, the longer the term, the higher the)Tj 0 -13.2 Td 0.144 Tc(rate. Interest is available monthly for a guaranteed retirement income or can compound. A one year CD is .9% at)Tj 0 -13.2 Td 0.091 Tc(the highest paying bank as of 1/3/21.)Tj /F4 8 Tf 165.591 3 Td(5)Tj /F4 11 Tf 4.091 -3 Td( After inflation and taxes, you actually lose money. Therefore, holding large)Tj -169.681 -13.2 Td 0.000 Tc(sums for long periods in CDs is financially foolish.)Tj /F5 11 Tf 0 -26.4 Td 0.169 Tc(Annuities:)Tj /F4 11 Tf ( Guaranteed by the issuing insurance company, safest companies rated AAA by Standard and Poor\200s.)Tj 0 -13.2 Td 0.415 Tc(Large companies like Prudential and New York Life actually lent money to the US Government during the)Tj 0 -13.2 Td 0.197 Tc(depression. Use deferred annuities \(paying 2.50%\))Tj /F4 8 Tf 232.348 3 Td( 6)Tj /F4 11 Tf 6.394 -3 Td( if you don\200t need the income or immediate annuities if you)Tj -238.742 -13.2 Td 0.033 Tc(need the income. A 70-year-old male can get $560/month for life on a $100,000 deposit \(equal to 6.7% annual cash)Tj 0 -13.2 Td 0.365 Tc(on cash return\))Tj /F4 8 Tf 71.448 3 Td( 7.)Tj /F4 11 Tf 9.094 -3 Td( Payments end at death and nothing is left. Some immediate annuities provide a feature for)Tj -80.542 -13.2 Td 0.000 Tc(payments to heirs in case of early death, but the monthly payments will be less.)Tj 0 -26.4 Td(The above paragraph describes an immediate annuity\201a one-time payment of a premium to an insurance company.)Tj 0 -13.2 Td(In return, you receive payments for a specified term or for life. Under the life option, payments cease when you die.)Tj 0 -13.2 Td(Note that immediate annuities may have fees or commutation charges and generally cannot be surrendered for)Tj 0 -13.2 Td(value. Payments you receive are subject to IRS ruleswhich consider each payment part principal and part interest.)Tj 0 -13.2 Td(The payments are guaranteed by and subject to the claims-paying ability of the issuing insurance company.)Tj /F5 11 Tf 0 -26.4 Td 0.064 Tc(Federally Backed Mortgage Notes:)Tj /F4 11 Tf ( Although you\200ve heard a lot in the news about Fannie Mae and Freddie Mac,)Tj 0 -13.2 Td 0.179 Tc(the US government has backed their securities 100% \203 giving them AAA safety. The same goes for Ginnie Mae)Tj 0 -13.2 Td 0.171 Tc(Securities. Your money is loaned for mortgages, and the government agency guarantees your investment \203 at 15)Tj 0 -13.2 Td 0.205 Tc(years, rates approximate 2.3%.)Tj /F4 8 Tf 141.791 3 Td(8)Tj /F4 11 Tf 4.205 -3 Td( Actual term is uncertain as people can pay off their mortgages early. 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These senior insurances are detailed below, and the failure to have any of these)Tj 0 -13.2 Td 0.000 Tc(protections could be the difference between a comfortable retirement and years of heartache.)Tj /F5 11 Tf 0 -26.4 Td(Life Insurance:)Tj /F4 11 Tf ( While the common reason to get life insurance is to replace income for the family should we die)Tj 0 -13.2 Td(and our income stops, seniors or retirees are not dependent on their labor for income. Therefore, it seems that senior)Tj 0 -13.2 Td(life insurance would be superfluous. But life insurance for seniors has other uses to solve other problems, such as)Tj 0 -13.2 Td(providing liquidity at death for a surviving spouse, ease of estate settlement and division, creating a pool of money)Tj 0 -13.2 Td(for special needs \203 to create an estate and to pay estate taxes.)Tj /F5 11 Tf 0 -26.4 Td(Health Insurance:)Tj /F4 11 Tf ( No one should go without health insurance. However, senior health insurance is different in that)Tj 0 -13.2 Td(private insurance is required in combination with government coverage. A typical senior health insurance program)Tj 0 -13.2 Td(would include Medicare to cover 80% of health care costs and private insurance, or Medigap coverage, to cover the)Tj 0 -13.2 Td(other 20%.)Tj /F5 11 Tf 0 -26.4 Td(Funeral Insurance \(burial insurance\):)Tj /F4 11 Tf ( While it\200s true that a funeral can easily cost $20,000, most people of any)Tj 0 -13.2 Td(means have the financial resources to cover their funeral, so special insurance may not be necessary. However, it is)Tj 0 -13.2 Td(an excellent idea to have a funeral program structured so that your heirs don\200t need to take on this burden at their)Tj 0 -13.2 Td(greatest time of grief. It could make sense to combine your funeral arrangements with funeral insurance as a)Tj 0 -13.2 Td(package that relieves heirs of all financial and funeral planning concerns.)Tj /F5 11 Tf 0 -26.4 Td(Long-term Care Insurance:)Tj /F4 11 Tf ( Typically, in our working years, we have disability insurance to provide income in)Tj 0 -13.2 Td(the event of our disability. Since we are no longer working in our retirement, it\200s wise to obtain long-term care)Tj 0 -13.2 Td(insurance in the event of disability due to age. Long-term care insurance policies provide income to cover the extra)Tj 0 -13.2 Td(expenses for the help you need for shopping, cleaning, cooking, bathing, dressing, driving and getting round.)Tj 0 -26.4 Td 0.064 Tc( As you can see, there are many types of senior insurance issues that apply specifically to retirees past 65 years)Tj 0 -13.2 Td 0.000 Tc(of age.)Tj /F8 11 Tf 252.942 -297 Td(8)Tj ET Q endstream endobj 94 0 obj << /Type /XObject /Subtype /Image /Width 816 /Height 1056 /BitsPerComponent 8 /ColorSpace /DeviceGray /Filter /FlateDecode /Length 95 0 R >> stream xwɶ7|6!؄! iCdm VV y=>_INlVkΠԲTUjW @Ʀ{} nb/ )f\]E$즲Yh01T*Kvjхʲ,i6" @jr0fVseS~6[PyV" @`v)la L\pբN즯3g,~Hnn.G,~錑la/ ɻcT/ g삡>7ӨwAtcޥE"7MEtiwAsǟPc3M4%G@`xZ<izD?wuu}zy#S׵ ׻L*  O.YS%ie2kIIt eZw9NBTi=|`I{Rz ٔ\@he) @^2K=¸Ou=zxd,ol*ݺ`ie2FCܕѮ]2@^r<.8ܵK]&B _.'Ntq#]d^LS|%,/.vzHRhgL5 t`q:c25߇yddH ?O )wh*꒱.;EBs4Vtɘֻl5ۑN];@ /TdAiCSt04-ջw-:(R5l aie~j4Z;  %?W꒵]27jr Ȃ4hTq!@s{i8.9cTFA(䍇mNSN7``p d^)LD,2 ũw({q00X܉KNsQr:ʕo6c)VU2Q09E"EX.8U˒2L$ze".đ3#|ĉ.6 Q=nsQr2.`(,LԻdD`zzsQcH>BFr( (QX.Θ/apՕ9ұn\6@OaU6KM]B]`Ի..0Ba&9Ӕ`߶I$!0O$@*7ĝt6] %0$qdzz"`!Eqz&C6 ïw@t4{> ]bz8à`G0wu> ]z?01IwSPJ$]P&X|I?ROT@Xl.H$CrCO,a;cwyzà剫[v#χA $ʳjv^GzH,Iɹѩ=.(OkzaPr35.E0H$C"J+fҨ I+g s2ͩJ>!fdI5.uk.\x[H9}W i6avwE|=W0ܴrs;H &\/@OfZ9Ul>= ~D˖ʓ9ٔ.0pf2pPx-tl&@H= ^6@o@=D 4jQh09gZy` wzSy^g @ŒL\7&Eu0`t.0wIQ7L2 1xۮ9c$H*J^ܙGYs2|HS}k$$!An^[ &(jKy>9zGxyza-l3ʓݻh^Grϕ0E7/W^,h0ϫ}NCw af͍f'j0˜Am/ǎiIG F&J g0/4 A#b"M'\$A%H+/\D@*R&^Zs/RzCVcwۗk蒫Fnk 0xn#vl.TAj I<5qy- 7l޸#J+{#CC7j}sT0+N6*W>ۍk؏ۅlptCh.W^_o6CV*uw粓Q*XXXU~a 6YԔY.Mlq&\=)v*Kt`i!Ũ#d KiݑԨuVv ͈#!h..X0MT ęyEGB1wQWw{03SUv@m (Q ]P~fRj"$^t`Bd?'LտV"aD0G#;o_IP 寍a?&$”?cRWz}YLE 6Vxw;`s Q ~#FK?N,5g#4ؚ4|dZ`h.4rvUY0pEz1D' &r&4\BtI*5ȴh2\S&gRYƟ*!f;"̣gh|tl.\6vaBχI)μ E Nۭ =&.blWXr;..ڋQv=|T.Xh$rn=|TD[w>L*MqP]gŌ`گޥoIa29z|T ֻW$c%>yfcjex.StJ-R|D}4JzWX]:h3a)ڮi:&ڨwyʽ]䰬q Iv=0F|=4>uU|RzVQ2W -Q(q 0ieV*K֧~3s!?^g 0iޥ]wCW22Z0N AQsI.;'H])`<[ :4tB4A=L\mԻoG݊Rqo Qni|MWie/l5*"L_Z/##\T'd[ N;qI>F|L)xuz!+VbmP+o_Q2WeO5$~ڵ+>̐_TVnQ2ܖ[]doYFFFr=L-»mԻ5 IeR.Z 0}-Lu Q2ܫG*h.}0eR=΍0Ԣ˻nF\%]H™00gja>g?F&.9$mԻźصK&o8#.YƿO(mN\ngj%]хWBz WuljY0M2CŭFeAy[04 EVC肱KOT3Y(rr Yƽu 6vys"18.5FIv-.PEַcmfuإFſ-D} vwTs~߻sva368k@N"]\z|"ƛ{Ѣ:}K0O>H`mᯝEG|Pw ^edevagA`-H$Y&SRV.<#EƾsS03,0 y"ݿjh*¤ef.N[>6´]b@CkK\[~䔉dvaRgX%GN"YH^ZХ mF$On=L|Aim ֻ1)?T7wS*pJ49î{edwc0l [*o/«w)12c*T©e͍s?JrzYFy~Ky H)>hndzӭäWgzOЅs }:Eo*o*D}3ä 4k`'Aq0 on&}iOS~Q1HfN }ZڭICBaQmcSEԭ6Zt\_s/D=2~ڭIQZ9Yїv|xӔ"Of dno&uutk1~ w;VqɿDͷ[>ÊW!пҿNuM ᷞ(''M%X䟬 0ieS0Xu/}7e,˂WMOK50"7]ENT,D{ß})|e5J5Cedrf>Qn=dS} X|Wk1l7~b:2OȖzujIU580s ij.Wc_W.;~Q}:J,Y`f%0>7z+  %oCC,CIYߞ8gw#>9|w4~b%o(>weW̙cěg_W#9."r.#|`rrydhhz+ >@/?F3fm ]&Fƫ% O+СEW @UCzL1!S=d ayD%?| .ܴ2uS,c߅ݕ顡]haj1DpQ0BH$w w_?Yp֩SFi? 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There are several considerations for a comfortable)Tj 0 -13.2 Td 0.217 Tc(retirement experience in addition to a financial retirement plan. These considerations extend to where you live,)Tj 0 -13.2 Td 0.088 Tc(housing options, and healthcare quality and choices. Most importantly, what activities will you do in retirement to)Tj 0 -13.2 Td 0.000 Tc(stay mentally and physically fit? Here\200s a short list of considerations to add to your retirement checklist.)Tj /F5 11 Tf 0 -26.4 Td(Healthcare Needs for a Healthy Retirement Experience)Tj /F4 11 Tf 36 -26.4 Td(Do you have insurance that will cover catastrophes?)Tj -11 0 Td(1. )Tj 11 -13.2 Td(Do you live in proximity to medical specialists you may need to consult?)Tj -11 0 Td(2. )Tj 11 -13.2 Td(Is your HMO or health plan available where you plan to have a second home or move?)Tj -11 0 Td(3. )Tj 11 -13.2 Td(If you plan to travel outside of the US, does your health plan cover you?)Tj -11 0 Td(4. )Tj 11 -13.2 Td(Do you have long-term care insurance? \(Don\200t make the mistake of thinking that Medicare pays.\))Tj -11 0 Td(5. )Tj /F5 11 Tf -25 -26.4 Td(Retirement and Moving Your Residence)Tj /F4 11 Tf 36 -26.4 Td(What are the tax rates in the new community\201property taxes, state income taxes, state sales tax \203 and do)Tj -0 -13.2 Td(they tax retirement income and social security income differently than other income?)Tj -11 13.2 Td(1. )Tj 11 -26.4 Td(If you reach an age where you cannot drive, will the public transit take you to your favorite places?)Tj -11 0 Td(2. )Tj 11 -13.2 Td(Is the climate satisfactory in all months? How about allergy months \(e.g. spring time\)?)Tj -11 0 Td(3. )Tj 11 -13.2 Td(Is there an adequate selection of senior housing complexes, assisted living facilities and nursing homes and)Tj 0 -13.2 Td(what is the cost?)Tj -11 13.2 Td(4. )Tj 11 -26.4 Td(Is there an active population of retirees in the new area and people you can befriend?)Tj -11 0 Td(5. )Tj /F5 11 Tf -25 -26.4 Td(Retirement income structure)Tj /F4 11 Tf 36 -26.4 Td(Does one spouse have a pension that ends upon death? Your retirement consultant can show you how to)Tj 0 -13.2 Td(possibly replace that income.)Tj -11 13.2 Td(1. )Tj 11 -26.4 Td(If both spouses are eligible for Social Security income, there may be ways to maximize the benefit\201check)Tj 0 -13.2 Td(with a retirement planner.)Tj -11 13.2 Td(2. )Tj /F5 11 Tf -25 -39.6 Td(Estate planning)Tj /F4 11 Tf 0 -26.4 Td 0.009 Tc( Estate planning is not just for the rich. It is for anyone that cares about their heirs. In fact, most aspects of estate)Tj 0 -13.2 Td 0.000 Tc(planning basics have little to do with money.)Tj 0 -26.4 Td 0.120 Tc( Estate planning basics do address the eventual and economical distribution of your possessions and authority)Tj 0 -13.2 Td 0.064 Tc(but more importantly, how you take care of your loved ones. Many of you may think you don\200t have an estate plan)Tj 0 -13.2 Td 0.125 Tc(\203 but you do! Federal and state rules will determine who gets what and how much, and how you will be treated if)Tj 0 -13.2 Td 0.000 Tc(you become very ill. If not prepared with basic estate planning knowledge, it costs money and heartache.)Tj 0 -26.4 Td 0.184 Tc( Putting your estate in order can be complex. It depends on how many assets you have, where they are, your)Tj 0 -13.2 Td 0.211 Tc(family structure \203 children, divorced and previous children, state laws \203 and more. 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In it, state how)Tj 0 -13.2 Td 0.210 Tc(property in your name should be distributed, name an executor to be in charge of carrying out your wishes, and)Tj 0 -13.2 Td 0.161 Tc(provide for payments of costs incurred in settling your estate. And for your minor children, designate a guardian)Tj 0 -13.2 Td 0.044 Tc(and name a trustee to protect their inheritances. One estate planning basic is to use a trust in place of a will because)Tj 0 -13.2 Td 0.191 Tc(it maintains privacy and avoids court involvement in the settlement of your estate. Additionally, trusts typically)Tj 0 -13.2 Td 0.251 Tc(contain conservatorship provisions. If you should lose your mental capacity in your old age, do you want your)Tj 0 -13.2 Td 0.145 Tc(family to be in court about your care, or would you rather have a written plan in advance? Estate planning basics)Tj 0 -13.2 Td 0.000 Tc(call for planning ahead.)Tj 0 -26.4 Td 0.014 Tc( Your Durable Power of Attorney gives someone else permission to manage your affairs if you become disabled)Tj 0 -13.2 Td 0.037 Tc(or incapacitated. With it, as soon as you become incapacitated, your designated person, i.e. your spouse, adult child)Tj 0 -13.2 Td 0.264 Tc(or anyone you trust, can manage \(pay bills, make decisions\) your affairs or you can restrict that power to only)Tj 0 -13.2 Td 0.364 Tc(particular assets or accounts. Don\200t wait! You can\200t create a durable power of attorney once you\200ve become)Tj 0 -13.2 Td 0.000 Tc(incompetent.)Tj 0 -26.4 Td 0.277 Tc( Your Living Will \203 expresses your wishes to your doctors when they must consider use of life-sustaining)Tj 0 -13.2 Td 0.185 Tc(measures. This is your declaration on what life-sustaining medical treatments you will \(or will not\) allow if you)Tj 0 -13.2 Td 0.266 Tc(become incapacitated. For example, you may request that artificial nourishment be \(or not be\) withheld if you)Tj 0 -13.2 Td 0.005 Tc(become terminally ill. You may recall the Mary Schiavo case on this issue which became a national news story only)Tj 0 -13.2 Td 0.000 Tc(because these estate planning basics were ignored.)Tj 0 -26.4 Td 0.197 Tc( A Medical Durable Power of Attorney \(or health care proxy\) is a crucial and basic estate planning tool that)Tj 0 -13.2 Td 0.139 Tc(designates someone to make health care decisions on your behalf in the event you no longer can. It\200s a document)Tj 0 -13.2 Td 0.013 Tc(that gives a person you designate permission to make health care decisions on your behalf if you are unable to do so)Tj 0 -13.2 Td 0.020 Tc(in the future, and perhaps, consistent with your living will. Talk to the person before appointing him, and be sure he)Tj 0 -13.2 Td 0.010 Tc(or she understands and is comfortable with your wishes, and is strong enough to carry them out despite some family)Tj 0 -13.2 Td 0.000 Tc(members\200 objections.)Tj 0 -26.4 Td 0.541 Tc( Seek professional help in planning your estate \203 consistent with your state laws and your particular)Tj 0 -13.2 Td 0.366 Tc(circumstances. No one will tell you about the estate planning basics. 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See the file COPYING (GNU General Public License) for license conditions. As a special exception, permission is granted to include this font program in a Postscript or PDF file that consists of a document that contains text to be displayed or printed using this font, regardless of the conditions or license applying to the document itself.) readonly def /Copyright (Copyright URW Software, Copyright 1997 by URW) readonly def /FullName (Symbol) readonly def /FamilyName (Symbol) readonly def /Weight (Regular) readonly def /ItalicAngle 0.0 def /isFixedPitch false def /UnderlinePosition -229 def /UnderlineThickness 46 def end readonly def /FontName /Symbol def /PaintType 0 def /WMode 0 def /FontBBox {-180 -293 1090 1010} readonly def /FontType 1 def /FontMatrix [0.001 0.0 0.0 0.001 0.0 0.0] readonly def /Encoding 256 array 0 1 255 {1 index exch /.notdef put} for dup 32 /space put dup 33 /exclam put dup 34 /universal put dup 35 /numbersign put dup 36 /existential put dup 37 /percent put dup 38 /ampersand put dup 39 /suchthat put dup 40 /parenleft put dup 41 /parenright put dup 42 /asteriskmath put dup 43 /plus put dup 44 /comma put dup 45 /minus put dup 46 /period put dup 47 /slash put dup 48 /zero put dup 49 /one put dup 50 /two put dup 51 /three put dup 52 /four put dup 53 /five put dup 54 /six put dup 55 /seven put dup 56 /eight put dup 57 /nine put dup 58 /colon put dup 59 /semicolon put dup 60 /less put dup 61 /equal put dup 62 /greater put dup 63 /question put dup 64 /congruent put dup 65 /Alpha put dup 66 /Beta put dup 67 /Chi put dup 68 /Delta put dup 69 /Epsilon put dup 70 /Phi put dup 71 /Gamma put dup 72 /Eta put dup 73 /Iota put dup 74 /theta1 put dup 75 /Kappa put dup 76 /Lambda put dup 77 /Mu put dup 78 /Nu put dup 79 /Omicron put dup 80 /Pi put dup 81 /Theta put dup 82 /Rho put dup 83 /Sigma put dup 84 /Tau put dup 85 /Upsilon put dup 86 /sigma1 put dup 87 /Omega put dup 88 /Xi put dup 89 /Psi put dup 90 /Zeta put dup 91 /bracketleft put dup 92 /therefore put dup 93 /bracketright put dup 94 /perpendicular put dup 95 /underscore put dup 96 /radicalex put dup 97 /alpha put dup 98 /beta put dup 99 /chi put dup 100 /delta put dup 101 /epsilon put dup 102 /phi put dup 103 /gamma put dup 104 /eta put dup 105 /iota put dup 106 /phi1 put dup 107 /kappa put dup 108 /lambda put dup 109 /mu put dup 110 /nu put dup 111 /omicron put dup 112 /pi put dup 113 /theta put dup 114 /rho put dup 115 /sigma put dup 116 /tau put dup 117 /upsilon put dup 118 /omega1 put dup 119 /omega put dup 120 /xi put dup 121 /psi put dup 122 /zeta put dup 123 /braceleft put dup 124 /bar put dup 125 /braceright put dup 126 /similar put dup 161 /Upsilon1 put dup 160 /Euro put dup 162 /minute put dup 163 /lessequal put dup 164 /fraction put dup 165 /infinity put dup 166 /florin put dup 167 /club put dup 168 /diamond put dup 169 /heart put dup 170 /spade put dup 171 /arrowboth put dup 172 /arrowleft put dup 173 /arrowup put dup 174 /arrowright put dup 175 /arrowdown put dup 176 /degree put dup 177 /plusminus put dup 178 /second put dup 179 /greaterequal put dup 180 /multiply put dup 181 /proportional put dup 182 /partialdiff put dup 183 /bullet put dup 184 /divide put dup 185 /notequal put dup 186 /equivalence put dup 187 /approxequal put dup 188 /ellipsis put dup 189 /arrowvertex put dup 190 /arrowhorizex put dup 191 /carriagereturn put dup 192 /aleph put dup 193 /Ifraktur put dup 194 /Rfraktur put dup 195 /weierstrass put dup 196 /circlemultiply put dup 197 /circleplus put dup 198 /emptyset put dup 199 /intersection put dup 200 /union put dup 201 /propersuperset put dup 202 /reflexsuperset put dup 203 /notsubset put dup 204 /propersubset put dup 205 /reflexsubset put dup 206 /element put dup 207 /notelement put dup 208 /angle put dup 209 /gradient put dup 210 /registerserif put dup 211 /copyrightserif put dup 212 /trademarkserif put dup 213 /product put dup 214 /radical put dup 215 /dotmath put dup 216 /logicalnot put dup 217 /logicaland put dup 218 /logicalor put dup 219 /arrowdblboth put dup 220 /arrowdblleft put dup 221 /arrowdblup put dup 222 /arrowdblright put dup 223 /arrowdbldown put dup 224 /lozenge put dup 225 /angleleft put dup 226 /registersans put dup 227 /copyrightsans put dup 228 /trademarksans put dup 229 /summation put dup 230 /parenlefttp put dup 231 /parenleftex put dup 232 /parenleftbt put dup 233 /bracketlefttp put dup 234 /bracketleftex put dup 235 /bracketleftbt put dup 236 /bracelefttp put dup 237 /braceleftmid put dup 238 /braceleftbt put dup 239 /braceex put dup 241 /angleright put dup 242 /integral put dup 243 /integraltp put dup 244 /integralex put dup 245 /integralbt put dup 246 /parenrighttp put dup 247 /parenrightex put dup 248 /parenrightbt put dup 249 /bracketrighttp put dup 250 /bracketrightex put dup 251 /bracketrightbt put dup 252 /bracerighttp put dup 253 /bracerightmid put dup 254 /bracerightbt put readonly def /UniqueID 5021339 def currentdict end currentfile eexec `,i"[[5j5mTʻ^+݄fKitrޟm%9۩*++`[&NfA-O!J"|UY+; <Ԟ2?.P2QhnDtw=y0)n*[ Y]~ ΁RzYi[AXmv$zq }V]- l8 QЇ ʜ5R+ rMMdjM x0}"UC¡u#vL"BX=#ejˆ_5.T=1ݜ(pIŊ@sabY ZD򺽖7FMf>A/ <r:Z/$3Qdt:J8Awv#4Hw<.bLw[hrD,HImT˅}.Wȏ@(Cs/i/ kq3vajir2@}^|)Xb( Y*Q0b(vT%p/7p= 1k6yŅW&:e/oj-d}8'TZ!uN@:)b ?TN^\w$txƖF,טj\5iu׺Fhowrw>g/jǫVQws.{*7'rAX?Д\Do|Ã#蕸tds܏{iud@[0UfuiÚQ4#r֝/[)%UZ ݤXu, 6pVl)! 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He has advised retirees of IBM, AT&T, Chevron, and General Electric. First)Tj 0 -13.2 Td 0.098 Tc(Name Last Name is a junior partner with Mid America Financial Services and an expert in)Tj 0 -13.2 Td 0.000 Tc(helping retirees preserve their assets and increase their income.)Tj -0 -26.4 Td 0.365 Tc(Bob graduated from Colgate University in 1972 after some undergraduate work at the)Tj 0 -13.2 Td 0.079 Tc(University of Chicago. After initial coursework at George Mason University, he received a)Tj -0 -13.2 Td 0.152 Tc(master's degree from Western Illinois University in 1996. He also holds a master's degree)Tj 0 -13.2 Td 0.091 Tc(from Christian Bible College in Rocky Mount, North Carolina. To avoid the most frequent)Tj -104.871 -13.2 Td 0.000 Tc(ways that many retirees ruin their finances, do not miss one of Charlotte's best speakers. 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Most of our clients are age 60+ and most are retired. 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