ࡱ> @=sNS!|vqMh]>jxY]hU>wvb~JBc [Sk$-ThS d%Ijim& 4 BVREP|_Hɧ"ZPsf={w&;4ν9=ν NFX)_Z:b} U`\`PwjCDa jg}lGQٶ=eCۚ͗C)e=b{:S/J;JCPT"P(cPxkkkM;*c`;J g5:]_FbH>ӊ|Sa8p ^{i96M_ygt1 ?G!QqtyI"w l~B~J-5bU *S]~z5u"$u]-\;8J_֋c*oesYf'ۮd&OK+:w%5+kr:b%URTQ)ht:]䓰rPsWj7յ}NI'HN6Rd.0Q$rkll*o5[ *~Wfgٰ_67 %saɰװ5g 3a?a6ӆ}ڰg' afG '4IbFρgc lz~D֙\[K֖BE#fQX1mFI*wͽaF4nw=ǭW>(.pqPvbEKS=-.ꃎ=:v7⭙.o}\ZNA׺WOćKɽG" 5mc(IH^k54L##TX^Ecw>׈F0<kmm%~r9[ +6al0{N8jt_xna6+rOw:9ro/%uJ~{,"Y=\kdro/!u7<ޟQ˽Wh. 5,ǑLMO eպu:~s'JlVe%-pq7yނ =.3u(]wq] 7 ĸ_ZWSwB`2ـ]bO0D@ {{ vB݌끽;  5EVH'7 MC\.W C#GzQm]`Zga#<"?9{(ICU$o2zI V G|5u2Ð3] =DE~\;Yő{<`:y NY8'N<8Kܟa޾T! zbnWcz=ɜd({pD|fNV)߷טV)ߴ9MX|k]!\'5xC`y_e>Jkzv:3|o+̷wy0+Lyï~? _zyRޣGW e|S_a @=tt4e@RT]>xY]hU>wvXC!4iMk]dMniЈ4 M@V*JRIj|KV[<ԂK}cԾBE-sfΙ{g&;tN8s9ss(x Ivi *< ~0;f菁qQA ?LQ(|(qn7XHX(v 0nDaW)۰ѓˮ+Lfթ$V/"xW=xo;뫫(-czcW\c#+Erխ#)xM۵z%Gq&tOΌoO!'-GԛطCľ}k @ʳ)S9}(5sA]\KF7qgQ2/gQ;s^\ոۓ=![EBykTv®u; H@.GC5^Tcj\]F)+k$D^WP_pWP[R&̕u@;B%|^-;_u!)'O'T\M (95|Frwqwka{Ekף0_tֿK؟KjHR(9TXCEYD%[Hm^5C.w5iKFmGa&ܭ={$#an(JNk)_p q^ۼi\M(KH6!Ϧ}ϳtȳtȳtȳtȳtvȳtVȳt6ȳtȳg;Y?϶~PFI~µ~\2׬Ep$;Ƨ3~=d+5݅5'!aOzާ [ng>wW}w>}`ƾؿv(2>WCaT}`_jSPؽUc2IP{N3!t(tjm`q c+ӎ}jS/~U'[yU'[OZ_ywWZ&r{ncorF99^={1{^v3{rc)'z<2nz/1C7f|MG?GcQKW&sXw3$n(_3>_/J`mv,ql9r_C%pT M?WT=H?[gJ;W)_FkV}w{ySs˻fҾy7O/h(z.  P C  Chart MSGraph.Chart.80*Microsoft Graph Chart1 Chart MSGraph.Chart.80*Microsoft Graph Chart/ 00DArialNew Roman88` 0DTahomaew Roman88` 0 DWingdingsRoman88` 00DTimes New Roman88` 0 A .  @n?" dd@  @@`` =S+     C 1a"y$-&(5*)+ - /0123456789:;<=>?@ABCDE/X"$sNS!|vqM"$tt4e@RT 0AA@ff@8woO ʚ;lf8ʚ;g4mdmdؖ 0ppp@ <4ddddw 08< <4!d!dx 0880___PPT10 ?  %   The Importance of Planning Some people think that retirement planning isn t important because they won t live until retirement. Consider& >g  Not only will the vast majority of us live to reach retirement at age 65, but with advances in medical technology, we can also expect to live a substantial number of years after retirement. Consider... . (   ,If You Wait& You Lose! "L The eighth wonder of the world is compound interest. -- Albert Einstein Delaying retirement savings can keep you from realizing your retirement dreams! *PJ  T     /0 !"#$ % & ' ( )*+,-.   0` fy`ff3` Mj*333FV*` ffNNt^X` ffNL|>rL` +T3f3f` MMMff3f` Lx[he2` {$$` MMMf3f>?" dd@,?nAd@    @ `  n?" dd@   @@``PR    @ ` ` p>> @$(    6 " `P  T Click to edit Master title style! !$  0 " `  RClick to edit Master text styles Second level Third level Fourth level Fifth level!     S  6 #" `^ `  Z*  6 #" `^   \*  6l  #" `^ `  \*n  Bvd޽h @ ?#" @` MMMf3f80___PPT10. ` Textured  0 wP(    < #" `   T Click to edit Master title style! !  0 " `    W#Click to edit Master subtitle style$ $  6؋ #" `^ `  Z*  6 #" `^   \*  6@ #" `^ `  \*n  Bvd޽h @ ?#" @` MMMf3f80___PPT10. ` 0 zr (    0  B   P*    0)  yB  R*  d  c $ ?r U    0   J  RClick to edit Master text styles Second level Third level Fourth level Fifth level!     S  60 -   P*    6h  y-  R*  H  0xl= ? 3380___PPT10.Op/ 0 QI0(  00 0 <J "`0P0 xPreparing for Your Retirement& A Retirement Planning Review "=;q 0 0N P 0D<4___PPT9 E 2008 VSA, LP Valid only if used prior to January 1, 2009. The information, general principles and conclusions presented in this report are subject to local, state and federal laws and regulations, court cases and any revisions of same. While every care has been taken in the preparation of this report, neither VSA, L.P. nor The National Underwriter is engaged in providing legal, accounting, financial or other professional services. This report should not be used as a substitute for the professional advice of an attorney, accountant, or other qualified professional. N(nC( " D H 0 0޽h ? +T3f3f80___PPT10.p 0 (  v  H||||"`@p  Life insurance and annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. All contract guarantees are based on the claims-paying ability of the issuing insurance company. Consult with your licensed financial representative on how specific life insurance or annuity contracts may work for you in your particular situation. Your licensed financial representative will also provide you with costs and complete details about specific life insurance or annuity contracts recommended to meet your specific needs and financial objectives. Before purchasing a variable life insurance or variable annuity contract, carefully consider the contract and the underlying funds' investment objectives, risks, charges and expenses. Both the contract prospectus and the underlying fund prospectuses contain information relating to investment objectives, risks, charges and expenses, as well as other important information. The prospectuses are available from your licensed financial representative or the insurance company. You should read them carefully before purchasing a variable life insurance or variable annuity contract. D8 n2JDH  0޽h ? MMMf3f80___PPT10.29 0 og4(  4 4 0AP HYour earning power  your ability to earn an income  is your most valuable asset. T( 2 4 0KZ  QFew people realize that a 30-year-old couple will earn 3.5 million dollars by age 65 if their total family income averages $100,000 for their entire careers, without any raises. How much of this money will be available to you when you retire? What will happen to your standard of living when your earning power ceases at retirement? J( 2C ( 2[ RH 4 0޽h ? +T3f3f80___PPT10.ا  0 +B8T(  8r 8 S t+ `P   J     ,8# #"&     8 <?   M94% @` 8 <p?    L60 @` 8 <̂?G   M88% @` 8 <`? G   L50 @` 8 <@? G  M85% @` 8 <p? G  L40 @` 8 <?  M84% @` 8 <?  L30 @`  8 <ֳ?  1Their Odds of Living to Retirement at Age 65 Are:22 @`  8 <?  kOf 1,000 Men Who Are Age:( @``B 8 0o ?  ZB 8 s *1 ?  ZB 8 s *1 ?  ZB 8 s *1 ? G  G ZB 8 s *1 ?   `B 8 0o ?   `B 8 0o ?   ZB 8 s *1 ? `B 8 0o ?   -8 0\@ ` \Source: 2001 Commissioners Standard Ordinary Mortality Table; based on composite data (combination of smokers, nonsmokers and smoking status unknown); age nearest birthday.( 2R     .83 #"&     /8 < ?   M95% @` 08 <@?    L60 @` 18 <Ǣ?G   M90% @` 28 <(ʢ? G   L50 @` 38 <<٢? G  M88% @` 48 <8Ң? G  L40 @` 58 <(ݢ?  M87% @` 68 <?  L30 @` 78 <Dp?  1Their Odds of Living to Retirement at Age 65 Are:22 @` 88 <8p?  mOf 1,000 Women Who Are Age:( @``B 98 0o ?  ZB :8 s *1 ?  ZB ;8 s *1 ?  ZB <8 s *1 ? G  G ZB =8 s *1 ?   `B >8 0o ?   `B ?8 0o ?   ZB @8 s *1 ? `B A8 0o ?  H 8 0޽h ? +T3f3f___PPT10i.@[+D=' = @B +u  0 P+`P(  Pr P S  `   0  pp  EP# #"&    ;P <8p?@ p p  L81 @` :P <,-p?p @ p  L60 @` 9P <p?@ p p  L79 @` 8P <?p?p @ p  L50 @` 7P <Gp?@ pp  L78 @` 6P <hJp?p@ p  L40 @` 5P <Yp?@ pp L78 @` 4P <4cp?p@ p L30 @` 3P <dlp?@ pp kHas a Life Expectancy of Age: @` 2P <0gp?p@ p iA Man Who Is Currently Age: @``B P s *1 ?ppZB ?P s *1 ?p p ZB @P s *1 ?p p `B AP 0o ?p p `B BP 0o ?pp ZB CP s *1 ?@ p@ p `B DP 0o ?pp 4  p ` _P #"&p `  p RP <ȁp?h ` L84 @` QP <|p?p h L60 @` PP <Дp?h `  L83 @` OP <ԝp?p h  L50 @` NP <8p?h`  L82 @` MP <p?p h  L40 @` LP <p?h` L82 @` KP <p?p h L30 @` JP <t s *1 ?P P ZB ?t s *1 ?  `B Bt 0o ?  `B Ct 0o ? ZB Dt s *1 ?PP `B Ht 0o ? ZB Nt s *1 ?PZB Pt s *1 ?  ZB Qt s *1 ?pp ZB Rt s *1 ? % ]t 0ҋV Based on the capital retention method, which uses interest return only to provide income. Principal is not liquidated and remains available. 2H t 0޽h ? +T3f3f80___PPT10.  0  *(  x  c $NPp N r  S N N H  0޽h ? 33___PPT10i.`̹+D=' = @B +n  0 }p(   0 ZA  ? ?   N   0DN pIf $100 a month is saved, what will the savings be worth at age 65, assuming a hypothetical 10% rate of return*? q( 2q  04%N P  w=Age When You Begin to Save $100 a Month and Results at Age 65>( 2><  0x)N  * This is a hypothetical illustration only and is not indicative of any particular investment or investment performance. It does not reflect the fees and expenses associated with any particular investment, which would reduce the performance shown in this hypothetical illustration if they were included. In addition, rates of return will vary over time, particularly for long-term investments.( 2 oH  0޽h ? +T3f3f___PPT10i.d+D=' = @B +!   0 80$(  $ $ 0>N  0zPower of Tax Deductions and Tax-Deferred Accumulations: Those who qualify for a tax-deductible IRA can use money that would otherwise be paid in taxes to establish a retirement fund that accumulates tax deferred. Taxes, however, must be paid as distributions are received from a tax-deductible IRA. A second alternative for those who qualify is the Roth IRA. While contributions to a Roth IRA are not tax deductible, the retirement fund accumulates tax deferred and distributions are received free of income tax. Either a tax-deductible IRA or a Roth IRA can produce results superior to a savings plan whose growth is taxed.9  ? 8H $ 0޽h ? +T3f3f___PPT10i.ڈ+D=' = @B +U  0 ld((  ( (0 ZA 1? ?  1 N. ( 0VN  r20 Year Results (1) 8% Hypothetical Annual Rate of Return $4,000 Annual Contribution 25% Income Tax Bracket@s( 2 _  ( 0L]N ` (1) This is a hypothetical illustration only and is not indicative of any particular investment or performance. If the tax-deductible IRA is surrendered at the end of the 20th year, the principal amount remaining after payment of income tax is $148,269 at a 25% rate; assumes no penalty tax is assessed. If the Roth IRA is surrendered at the end of the 20th year, the full principal amount of $148,269 is available free of income tax; assumes no penalty tax is assessed. Non-deductible savings assumes the income tax is paid out of earnings each year, meaning that the full principal amount of $116,978 is available free of income tax at the end of the 20th year.   v          8XH ( 0޽h ? +T3f3f___PPT10i.0Jh.+D=' = @B +8  0 @,x8(  x6 x 0h|N `Inflation Doesn t Retire When You Do! Failing to consider the impact of inflation could result in a gradual erosion of your standard of living after retirement. Did You Know& Z&( 2|( 2( 2&| p p`  ,x #""d@0  x <N? `  N3.1% @` x <iN?` `  N2007 @` x <,N?``  N1987 @` x <$N?  N2.6% @`  x <N?`  N2007 @`  x < N?` N1997 @`  x <N?  N2.6% @`  x <N?`  N2007 @`  x <N?` N2002 @` x <N? p BBased on the Consumer Price Index, the Average Inflation Rate Was:CC @` x <XN?`p  PTo @` x <N?p` RFrom @``B x 0o ?ppZB x s *1 ?ZB x s *1 ?ZB x s *1 ?`B x 0o ?` ` `B x 0o ?p` ZB x s *1 ?`p`` ZB x s *1 ? p ` `B x 0o ?p` H x 0޽h ? +T3f3f80___PPT10.p 0 `|(  |Z | 0NJ  What This Means& Assuming a person who retired in 1987 with a fixed monthly retirement income of $2,000 had an average monthly food bill of $300, the food bill consumed 15% of this retiree s monthly income. By 2007, however, with an average inflation rate of 3.1%, that retiree s monthly food bill would have grown to $552, or almost 28% of monthly retirement income.( 2_8 }d-/ ,GH | 0޽h ? +T3f3f80___PPT10.`A.  0 E =  4 (  l  0Rl Some Retirement Planning Options& Qualified Retirement Plans and Individual Retirement Accounts (IRAs):"h( 2h) h X 4 #"Xa   <)R?PO X Anyone with compensation and their spouses can establish this personal, tax-favored retirement plan. You can select a regular IRA, which may allow for tax-deductible contributions, together with tax-deferred accumulations and taxable distributions or, subject to income requirements, a Roth IRA, which does not allow for tax-deductible contributions, but provides tax-deferred accumulations and tax-free distributions. @`  <8+R?O PX s#Individual Retirement Account (IRA)$$ @`  <7R?PO  QSome employers offer qualified retirement plans that allow employees to contribute pre-tax dollars that accumulate tax deferred until received. Take full advantage of any such plan offered by your employer. Tax deferral can result in more funds accumulated for retirement than saving for retirement without the benefit of tax deferral.RR @`  <H@R?PO  jQualified Retirement Plans @``B  0o ?ZB  s *1 ?O O `B  0o ?XX`B  0o ?XZB  s *1 ?PPX`B  0o ?XH  0޽h ? +T3f3f___PPT10i.FQ+D=' = @B + 0 ((    0TR |Some Retirement Planning Options& Annuities and Life Insurance"?( 2?1l P0` ( #"@5`P`  " <deR?p ` LLife insurance and annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial adviser will provide you with costs and complete details about any specific life insurance or annuity contracts recommended to meet your specific needs and financial objectives.MM @`   <p\R?P p UNote: @`  <hR?pp`  zWhile the primary purpose of life insurance is to provide death benefit protection, some life insurance plans build cash values on a tax-favored basis. If consistent with your life insurance needs after retirement, some or all of this cash value can be used to supplement other sources of retirement income (withdrawals and loans will reduce the policy s death benefit and cash value available for use). Life insurance can also be used by married couples to maximize the pension income received from employer-provided plans., y @`  <hgR?Ppp  ^Life Insurance @`g  <ȈR?p0`p An annuity can be used to accumulate funds on a tax-deferred basis. Then, at retirement, the value of the annuity can be converted to an income that you cannot outlive. @`   <R?P0pp Y Annuities   @``B   0o ?P0`0ZB   s *1 ?Pp`p`B   0o ?P``B   0o ?P0PZB  s *1 ?p0p`B  0o ?`0`ZB ! s *1 ?P ` H  0޽h ? +T3f3f___PPT10i.o+D=' = @B + 0 ph (    0RP p&Retirement Planning Action Checklist: .'( 2%  0xR  VThe Analysis&   2  0زR`@:  Estimate the income you will need at retirement. Estimate the income that will be available to you at retirement, including: Social Security Pension Benefits from Employer-Provided Plans Other Pension Benefits Income from Personal Retirement Savings f}(   }  BRjJ 5    BRjJP 5  6  0R `A Determine the additional monthly income required to achieve your retirement income objective and the capital needed to produce that additional monthly income.( 2  BRjJ   5  H  0޽h ? MMMf3f80___PPT10.rJU 0 U(    08RpP p&Retirement Planning Action Checklist: .'( 2%  0PRp j NThe Plan&  2 1  0RP`@  Evaluate and select retirement planning options, with a special emphasis on tax-favored plans. Commit to a systematic monthly retirement savings program.(   BPRjJP 5    BRjJ   5  H  0޽h ? MMMf3f80___PPT10.sdT 0 T(  fB  0ff"`P  0:`  NYou Can Manage Your Finances& It s by managing your finances that you write the story of your life. You are both the author and the story s principal character. Resolve to perform what you ought. Benjamin Franklin( 28 }d( d H  0޽h ? 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Joan Barrett TexturedJoan Barrett48Microsoft Office PowerPoint@,ZVJ@Q@EO1G3g  g  y---$----$ ----$  ----$----$----$----$----$----$----$ ----$ "" ----$"$$""----$$%%$$----$%&&%%----$&((&&----$())((----$)**))----$*,,**----$,--,,----$-..------$.//..----$/11//----$12211----$23322--~~~--$34433--}}}--$45544--|||--$56655--{{{--$67766--zzz--$78877--yyy--$89988--xxx--$9::99--www--$:;;::--vvv--$;<<;;--uuu--$<==<<--ttt--$=>>==--sss--$>??>>--rrr--$?@@??--qqq--$@AA@@--ppp--$ABBAA--ooo--$BCCBB--mmm--$CDDCC--lll--$DEEDD--kkk--$EFFEE--jjj--$FGGFF--iii--$GHHGG--hhh--$HIIHH--ggg--$IJJII--fff--$JKKJJ--eee--$KLLKK--ddd--$LMMLL--ccc--$MNNMM--bbb--$NOONN--aaa--$OPPOO--```--$PQQPP--___--$QRRQQ--]]]--$RSSRR--\\\--$STTSS--[[[--$TUUTT--ZZZ--$UVVUU--YYY--$VWWVV--XXX--$WYYWW--WWW--$YZZYY--VVV--$Z[[ZZ--UUU--$[\\[[--TTT--$\]]\\--SSS--$]^^]]--RRR--$^``^^--QQQ--$`aa``--PPP--$abbaa--OOO--$bddbb--NNN--$deedd--MMM--$effee--LLL--$fhhff--KKK--$hiihh--JJJ--$ikkii--III--$kmmkk--HHH--$moomm--GGG--$ossoo--FFF--$swwss--EEE--$wxxww---'@Tahoma-. 32 !Preparing for Your Retirement.. 32 Preparing for Your Retirement."SystemЋ-@Tahoma-.  2 !~..  2 }.-@Tahoma-. 12 ,!A Retirement Planning Review.. 12 + A Retirement Planning Review.-@Tahoma-.  2 X..  2 W.-@Tahoma-. a2 X<2008 VSA, LP Valid only if used prior to January 1, 2009. .. a2 W<2008 VSA, LP Valid only if used prior to January 1, 2009. .-@Tahoma-. C2 X](The information, general principles and .. C2 W\(The information, general principles and .-@Tahoma-. g2 [@conclusions presented in this report are subject to local, state.. g2 Z@conclusions presented in this report are subject to local, state.-@Tahoma-. C2 [^(and federal laws and regulations, court .. C2 Z](and federal laws and regulations, court .-@Tahoma-. g2 ^@cases and any revisions of same. While every care has been taken.. g2 ]@cases and any revisions of same. While every care has been taken.-@Tahoma-. <2 ^d#in the preparation of this report, o.. <2 ]c#in the preparation of this report, o.-@Tahoma-. g2 `@neither VSA, L.P. nor The National Underwriter is engaged in pro.. g2 _@neither VSA, L.P. nor The National Underwriter is engaged in pro.-@Tahoma-. B2 ``'viding legal, accounting, financial or .. B2 __'viding legal, accounting, financial or .-@Tahoma-. g2 c@other professional services. This report should not be used as a.. g2 b@other professional services. This report should not be used as a.-@Tahoma-. F2 c^*substitute for the professional advice of .. F2 b]*substitute for the professional advice of .-@Tahoma-. ^2 f:an attorney, accountant, or other qualified professional. .. ^2 e:an attorney, accountant, or other qualified professional. .-՜.+,0P    On-screen ShowFSO` ArialTahoma WingdingsTimes New Roman TexturedMicrosoft Graph ChartSlide 1Slide 2Slide 3The Importance of Planning Some people think that retirement planning isnt important because they wont live until retirement. ConsiderNot only will the vast majority of us live to reach retirement at age 65, but with advances in medical technology, we can also expect to live a substantial number of years after retirement. Consider... Slide 6Slide 7Slide 8Slide 9If You WaitYou Lose! Slide 11 Slide 12 Slide 13 Slide 14 Slide 15 Slide 16 Slide 17 Slide 18 Slide 19 Slide 20  Fonts UsedDesign TemplateEmbedded OLE Servers Slide Titles$_O Joan BarrettJoan Barrett  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~Root EntrydO)PicturesCurrent UserSummaryInformation(4PowerPoint Document(PDocumentSummaryInformation8