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Steve Ainsworth

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					Steve Ainsworth




                                                                     Putting balance in your favor.




                                                                     Look Forward to Life With MetLife’s
                                                                     CORE Principles
                                       Beyond Your
                                                                     Curriculum Of Retirement Education is at the very heart
                                           Pension.                  of a successful retirement.
                                    The Bigger Retirement Picture.          • CORE helps you plan smart.
                                                                            • CORE helps you invest wisely.
                                                                            • CORE helps you retire with confidence.




   Beyond Your Pension                                               Beyond Your Pension




   Retirement Planning Checklist                                     Sources of Retirement Income
      • Identify retirement income sources
      • Determine your retirement income needs                                                                                       Pension
                                                                                                                                  Gov't & Private
      • Factor in inflation                                                                                  Earnings
                                                                                                                                       19%
                                                                                                                28%
      • Factor in life expectancy
      • Create an income stream
                                                                                                         Assets                     Social
                                                                                                          13%                      Security
                                                                                                                                      39%

                                                                                                 Other
                                                                                                  3%
                                                                     Source: Social Security Administration’s FY 2006 Performance and Accountability Report




   Beyond Your Pension                                               Beyond Your Pension




   Plan To Live To Be 100                                            When Can You Retire?
      • Will I outlive my income?
      • Will my income keep pace with inflation?                             Social Security
                                                                          + Pension
                                                                          + Personal Savings
                                                                          = Retirement




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Steve Ainsworth




   Beyond Your Pension                                                       Beyond Your Pension




   Not So Fast!                                                              Determine Your Needs
        •   Inflation
        •   Taxes                                                            Round current salary                  $40,000    Years to       Annual
                                                                                                                             Retirement   Savings Factor
        •   Social Security                                                  Estimate percentage           25%=$10,000         3—8             .20
        •   Healthcare costs                                                 needed at retirement                              9—14           .075
                                                                             Multiply by 20                       $200,000     15+             .05

                                                                             Multiply by savings factor   $200,000 x .05

                                                                                                                  =$10,000

                                                                         Hypothetical Example




   Beyond Your Pension                                                       Look Forward to Life




   The Rule of 72
                                  72
                                       = Years to
                           Inflation
                             rate
                                          double                                                    The Ups and Downs
   For example:
                                                                                                      of Your Expenses
   If the inflation rate is 4%:           If the inflation rate is 6%:

            72                                    72
                   = 18 Years                             = 12 Years
            4%                                   6%




   The Ups and Downs of Your Expenses                                        The Ups and Downs of Your Expenses




   Less Is More                                                              Nowhere To Go But Up
   These are likely to decrease in retirement…                               These are likely to increase in retirement…
        •   Income taxes                                                          • Healthcare and health insurance expenses
        •   Social Security taxes                                                 • Leisure and entertainment activities
        •   Contributions to savings/investments                                  • Travel expenses
        •   Out-of-pocket housing costs
        •   Work-related expenses




                                                                                                                                                           2
Steve Ainsworth




   The Ups and Downs of Your Expenses                       Look Forward to Life




   Little or No Change
       •   Utilities
       •   Food                                                                                 Create Your Personal
       •   Gifts
       •   Car insurance                                                                              Income Stream
       •   Property insurance                                                                                 Steps in the right direction




   Create Your Personal Income Stream                       Create Your Personal Income Stream




    Your Pension – It’s a Plan!                             When Should You Start Collecting
       •   Determine eligibility                            Social Security?
       •   Vesting requirements                                    • Put it off as long as you can afford to
       •   Payout options                                          • Collect more in the long run
       •   Calculate income




   Create Your Personal Income Stream                       Create Your Personal Income Stream




   Leverage Your Retirement Plan                             Annuities
       •   Boost your contributions                                • Vehicle used to accumulate assets and distribute income
       •   Catch-up contributions for age 50 and over                in retirement
       •   Understand IRS distribution rules                       • Can provide income for life or a specific period
       •   Review your retirement distribution options             • Payout options determine annual income
                                                                   • Joint and survivor option available




                                                         Product guarantees are backed by the financial strength and claims paying ability of the issuing insurance company.




                                                                                                                                                                               3
Steve Ainsworth




     Create Your Personal Income Stream                                                                         Create Your Personal Income Stream




      Lifetime Withdrawal Guarantee                                                                             Other Things To Consider
            • Your money stays invested as you choose                                                                 • Pay off personal loans and other financial obligations
            • Potential for tax-deferred growth                                                                       • Retire your mortgage
            • Withdraw up to 5% of your guaranteed amount per year                                                    • Long-term care insurance
              to supplement income
                   • After age 59½




   Product guarantees are backed by the financial strength and claims paying ability of the issuing insurance
   company.




     Look Forward to Your Retirement                                                                            Look Forward to Your Retirement




     Questions?                                                                                                 Disclaimer
                                                                                                                Circular 230 Disclaimer – The information contained in this presentation,
                                                                                                                including attachments, concerning Federal tax issues is not intended to
                                                                                                                (and cannot) be used by anyone to avoid IRS penalties. This communication
                                                                                                                is intended to support the sale of MetLife insurance and annuity products.
                                                                                                                You should seek advice based on your particular circumstances from an
                                                                                                                independent tax advisor.
                                                                                                                Metropolitan Life Insurance Company, MetLife Securities, Inc., MetLife Resources and their respective
                                                                                                                agents and representatives may not give legal or tax advice. Any discussion of taxes in this presentation or
                                                                                                                related to this presentation is for general information purposes only and does not purport to be complete or
                                                                                                                to cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the
                                                                                                                appropriateness of any product for any specific taxpayer may vary depending on the facts and
                                                                                                                circumstances. You should consult with and rely on your own independent legal and tax advisers regarding
                                                                                                                your particular set of facts and circumstances.




     Look Forward to Your Retirement




    Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities
    products offered by MetLife Securities, Inc. (MSI) (member FINRASIPC), New
    York, NY 10166. MLIC and MSI are affiliates.


    Most insurance policies and annuity contracts contain exclusions, limitations,
    reduction of benefits, surrender charges and terms for keeping them in force. Your
    representative can provide you with costs and complete details.




     MLR19000544028                                                   L02087436[exp0209][All States][DC]




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