Nest EGG Analysis SM

If longevity is on your side, is your current plan up to the task?

How Are You Hatching Your Nest Egg?

By taking stock of your resources and looking at your wealth with a fresh perspective, Hatch Retirement’s Nest EGG AnalysisSM helps prioritize your objectives.

THE PROCESS INCLUDES:

• A detailed income and expense analysis• A review of your current assets• An assessment of your contingency and legacy planning

Using the organizing principles of “Enjoy, Grow and Give”, we can help you design a plan to manage assets and address the many transitions occurring through the phases of retirement.

Following our two-step process, we provide you with a customized report and reference guide. You can either utilize the findings on your own, or mutually agree to an ongoing relationship with our firm.

AGES 55–64

• Retirement budget planning

• Social Security & Healthcare planning

• Final stage of asset accumulation

pre-RETIREMENT

SPEND IT NOWPlanning for income now and through the phases of your retirement

SAVE IT FOR LATERContingency planning for unwelcome expenses, i.e. long-term care

GIVE IT AWAYLegacy planning, gifting strategies and minimizing your tax exposure

ENJOY

GROW

G IVE

AGES 65–74

• Part-time employment?

• Increased travel & leisure activities

• Higher level of income distribution

• Mortgage paid off?

activeRETIREMENT

AGES 75–84

• Travel & leisure scaled back

• Health issues may surface

• Lower level of income distribution

stableRETIREMENT

AGES 85+

• Predictable daily pattern

• Potential for onset of chronic or cata-strophic illness

• Highest level of income distribution

secureRETIREMENT

Phases of Retirement

Why Conduct a Nest EGG Analysis?

Whether you are approaching retirement or already in retirement, we believe there are distinct phases that your planning should be structured around.

These phases can be explained in many terms such as employment, age, family status and health status, just to name a few. In reality, the progression from one phase to the next is more of a continuum, and few move uniformly through the phases.

Preparing for ChangeRetirement and change are inextricably linked. It is therefore important to identify and adapt to the potential risks and opportunities in your retirement years. Below are some common examples of both welcome and unwelcome milestones which should be considered in the planning process. Our process is as much about contingency planning as it is about keeping you on track with your stated goals and objectives.

If longevity is on your side, is your current plan up to the task?

How Are You Hatching Your Nest Egg?

WELCOME CHANGES:

• More time to spend with family and friends• Opportunities for greater participation in volunteer activities

• Time for extended travel

UNWELCOME CHANGES:

• Declining health• Inability to stay at home• Caring for or loss of loved ones

Longevity and RetirementMany of us will spend 30 or more years in retirement. Advancements in science and technology have allowed us to make better lifestyle decisions. Longevity is no longer primarily determined by genetics.

With increased life expectancy there is a clear need to expand traditional retirement planning to consider changes that go beyond tangible wealth.

This is why Hatch Retirement engages in “longevity planning.” Longevity planning proactively seeks solutions for the complex issues surrounding retirement and aging.

BODY MASS INDEX

COPINGMECHANISMS

EXERCISE

RELATIONSHIPSTABILITY

EDUCATION

MODERATEALCOHOL

NON-SMOKING

7 PREDICTORS OF LONGEVITY

How Are You Hatching Your Nest Egg?

©2011 Ben Yohanan Annuity & Insurance Agency, Inc. CA Insurance License #0B82099. Securities offered through Securities America, Inc., member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Hatch Retirement Advisors and Ben Yohanan Annuity & Insurance Agency are not affiliated entities of the Securities America companies.

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