Living Well in Retirement

Presented By:

Dryden, Bound &

Associates

Jay Dryden and Luke Bound

Financial Service Representatives

We will work with you and your tax and legal advisers to
help you select the most appropriate product solutions to
suit your specific needs and circumstances. Metropolitan
Life Insurance Company (MLIC), New York, NY. Securities
products are offered through MetLife Securities Inc. (MSI)
(member FINRA/SIPC). 200 Park Avenue, New York, NY
10166. MLIC and MSI are affiliates.
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Living Well in Retirement

Pursuant to IRS Circular 230, MetLife is providing

you with the following notification:
The information contained in this seminar is not
intended to (and cannot) be used by anyone to
avoid IRS penalties. This seminar supports the
promotion and marketing of financial profiles. You
should seek tax advice based on your particular
circumstances from an independent tax advisor.
Living Well in Retirement

You tell me:

What are your biggest

concerns for retirement?
Living Well in Retirement

5 Questions You Need

to Be Dealing With
1. How will longevity impact my
retirement?

 Male age 65

 Female age 65

 Couple age 65
1. How will longevity impact my
retirement?
1. How will longevity impact my
retirement?

0 – 22 23 – 44 45 – 66 67 – 88
1. How will inflation impact my
retirement?

 What did things cost in

1978?
 What do those same
things cost today?
 What might these same
things cost in 2038?
1. How will inflation impact my
retirement?

 Have you made plans for your income to triple during

your retirement?
$250,000

$200,000
Income

$150,000
Retirement Income *
$100,000

$50,000

$0
65 75 85 95
Age

* This graph illustrates what it would mean to triple a $75,000 income over a 30 year timeframe.
1. How will health care impact my
retirement?

 What is your experience been so far?

 Can medical science ever cure old age?

1. How will investment risk impact
my retirement?

 There are risks of being too conservative as

well as being too aggressive. For example:
1. How will investment risk impact
my retirement?

 Conservative vs. Aggressive

1. How will investment risk impact
my retirement?

 Conservative vs. Aggressive

In 1981 a fixed rate was around 15%

What was the “real” rate of return?

Interest Rate 15%

- 1099 (25% total tax)

11.25%

- Inflation 13%

-1.75
1. How will investment risk impact
my retirement?

 Conservative vs. Aggressive

In 1981 a fixed rate was around 15% In 2000 the bubble burst…

What was the “real” rate of return? In 2001 the towers fell…

Interest Rate 15% In 2002 the CEOs lied…

$600,000

- 1099 (25% total tax) $500,000

$400,000
$300,000 Large Cap
Growth *
11.25% $200,000
$100,000
$0

- Inflation 13% 1999 2000 2001 2002

December 31 of...

-1.75 * Source Morningstar Category: Large Cap Growth Stocks

1. How will investment risk impact
my retirement?

While diversification through an asset allocation strategy is a useful technique that can help to manage overall
portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall
return or outperform one that is not diversified. An investment made according to one of these asset allocation
models neither guarantees a profit nor prevents the possibility of loss.
5. What impact will I have through my
estate?

 “Simple Wills” and Living Trusts

 Health Care Directives and Durable Power of

Attorney

MetLife does not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance.
Mount Everest
Thank you ! Enjoy the Food!

Pursuant to IRS Circular 230, MetLife is providing you with the following
notification:
The information contained in this seminar is not intended to (and cannot) be
used by anyone to avoid IRS penalties. This seminar supports the promotion
and marketing of financial profiles. You should seek tax advice based on your
particular circumstances from an independent tax advisor.

We will work with you and your tax and legal advisers to help you select the
most appropriate product solutions to suit your specific needs and
circumstances.
Metropolitan Life Insurance Company (MLIC), New York, NY 10166.
Securities products offered by MetLife Securities, Inc. (MSI) (member
FINRA/SIPC), New York, NY 10166. MLIC and MSI are affiliates.
L09078110[exp0908][AL]