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Retirement Presentation

Transcript: I want to be financially stable 12 dogs a nice home with a lot of land provide for my family retire at 65/ 70 Aaron Polanco anticipated lifestyle Undergraduate/ graduate studies After attending and graduating from pharmacy school, you must continue on to obtain the appropriate license from the state in which you are hoping to practice as a pharmacist. This process of obtaining a license generally requires you to have a Pharm.D. degree and to pass certain examinations, as well as to have a designated number of hours of practice work achieved through your courses or residency. To be eligable to be a licensed pharmacist in Texas be at least 18 years of age obtain a B.S. in Pharmacy or Pharm.D. take and pass both NAPLEX and MPJE completed 1500 hours of board approved internship Transfer plan Grad school / Pharmacy School Four academic years in the professional program The annual tuition at University of the Incarnate Word - Feik School of Pharmacy is $35,185 for in-state students, The corriculum for pharmacy school includes: Pharmaceutics, Drug information, Pharmacy calculations, Biochemistry Testing and Licensing Pharmacists dont just count pills all day thet also, Educate patient on medication use, storage and side effects. inform patients about past and current medication to prevent drug interactions Collaborate with other doctors to monitor, review and evaluate treatment effectiveness with patients. Analyze prescribing trends to monitor patient compliance and to prevent excessive usage or harmful interactions. Dispense and review prescriptions to ensure accuracy, and compliance with professional, state and federal regulatory requirements. Pharmacy job outlook Retirement Presentation Transfer to The University of Incarnate Word with my major as Biology in the Pre-pharmacy program at least a GPA 2.5 Application Transcripts / Letters of recommendation UIW undergraduate tuition 515 /hour UIW graduate school tuition 885 / hour In a 10- year study, Pharmacist as a profession is projected to grow 14% Median pay (Annual) $116,670 Median pay (Hourly) $56.09 Entry Level education: Doctoral or professional degree Various settings to work in Pharmacy Retail Hospital Private preactice Research My Career Three to four years of undergraduate pre-professional (prerequisite) coursework, Study at least one year of general biology, organic chemistry, inorganic chemistry, physics and one semester of statistics, calculus and microbiology Most students need four years to complete their prerequisite courses. usually takes eight years of college study to earn a Pharm.D. and become a pharmacist. Pharmacist / PharmD The Pharm.D. is a professional degree similar to a Doctor of Medicine (MD). As a doctorate, it represents the increasing responsibility pharmacists have in health care systems and the high trust Americans have in pharmacists. After earning a Doctor of Pharmacy degree and passing licensure examinations, College of Pharmacy graduates can practice pharmacy anywhere in the country. (after I pay back loans...) as a Pharmacist

Retirement Presentation

Transcript: The Road Ahead Who I am My name is Brian Sprague, I am an independent Agent licensed in the State of Texas. I am Married to April Archuleta-Sprague, and we are originally from Colorado but we fell in love with Fort Worth and have lived here for the Last 3 years. We have 2 dogs Grey and Duke and we take Photos in our spare time to enjoy the outdoors. WELCOME Licensed Life Agent in Texas What I do License Life and Health Agent (General Lines) I am a designated Fraternal Insurance Counselor I specialize in Social Security benefits, Veterans Benefits, Estate Planning, Retirement planning, and last but not least teacher pensions in the state of Texas. Saving Saving Saving has to start somewhere, If we are truly going to help the next generation saving needs to start when we are born. And it doesn't need to cost an arm and a leg. Insurance Life Insurance Life Insurance can not only be utilized as a Savings Vehicle, but it is the most common thread amongst the worlds most wealthy. Proceeds are paid income tax free, proceeds avoid probate, and due to IRS tax code the GOVT can never know how much money you have in an insurance policy Insurability Birth to age 2 Life insurance on a child can lock in their insurability for years to come 1) Properly place insurance can catapult your child or grand child's life savings 2) Insurance as a savings plan for college 3) why worry about paying for a funeral in the most difficult time of your life Life Insurance when you need it most AGE 2-59 Why are there so many different types of insurance? Why should I buy Life Insurance? Isn't the life insurance I have at work enough? I can do better in the stock market, and a savings account. Term Insurance Term Insurance is the Biggest Bang for your Buck! Term vs Permanent 1) Term is income replacement 2) Term is Temporary 3) Term is the Cheapest 4) All Term ends by age 85 5) there is a less than 2% chance any term policy will ever pay Permanent Insurance Permanent Insurance is Guaranteed to Pay upon your death! Permanent 1)Permanent Insurance has a level Premium 2) Permanent Insurance usually has a cash value 3)Cash inside a policy is income tax free 4) Permanent Insurance is like owning a home and earning equity 5) Permanent Insurance costs more because it is guaranteed to pay upon your death as long as all premium payments are met 6) certain Permanent plans can be tailored to either cash flow or death benefit 7) Proceeds are paid to your beneficiary Income Tax Free and avoid probate Indexed Universal Life IUL Long Term Care Long Term Care Nursing Home Costs can be the Number One killer to a retirement plan 1) Long Term Care is hard to qualify for 2) it is cheaper to buy when you are in your 30's and 40's than it is to buy in your 60's and 70's when you are thinking about it. 3)a person with Alzheimers or dementia can spend north of 10 years in care The Golden Years Age 60-85 1) you are approaching your last opportunity to buy a term policy, and medically qualifying for a permanent policy is increasingly difficult 2) every day you wait to purchase insurance your costs go up exponentially daily 3) Estate Planning- are your beneficiaries up to date, have you updated your will, do you need a trust 4) end of life planning 5) what Legacy will you leave behind? Life/ Health Agent Life Agent Licensed by the State in Life and Health general lines at a min. Can provide financial recommendations as long as they are in line with a fiduciary responsibility Can sell Life Insurance, Disability Insurance, Health Insurance, Long Term Care, and Annuities Many times referred to as a retirement planner Generally specializes in Estate Planning, Social Security Planning, and beneficiary planning. 529 Plan College Saving With a properly positioned college plan your child's future in Private college, state college or technical college can all be paid for in advance so that you don't have to spend your greatest earning years adding an expense US Savings Bonds Savings Bonds The USA has savings bonds that can be purchased, and will mature when your child is estimated to go to college. 1) they are guaranteed 2) they are safe 3)they provide a conservative return on investment Permanent Life Ins Life Insurance Permanent Life can be used as a money multiplier to leverage a little cash over a short period. -You can cash out the policy -You can borrow the cash value or you can turn on a "faucet" that will pay monthly or annual amounts to pay for tuition costs. *Subject to Insurabilty Cash or Credit Cash The way most people pay for college is by paying cash or by borrowing money - Cash costs you 100% and is dollar for dollar -Credit cost more than dollar for dollar and is the biggest reason we have more student loan debt on record than ever before. Neither strategy is a good plan, it is the plan you get with no planning. Lack of knowledge is not a good excuse Well it Depends on your goal What Should I Choose No matter your goal or your dream, rest assured there is a

Retirement Law Presentation

Transcript: Lock V Commissioner of Taxation (2003) FCA 309 Retirement Planning Spring Session Noah Simpkins Backround Content How can we identify an in house asset? A loan to or investment in a related party of the fund. An investment in a related trust of the fund. An asset subject to a lease arrangement between the trustee and a related party of the SMSF. Backround Content Exemptions to the In House Assets Rule If the asset being acquired is i.Under 5% of the fund’s total assets ii.Listed securities which are valued at the true market value iii.In the case of business real property Exemptions to the In House Assets Rule Prohibition of avoidance schemes Section 66 subsection (3) A person must not enter into, commence to carry out, or carry out a scheme with the intention that: the scheme would result, or be likely to result, in the acquisition of an in house asset SIS ACT 1993 - SECT 66 The Case Timeline 12 June 1995 Lock Property Trust Established Lock Investments Pty Ltd ATF Donald Lock Family Trust Subscribe for units in Lock Property Trust The Case Timeline 20 June 1995 The property trust aquires Riddles Creek Land In debt for the purchase price Family trust = stakeholder of property trust Assumes liability for the debt incurred with the purchase 20 June 1995 Lock Fund No 2 23 June 1995 - Established Lock Fund No 2 29 June 1995 Lock Investments Pty Ltd ATF Donald Lock Family Trust make an employer contribution to the SMSF for the value of the units in Lock Property Trust SF subscribe for units in Lock Property Trust Property Trust redeemed units held by Donald Lock Family Trust Family trust paid the applicants debt owed to them (assumed liability) 29 June 1995 1. The company purchased units in the property trust 2. the company contributes an equivalent amount of Australian dollars into the SMSF as an employer contribution 3. the SMSF uses the amount of contribution to purchase all the units of the property trust 4. the unit trust redeems the units owed by the company The Arrangement The Arrangement Breaking it down The SMSF owns units in the property trust The company has accepted consideration for the issuing of those units The company also wishes to claim a deduction for the employer contributions recieved by the SMSF Breaking it down Does the anti avoidance provision in subsection 66(3) of the Superannuation Industry (Supervision) Act 1993 (SISA), apply to the participants of an arrangement that is structured so that it avoids the prohibition on the acquisition assets from a related party of the self managed superannuation fund (SMSF) under subsection 66(1) of the SISA? The issue? The issue? An entity has established an arrangement that facilitates the provision of goods and services through barter transactions between its members The facts The facts The units in the unit trust are not 'listed securities' ... The units in the unit trust are not 'listed securities' as defined in subsection 66(5) of the SIS act, nor are they business real property or worth less than 5% of the total funds assets The trustee of the unit trust is not a related party to the SMSF, nor is the unit trust a related party to the SMSF. The company is a related party to the SMSF (member of the SMSF has voting interest in the company) The SMSF had acquired units in the unit trust from the company (which is a related party), as a result the trustee of the SMSF would contravene subsection 66(1) of the SISA. This would be the case whether the assets were purchased or accepted as a contribution from the company. The acquisition by the SMSF of the units from the trustee of the unit trust under the scheme is, therefore, an acquisition of an asset from a person (the trustee of the unit trust) who has a connection with a related party of the fund as the company is a related party of the fund for the purposes of subsection 66(3) of the SISA. Conclusion "Considering the arrangement as a whole, it is structured with the intention that the acquisition by the SMSF of units in a unit trust from a party that is not a related party to the SMSF, avoids the prohibition (in subsection 66(1) of the SISA of the SMSF acquiring assets from a related party. The parties to the arrangement may be liable to prosecution and may be guilty of an offence under subsection 66(4) of the SISA." Conclusion

Retirement Presentation

Transcript: Step 3: Family Step 2: Financial Part Step 1: Career I am interested in becoming a pharmacist in the future,and it is required to start a four-year pharmacy program after successfully completing two years of undergraduate coursework and earning a passing score on the PCAT(pharmacy college admission test).so basically i could gradute with a pharmD or Doctorate of pharmacy degree in about 6 years. Based on my search i found that it might cost me 30,000+ each year of study to become a pharmacist.the average annual salary for pharmacists is $98.960 based on 2007 data,but some pharmacist job pays $50.00-$60.00 per hour,which equates to $100.000-$120.000 annualized income,assuming a full-time schedule. Step 4: Retirement After my retirement I want to be recognize as a well dedicated,respectful and hardworking person. Retirement Presentation Well i'm a family person,and i will love to have my own family maybe sometime in the future. By Abdulazeez Isimijola

Retirement Presentation

Transcript: Transfer Plan What will be said about me... Thank you for listening Madison was a hard worker that put her imagination into her work. She treated her crews and casts like a family and put her heart and soul into her films and created a new label that changed the way we think about film and production. Retirement Presentation " All the world is a stage so choose your actors carefully" - adapted from William Shakespeare Get my basics done at NWV because of financial aid I am going to college for free at the moment. Then planning on going to UT Austin for their film and production program which would cost about $27,000 for staying in Texas.

Retirement presentation

Transcript: ARE YOU READY TO RETIRE? WHY IF I DON'T RETIRE AFTER 2012 OR 2013.... INSURANCE COSTSSSSS WHAT WILL MY ANNUNITY PAYMENTS AND OPTIONS BE? TAXES? IS MY SPOUSE OR FAMILY READY FOR ME?????? DO I WANNA WORK!!!!???? WILL I HAVE TO WORK%#^&*%$ SUB TEACHER ART GALLERY WAL-MART GREETER I KNOW WHO I AM; WHO WILL I BE???? RETIRE OR NOT! YES; WHAT KIND HOW MUCH NO

Retirement Presentation

Transcript: Retirement What is retirement? Retirement is when you complete a certain amount of years of service working and you then can stop working. This usually takes place when you become older. At what age should you start thinking about retirement? Suprisingly, you should start planning during your late teens and early twenties. That could be during your junior and senior years in highschool. Where can you get money for your retirement? One way you can get money for your retirement is by saving your own money. This is very important because money you may recieve from Social Security, etc may not be enough. In order for you to live comfortably when you are older you should plan for retirement. Most people would like to continue living the way they are now when they are older. That means that you would want to continue to go boweling and watch movies. You'll have all that extra time, why not? To be able to do that you should plan to save enough retirement money to to replace 80% of your annual working income. ***Remember saving small amounts of money now is better than saving large amounts of money later. Social security is one way you can recieve money. Social Security, what is it? Social security is set up by the government to provide money for retired workers. When you begin working you pay taxes that go to your social security. At the same time your employer pays the same amount of taxes towards your account. The amount you recieve will depend on how long you worked and how much you earned. Retirement Accounts A retirement account is an investment set up to provide money for you when you retire. You do not pay taxes on the money that you put into the account, which means tax deferred. You pay taxes only when you withdraw that money. **Money that you put into the account is called contribution. **Money that you take out is called distribution. Individual Retirement Accounts Also known as IRAs. An IRA is a personal savings plan that gives you tax advantages for setting aside money for retirement. When you have an IRA account you take part of your income and put it into your account. You do not pay taxes on it until you withdraw it. In order to open an account you must be younger than 70 and a half and have earned income. Roth IRA It is similiar to a traditional IRA. It is an individual retirement account that is tax deferred. If you meet certain requirements the money you draw out for retirement will be tax free. 401 (k) A 401 (k) plan is set up by your employer to help save for your retirement. You put part of your money into the 401 k account. Some employers match the amount you contribute into the account. There is a limit to how much you and your employer contribute into your account each year. Most 401 k withdraws are taxable you must also be 59 and a half or older to withdraw money or else you have to pay a penalty. 403 (b) The 403 b is similiar to the 401 k except it is designed for public school teachers and other employees of nonprofit organizations. Some 403 b's are set up and run by employers while others are set up by third parties. Social Security Retirement accounts Traditional IRAs Roth IRAs 401 (k) 403 (b) What are other ways to get money for retirement?

Retirement Presentation

Transcript: To God be the glory, great things he hath done! So loved he the world that he gave us his Son; Who yielded his life an atonement for sin, And opened the life gate that all may go in. O perfect redemption, the purchase of blood! To every believer the promise of God; The vilest offender who truly believes, That moment from Jesus a pardon receives. Great things he hath taught us, great things he hath done, And great our rejoicing through Jesus the Son; But purer and higher and greater will be Our wonder, our rapture, when Jesus we see. Praise the Lord! Praise the Lord! Let the earth hear his voice! Praise the Lord! Praise the Lord! Let the people rejoice! O come to the Father through Jesus the Son, And give him the glory; great things he hath done! We are witnesses for Jesus In the haunts of sin and shame, In the underworld of sorrow Where men seldom hear his name; For to bind the brokenhearted And their liberty proclaim, We are witnesses for Jesus In the haunts of sin and shame. We are witnesses for Jesus In the lands beyond the sea, Where the millions bound by evil Have no hope of liberty; As we tell the gospel tidings, Lo! the captives are set free; We are witnesses for Jesus In the lands beyond the sea. Tell the world, O tell the world! Make salvation's story heard In the highways, in the byways, And in lands beyond the sea, Do some witnessing for Jesus Wheresoever you may be. We are witnesses for Jesus In the home and in the mart, Where the cares of life and fashion Crowd the Saviour from the heart; When we urge his claims with wisdom Many choose the better part; We are witnesses for Jesus In the home and in the mart. Great is thy faithfulness, O God my Father, There is no shadow of turning with thee; Thou changest not, thy compassions they fail not; As thou hast been thou forever wilt be. Summer and winter, and springtime and harvest, Sun, moon and stars in their courses above, Join with all nature in manifold witness To thy great faithfulness, mercy and love. Great is thy faithfulness! Great is thy faithfulness! Morning by morning new mercies I see; All I have needed thy hand hath provided; Great is thy faithfulness, Lord, unto me. Pardon for sin and a peace that endureth, Thy own dear presence to cheer and to guide; Strength for today and bright hope for tomorrow, Blessings all mine, with ten thousand beside! Great is thy faithfulness! Great is thy faithfulness! Morning by morning new mercies I see; All I have needed thy hand hath provided; Great is thy faithfulness, Lord, unto me. And they grew... Vocal Selection Benediction On February 10, 1978 in Lewiston, ME Chuck & Barb Kelly Response Commissioner Israel L. Gaither each into their own person. A baby was born to Tom & Betty Oliver in Kittanning, PA on February 11, 1947. Major Robert Reel Song: To God Be The Glory and they began their life together Song: To God Be The Glory Captain Elvie Carter Video of Grandkids The ugly one is Chuckie "But you will receive power when the Holy Spirit comes on you; and you will be my witnesses in Jerusalem, and in all Judea and Samaria, and to the ends of the earth." Acts 1:8 Tell Us A Story Major Donald Berry , Barbara Jean Oliver A few years later, Charles Patrick Kelly arrived in Berlin, NH. Find Us Faithful Welcome Song: We Are Witnesses for Jesus Tell the world, O tell the world! Make salvation's story heard In the highways, in the byways, And in lands beyond the sea, Do some witnessing for Jesus Wheresoever you may be. Song: To God Be The Glory Major Lynette Reel Prayer of Dedication Tell Us A Story and they met... Commissioner Eva D. Gaither Great is thy faithfulness! Great is thy faithfulness! Morning by morning new mercies I see; All I have needed thy hand hath provided; Great is thy faithfulness, Lord, unto me. Service of Retirement Tell the world, O tell the world! Make salvation's story heard In the highways, in the byways, And in lands beyond the sea, Do some witnessing for Jesus Wheresoever you may be. Major Susan Hinzman Kathleen Marie joined the clan. Major Vicki Berry Barbara Kelly Sharp Chorus in Frankfort, KY The Faith of Our Parents Great Is Thy Faithfulness And his little brother Dickie. Prayer Charles Howard Kelly in Erie, PA. Majors Dick & Sis Gulley Major William Groff Meet The Family Great Is Thy Faithfulness A few months later on April 24, 1947 Charles & Ella Mae Kelly welcomed Song: We Are Witnesses for Jesus Chorus Reflections from Sessionmates Majors Phil & Connie DeMichael Song: We Are Witnesses for Jesus On March 9, 1971, Kristina Erin was born Reflections of a Former Soldier Reflections from Friends Witnessing Faithfully February 25, 1974 Great Is Thy Faithfulness

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