Beruflich Dokumente
Kultur Dokumente
of Medicare
Tracy Simms
Important Notice:
This is a hypothetical illustration based on real life
examples. Names and circumstances have been
changed. The opinions voiced in this material are
for general information only and are not intended
to provide specific advice or recommendations for
any individual. To determine which investments or
strategies may be appropriate for you, consult
with a financial advisor prior to investing.
Puplava Financial Services, Inc.
Registered Investment Advisor
ESSENTIAL INFORMATION
Client:
Tracy Simms.
Ages:
Tracy is 64.
Retirement:
Life expectancy:
Age 95.
Risk tolerance:
Moderately conservative.
Investment objective:
WHO IS
TRACY
SIMMS?
Name: Tracy
Age: 64
Job: Project Manager
Tracy is nervous about planning for retirement since she is divorced and will be
supporting herself, as well as trying to live the lifestyle she has hoped for. Tracy is also
concerned about her healthcare costs since she has a long life expectancy.
Maximizing
retirement income
Affording the increasing
costs of healthcare
Creating
a legacy
Essentials:
Discretionary:
$42,000
$25,000
TOTAL:
$67,000
Salary:
$93,000
Surplus:
$26,000
Essentials:
Discretionary:
$36,000
$12,000
TOTAL:
Pension/Social Security:
Shortfall:
$48,000
$28,000
-$20,000
TRACYS ASSETS
Non-Investment Assets
Real Estate:
$460,000
Investment Assets
Tracys Retirement:
Tracys Trust:
Tracys Cash:
Total Investment Assets
$590,000
$170,000
$80,000
$840,000
-$156,000
Net Worth:
$1,144,000
1.
2.
3.
4.
$28,000
$18,290
Tracys Trust
$4,250
$22,540
Investment Income
$170K
1 & 2: Yields are for current portfolio yields as of 9/20/16. Please see disclosures at the end of this presentation for security risks.
Strategy
Managing expenses.
Creating a legacy.
Disclosures:
1. Bonds are subject to market and interest rate risk if sold prior to maturity.
Bond values will decline as interest rates rise and bonds are subject to
availability and change in price.
(858) 487-3939
Were happy to speak with you.