8008 Corporate Center - Suite 115 
Charlotte, North Carolina , 28226


Private Wealth Management For Select Individuals

Families

The Rules Have Changed

For the baby boomers, this is not your parents’ retirement

  • Pensions have all but disappeared
  • More expenses coupled with longer life expectancy
  • Compounding factor of economic uncertainty

Investors must have a clear understanding of today’s most common retirement concerns

  • Health care
  • Housing
  • Investment volatility
  • Inflation
  • Rising taxes
  • Working in retirement

How can you gain perspective and uncover hidden opportunities behind these concerns?  By working with a financial advisor, you and I are able to discuss strategies to help you address and plan for the unseen issues you will face in retirement.

Consider the following:

  1. Will your savings be enough?

    • A person who turns 65 in 2015 is expected to live 18 more years1
    • A $60,000 per-year lifestyle today will cost approximately $120,000 in 20 years2

    1 OASDI Trustees Report, 2010
    2 NewRetirement.com, “Inflation Can Devastate Even a Good Retirement Plan,” 2011

  2. How much will my future income be affected by taxes?

    • Scheduled expiration of Bush-era tax cuts in 20121
    • Further tax increases likely
      • Current rates at 70-year lows
      • Federal deficit projected to hit $1.6 trillion2

    1 Andrew Friedman, “Investing in a Rising Tax Environment,” 2010
    2 www.usgovernmentspending.com

  3. What if the markets look like this during the first year(s) of YOUR retirement?

    Questions:

    • Could your current portfolio withstand a decline of more than 15-20% in the markets?
    • Do you know which asset classes should be in favor and most likely outperform if the broader markets decline substantially?
    • Have you stress tested your portfolio for these very real conditions?

Securities and Advisory Services Offered through Prospera Financial Services, Member FINRA/SIPC.

If you are receiving solicitations to buy or sell products from TCA Financial Group outside of North Carolina, please do not respond. We are located only in North Carolina with no TCA Financial representatives outside of this state.

 

 

 

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