LIVING IN RETIREMENT: STAYING ON TRACK & MAKING YOUR INCOME LAST Congratulations-you've made it to retirement! As you enjoy this phase of life, maintaining your lifestyle and planning for your wishes for your assets depends on decisions and actions you put in place now. We're here to help. Here are some things to consider and questions to ask yourself to help you enjoy retirement, make your income last, and provide for your loved ones in the future. CONSIDER YOUR GOALS, WISHES, KNOW YOUR BE SMART WITH SAVING AND PRIORITIES NUMBERS AND INVESTING How would you like to leave your legacy? Are you taking Social Security yet? If not, when should you? Have you rolled over your 401k)? Have you reviewed your will? Is it up-to- date and reflecting your current wishes? Have you checked in on your portfolio? Is it aligned with your retirement income strategy? Have you taken your retirement savings account's Required Minimum Distributions (RMDS)? If not, what are your options and requirements? Do you have beneficiaries appointed for all eligible accounts/assets? If so, are they accurate and up-to-date? Are you taking on too much risk? Has your risk tolerance changed since you retired? Does your portfolio reflect your preferred risk tolerance? What are the tax implications of your retirement residence? (ie, state Social Security, income, and sales tax rates) Are there any charities or causes you would like to contribute to? Are you drawing down your assets in the most tax-efficient approach? Are you receiving Medicare coverage? Do you need supplemental coverage? THE FAMILY Have you considered insurance options to help protect your retirement income from potential health and long-term CONVERSATION Have you check-in on your retirement budget and income? Do you have any dependents that count on you for personal or financial support? care costs? Did you allocate your expenses accurately? Are you making charitable contributions in the most tax-efficient way? Do you have any children or grandchildren who will have education expenses you would like to help fund during retirement? Do you need to make any adjustments? If your spouse passes away, will you still get their Social Security or pension benefits? How might your needs change? h does not consttute tax, leor accounting advice for tax gal or accounting adice please contact the approprite professional This is orinfamative purposes anly and in no evet should be cotrued as a representation by us or as an offer to sel, or solctation of an offer to buy any securities. The factual infomation given heein s taken fom souces that we beleve to be selable but s not guaranteed by s as to acuacyor completeness Opinions epressed are subject to change without notioe and do not take into account the partiolar investmert objectives financal stuation, or needs of individual investors Employees of aney Montgomery Seon uCor ts tes may at times releine witen or oa commentary, bechnical analysis or badng stateges tht dfer from the opinions expressed within Copyright 2019 THE STIRLING GROUP The Stirling Group was founded on a simple belef that everyone's economic and life situation is unique. We keep that simple principle at the forefront when creating tailored financial plans for our clients. As veteran Financial Advisors, we have vast experience researching the marketplace and advising our clients on the products and services that best meet their needs We are dedicated to learning about your personal goals, and together we will use that information to build a solid financial plan focused on your specific needs. Monmery Son LLC Jn Janney THE STIRLING GROUP AT JANNEY MONTGOMERY SCOTT LLC 2200 Georgetowne Drive, Sute 400, Sewickley, PA 15143 www.TheStirlingGroupAdvisors.com 1724.934.2953 1 in oANNEY MONTGOMERY SCOT LUC EMBER NYSE, FNRA SPC Www.uEYCOM Like LIVING IN RETIREMENT: STAYING ON TRACK & MAKING YOUR INCOME LAST Congratulations-you've made it to retirement! As you enjoy this phase of life, maintaining your lifestyle and planning for your wishes for your assets depends on decisions and actions you put in place now. We're here to help. Here are some things to consider and questions to ask yourself to help you enjoy retirement, make your income last, and provide for your loved ones in the future. CONSIDER YOUR GOALS, WISHES, KNOW YOUR BE SMART WITH SAVING AND PRIORITIES NUMBERS AND INVESTING How would you like to leave your legacy? Are you taking Social Security yet? If not, when should you? Have you rolled over your 401k)? Have you reviewed your will? Is it up-to- date and reflecting your current wishes? Have you checked in on your portfolio? Is it aligned with your retirement income strategy? Have you taken your retirement savings account's Required Minimum Distributions (RMDS)? If not, what are your options and requirements? Do you have beneficiaries appointed for all eligible accounts/assets? If so, are they accurate and up-to-date? Are you taking on too much risk? Has your risk tolerance changed since you retired? Does your portfolio reflect your preferred risk tolerance? What are the tax implications of your retirement residence? (ie, state Social Security, income, and sales tax rates) Are there any charities or causes you would like to contribute to? Are you drawing down your assets in the most tax-efficient approach? Are you receiving Medicare coverage? Do you need supplemental coverage? THE FAMILY Have you considered insurance options to help protect your retirement income from potential health and long-term CONVERSATION Have you check-in on your retirement budget and income? Do you have any dependents that count on you for personal or financial support? care costs? Did you allocate your expenses accurately? Are you making charitable contributions in the most tax-efficient way? Do you have any children or grandchildren who will have education expenses you would like to help fund during retirement? Do you need to make any adjustments? If your spouse passes away, will you still get their Social Security or pension benefits? How might your needs change? h does not consttute tax, leor accounting advice for tax gal or accounting adice please contact the approprite professional This is orinfamative purposes anly and in no evet should be cotrued as a representation by us or as an offer to sel, or solctation of an offer to buy any securities. The factual infomation given heein s taken fom souces that we beleve to be selable but s not guaranteed by s as to acuacyor completeness Opinions epressed are subject to change without notioe and do not take into account the partiolar investmert objectives financal stuation, or needs of individual investors Employees of aney Montgomery Seon uCor ts tes may at times releine witen or oa commentary, bechnical analysis or badng stateges tht dfer from the opinions expressed within Copyright 2019 THE STIRLING GROUP The Stirling Group was founded on a simple belef that everyone's economic and life situation is unique. We keep that simple principle at the forefront when creating tailored financial plans for our clients. As veteran Financial Advisors, we have vast experience researching the marketplace and advising our clients on the products and services that best meet their needs We are dedicated to learning about your personal goals, and together we will use that information to build a solid financial plan focused on your specific needs. Monmery Son LLC Jn Janney THE STIRLING GROUP AT JANNEY MONTGOMERY SCOTT LLC 2200 Georgetowne Drive, Sute 400, Sewickley, PA 15143 www.TheStirlingGroupAdvisors.com 1724.934.2953 1 in oANNEY MONTGOMERY SCOT LUC EMBER NYSE, FNRA SPC Www.uEYCOM Like