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 1. GUIDE TO RETIREMENT

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GUIDE TO RETIREMENT

As part of our Retirement Insights program, the Guide to Retirement serves as a
valuable source of information on retirement topics and provides a strong
backdrop for planning discussions.

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INTRODUCTION

1-COVER PAGE

2-PAGE REFERENCE










INTRODUCTION

1-COVER PAGE

2-PAGE REFERENCE








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TABLE OF CONTENTS

 * Introduction
   1. 1Cover Page
   2. 2Page reference
 * Retirement Landscape
   1.  3The retirement equation
   2.  4Life expectancy probabilities
   3.  5Changes in lifestyle
   4.  6Older Americans in the workforce
   5.  7Managing expectations of ability to work
   6.  8Percentage of households with a pension
   7.  9Social Security timing trade-offs
   8.  10Claiming Social Security: decision tree
   9.  11Maximizing Social Security benefits: maximum earner
   10. 12Social Security benefit claiming considerations
 * Saving
   1.  13Retirement savings checkpoints Household income (≤90k Annual savings
       rate 5%)
   2.  14Retirement Saving checkpoints Household income (≥$100k Annual savings
       rate 10%)
   3.  15Income replacement needs vary by household income
   4.  16Annual savings needed if starting today ≤90k
   5.  17Annual savings needed if starting today ≥$100k
   6.  18Historical annual savings rate
   7.  19Benefit of saving and investing early
   8.  20Evaluate a Roth at different life stages
   9.  21Maximizing an HSA for health care expenses
   10. 22Diversified sources of retirement funding
   11. 23"The Prosperous Retirement": theoretical spending profile
 * Spending
   1.  24Changes in spending
   2.  25Changes in spending: partially and fully retired households
   3.  26Spending and inflation
   4.  27The 4% rule: projected outcomes vs. historical experience
   5.  28Dollar cost ravaging: timing risk of withdrawals
   6.  29Mitigating dollar cost ravaging: dynamic spending
   7.  30Health care costs for retirees before age 65
   8.  31Marketplace plan costs usually increase with age
   9.  32Three steps for Medicare coverage
   10. 3365 and working: Should I sign up for Medicare?
   11. 34Rising health care costs in retirement
   12. 352022 Monthly Medicare Surcharges
   13. 36Long-term care planning
   14. 37Disability incidence increases with age
   15. 38Median cost of a home health aide
   16. 39Long-term care planning options
 * Investing
   1. 40Goals-based wealth management
   2. 41Structuring a portfolio in retirement: the bucket strategy
   3. 42Structuring a portfolio to match investor goals in retirement
   4. 43Retirement profiles by planning outcome
   5. 44Impact of being out of the market
 * Defined Contribution
   1. 45Tax implications for retirement savings by account type
   2. 46Prioritizing long-term retirement savings
   3. 47The benefits of auto-escalation
   4. 48The toxic effect of loans and withdrawals
 * Reference
   1. 49Traditional IRAs vs. Roth IRAs: 2021/2022
   2. 50Retirement plan contribution and deferral limits: 2021/2022
   3. 51A closer look at tax rates: 2022
   4. 52J.P. Morgan Asset Management – Index definitions & disclosures
   5. 53Privacy Disclosures
 * On the Bench
   1.  54Cover Page
   2.  55Estimated life expectancy at age 50 by income quintile
   3.  56Retirement plan coverage
   4.  57Retirement plan access
   5.  58Potential impact of taxing Roth investment growth
   6.  59Maximizing SS benefits: average earner
   7.  60Historical income tax rate
   8.  61Roth conversion? Factors to consider
   9.  62Maximizing an HSA for health care expenses
   10. 63The power of tax-deferred compounding
   11. 64Changes in spending: fully retired households ($1m - $3m)
   12. 65Changes in spending ($3m+)
   13. 66Changes in spending: partially and fully retired households ($3m+)
   14. 67Changes in spending: fully retired households ($3m+)
   15. 68Spending and Inflation
   16. 69The benefits of diversified investing
   17. 70Effects of withdrawal rates and portfolio allocations
   18. 71Effects of withdrawal rates and portfolio allocations
   19. 72Variation in Medicare Advantage costs
   20. 73Median annual nursing home cost
   21. 74Median annual assisted living cost
   22. 75Median daily adult day care cost
   23. 76Life plan communities
   24. 77Evaluate options before tapping retirement savings
   25. 78Medicare costs increase due to age and inflation
   26. 79The "charitable IRA rollover"
   27. 80Impact of missing the best 10 days in the market
   28. 81Impact of missing the best 10 days in the market
   29. 82Sequence of return risk: lump sum investment
   30. 83Sequence of return risk: retirement saving and spending
   31. 84Maximize your match
   32. 85Options to consider when retiring or changing jobs
   33. 86Power of attorney and asset transfer considerations
   34. 87Mitigating the effect of loans and withdrawals
   35. 88Is an annuity right for you?
   36. 89J.P. Morgan Asset Management – Index definitions & disclosures
   37. 90Privacy standards

 * Introduction (2)
 * Retirement Landscape (10)
 * Saving (11)
 * Spending (16)
 * Investing (5)
 * Defined Contribution (4)
 * Reference (5)
 * On the Bench (37)
 * Jump to


COVER PAGE

Guide to Retirement




SLIDE ACTIONS

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Updated annually, the award-winning* Guide to Retirement provides an effective
framework for supporting your retirement planning conversations with clients. It
includes charts and graphs to help you explain complex topics in a clear and
concise manner. A description and audio commentary are available for every
slide.



DOWNLOAD THE GUIDE TO RETIREMENT PPT

Access the Guide to Retirement PowerPoint presentation.

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RETIREMENT PRINCIPLES

The Principles of a successful retirement presentation uses select slides in the
award-winning Guide to Retirement to help you simplify the complex for your
clients and help them make informed decisions.

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ON THE BENCH

Need more Guide to the Retirement? Access an additional collection of Guide to
the Retirement slides, updated on a yearly basis.

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J.P. Morgan Asset Management

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