finding something that can’t be seen! understanding the atom farmington jr. high mr. pratt
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F I N D I N G S O M E T H I N G T H AT C A N ’ T B E S E E N !
UNDERSTANDING THE ATOM
FARMINGTON JR. HIGHMR. PRATT
ONLINE TEXTBOOK: CHAPTER 3Understanding the Atom
Lesson 1: Discovering Parts of an Atom
USOE Objective: Describe the structure of matter in terms of atoms and molecules.
LEARNING OBJECTIVESPeople in their 30s who are finishing student loan and credit card
payments…
People in their 40s who are saving for retirement and planning for education costs…
People in their 50s who are saving for retirement and paying for college…
People in their 60s who are “officially” retiring from work…
Everyone!
Atom
Nucleus
Electrons
ProtonsNeutrons
Electron Cloud
HOW DID WE GET TO OUR CURRENT UNDERSTANDING?
Atomic Theory
Early Atoms
Today’s Model
ASSIGN INVESTMENT GOALS
Pre-Retirement(Phase I)
Accumulation
Long-term growth
Consistent savings
Time to recover
Post-Retirement(Phase II)
Distribution
Current income
NO savings
Lack of recovery time
Written Financial Plan
JOHN DALTON (1766-1844)
One of the first to build on Democritus’ model of matter.
All matter is made of atoms that…Determined atoms cannot be divided, created, or destroyed.
Cannot be converted into atoms of another element.
Are identical to other atoms of the same element.
Are different from atoms of another element.
Combine in specific ratios.
Dalton’s Model
UNDERSTANDING RISK/REWARDRisk Planning
RISK
REWARD
Cash Income Growth
Cash Income Growth
HIG
HLOW
HIERARCHY OF INVESTMENT SAVINGS
Taxable InvestmentsFund brokerage account
Max out 401kMax out 401k
Roth IRAFully fund Roth IRA
Match 401kMatch employer contributions
Emergency Cash Savings3-6 months fixed expenses
Accumulation
YOUR BUCKETS…
Cash• Emergency needs• Sleep-well-at-night cash
Income• Manage volatility• Ensure you are generating
enough income to live on
Growth• Counter inflation and
appreciate capital over time
Bucket Approach
Cash Income Growth
YOUR BUCKETS…
Cash• Emergency needs• Sleep-well-at-night cash
Income• Manage volatility• Ensure you are generating
enough income to live on
Growth• Counter inflation and
appreciate capital over time
Fill Buckets
GrowthIncomeCash
“Know what you have and why you need it…”
IncomeGrowthCash
MANAGE YOUR ALLOCATIONPHASE I
Cash•Emergency needs
•Sleep-well-at-night cash
Income•Ensure you are generating enough income to live on
Growth•Counter inflation and appreciate capital over time
Monitor & Review Your Progress
MANAGE YOUR ALLOCATIONPHASE II
“Know what you have and why you need it…”
IncomeGrowthCash
Cash•Emergency needs
•Sleep-well-at-night cash
Income•Ensure you are generating enough income to live on
Growth•Counter inflation and appreciate capital over time
ECONOMIC/INVESTMENT DATA
Year 1 Year 2 Year 3 Year 401234567 Insert Your Own Timely Data
BondsCashStocks
Retu
rns
SUCCESSFUL RETIREMENT Assess what phases of the investment cycle you have accomplished…
If you’re ready to move forward, you can visit Fidelity, Schwab, Vanguard, or [insert firm name] for help.
Don’t feel comfortable working alone? Visit www.napfa.org to locate a Fee-Only Advisor in your area.
Wes Moss, CFP®Chief Investment StrategistCapital Investment Advisors, Inc.200 Sandy Springs Place, Suite 300Atlanta, GA 30328404-531-0018www.yourwealth.com
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