Learn how to:• Evaluateinvestmentrisks

• Usenewtaxlawstoyouradvantage

• Accessyourretirementfundsearly

• TakeadvantageofnewopportunitiescreatedbyRothIRAlegislation

• Properlyallocateassetswithinyouremployerretirementplan

•Selecttheretirementplandistributionchoicethatisrightforyou

• Transfertheriskofpotentialfinanciallossesbeforeorduringretirement

• Planyourretirementincometopreserveyourstandardofliving

• Reduceoreliminatetaxes,expenses,delaysandlegalchallengeswithestateplanning

Sponsoredby...

ABCUniversity

Course Locations Dates & TimesMain Campus Saturdays5500N.St.LouisAvenue March21&28Chicago,IL60625 9:00a.m.to12:00noon

— OR —

XY Z High School Tuesdays2501W.AddisonStreet March24&31Chicago,IL60618 6:30p.m.to9:30p.m.

LOGO HERE

Retirement Planning Today®

A Course on Investments, Retirement & Estate Planning for Adults — Ages 50 to 70

2 Copyright©2009,FinancialEducatorsNetwork

Education for Life

Discover more about

planning a secure

retirement than most

people learn in a lifetime.

The Value of EducationThekeytolong-termfinancialsuccess,ingoodandbadeconomictimes,islearninghowtomakebetterfinancialdecisions.Yetweallknowhowdifficultitcanbetofindconcise,reliableinformationthatcanmakeadifference.Thiscomprehensivecourseblendsthemostrecentlegislativechangeswithtime-testedfinancialstrategiestohelpyouplanyourfuturewithconfidence.

Retirement PlanningIfyoudidn’treceiveamoneymanagementclassinhighschoolorcollege,youarenotalone.Thiscoursebridgestheeducationalgapbyfocusingonretirementplanningissuesandcriticaldecisionsyoumustmake,thatinsomecases,cannotbereversed.

Importantdecisionsrequiretherightinformation,whichcanbetime-consumingtogatheranddifficulttounderstand.Byattendingthiscourse,youquicklylearnhowtoestimatefutureretirementexpenses,comparewaystosaveforretirementandselecttheretirementplandistributionchoicethatisrightforyou.Weprovideyouwithstrategiesdesignedtosavemoneyontaxes,manageinvestmentrisksandprotectyourassetswithinsuranceandestateplanning.Aboveall,youdiscoverhowtoapplythisknowledgeandimplementthesestrategiestohelpachieveyourretirementgoals.

Life PlanningSinceittakesmorethanmoneytolivea“richlife,”youbegintheclassbyexploringthenon-financialaspectsofretirementplanning.Whileoftenoverlooked,thisprogressiveapproachhelpsyoutodefineyourideaofretirementsoyoucanfinanciallypreparetocreatethelifestyleyouwant.

Who Should AttendThisclasscontainssomethingforeveryone.Weaddressfinancialissuesthatpertaintocorporateandgovernmentemployeesaswellastheself-employed.Thecourseisdesignedtosaveyoutimeandhelptoassessyourfinancialsituation,makeaplanforretirementorre-evaluateyourcurrentplan.Whetheryouplantoretire20yearsfromnoworhavejustrecentlyretired,theinformationyoulearninthisclasscandeliverrewardsthroughoutyourlifetime.

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10 Reasons to Enroll Today!You have an IRA or a company retirement plan – 401(k), 403(b), 457(b): DiscoverhowyoucanbenefitfromnewopportunitiescreatedbyRothIRAlegislation.

You are concerned about investment risk:Learnabout7differenttypesofrisk,5risk-managementstrategiesandthemanytypesoflow-riskinvestmentsthatareavailable.

You are considering changing jobs or retiring: Evaluatetheprosandconsofleavingmoneyinanemployer-sponsoredplan.We’llalsocompareretirementplandistributionchoices,theirimpactontaxesandfinancialflexibilityinretirement.

You want to save money on taxes: Learnhowtax-planningstrategiescaninfluenceyourdecisionsaboutinvestments,IRAs,employer-sponsoredplans,retirementplandistributions,estateplanningandmore.Youalsolearn11strategiestosavemoneyonthisyear’staxes.

You are so busy you only dream about retirement: Exploringhowyouwillspendyourtimeandmoneyinretirementwillhelpyoupictureyourlifestyleanddeterminehowmuchmoneyyoumayneed.

You have company stock within your retirement plan: Learnhowanoften-overlookedprovisioninthetaxlawmayprovidesignificantincometaxsavingswhenyouchangejobsorretire.

You want your IRA accounts to grow and avoid tax penalties:WeexplainIRSrulesforRequiredMinimumDistributionsfromretirementaccountsandhowtocreatea“StretchIRA”toprovideincomeandmaximizefuturegrowthpotentialofyourlegacyformultiplegenerationsofbeneficiaries.

You want to avoid a large financial loss before or during retirement: Findoutwhatquestionstoaskbeforebuyinginsurance.

You need early access to your retirement funds: Learntherulesforaccesstoyourretirementaccountsandexploreyouroptionswithtax-efficiencyandflexibilityinmind.

You have been procrastinating about creating or updating your estate plan: Explorehowyourestateplanaffectsyouandyourlovedoneswhileyouarestilllivingandhowtocreateafinanciallyefficientestateforthefuture.

Most people must make crucial decisions about their retirement plans when they retire. In many cases, these decisions cannot be reversed.

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Course OutlineLife Planning for Retirement• Howretirementhaschanged• Defineyourideaofretirement• Valuesandobjectivesinnineareasoflife• Theretirementplanningprocess

Retirement Needs & Expenses• Earlyretirementtrends• Howlongmustyourmoneylast?• Inflation,purchasingpowerandtaxes• Retirementexpectations• Howmuchwillyouneedtoretire?• Canyouretiretoday?

Retirement Roadblocks & Mistakes• Tenretirementplanningmistakes• Financialandcash-flowstatements• Creditanddebt• Taxesandmarginaltaxrates• Elevenstrategiestosavemoneyontaxes• Taxableinvestments• Capitalgainsincometaxexclusion• Investmentswithtaxadvantages

Retirement Income Sources• TraditionalIRAs• RothIRAs• IRAtoRothIRAconversions• Otherretirementincomesources• SocialSecurityeligibilityandbenefits• EmploymentincomeandSocialSecurity• Employer-sponsoreddefinedbenefitplans• Employer-sponsoreddefinedcontributionplans• Choosingyourbeneficiaries

Retirement Plan Distributions• Retiringorchangingjobs?• Definedbenefitandcontributionplans• Fourimportantconsiderations• IRAtransfers• Advancedtax-savingstrategies• Annuityincomeandchoices• Pensionmaximization• Earlyretirementconsiderations• Requiredminimumdistributions• StretchIRAs

Investments• Considerationsbeforeyouinvest• Cashaccounts• Stocksandbonds• Mutualfunds• Exchangetradedfunds• Unitinvestmenttrusts• Individuallymanagedaccounts• Tax-deferredannuities• Annuitywithdrawalchoices• Investmentriskmanagementstrategies

Risk Management & Asset Protection• Disabilityincomeinsurance• HealthinsuranceandMedicare• Long-termcareandinsurance• Comparinglifeinsurance

Estate Planning• Planningforincapacity• Taxes• Awillmaynotbeenough• Probate• Giftingassets• Jointownershipofproperty• Directtransferassets• Typesoftrusts• Benefitsoftrusts

Thispresentationshouldnotbeusedasabasisforlegaland/ortaxadvice.Inanyspecificcase,thepartiesinvolvedshouldseektheguidanceandadviceoftheirownlegalandtaxcounsel.Estateplanningisdoneinconjunctionwithyourestateplanningattorney,taxattorneyand/orCPA.

Learn how to avoid the

10 biggest retirement

planning mistakes.

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1The6%yieldishypotheticalanddoesnotrepresentanyparticularinvestment.

Note:Potentialpensionincomeand/orSocialSecuritybenefitsarenotrepresentedinthisillustration.Eachinvestor’s

resultswillvaryfromtheseshownasinvestinginvolvesrisk,fluctuatingreturnsandthepossibilityofloss.

Can You Retire Today?Are you ready to retire today? Let’s see if you are financially prepared. Thechartbelowshowstheretirementsavingsyouneedtodaybasedonyourlifeexpectancyandtheamountofannualincomeyouneedduringretirement.

Course Preview

Assumptions: •6%annualyieldonbalance(average)1

•3%inflationrate

•Savingsamountisfullyinvested

•Principalis$0atendoflife

$30,000 $40,000 $50,000 $75,000 $100,000

30 $612,032.35 $816,043.14 $1,020,053.92 $1,530,080.89 $2,040,107.85

25 $542,881.77 $723,842.36 $904,802.94 $1,357,204.42 $1,809,605.89

20 $463,056.74 $617,408.98 $771,761.23 $1,157,641.85 $1,543,522.46

15 $370,909.51 $494,546.01 $618,182.52 $927,273.77 $1,236,365.03

10 $264,537.96 $352,717.28 $440,896.60 $661,344.90 $881,793.20

5 $141,746.35 $188,995.14 $236,243.92 $354,365.88 $472,487.84

Yearstolive

Savings needed to retire, given a number of years to liveand annual income desired (in today’s dollars)

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What You Receive

You work hard to improve

the quality of your life but

rarely get the chance to make

a difference. Enroll today!

ClassroomInstruction RetirementPlanningToday®isbothentertainingandinformative.Classroomsessionsareinstructedbyaqualifiedfinancialprofessionalwhoenhancesthepresentationwithstoriesofreal-lifeexperiences.Attendeesenjoytheinteractivelectureformatwhereparticipationandquestionsareencouragedbutnotrequired.

Course TextbookThiscourseincludesa230-pagetextbookfilledwithexamplesandillustrations.Ithelpsyoufollowalongwiththeclassroompresentationandisyourstokeep.Writtenineasy-to-understandterms,yourworkbookhelpsyoulearnmoreaboutthefinancialconceptsdiscussedinclass,providesastep-by-stepprocesstoapplyyourknowledgeandbecomesausefulreferencetoolafterthecourseiscomplete.

ObjectiveEducationUnlikefinancialseminarsthatfocusonaspecifictopic,thiscomprehensivecoursehelpsyouseethe“bigpicture.”Itexaminesmanyaspectsofpersonalfinanceandhowtheycanworktogethertocreateanintegratedretirementplan.Thiscourseiseducationalandnon-commercial.Nospecificfinancialproductsarediscussedorsold.

OptionalConsultation Ifyouhavefinancialquestionsthatarepersonalinnatureorrelatetospecificfinancialproducts,youmayarrangetomeetprivatelywithyourinstructorafterthecourseiscomplete.Thisconsultationiscomplimentaryforclassattendeesbutisnotrequired.

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How to Register

Your InstructorYourinstructorisJohnM.Doe,ChFC,CLU,aRegisteredRepresentativeandInvestmentAdvisoryRepresentativewithWorldEquityGroup,Inc.,MemberFINRA,SIPCandaRegisteredInvestmentAdvisor.Supervisoryoffice: 1650N.ArlingtonHeightsRd.,Ste.100,ArlingtonHeights,IL60004.(847)342-1700.

Course Locations Dates & TimesMain Campus Saturdays5500N.St.LouisAvenue March21&28Chicago,IL60625 9:00a.m.to12:00noon

— OR —

XY Z High School Tuesdays2501W.AddisonStreet March24&31Chicago,IL60618 6:30p.m.to9:30p.m.

3 Easy Ways to RegisterCalltheuniversitytodayat000-000-0000withquestionsortoregister.WeacceptVisa,MasterCard,AmericanExpressandDiscover.

Completetheregistrationformandmailwithyourtuitionpayment.Pleaseprovidecreditcardinformationormakecheckpayableto:ABCUniversity.

MailingAddress:ABCUniversity5500N.St.LouisAve.Chicago,IL60625

FaxtheregistrationformalongwithyourcreditcardinformationtoFax:000-000-0000

Registration Form:ABC University Course: Retirement Planning Today

Iwillattend: q Saturdayclasses–Course#100001q Tuesdayclasses–Course#100002

YourName: _________________________________________________________________

YourAddress: _________________________________________________________________

City,State,Zip: _________________________________________________________________

DaytimePhone: ______________________EveningPhone:____________________________

q Iambringingmyspouseorguestatnoadditionalcharge. Tuitionincludesoneworkbook.

Nameofspouseorguest:_________________________________________

Tuition: $49(advanceregistrationisrequired)

Iampayingby: qCheck(Makecheckpayableto:ABCUniversity) qVisaqMasterCardqAmericanExpressqDiscover

Creditcardnumber: _______________________________________________________

Expirationdate: _____________

Nameoncreditcard: ______________________________________________

Creditcardbillingaddress: ______________________________________________

Cardholdersignature: ______________________________________________

Class sizes are limited so register today!

Advance registration is required.

Pg.5Take the Quiz —

Can You Retire Today?

What You Receive Pg.6

Course Outline Pg.4

Retirement Planning Today®

A Course on Investments, Retirement & Estate Planning for Adults — Ages 50 to 70

PRSTSTDU.S.Postage

PAIDFMT50322

Sponsoredby...ABC University

Main Campus SaturdaysMarch21&289:00a.m.to12:00noon

— OR —

XYZ High SchoolTuesdaysMarch24&316:30p.m.to9:30p.m.

ABCUniversity5500N.St.LouisAvenueChicago,IL60625

Requestedinhome:2/26,2/27,2/28

Look inside for more information...

Table of Contents:

Retirement Planning Today®

MakeLifelongLearningWorkforYou™

Pg.2The Key to Long-Term

Financial Success

10 Reasons Why You Should Enroll Pg.3

You went to school to prepare for your career.

Now it’s time to prepare for your retirement.