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Retirement Presentation

Transcript: I want to be financially stable 12 dogs a nice home with a lot of land provide for my family retire at 65/ 70 Aaron Polanco anticipated lifestyle Undergraduate/ graduate studies After attending and graduating from pharmacy school, you must continue on to obtain the appropriate license from the state in which you are hoping to practice as a pharmacist. This process of obtaining a license generally requires you to have a Pharm.D. degree and to pass certain examinations, as well as to have a designated number of hours of practice work achieved through your courses or residency. To be eligable to be a licensed pharmacist in Texas be at least 18 years of age obtain a B.S. in Pharmacy or Pharm.D. take and pass both NAPLEX and MPJE completed 1500 hours of board approved internship Transfer plan Grad school / Pharmacy School Four academic years in the professional program The annual tuition at University of the Incarnate Word - Feik School of Pharmacy is $35,185 for in-state students, The corriculum for pharmacy school includes: Pharmaceutics, Drug information, Pharmacy calculations, Biochemistry Testing and Licensing Pharmacists dont just count pills all day thet also, Educate patient on medication use, storage and side effects. inform patients about past and current medication to prevent drug interactions Collaborate with other doctors to monitor, review and evaluate treatment effectiveness with patients. Analyze prescribing trends to monitor patient compliance and to prevent excessive usage or harmful interactions. Dispense and review prescriptions to ensure accuracy, and compliance with professional, state and federal regulatory requirements. Pharmacy job outlook Retirement Presentation Transfer to The University of Incarnate Word with my major as Biology in the Pre-pharmacy program at least a GPA 2.5 Application Transcripts / Letters of recommendation UIW undergraduate tuition 515 /hour UIW graduate school tuition 885 / hour In a 10- year study, Pharmacist as a profession is projected to grow 14% Median pay (Annual) $116,670 Median pay (Hourly) $56.09 Entry Level education: Doctoral or professional degree Various settings to work in Pharmacy Retail Hospital Private preactice Research My Career Three to four years of undergraduate pre-professional (prerequisite) coursework, Study at least one year of general biology, organic chemistry, inorganic chemistry, physics and one semester of statistics, calculus and microbiology Most students need four years to complete their prerequisite courses. usually takes eight years of college study to earn a Pharm.D. and become a pharmacist. Pharmacist / PharmD The Pharm.D. is a professional degree similar to a Doctor of Medicine (MD). As a doctorate, it represents the increasing responsibility pharmacists have in health care systems and the high trust Americans have in pharmacists. After earning a Doctor of Pharmacy degree and passing licensure examinations, College of Pharmacy graduates can practice pharmacy anywhere in the country. (after I pay back loans...) as a Pharmacist

Retirement Presentation

Transcript: The Road Ahead Who I am My name is Brian Sprague, I am an independent Agent licensed in the State of Texas. I am Married to April Archuleta-Sprague, and we are originally from Colorado but we fell in love with Fort Worth and have lived here for the Last 3 years. We have 2 dogs Grey and Duke and we take Photos in our spare time to enjoy the outdoors. WELCOME Licensed Life Agent in Texas What I do License Life and Health Agent (General Lines) I am a designated Fraternal Insurance Counselor I specialize in Social Security benefits, Veterans Benefits, Estate Planning, Retirement planning, and last but not least teacher pensions in the state of Texas. Saving Saving Saving has to start somewhere, If we are truly going to help the next generation saving needs to start when we are born. And it doesn't need to cost an arm and a leg. Insurance Life Insurance Life Insurance can not only be utilized as a Savings Vehicle, but it is the most common thread amongst the worlds most wealthy. Proceeds are paid income tax free, proceeds avoid probate, and due to IRS tax code the GOVT can never know how much money you have in an insurance policy Insurability Birth to age 2 Life insurance on a child can lock in their insurability for years to come 1) Properly place insurance can catapult your child or grand child's life savings 2) Insurance as a savings plan for college 3) why worry about paying for a funeral in the most difficult time of your life Life Insurance when you need it most AGE 2-59 Why are there so many different types of insurance? Why should I buy Life Insurance? Isn't the life insurance I have at work enough? I can do better in the stock market, and a savings account. Term Insurance Term Insurance is the Biggest Bang for your Buck! Term vs Permanent 1) Term is income replacement 2) Term is Temporary 3) Term is the Cheapest 4) All Term ends by age 85 5) there is a less than 2% chance any term policy will ever pay Permanent Insurance Permanent Insurance is Guaranteed to Pay upon your death! Permanent 1)Permanent Insurance has a level Premium 2) Permanent Insurance usually has a cash value 3)Cash inside a policy is income tax free 4) Permanent Insurance is like owning a home and earning equity 5) Permanent Insurance costs more because it is guaranteed to pay upon your death as long as all premium payments are met 6) certain Permanent plans can be tailored to either cash flow or death benefit 7) Proceeds are paid to your beneficiary Income Tax Free and avoid probate Indexed Universal Life IUL Long Term Care Long Term Care Nursing Home Costs can be the Number One killer to a retirement plan 1) Long Term Care is hard to qualify for 2) it is cheaper to buy when you are in your 30's and 40's than it is to buy in your 60's and 70's when you are thinking about it. 3)a person with Alzheimers or dementia can spend north of 10 years in care The Golden Years Age 60-85 1) you are approaching your last opportunity to buy a term policy, and medically qualifying for a permanent policy is increasingly difficult 2) every day you wait to purchase insurance your costs go up exponentially daily 3) Estate Planning- are your beneficiaries up to date, have you updated your will, do you need a trust 4) end of life planning 5) what Legacy will you leave behind? Life/ Health Agent Life Agent Licensed by the State in Life and Health general lines at a min. Can provide financial recommendations as long as they are in line with a fiduciary responsibility Can sell Life Insurance, Disability Insurance, Health Insurance, Long Term Care, and Annuities Many times referred to as a retirement planner Generally specializes in Estate Planning, Social Security Planning, and beneficiary planning. 529 Plan College Saving With a properly positioned college plan your child's future in Private college, state college or technical college can all be paid for in advance so that you don't have to spend your greatest earning years adding an expense US Savings Bonds Savings Bonds The USA has savings bonds that can be purchased, and will mature when your child is estimated to go to college. 1) they are guaranteed 2) they are safe 3)they provide a conservative return on investment Permanent Life Ins Life Insurance Permanent Life can be used as a money multiplier to leverage a little cash over a short period. -You can cash out the policy -You can borrow the cash value or you can turn on a "faucet" that will pay monthly or annual amounts to pay for tuition costs. *Subject to Insurabilty Cash or Credit Cash The way most people pay for college is by paying cash or by borrowing money - Cash costs you 100% and is dollar for dollar -Credit cost more than dollar for dollar and is the biggest reason we have more student loan debt on record than ever before. Neither strategy is a good plan, it is the plan you get with no planning. Lack of knowledge is not a good excuse Well it Depends on your goal What Should I Choose No matter your goal or your dream, rest assured there is a

Retirement Presentation

Transcript: Retirement What is retirement? Retirement is when you complete a certain amount of years of service working and you then can stop working. This usually takes place when you become older. At what age should you start thinking about retirement? Suprisingly, you should start planning during your late teens and early twenties. That could be during your junior and senior years in highschool. Where can you get money for your retirement? One way you can get money for your retirement is by saving your own money. This is very important because money you may recieve from Social Security, etc may not be enough. In order for you to live comfortably when you are older you should plan for retirement. Most people would like to continue living the way they are now when they are older. That means that you would want to continue to go boweling and watch movies. You'll have all that extra time, why not? To be able to do that you should plan to save enough retirement money to to replace 80% of your annual working income. ***Remember saving small amounts of money now is better than saving large amounts of money later. Social security is one way you can recieve money. Social Security, what is it? Social security is set up by the government to provide money for retired workers. When you begin working you pay taxes that go to your social security. At the same time your employer pays the same amount of taxes towards your account. The amount you recieve will depend on how long you worked and how much you earned. Retirement Accounts A retirement account is an investment set up to provide money for you when you retire. You do not pay taxes on the money that you put into the account, which means tax deferred. You pay taxes only when you withdraw that money. **Money that you put into the account is called contribution. **Money that you take out is called distribution. Individual Retirement Accounts Also known as IRAs. An IRA is a personal savings plan that gives you tax advantages for setting aside money for retirement. When you have an IRA account you take part of your income and put it into your account. You do not pay taxes on it until you withdraw it. In order to open an account you must be younger than 70 and a half and have earned income. Roth IRA It is similiar to a traditional IRA. It is an individual retirement account that is tax deferred. If you meet certain requirements the money you draw out for retirement will be tax free. 401 (k) A 401 (k) plan is set up by your employer to help save for your retirement. You put part of your money into the 401 k account. Some employers match the amount you contribute into the account. There is a limit to how much you and your employer contribute into your account each year. Most 401 k withdraws are taxable you must also be 59 and a half or older to withdraw money or else you have to pay a penalty. 403 (b) The 403 b is similiar to the 401 k except it is designed for public school teachers and other employees of nonprofit organizations. Some 403 b's are set up and run by employers while others are set up by third parties. Social Security Retirement accounts Traditional IRAs Roth IRAs 401 (k) 403 (b) What are other ways to get money for retirement?

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