Building Your Retirement Nest Egg

"Someday the quality of your life will depend on your financial decisions now.”

Building Your Retirement Nest Egg presented by Ray Johnson

Retirement Nest Egg Has 4 Components

1. Social Security
2. Company Pension
3. Working in Retirement
4. Personal Savings (401k/403b/IRA/Bank Accounts)

Key Steps to Building Retirement Savings Plan

1. Start Early

2. Control Risks

   Diversify

   Match Time Horizons

   Pass Smell Test

3. Take Advantage of Tax Breaks

   401k/403b/457/Simple IRA

   Capital Gains

   Dividend Income

4. Control Investment Costs

   Choice of Investments

   Trading & Timing Costs

5. Plan Long-term & Stick to It