Jones & Associates Retirement Planning

We tend to get so busy in our everyday life, planning for retirement can easily be put on the back burner…or in many cases taken off of the stove completely.

It is important to spend some time learning what your options are and to make a plan for your future.

Most people want to work to live, not live to work.

FUTURE SHOCK: Age=65, Years worked=40, Retirement benefits=0.
Procrastination is the thief of our tomorrows:

Age 20 – 30: Save Now? I don’t make enough. There’s still plenty of time. I’ll wait awhile.

Age 30 – 45: Save now? I have a growing family. It’s all I can do to pay the bills. I’ll wait awhile longer.

Age 45 – 55: Save now? With the kids in College? I must borrow money as it is. I’ll have to wait until later.

Age 55 – 65: Save now? I’d need a raise in income, but raises go to the younger people. I can only wait and hope.

Age 65 – 75: Save now? What is there to save from? My meager old – age benefits? I waited far too long!

Everyone needs an earning plan to take over when job earnings stop.

Why should you plan for the future?
If you do not adopt a plan for your future, and stay with it … the odds against you are as follows:

At age 65:
75% of the American people are dependent on relatives, friends and charity. 23% are still working. 2% are financially dependent.

The kind of future you and your family will have depends on the decisions you make TODAY! The future will not take care of itself … YOU MUST!

A shocking 62% of all Americans, age 65 and over, have less than $6,000 annual income, including Social Security. Only 8% have incomes over $15,000 a year, including Social Security.

After working a lifetime, 79% of Americans reaching retirement age 65 have less than $35,000 of assets.

The convenient time to set aside money never comes. Don’t run out of time. Your decision today regarding an investment plan for you and your family may determine which category you will be in at age 65.

It is estimated that of 100 people reaching age 65:
45 may live to be 80.
24 may live to be 85.
10 may live to be 90.

And …

1 is Well To Do.
7 have income.
8 are still working.
27 are dependent on others.
57 are Dead Broke.

Sources: Social Security Board, Washington, D.C., U.S. Department of Labor, and U.S. Department of Commerce.

People do not plan to fail … But many of us fail to plan.

Jones & Associates offers many different strategies, ideas and options for retirement planning. Please contact us to set an appointment to review your portfolio.



Programs include: HEALTH INSURANCE • Individual • Group • Short Term • Dental and Vision • Health Savings Accounts Life Insurance • Term • Whole • Universal • Variable Universal • Buy/Sell Agreements Disability Income Protection • Individual • Group • Business Overhead Critical Illness Long-Term Care Medicare and Supplements Annuities Retirement and Estate Planning
			RETIREMENT and ESTATE PLANNING We tend to get so busy in our everyday life, planning for retirement can easily be put on the back burner…or in many cases taken off of the stove completely. It is important to spend some time learning what your options are and to make a plan for your future. Most people want to work to live, not live to work. FUTURE SHOCK: Age=65, Years worked=40, Retirement benefits=0. Procrastination is the thief of our tomorrows: Age 20 – 30: Save Now? I don’t make enough. There’s still plenty of time. I’ll wait awhile. Age 30 – 45: Save now? I have a growing family. It’s all I can do to pay the bills. I’ll wait awhile longer. Age 45 – 55: Save now? With the kids in College? I must borrow money as it is. I’ll have to wait until later. Age 55 – 65: Save now? I’d need a raise in income, but raises go to the younger people. I can only wait and hope. Age 65 – 75: Save now? What is there to save from? My meager old – age benefits? I waited far too long! Everyone needs an earning plan to take over when job earnings stop. Why should you plan for the future? If you do not adopt a plan for your future, and stay with it … the odds against you are as follows: At age 65: 75% of the American people are dependent on relatives, friends and charity. 23% are still working. 2% are financially dependent. The kind of future you and your family will have depends on the decisions you make TODAY! The future will not take care of itself … YOU MUST! A shocking 62% of all Americans, age 65 and over, have less than $6,000 annual income, including Social Security. Only 8% have incomes over $15,000 a year, including Social Security. After working a lifetime, 79% of Americans reaching retirement age 65 have less than $35,000 of assets. The convenient time to set aside money never comes. Don’t run out of time. Your decision today regarding an investment plan for you and your family may determine which category you will be in at age 65. It is estimated that of 100 people reaching age 65: 45 may live to be 80. 24 may live to be 85. 10 may live to be 90. And … 1 is Well To Do. 7 have income. 8 are still working. 27 are dependent on others. 57 are Dead Broke. Sources: Social Security Board, Washington, D.C., U.S. Department of Labor, and U.S. Department of Commerce. People do not plan to fail … But many of us fail to plan. Jones & Associates offers many different strategies, ideas and options for retirement planning. Please contact us to set an appointment to review your portfolio. Home \| Products \| Request a Quote \| Contact Us FAQ \| Career Opportunities \| Links 2436 Jacksonville Hwy, Medford, Oregon 97501 Tel: 541.770.9563, Toll Free: 800.773.2078, Fax: 541.773.9568 Site designed by Chris Molé Design