66.6% OF TOTAL 33.3% OF TOTAL

$1,000,000 $500,000

4 Accounts in Retirement Investments1. Husband’s Contributory IRA2. Wife’s Contributory IRA3. Husband’s Rollover IRA (from 401(k)4. Wife’s Rollover IRA from Profit

Sharing Plan at work

5 Accounts in Personal Investments1. Inheritance of Husband2. Inheritance of Wife3. Joint Investment Account4. Personal Account of Husband5. Personal Account of Wife

WHAT MAKES UP EACH PART OF THE TOTAL INVESTMENTS POT (WHEN RECEIVING A PENSION

CHECK FROM YOUR FORMER COMPANY MONTHLY)?

ALL Retirement Investments

ALL Personal

Investments

66.6%Retirement

Remember: Place 3 Years Of Living Expenses

In The Holding Pot

Total $ 1,500,000 -$132,000 $1,486,000

Total $132,000

33.3%Personal

$88,000 FROM IRAS

$44,000 PERSONAL

T-Bills, CDs, M.M. FundsShort Term Bond Funds

Conservative Mutual Funds

HOLDING POT$132,000 is transferred to the

Holding Pot and the remainder is invested in moderate to

conservative risk investments

2. When receiving a check from Pension monthly

TOTAL INVESTMENTS

POT

ENJOY LIFE

$144,000 FROM IRAS

$96,000 PERSONAL

T-BILLS, CDS, M.M. FUNDSSHORT-TERM BOND FUNDS

CONSERVATIVE MUTUAL FUNDS

HOLDING POT

The Holding Pot Contains 3 Years

Of Living Expenses

$44,000 from the Holding Pot

+ $30,000 from Social Security

+ $36,000from his yearly pension

SPENDING POT

$110,000 PER YEAR