Retirement

Retirement: Putting Together A Plan

At CMJ Financial Group, we are committed to helping clients plan for retirement. Clients often express to us concerns about maintaining their standard of living, ensuring longevity of assets and providing for beneficiaries. By focusing on the key areas discussed below, CMJ Financial Group will assist you with creating an investment portfolio designed to address common retirement concerns.

Sources of Income

It’s important to look at all sources of income when developing a retirement plan.

Social Security payments
Defined benefit plan or pensions
Withdrawals from savings and/or from defined contribution pensions like 401(k)s or IRAs
Distributions from annuities
Other sources, such as part-time employment, royalties or rental income

Timing

Savings rates, asset allocation, sequence-of-returns risk and social security elections all play a part in determining when is the right time to retire. While no one can predict when is the best time to retire, we will help you understand and evaluate these factors so that you can select the timing that is appropriate for you.

Spending Rules

Together we will review your spending needs during retirement. From there, we will consider your sources of income and help you determine whether your investments are aligned with your needs. Where appropriate we will recommend investment strategies that balance your income needs with your risk tolerance and other goals.

Longevity

How long do you need your money to last? For some, the answer could be 30 years or more after retirement. Will it last that long? While we can’t predict the future, we will educate you regarding factors that impact longevity, such as investment performance, asset allocation and withdrawals, and we will help you select investment strategies designed to meet your longevity goals.

Risk Mitigation

Managing risk is important to the success of any investment plan. We can offer you strategies that implement risk mitigation through asset allocation, investment style, and asset class selection. Our investment offerings include asset preservation and distribution strategies that can help you navigate volatility and market fluctuations throughout your investing life cycle.

Personalized Service (Approach)

CMJ Financial Group strives to maintain an open and direct dialogue with you. Our goal is to guide you through your investment journey and, as your needs change, assist you with making adjustments to your investment plan.

“The CMJ Financial Group Team looks forward to helping you and your family achieve your goals and objectives.”

The individuals identified as CMJ Financial Group are affiliated with Primerica, and offer products and services through Primerica subsidiaries, including Primerica Life Insurance Company and PFS Investments Inc.

A Primerica representative’s ability to offer products and services is based on the licenses held by the individual, and the states in which the individual is registered. Not all representatives are authorized to sell all products and services. For additional information about a representative, including licenses and state registrations, please visit www.BrokerCheck.com.

PFS Investments Inc. (PFSI) offers both brokerage and advisory accounts. Representatives do not have investment discretion over any client account or assets. For additional information about the products and services available in brokerage and advisory accounts, including fees, expenses and the compensation received by PFSI and your representative, please review a copy of our Form CRS, Form ADV brochure and our informational brochure, Investing with Primerica, available from your representative and online at www.primerica.com/pfsidisclosures.

Securities offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001, a broker-dealer and investment adviser registered with the Securities & Exchange Commission (SEC), a member of the Financial Regulatory Authority (FINRA) [www.finra.org] and a member of the Securities Investors Protection Corporation (SIPC) [www.sipc.com]. PFSI’s advisory business is conducted under the name Primerica Advisors. Fixed indexed annuities are offered by Primerica Financial Services, LLC (PFS). PFSI, PFS and Primerica Inc. are affiliated companies.

The Lifetime Investment Platform is an advisory program sponsored by PFS Investments Inc., under the name, Primerica Advisors. For additional information about the program, please ask your representative for a copy of the Lifetime Investment Platform Form ADV brochure.

Mutual funds, annuities, 529 plans, 401(k) plans and asset managers referenced above are made available through contractual relationships between PFSI and the product providers.

Investors should carefully consider the investment objectives, risks, charges, fees and expenses of any mutual fund before investing. This and other important information can be found in the fund’s prospectus and, if available, the summary prospectus. Please read the prospectus and, if available, the summary prospectus carefully before investing. Prospectuses are available from your Primerica representative.

Primerica representatives are not estate planners, or tax advisors. For related advice, individuals should consult an appropriately licensed professional.

This material is for informational purposes only and should not be considered investment advice or a recommendation to buy, sell or hold a security.

Investing entails risk including loss of principal. Past performance is no guarantee of future results.