Date: Wednesday, April 9, 2008 at the Cynwyd Club, Bala Cynwyd, PA
Time: Networking, 5:30 PM; Dinner, 6:30 PM; Talk and Business Session, 7:30 PM

TAKING CONTROL OF RETIREMENT
Managing The Risk Of An Income Shortfall

Roger M. Singer, CFM

Abstract: This presentation will focus on factors that can contribute to an income shortfall in retirement and provide solutions. These factors include the following: Longevity Risks – Not outliving your assets; Withdrawal Risks – Having enough to live comfortably without jeopardizing your future; Income Investment Risks – Investing to keep ahead of inflation, and the timing of investment gains and losses. The key to success will be overcoming the changing landscape of retirement, the tendency to invest conservatively in retirement, and addressing returns in the first decade of retirement.

Biography: Roger Singer has been providing financial planning services to corporations through his consulting practice for almost 20 years and to a limited number of individual clients for more than 30 years. In August 2000, Roger joined Merrill Lynch, where as Assistant Vice-President and Senior Financial Advisor, he focuses on creating, growing and preserving his individual client’s wealth. Roger has earned his Certified Financial Manager (CFM) designation and has B.S., M.S. and Ph.D degrees in chemistry from Ohio State University, Polytechnic Institute of Brooklyn and the University of Maryland respectively, and an MBA from Rensselaer Polytechnic Institute.

Location: The Cynwyd Club, 332 Trevor Lane, Bala Cynwyd, PA 19004. From I-76 drive S on City Line Ave. (US Rte. 1). Turn right on Conshohocken State Rd. (Rte. 23); stay in right lane. After second light watch for white left-turn arrows painted on street (about .14 mi/750 ft). Do not follow Rte. 23 left at turn but instead go straight ahead onto Llandrillo Rd. (passing to right of Valley Press printing). In one block bear left onto Trevor Lane at stop sign. Clubhouse and parking are on the left. Please park in lot if space is available; otherwise park on Trevor Lane. If lost, call the club at 610-667-4524, ext 2.   MAP

Reservation: To make or cancel a dinner reservation, e-mail CCNReservations@aol.com  or call the ACS office at 215-382-1589 (leave message on voicemail if necessary). Fee, including food and beverages (wine, beer & sodas), is $35. Early Bird discount price is $25 if reserved by Thursday ,April 3.  Late reservations and walk-ins subject to availability. No-shows will be invoiced. Please advise of any special food requirements. There is no charge for talk only; registration is suggested using contact information above.