Understanding the atom Finding something that can’t be seen! Farmington Jr. High Mr. Pratt
Online Textbook: Chapter 3 Understanding the Atom Lesson 1: Discovering Parts of an Atom USOE Objective: Describe the structure of matter in terms of atoms and molecules.
Learning objectives • People in their 30s who are finishing student loan and credit card payments… • People in their 40s who are saving for retirement and planning for education costs… • People in their 50s who are saving for retirement and paying for college… • People in their 60s who are “officially” retiring from work… • Everyone!
Atomic Theory How did we get to our current understanding? Today’s Model Early Atoms
Written Financial Plan Assign Investment Goals
Dalton’s Model John Dalton (1766-1844) • One of the first to build on Democritus’ model of matter. • All matter is made of atoms that… • Determined atoms cannot be divided, created, or destroyed. • Cannot be converted into atoms of another element. • Are identical to other atoms of the same element. • Are different from atoms of another element. • Combine in specific ratios.
Risk Planning Understanding Risk/Reward RISK Cash Income Growth REWARD LOW HIGH Cash Income Growth
Accumulation Hierarchy of Investment Savings
Bucket Approach Your Buckets… Income Growth Cash
Fill Buckets Your Buckets… Cash Income Growth
Monitor & Review Your Progress Manage Your AllocationPhase I
Successful Retirement • Assess what phases of the investment cycle you have accomplished… • If you’re ready to move forward, you can visit Fidelity, Schwab, Vanguard, or [insert firm name] for help. • Don’t feel comfortable working alone? Visit www.napfa.org to locate a Fee-Only Advisor in your area. Wes Moss, CFP® Chief Investment Strategist Capital Investment Advisors, Inc. 200 Sandy Springs Place, Suite 300 Atlanta, GA 30328 404-531-0018 www.yourwealth.com