Understanding Savings and Investing(Similarities and Differences)<br />www.ARA123.com877-220-1089<br />
Understanding Savings and Investing(Similarities and Differences)<br />www.ARA123.com877-220-1089<br />
Understanding Savings and Investing(Similarities and Differences)<br />www.ARA123.com877-220-1089<br />
Understanding Savings and Investing<br />Savings<br />Investments<br />Banks<br />Credit Unions<br />Insurance Companies<b...
Understanding Savings and Investing<br />Savings<br />Banks<br /><ul><li>Savings Accounts
Certificates of Deposit
Money Market Accounts</li></ul>Credit Unions<br /><ul><li>Savings Accounts
Share Certificates
Money Market Accounts</li></ul>Insurance Companies<br /><ul><li>Fixed Annuities
Immediate Annuities
Life Insurance</li></ul>Depositor Insurance<br /><ul><li>Bank
Reserve Level  2.00%
Re-Insurance via FDIC
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Understanding Savings and Investing, brought to you by American Retirement Advisors

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We provide you with the facts needed to understand your options and find vehicles that make sense for your needs. Learn the differences and similarities between Savings and Investing. We share how you will experience these choices once you have them in place, before you buy. The information is general enough that it is relevant in most situations and specific enough so you know exactly the questions to ask of your Agent, Banker or Broker. If your Financial Advisor is not Certified to offer these choices or you just need an answer from an expert visit www.ARA123.com (short for (www.AmericanRetirementAdvisors.com) or call us directly at 877-220-1089. We are here to help!

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Understanding Savings and Investing, brought to you by American Retirement Advisors

  1. 1. Understanding Savings and Investing(Similarities and Differences)<br />www.ARA123.com877-220-1089<br />
  2. 2. Understanding Savings and Investing(Similarities and Differences)<br />www.ARA123.com877-220-1089<br />
  3. 3. Understanding Savings and Investing(Similarities and Differences)<br />www.ARA123.com877-220-1089<br />
  4. 4. Understanding Savings and Investing<br />Savings<br />Investments<br />Banks<br />Credit Unions<br />Insurance Companies<br />Brokerage Firms<br />Fund Companies<br />Issuing Company<br />There are only 2 different categories when discussing money set aside to work for you in retirement. <br />They are savings and investing. Each has a purpose in your retirement planning. Every type of vehicle and tax classification will fit inside of these two categories.<br />This summary was designed to help you make an informed decision.<br />www.ARA123.com877-220-1089<br />
  5. 5. Understanding Savings and Investing<br />Savings<br />Banks<br /><ul><li>Savings Accounts
  6. 6. Certificates of Deposit
  7. 7. Money Market Accounts</li></ul>Credit Unions<br /><ul><li>Savings Accounts
  8. 8. Share Certificates
  9. 9. Money Market Accounts</li></ul>Insurance Companies<br /><ul><li>Fixed Annuities
  10. 10. Immediate Annuities
  11. 11. Life Insurance</li></ul>Depositor Insurance<br /><ul><li>Bank
  12. 12. Reserve Level 2.00%
  13. 13. Re-Insurance via FDIC
  14. 14. Limited to $250,000 (per acct owner)
  15. 15. Reserve Level 1.35%
  16. 16. FDIC is backed by the Federal Government</li></ul>Depositor Insurance<br /><ul><li>Bank
  17. 17. Reserve Level 2.00%
  18. 18. Re-Insurance via NCUSIF
  19. 19. Limited to $250,000 (per acct owner)
  20. 20. Reserve Level 1.3 %
  21. 21. NCUSIF is backed by the Federal Government</li></ul>Depositor Insurance<br /><ul><li>Insurance Company
  22. 22. Reserve Level in excess of 100%
  23. 23. Re-Insurance via State Guarantee Association
  24. 24. Limited to $100,000-$300,000
  25. 25. Reserve Level not disclosed
  26. 26. Visit www.nolhga.com
  27. 27. Not backed by the Federal Government</li></ul>www.ARA123.com877-220-1089<br />
  28. 28. Understanding Savings and Investing<br />Investments<br />Brokerage Firms<br />Fund Companies<br />Issuing Entities<br />Bonds<br />Commodities<br />Equities<br />Exchange Traded Funds<br />Hedge Funds<br />Futures<br />Metals<br />Money Markets<br />Mutual Funds<br />Options<br />Real Estate & REITS<br />Variable Annuities<br />Variable Life<br />ETF’s<br />Mutual Funds<br />Bonds<br />Equities<br />Metals<br />Real Estate<br />www.ARA123.com877-220-1089<br />
  29. 29. Understanding Savings and Investing<br />Investment Risk<br />Speculative<br />Growth<br />Principal Insured<br />Secure<br />www.ARA123.com877-220-1089<br />
  30. 30. Understanding Savings and Investing<br />Investment Risk<br />Speculative<br />Growth<br />Principal Insured<br />Secure<br />Commodities<br />Hedge Funds<br />Futures<br />Metals<br />Oil & Gas Exploration<br />Real Estate<br />Equities<br />E T F’s<br />Hedge Funds<br />Mutual Funds<br />Options<br />Variable Annuities<br />Variable Life<br />Bonds<br />Money Markets<br />www.ARA123.com877-220-1089<br />
  31. 31. Understanding Savings and Investing<br />Savings Risk<br />Speculative<br />Growth<br />Principal Insured<br />Secure<br />Money Markets<br />CD’s<br />Fixed Annuities<br />Immediate Annuities<br />Life Insurance<br />Money Markets<br />Share Certificates<br />Savings<br />www.ARA123.com877-220-1089<br />
  32. 32. Understanding Savings and Investing<br />Investment Risk<br />Growth<br />Principal Insured<br />Secure<br />Speculative<br />www.ARA123.com877-220-1089<br />
  33. 33. How to Choose a Medicare Plan<br />Legal Mumbo Jumbo<br />In this presentation we are not selling any specific product. Our purpose is to educate the general public on a general subject or class of products. If you are interested in specific information about specific products please seek the insurance company created product specific information approved by the department of insurance in your state.<br />www.ARA123.com877-220-1089<br />
  34. 34. “THE AMERICAN RETIREMENT ADVISOR”<br />David P. Schaeffer, CLTC, CSA <br />Serving Arizona, California, Minnesota and Nevada<br />david@ARA123.com<br />www.ARA123.com877-220-1089<br />
  35. 35. Register Today <br />for Free Access to:<br />CD Interest Rate Comparison Guide<br />2. Fixed Annuity Rate Comparison Guide<br />3. Our Monthly Newsletter<br />www.ARA123.com877-220-1089<br />

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