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Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
Risk-free, tax-free Retirement Strategy
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Risk-free, tax-free Retirement Strategy

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How to set up a retirement plan alternative which eliminates market risk, has potential to earn up to 15% tax-free, provides for tax-free loans which need not be repaid and allows tax-free …

How to set up a retirement plan alternative which eliminates market risk, has potential to earn up to 15% tax-free, provides for tax-free loans which need not be repaid and allows tax-free distributions at any age. It removes worry and anxiety caused by market volatility by locking in the annual high-water cash value. It's imaginative, innovative and outside-the-box and it's approved by IRS rule 7702

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  • You have a choice! Between the “Real” Stock Market for your retirement savings. Or you can have “the stock market they sell you” – but ONLY with Indexed Life.
  • Transcript

    • 1.
    • 2. Presented by
      JERRY STONEHOUSE
      Tax Advantaged and “Safe”
      Retirement Savings Advisor
    • 3. "New Knowledge is the most
      valuable commodity on earth.
    • 4. "New Knowledge is the most
      valuable commodity on earth.
      The more truth we
      have to work with,
      the richer we become."
      Kurt Vonnegut
    • 5. Just Say “NO!”
      to a
      401(k), 403(b), 457,
      IRA, SEP or ROTH!
    • 6. Truth #1
      IRS Qualified
      Retirement Savings Plans
      403b / 457 / IRA / SEP / 401k
      Are a Failure!
    • 7. 5 Reasons You Shouldn’tContribute to a 401(k)March 16, 2011
      1) If there is no employer match.
      2) High Fees.
      3) Higher Tax Rate (at withdrawal) in Qualified Plan.
      4) Larger Tax Bill at Withdrawal (larger balance).
      5) (Likely) Future Tax Rate Increases.
    • 8. October 19,2009
    • 9. “Why It’s Time to Retire the 401(k)”
      “The ugly truth is that the
      401(k) is a lousy idea,
      a rotten repository for
      our retirement reserves …”
    • 10. “…The biggest factor in whether the 401(k) works as designed has
      to do with when you retire. If the market rises that year, you're fine.
      If you retired last year, you're toast.
    • 11. “…The biggest factor in whether the 401(k) works as designed has
      to do with when you retire. If the market rises that year, you're fine.
      If you retired last year, you're toast. And the chances of your
      becoming a victim of this huge flaw in the 401(k) plan are pretty high.
    • 12. “…The biggest factor in whether the 401(k) works as designed has
      to do with when you retire. If the market rises that year, you're fine.
      If you retired last year, you're toast. And the chances of your
      becoming a victim of this huge flaw in the 401(k) plan are pretty high.
      The market fell in four of the nine years since the beginning of the
      decade. That means anyone retiring this decade had a nearly 50%
      chance of leaving work in a down market.
    • 13. “…The biggest factor in whether the 401(k) works as designed has
      to do with when you retire. If the market rises that year, you're fine.
      If you retired last year, you're toast. And the chances of your
      becoming a victim of this huge flaw in the 401(k) plan are pretty high.
      The market fell in four of the nine years since the beginning of the
      decade. That means anyone retiring this decade had a nearly 50%
      chance of leaving work in a down market. In fact, your chances of
      retiring into a down market are even greater than that: forced
      retirements spike in recessions just as the stock market is tanking.”
    • 14. “Guaranteed accounts don't have to be run by the
      government. The ERISA Industry Committee that
      represents the nation's largest employers, has proposed
      a system that would allow individuals the ability to buy
      a guaranteed retirement account on their own. Some
      government regulation would be needed, but it would be a
      ‘Private Plan’ .”
    • 15. “But the policy would beportable. Contribute for 30 years
      and you would be guaranteed income in retirement, no
      matter how many employers you worked for.
    • 16. “But the policy would be portable. Contribute for 30 years
      and you would be guaranteed income in retirement, no
      matter how many employers you worked for.
      Combine yourretirement-insurance check with the
      money you get from Social Security, which can equal as
      much as 50% of final pay, and presto: you have something
      approachingretirement security.”
    • 17. “But the policy would be portable. Contribute for 30 years
      and you would be guaranteed income in retirement, no
      matter how many employers you worked for.
      Combine yourretirement-insurance check with the
      money you get from Social Security, which can equal as
      much as 50% of final pay, and presto: you have something
      approachingretirement security.”
      We need a NEW, Safer way to save for retirement because …
    • 18. * 52% of workers (not including home
      equity) have savings less than $25,000.
    • 19. * 52% of workers (not including home
      equity) have savings less than $25,000.
      * 75% have savings less than $10,000.
    • 20. * 52% of workers (not including home
      equity) have savings less than $25,000.
      * 75% have savings less than $10,000.
      * 36% of those over 55 have saved
      less than …
      $10,000!
    • 21.
    • 22. Most Americans will be too poor to retire at 65!
      Nov. 1, 2009 / Center for Retirement Research at Boston College
      51% are at high risk of falling short of
      having enough money in retirement.
    • 23. Most Americans will be too poor to retire at 65!
      Nov. 1, 2009 / Center for Retirement Research at Boston College
      51% are at high risk of falling short of
      having enough money in retirement.
      “The disappearance of pension plans, as well as troubles with the Social Security system, place younger Americans at a higher risk of being unable
      to hold on to their standards of living during retirement. The cradle-to-the-
      grave relationship with the employer is severed…
    • 24. Most Americans will be too poor to retire at 65!
      Nov. 1, 2009 / Center for Retirement Research at Boston College
      51% are at high risk of falling short of
      having enough money in retirement.
      “The disappearance of pension plans, as well as troubles with the Social Security system, place younger Americans at a higher risk of being unable
      to hold on to their standards of living during retirement. The cradle-to-the-
      grave relationship with the employer is severed…
      Younger people have to be responsible for their own retirement.”
    • 25. Most Americans will be too poor to retire at 65!
      Nov. 1, 2009 / Center for Retirement Research at Boston College
      51% are at high risk of falling short of
      having enough money in retirement.
      “The disappearance of pension plans, as well as troubles with the Social Security system, place younger Americans at a higher risk of being unable
      to hold on to their standards of living during retirement. The cradle-to-the-
      grave relationship with the employer is severed…
      Younger people have to be responsible for their own retirement.”
      “Retiring won’t become impossible, but it will require some thoughtful
      planning. Many workers will need to save and invest more, reduce
      debt and work longer to maintain their standard of living in retirement.”
    • 26. Truth #2
      Stock Investment Gains
      – for Investors –
      are LOUSY!
    • 27. "There are two times when a
      man shouldn't speculate:
    • 28. "There are two times when a
      man shouldn't speculate:
      when he can't afford it,
      and when he can."
      Mark Twain
    • 29. Morningstar &
      Harvard Business School
      BCT Study
      4000 Mutual Funds 1996-2002
      Investor ROI Net Fees = 2.924%
    • 30. Bear Market Losses
      November 29, 1968 to May 26, 1970 - 36.06%
      January 11,1973 to October 3, 1974 - 48.20%
      November 28, 1980 to August 12, 1982 - 27.11%
      August 25, 1987 to December 4, 1987 - 33.54%
      March 27, 2000 to July 18, 2002 - 42.29%
      October 9, 2007 to March 9, 2009 - 56.77%
    • 31. Bear Market Losses
      November 29, 1968 to May 26, 1970 - 36.06%
      January 11,1973 to October 3, 1974 - 48.20%
      November 28, 1980 to August 12, 1982 - 27.11%
      August 25, 1987 to December 4, 1987 - 33.54%
      March 27, 2000 to July 18, 2002 - 42.29%
      October 9, 2007 to March 9, 2009 - 56.77%
      The Market (since 1946) has an average loss of -33.21% EVERY 6 YEARS!
    • 32. Bear Market Losses
      November 29, 1968 to May 26, 1970 - 36.06%
      January 11,1973 to October 3, 1974 - 48.20%
      November 28, 1980 to August 12, 1982 - 27.11%
      August 25, 1987 to December 4, 1987 - 33.54%
      March 27, 2000 to July 18, 2002 - 42.29%
      October 9, 2007 to March 9, 2009 - 56.77%
      The Market (since 1946) has an average loss of -33.21% EVERY 6 YEARS!
      It Takes 22.5 months for the Index to Return to Prior High Value.
    • 33. Is this Anxiety Roller Coaster how you
      want to live 20 - 30 years of Retirement?
    • 34. Wall Street Always Wins!
      Even when you lose Wall Street always
      wins with fees you ALWAYS pay –
      when the market goes up –
      AND when it goes down!
    • 35. Morningstar
      Management Fee [8-17-09]: Average domestic fee is 1.39%.
      International is 1.56%.
    • 36. Morningstar
      Management Fee [8-17-09]: Average domestic fee is 1.39%.
      International is 1.56%.
      Transaction Fee [6-19-09]: This annual fee is 1.64%.
      For Small Cap Fund it’s 2.80%.
    • 37. Morningstar
      Management Fee [8-17-09]: Average domestic fee is 1.39%.
      International is 1.56%.
      Transaction Fee [6-19-09]: This annual fee is 1.64%.
      For Small Cap Fund it’s 2.80%.
      “Vastly more important than expense ratios and no one’s talking about it.”
      These are in ADDITION to Fund fees. You don’t control a fund’s transaction
      costs. That’s determined in part by how often the fund manager trades the
      securities in the fund’s portfolio, and how costly those trades are.
    • 38. Morningstar
      Management Fee [8-17-09]: Average domestic fee is 1.39%.
      International is 1.56%.
      Transaction Fee [6-19-09]: This annual fee is 1.64%.
      For Small Cap Fund it’s 2.80%.
      “Vastly more important than expense ratios and no one’s talking about it.”
      These are in ADDITION to Fund fees. You don’t control a fund’s transaction
      costs. That’s determined in part by how often the fund manager trades the
      securities in the fund’s portfolio, and how costly those trades are.
      The Minimum Average TOTAL Actual Annual Fund Fees = 3.03%!
    • 39. Morningstar
      Management Fee [8-17-09]: Average domestic fee is 1.39%.
      International is 1.56%.
      Transaction Fee [6-19-09]: This annual fee is 1.64%.
      For Small Cap Fund it’s 2.80%.
      “Vastly more important than expense ratios and no one’s talking about it.”
      These are in ADDITION to Fund fees. You don’t control a fund’s transaction
      costs. That’s determined in part by how often the fund manager trades the
      securities in the fund’s portfolio, and how costly those trades are.
      The Minimum Average TOTAL Actual Annual Fund Fees = 3.03%!
      Investment News
      ERISA Costs [10-15-09]:
      “It's fair to say that in many cases the total ERISA
      (401k) drag is close to about 1% of plan assets.”
    • 40. Morningstar
      Management Fee [8-17-09]: Average domestic fee is 1.39%.
      International is 1.56%.
      Transaction Fee [6-19-09]: This annual fee is 1.64%.
      For Small Cap Fund it’s 2.80%.
      “Vastly more important than expense ratios and no one’s talking about it.”
      These are in ADDITION to Fund fees. You don’t control a fund’s transaction
      costs. That’s determined in part by how often the fund manager trades the
      securities in the fund’s portfolio, and how costly those trades are.
      The Minimum Average TOTAL Actual Annual Fund Fees = 3.03%!
      Investment News
      ERISA Costs [10-15-09]:
      “It's fair to say that in many cases the total ERISA
      (401k) drag is close to about 1% of plan assets.”
      Summary: Many plans are in the range of 4% to 5% in TOTAL
      yearly costs – the worst plans charge even more.After all the fees …
    • 41. Is Your 401(k) more like a 201(k)?!
    • 42. Putnam Investments
      President and Chief Executive Officer Robert L. Reynolds
      calls for a “ New Generation” of Workplace Savings Plans
      with Lower Volatility and Lifetime Income Solutions
      October 1, 2009
      “After Market Meltdown, Better Plan Design
      Needed to Secure Reliable Lifetime Income”
      “Index funds and other passive investments that track benchmarks
      are guaranteed to lose value when the markets they track
      sink.
    • 43. Putnam Investments
      President and Chief Executive Officer Robert L. Reynolds
      calls for a “ New Generation” of Workplace Savings Plans
      with Lower Volatility and Lifetime Income Solutions
      October 1, 2009
      “After Market Meltdown, Better Plan Design
      Needed to Secure Reliable Lifetime Income”
      “Index funds and other passive investments that track benchmarks
      are guaranteed to lose value when the markets they track
      sink. People in or near retirement are not well served by too-great a
      concentration of passive (index) investments, thinking they are a
      protection against a downturn …”
    • 44. “(Retirement) plans should be made much
      more resistant to market downturns …
      The next challenge in workplace savings
      plans will be to offer guidelines, even
      guardrails, to ensure that worker’s savings
      are Protected as they reach retirement age.”
    • 45. BECAUSE …
    • 46. THE WALL STREET JOURNAL
      October 15, 2009
      The Lost Decade of Stock Investing
      “Advisers sold us a bill of goods
      about the lasting value
      of real estate and stocks.”
    • 47. THE WALL STREET JOURNAL
      October 15, 2009
      The Lost Decade of Stock Investing
      “Advisers sold us a bill of goods
      about the lasting value
      of real estate and stocks.”
      “If you invested $100 in the S&P 500 at the end of the last decade,
      you're happy with Dow 10,000 but still hoping for a
      34.5% rally before year end -- just to break even.
    • 48. THE WALL STREET JOURNAL
      October 15, 2009
      The Lost Decade of Stock Investing
      “Advisers sold us a bill of goods
      about the lasting value
      of real estate and stocks.”
      “If you invested $100 in the S&P 500 at the end of the last decade,
      you're happy with Dow 10,000 but still hoping for a
      34.5% rally before year end -- just to break even.
      You'll need a staggering 72% rally when adjusting for inflation.”
    • 49.
    • 50. “Quantitative Analysis of Investor Behavior”
      March 9, 2009
      DALBAR Study Reveals Carnage forEquity, Bond and Asset Allocation Shareholders
      The reality is that investors are not rational, and make
      buy and sell decisions at the worst possible moments.
    • 51. “Quantitative Analysis of Investor Behavior”
      March 9, 2009
      DALBAR Study Reveals Carnage forEquity, Bond and Asset Allocation Shareholders
      The reality is that investors are not rational, and make
      buy and sell decisions at the worst possible moments.
      For the 20 years ended December 31, 2008, equity
      and asset allocation fund investors had average
      annual returns of 1.87% and 1.67%, respectively.
    • 52. “Quantitative Analysis of Investor Behavior”
      March 9, 2009
      DALBAR Study Reveals Carnage forEquity, Bond and Asset Allocation Shareholders
      The reality is that investors are not rational, and make
      buy and sell decisions at the worst possible moments.
      For the 20 years ended December 31, 2008, equity
      and asset allocation fund investors had average
      annual returns of 1.87% and 1.67%, respectively.
      The inflation rate averaged 2.89% over that same time period. 
    • 53. What About the Future?
    • 54. What About the Future?
      Market Watch – Wall Street Journal / 12-7-10
      ‘10 reasons to shun stocks till banks crash’
      “Do not buy stocks. Not for retirement.Not in the coming decade. Don’t. Huge risks.”
      “Wall Street is a loser. Stocks are Wall Street’s ultimate sucker bet. And it’ll sucker you again. You’ll lose, worse than in the last decade. Wake up before Wall Street banks trigger the next meltdown, igniting mass bankruptcy.”
    • 55. What About the Future?
      Market Watch – Wall Street Journal / 12-7-10
      “Adjusted for inflation, Wall Street has lost 20% of your money in the past decade. Wall Street’s a loser. And, worse, Wall Street will do it again by 2020.”
    • 56. What About the Future?
      Market Watch – Wall Street Journal / 12-7-10
      “Adjusted for inflation, Wall Street has lost 20% of your money in the past decade. Wall Street’s a loser. And, worse, Wall Street will do it again by 2020.”
      “That’s right: It will lose another
      20% of your retirement money.”
    • 57. With Retirement Savings,It’s a Sprint to the Finish
      21 January 2011
      “What would you do if your financialplanner prescribed the following advice?
      ‘Save and invest diligently for 30 years,then cross your fingers and pray your investments will double over the lastdecade before you retire’.”
    • 58. With Retirement Savings,It’s a Sprint to the Finish
      21 January 2011
      “What would you do if your financialplanner prescribed the following advice?
      ‘Save and invest diligently for 30 years,then cross your fingers and pray your investments will double over the lastdecade before you retire’.”
      “You might as well go to Las Vegas.”
    • 59. With Retirement Savings,It’s a Sprint to the Finish
      21 January 2011
      “The problem is that even if you do everything right and save at a respectable rate, you’re still relying on the market to push you to the finish line in the last decade before retirement. Why?
    • 60. With Retirement Savings,It’s a Sprint to the Finish
      21 January 2011
      “The problem is that even if you do everything right and save at a respectable rate, you’re still relying on the market to push you to the finish line in the last decade before retirement. Why?
      Reaching your goal is highly dependent on the power of compounding.”
    • 61. With Retirement Savings,It’s a Sprint to the Finish
      21 January 2011
      “But if you’re dealt a bad set of returns during an extended period of time just before you retire or shortly thereafter, your plan could be thrown wildly off track. Many baby boomers know the feeling all too well, given the stock market’s weak showing during the last decade.”
    • 62. 21 January 2011
      “The homestretch before retirement is often the most anxiety-inducing because workers have neither the time nor the financial capacity to recover before they begin taking withdrawals.”
      “When the bad returns come in the
      final 10 years, no reasonable amount
      of savings will make up the shortfall.”
    • 63. LOST DECADE
      The Stock Market Roller Coaster of 2000 – 2009
      left these years known as the “Lost Decade”.
      .
      After average costs $1 after 10 years
      was worth 55 cents!
    • 64. LOST DECADE
      The Stock Market Roller Coaster of 2000 – 2009
      left these years known as the “Lost Decade”.
      .
      After average costs $1 after 10 years
      was worth 55 cents!
      .
      The ROI was – 44.96%!
    • 65.
    • 66. Albert Einstein
      Insanity:
      "Doing the same thing
      over and over
    • 67. Albert Einstein
      Insanity:
      "Doing the same thing
      over and over and
      expecting different results."
    • 68. Truth #3
      Taxes MUST go UP!
    • 69. August 19,2009
      Don't put any more money in your
      tax-deferred retirement savings
    • 70. August 19,2009
      Don't put any more money in your
      tax-deferred retirement savings
      “This is heresy in a world where people hate taxes … (but) things
      have changed in the past year … The old thinking was that you
      should defer tax bills until ‘you are in a lower bracket at retirement’.
    • 71. August 19,2009
      Don't put any more money in your
      tax-deferred retirement savings
      “This is heresy in a world where people hate taxes … (but) things
      have changed in the past year … The old thinking was that you
      should defer tax bills until ‘you are in a lower bracket at retirement’.
      Higher bracket is more like it.
    • 72. August 19,2009
      Don't put any more money in your
      tax-deferred retirement savings
      “This is heresy in a world where people hate taxes … (but) things
      have changed in the past year … The old thinking was that you
      should defer tax bills until ‘you are in a lower bracket at retirement’.
      Higher bracket is more like it.
      If you are 45 and prosperous, plan on big federal deficits
      and higher income taxes when you retire in 2031.
    • 73. August 19,2009
      Don't put any more money in your
      tax-deferred retirement savings
      “This is heresy in a world where people hate taxes … (but) things
      have changed in the past year … The old thinking was that you
      should defer tax bills until ‘you are in a lower bracket at retirement’.
      Higher bracket is more like it.
      If you are 45 and prosperous, plan on big federal deficits
      and higher income taxes when you retire in 2031.
      You might be better off skipping the 401(k).
    • 74. August 19,2009
      Don't put any more money in your
      tax-deferred retirement savings
      “This is heresy in a world where people hate taxes … (but) things
      have changed in the past year … The old thinking was that you
      should defer tax bills until ‘you are in a lower bracket at retirement’.
      Higher bracket is more like it.
      If you are 45 and prosperous, plan on big federal deficits
      and higher income taxes when you retire in 2031.
      You might be better off skipping the 401(k).
      Maybe you should pay tax on your salary now!”
    • 75. 2011 Deficit $1.5 Trillion
      That's 10% GDP / largest since WWII
    • 76. 2011 Deficit $1.5 Trillion
      That's 10% GDP / largest since WWII
      Total National Debt = $14 Trillion
    • 77. 2011 Deficit $1.5 Trillion
      That's 10% GDP / largest since WWII
      Total National Debt = $14 Trillion
      Total with SS & Medicare = 70% GDP
    • 78. 2011 Deficit $1.5 Trillion
      That's 10% GDP / largest since WWII
      Total National Debt = $14 Trillion
      Total with SS & Medicare = 70% GDP
      With SS, Prescription and Medicare
      = $60 Trillion+ (to 2084)
    • 79. 2011 Deficit $1.5 Trillion
      That's 10% GDP / largest since WWII
      Total National Debt = $14 Trillion
      Total with SS & Medicare = 70% GDP
      With SS, Prescription and Medicare
      = $60 Trillion+ (to 2084)
      That = $500,000 Each!
    • 80.
    • 81. RECENT High TAX RATES
      1944-4594%
      1958-64 91%
      1965-81 70%
      1982-8650%
    • 82. RECENT High TAX RATES
      1944-4594%
      1958-64 91%
      1965-81 70%
      1982-8650%
      Current 35%
    • 83. RECENT High TAX RATES
      1944-4594%
      1958-64 91%
      1965-81 70%
      1982-8650%
      Current 35%
      The last time taxes were this low was 1931!
      (pre Increasing National Debt Era since 1980)
    • 84. RECENT High TAX RATES
      1944-4594%
      1958-64 91%
      1965-81 70%
      1982-8650%
      Current 35%
      The last time taxes were this low was 1931!
      (pre Increasing National Debt Era since 1980)
      The last time the “low” rate was today's
      10% was 1941 – 70 years ago!
    • 85. Future Taxes Make 401(k) Less Advantageous
      November 6, 2009
      Since 401(k)s were created in the early 1980s, the general assumption was that a saver would pay lower taxes in retirement, when their income was certain to be lower. So saving pretax dollars and delaying taxes made sense.
    • 86. Future Taxes Make 401(k) Less Advantageous
      November 6, 2009
      Since 401(k)s were created in the early 1980s, the general assumption was that a saver would pay lower taxes in retirement, when their income was certain to be lower. So saving pretax dollars and delaying taxes made sense.
      Now, particularly for higher earners with the largest 401(k) balances,
      that assumption is fading as hikes in tax rates seem likely.
    • 87. Future Taxes Make 401(k) Less Advantageous
      November 6, 2009
      Since 401(k)s were created in the early 1980s, the general assumption was that a saver would pay lower taxes in retirement, when their income was certain to be lower. So saving pretax dollars and delaying taxes made sense.
      Now, particularly for higher earners with the largest 401(k) balances,
      that assumption is fading as hikes in tax rates seem likely.
      (Another) problem high earners may face by saving only in a pretax 401(k)
      is that, years later, large withdrawals could trigger the tax on Social Security.
    • 88. Future Taxes Make 401(k) Less Advantageous
      November 6, 2009
      Since 401(k)s were created in the early 1980s, the general assumption was that a saver would pay lower taxes in retirement, when their income was certain to be lower. So saving pretax dollars and delaying taxes made sense.
      Now, particularly for higher earners with the largest 401(k) balances,
      that assumption is fading as hikes in tax rates seem likely.
      (Another) problem high earners may face by saving only in a pretax 401(k)
      is that, years later, large withdrawals could trigger the tax on Social Security.
      (Not deferring taxes) is a good choice for higher earners whose income
      isn't likely to fall in retirement and for young investors, who will likely see their salaries and taxes increase.
    • 89. / 22 October 2008
      "It's Time for Young Voters to Get Mad!"
      To Voters under 35:
      "You have a heavily mortgaged future.
      You'll pay for Social Security and
      Medicare for aging baby boomers ...
    • 90. / 22 October 2008
      "It's Time for Young Voters to Get Mad!"
      To Voters under 35:
      "You have a heavily mortgaged future.
      You'll pay for Social Security and
      Medicare for aging baby boomers ...
      the needed federal tax increase might total 50% over the next 25 years."
    • 91.
    • 92. Truth #4
      Social Security is NOT Secure!
    • 93. Social Security is going BROKE!
      2008
      - 65% Rely on SS for 50%
      of their income!
    • 94. Social Security is going BROKE!
      2008
      - 65% Rely on SS for 50%
      of their income!
      - 33% Rely on SS for 90% of their income!
    • 95. Social Security is going BROKE!
      2008
      - 65% Rely on SS for 50%
      of their income!
      - 33% Rely on SS for 90% of their income!
      - Accounts for 1/3 of discretionary income
      for couples earning over $500,000 year!
    • 96. Social Security is going BROKE!
      2008
      - 65% Rely on SS for 50%
      of their income!
      - 33% Rely on SS for 90% of their income!
      - Accounts for 1/3 of discretionary income
      for couples earning over $500,000 year!
      - 1 in 7 Americans receive a check from SS!
    • 97. Social Security is going BROKE!
      2008
      - 65% Rely on SS for 50%
      of their income!
      - 33% Rely on SS for 90% of their income!
      - Accounts for 1/3 of discretionary income
      for couples earning over $500,000 year!
      - 1 in 7 Americans receive a check from SS!
      - # Workers per Retiree:
      1960 = 5 2009 = 3.3 2020 = 2!
    • 98. 2010:SS Outlays exceed Revenues!
      The likely solution
      say most experts
      is MORE Taxes!
    • 99. 2010:SS Outlays exceed Revenues!
      2011: - Average Benefit check is $1,177 month!
      The likely solution
      say most experts
      is MORE Taxes!
    • 100. 2010:SS Outlays exceed Revenues!
      2011: - Average Benefit check is $1,177 month!
      - Up to 85% of Benefits are Taxed!
      The likely solution
      say most experts
      is MORE Taxes!
    • 101. 2010:SS Outlays exceed Revenues!
      2011: - Average Benefit check is $1,177 month!
      - Up to 85% of Benefits are Taxed!
      2030: Medicare Trust Fund
      is Broke!
      The likely solution
      say most experts
      is MORE Taxes!
    • 102. 2010:SS Outlays exceed Revenues!
      2011: - Average Benefit check is $1,177 month!
      - Up to 85% of Benefits are Taxed!
      2030: Medicare Trust Fund
      is Broke!
      2037: Social Security Trust Fund is Broke!
      The likely solution
      say most experts
      is MORE Taxes!
    • 103.
    • 104. But What Else is Left?
    • 105. But What Else is Left?
      What Possible Investment is There?!
    • 106. "The Difficulty lies
      not in the new ideas,
    • 107. "The Difficulty lies
      not in the new ideas,
      but in escaping
      from the old ones."
      John Maynard Keynes
      20th Century Economist
      "The General Theory of Employment, Interest and Money"
    • 108. “The solution: a new type of ‘insurance’.
    • 109. “The solution: a new type of ‘insurance’.
      Retirement savings, it turns out, are exactly
      the type of asset we need insurance for.
    • 110. “The solution: a new type of ‘insurance’.
      Retirement savings, it turns out, are exactly
      the type of asset we need insurance for.
      We need insurance to protect against risks we
      can't predict (when the market collapses)
      and can't afford to recover from on our own.”
    • 111. Fortunately,
      there ISa
      “NEW” Solution!
    • 112. With all these benefits, today it is called …
      "The 'NEW' Asset Class Investment"
      March 26, 2008
      "This is a safe bet, long term
      investment with high interest,
      almost no volatility and liquid.
    • 113. With all these benefits, today it is called …
      "The 'NEW' Asset Class Investment"
      March 26, 2008
      "This is a safe bet, long term
      investment with high interest,
      almost no volatility and liquid.
      You do not have to die to enjoy
      these returns (and) it can
      work like a Roth ...
    • 114. “It’s dramatic advantage is that
      you pay no tax on the gains
      ever, and you can spend them
      while you are alive tax free.”
    • 115. WHAT IS IT?!
    • 116. Permanent Life Insurance
    • 117. For Retirement Savings
      it’s often called a
      “Private Plan”
    • 118. For Retirement Savings
      it’s often called a
      “Private Plan”
      It IS Approved by Congress
      and Regulated by the IRS
      with IRC 7702(a)
    • 119. "It ain't what you don't know
      that gets you into trouble.
    • 120. "It ain't what you don't know
      that gets you into trouble.
      It's what you know for sure
      that just ain't so."
      Mark Twain
    • 121. April 2009
      Myth. Life Insurance is not a good investment.
    • 122. April 2009
      Myth. Life Insurance is not a good investment.
      “This canard spread as 401(k)s and IRA's supplanted
      Life Insurance as Americans' most popular ways to build
      Savings while deferring taxes. But two factors point to
      a revival of Life insurance as an investment:
    • 123. April 2009
      Myth. Life Insurance is not a good investment.
      “This canard spread as 401(k)s and IRA's supplanted
      Life Insurance as Americans' most popular ways to build
      Savings while deferring taxes. But two factors point to
      a revival of Life insurance as an investment:
      One is guaranteed credits on cash values,
      which means if you pay the premiums, you
      cannot lose money unless the company fails.
      (The other is if you are over 65, you can
      often sell it for several times its cash value)!”
    • 124. April 2009
      Myth. Life Insurance is not a good investment.
      “This canard spread as 401(k)s and IRA's supplanted
      Life Insurance as Americans' most popular ways to build
      Savings while deferring taxes. But two factors point to
      a revival of Life insurance as an investment:
      One is guaranteed credits on cash values,
      which means if you pay the premiums, you
      cannot lose money unless the company fails.
      (The other is if you are over 65, you can
      often sell it for several times its cash value)!”
      TRUTH: “A good investment is one in which you put money
      away now and have more later. Checked your 401(k) lately?”
    • 125. BUT this is NOT your
      Grandparents Life Insurance!
    • 126. Returns can be
      LINKED
      to the S&P 500
      (or other index)
    • 127. Returns can be
      LINKED
      to the S&P 500
      (or other index)
      You are
      NOT
      INthe
      stock market!
    • 128. Returns can be
      LINKED
      to the S&P 500
      (or other index)
      You are
      NOT
      INthe
      stock market!
      This means you
      KEEP
      ALL
      Annual
      gains!
    • 129. Your Principal
      and Gains
      CANNOT
      go down in value
      because of
      the market --
      they can only goUP!
    • 130. Juicing Your Life Insurance
      5 June 2010
      This year's hottest life-insurance product
      is well-suited to an era of sudden "flash
      crashes" and overall uncertainty: It appeals
      to people eager to capture stock-market
      gainswhile avoiding undue risk. The
      product (is) "indexed universal life”.
    • 131. Juicing Your Life Insurance
      5 June 2010
      The twist in these new policies is the use of a
      stock-market index to help determine the interest
      rate for the cash-value account. In many versions,
      insurers link to the Standard & Poor's 500-stock
      index, but cap the annual interest rate …
    • 132. Juicing Your Life Insurance
      5 June 2010
      The twist in these new policies is the use of a
      stock-market index to help determine the interest
      rate for the cash-value account. In many versions,
      insurers link to the Standard & Poor's 500-stock
      index, but cap the annual interest rate … For
      downside protection, some policies promise a
      minimum interest rate of as much as 2%, even in
      losing years for stocks, while others simply
      protect against losses.
    • 133. Juicing Your Life Insurance
      5 June 2010
      The product "resonates with people" says the chief actuary (for one co.).
      “It has a guarantee so
      people can sleep at night,
      and it has upside potential”.
    • 134. For Retirement Savings…
      ZERO IS HERO!
    • 135. How well can this 'solution' work?
      Hypothetical Past 20 years to 12/31/10
      (Age 40 to 59)
      Based on ACTUAL S&P 500 Index gains using
      Current Crediting Formula & Expenses
      (including zero gain years)
      7 – 8% NET per year!
    • 136. This is
      Indexed Life!
      THE Retirement Savings
      Investment for the Future!
    • 137. Thanks to IRS IRC: 7702(a)
      Indexed Universal Life (IUL)
      is the ONLYInvestment approved by Congress
      and the IRS to provide
      youALLof these
      Benefits and Features ...
    • 138. TAX FREE Income!
    • 139. TAX FREE to Heirs!
    • 140. Putnam Investment Retirement Survey 2005
      “A majority of retirees said their
      BIGGEST MISTAKE
      in planning for Retirement
      was failing to invest in
      TAX FREE Accounts.”
    • 141. Putnam Investment Retirement Survey 2005
      “A majority of retirees said their
      BIGGEST MISTAKE
      in planning for Retirement
      was failing to invest in
      TAX FREE Accounts.”
      With Indexed Life …
    • 142. ...it's OTHER dramatic advantage is that you pay
      NO tax on the gains ever –
      Your Retirement Income
      is Tax Free!
    • 143. 7 - 8% IUL NET 1991-2010
      vs.
      DALBAR Report 20 Year Investor Behavior to 2010
      4-1-11
    • 144. 7 - 8% IUL NET 1991-2010
      vs.
      DALBAR Report 20 Year Investor Behavior to 2010
      4-1-11
      "Market" S&P 500 = 9.14% gross
    • 145. 7 - 8% IUL NET 1991-2010
      vs.
      DALBAR Report 20 Year Investor Behavior to 2010
      4-1-11
      "Market" S&P 500 = 9.14% gross
      NET Investor ROI =3.83% ACTUAL!
    • 146. 7 - 8% IUL NET 1991-2010
      vs.
      DALBAR Report 20 Year Investor Behavior to 2010
      4-1-11
      "Market" S&P 500 = 9.14% gross
      NET Investor ROI =3.83% ACTUAL!
      RESULT: 20 Year IUL Net > Market!
    • 147. Indexed Life also does NOT have the Restrictive
      Qualified Plan Contribution, Access and Loan Rules!
    • 148. 403b/457/401kIUL
      Contribution Limit $16,500 NONE
    • 149. 403b/457/401kIUL
      Contribution Limit $16,500 NONE
      Pre 59.5 Penalty 10% Federal NONE
      PlusState
    • 150. 403b/457/401kIUL
      Contribution Limit $16,500 NONE
      Pre 59.5 Penalty 10% Federal NONE
      PlusState
      Mandatory Distribution 70.5 NONE
    • 151. 403b/457/401kIUL
      Contribution Limit $16,500 NONE
      Pre 59.5 Penalty 10% Federal NONE
      PlusState
      Mandatory Distribution 70.5 NONE
      Accelerated Terminal noto $1 million
      Illness Advance
    • 152. Plan LOAN403b/457/401kIUL
      Amount 50% to $50kNO Limit
    • 153. Plan LOAN403b/457/401kIUL
      Amount 50% to $50kNO Limit
      Loan Repayment mandatoryOptional
    • 154. Plan LOAN403b/457/401kIUL
      Amount 50% to $50kNO Limit
      Loan Repayment mandatoryOptional
      Quit/Fired/Co. 'broke' 90 days N/A
      repay in full
    • 155. Plan LOAN403b/457/401kIUL
      Amount 50% to $50kNO Limit
      Loan Repayment mandatoryOptional
      Quit/Fired/Co. 'broke' 90 days N/A
      repay in full
      Late with payment 30 day grace N/A
      orALLTaxable
    • 156. Indexed Life also includes:
      LifetimeLife Insurance
      (may guarantee Retirement Plan
      completion for Survivor Spouse)
    • 157. The Life Insurance can also be used for
      PENSION MAX
      to Increase Your Pension Income $hundreds or $thousands per month!
      Popular for Teacher & Government Pension Plans:
      STRS [State Teachers Retirement System]
      PERS [Public Employees Retirement System]
    • 158. Accelerated “Living” Benefit
      With 1 or 2 year terminal diagnosis
      up to $1 million Advance Benefit!
    • 159. Accelerated “Living” Benefit
      With 1 or 2 year terminal diagnosis
      up to $1 million Advance Benefit!
      Money can be used for ANYpurpose -
      including treatment that could
      SAVE YOUR LIFE!
    • 160. With Indexed Life
      You can also …
      Be Your OWN Banker!
      (Great Financial Strategy for those in their 20's & 30's!)
      You can use your savings to finance your life while on your journey to retirement!
    • 161. AND Finance Your Retirement TOO
      While You D0!
      Age 40
      Save $1,000 Month
      to Age 65
    • 162. AND Finance Your Retirement TOO
      While You D0!
      Age 65 Cash Value
      = $857,000
    • 163. AND Finance Your Retirement TOO
      While You D0!
      Age 65 Cash Value
      = $857,000
      Tax Free Retirement Income = $50,000 Yr!
    • 164. AND Finance Your Retirement TOO
      While You D0!
      Age 65 Cash Value
      = $857,000
      Tax Free Retirement Income = $50,000 Yr!
      Age 85 Cash Value = $2,229,000!
    • 165. AND Finance Your Retirement TOO
      While You D0!
      Age 65 Cash Value
      = $857,000
      Tax Free Retirement Income = $50,000 Yr!
      Age 85 Cash Value = $2,229,000!
      (Or give Yourself
      a Raise!)
    • 166. The BEST COLLEGE SAVINGS Plan!
      * Can take out “Tuition” Tax/Penalty Free!
    • 167. The BEST COLLEGE SAVINGS Plan!
      * Can take out “Tuition” Tax/Penalty Free!
      * NOT included in college aid formulas!
    • 168. The BEST COLLEGE SAVINGS Plan!
      * Can take out “Tuition” Tax/Penalty Free!
      * NOT included in college aid formulas!
      * CV Remains the Parents Savings!
    • 169. The BEST COLLEGE SAVINGS Plan!
      * Can take out “Tuition” Tax/Penalty Free!
      * NOT included in college aid formulas!
      * CV Remains the Parents Savings!
      * Balance can continue to grow to provide
      Tax FREE Retirement Income!
    • 170. The BEST COLLEGE SAVINGS Plan!
      * Can take out “Tuition” Tax/Penalty Free!
      * NOT included in college aid formulas!
      * CV Remains the Parents Savings!
      * Balance can continue to grow to provide
      Tax FREE Retirement Income!
      * Life Insurance on Parent to guarantee
      College paid for if premature death.
    • 171. Or You Can Keep “Saving” in Mutual Funds!
    • 172. BONUS!
      TheTax Free Income from Indexed Life
      (unlike Municipal Bonds
      and Qualified Savings withdrawals)
    • 173. BONUS!
      TheTax Free Income from Indexed Life
      (unlike Municipal Bonds
      and Qualified Savings withdrawals)
      isNOTincluded in
      the formula to tax
      up to 85% of your
      Social Security!
    • 174. BONUS!
      TheTax Free Income from Indexed Life
      (unlike Municipal Bonds
      and Qualified Savings withdrawals)
      isNOTincluded in
      the formula to tax
      up to 85% of your
      Social Security!
      An IUL plan may be the easiest, 'cheapest' and BEST way to Save for Retirement AND Avoid this Tax!
    • 175. November 2007
      BEST ALL-AROUND
      RETIREMENT ACCOUNT
      is the Roth IRA:
      “There's no up-front tax break [IUL],
      but decades of tax-free growth [IUL],
      plus tax-free income in retirement [IUL].”
    • 176. November 2007
      BEST ALL-AROUND
      RETIREMENT ACCOUNT
      is the Roth IRA:
      “There's no up-front tax break [IUL],
      but decades of tax-free growth [IUL],
      plus tax-free income in retirement [IUL].”
      Why Stop There?! Even BETTER is ...
    • 177. An IUL "SUPER ROTH"!
      Unlikea Roth ...
      * NO Contribution Limits.
    • 178. An IUL "SUPER ROTH"!
      Unlikea Roth ...
      * NO Contribution Limits.
      * NO Income Restrictions.
    • 179. An IUL "SUPER ROTH"!
      Unlikea Roth ...
      * NO Contribution Limits.
      * NO Income Restrictions.
      * Includes Hundreds of Thousands $'s
      (or more) in Life Insurance from Day 1
      [NOT Allowed in Roth! Use it to Pension Max!]
    • 180. An IUL "SUPER ROTH"!
      Unlikea Roth ...
      * NO Contribution Limits.
      * NOIncome Restrictions.
      * Includes Hundreds of Thousands $'s
      (or more) in Life Insurance from Day 1
      [NOT Allowed in Roth! Use it to Pension Max!]
      * NOIRS or State Penalties
      for pre 59.5 access to gains.
    • 181. * NO 5 Year wait for Tax Free Access!
    • 182. * NO 5 Year wait for Tax Free Access!
      * Loans Allowed(payments not required!)
      Can USE the savings to ...
    • 183. * NO 5 Year wait for Tax Free Access!
      * Loans Allowed(payments not required!)
      Can USE the savings to ...
      * Be Your "Own Banker"!
    • 184. * NO 5 Year wait for Tax Free Access!
      * Loans Allowed(payments not required!)
      Can USE the savings to ...
      * Be Your "Own Banker"!
      * Children (or Grandchildren's) College Fund!
    • 185. * NO 5 Year wait for Tax Free Access!
      * Loans Allowed(payments not required!)
      Can USE the savings to ...
      * Be Your "Own Banker"!
      * Children (or Grandchildren's) College Fund!
      * Tax Benefits Grandfathered ...
      so NO Tax Change Risk!
    • 186. * NO 5 Year wait for Tax Free Access!
      * Loans Allowed(payments not required!)
      Can USE the savings to ...
      * Be Your "Own Banker"!
      * Children (or Grandchildren's) College Fund!
      * Tax Benefits Grandfathered ...
      so NO Tax Change Risk!
      * NO MARKET RISK – You KEEP the Gains!
    • 187. * NO 5 Year wait for Tax Free Access!
      * Loans Allowed(payments not required!)
      Can USE the savings to ...
      * Be Your "Own Banker"!
      * Children (or Grandchildren's) College Fund!
      * Tax Benefits Grandfathered ...
      so NO Tax Change Risk!
      * NO MARKET RISK – You KEEP the Gains!
      Roth OR IUL "Super Roth"?IUL!
    • 188. In case you were wondering,
      many of the companies who
      offer IUL are among the oldest
      (over 100 to 150 years old),
      most stable, best rated,
      AND
      largest financial services
      companies in the world!
    • 189. In case you were wondering,
      many of the companies who
      offer IUL are among the oldest
      (over 100 to 150 years old),
      most stable, best rated,
      AND
      largest financial services
      companies in the world!
      [Checks from Ins. Co.’s are a major reason
      why many survived the Great Depression!]
    • 190. FINAL TRUTH
      Indexed Life may be YOUR
      LAST Chance Retirement!
    • 191.
    • 192. NET CASH VALUE – Saving Stage
      [NET Fees, Pre 59.5 Penalties and Taxes]
      Age 45 PNT / Save $1,000 mo. for 20 years
      [Average Past 25, Thirty Year Periods (since 1953)]
      YearQualifiedIUL
      5 60,918 57,747
      6 74,989 74,913 10 138,667 164,919
      15 271,882 324,799
      20 416,619 569,405
    • 193. NET Retirement - Income Stage
      Starting Age 66 / 35% MTR (pre/post retirement)
      YearQualifiedIUL
      (66) 21 54,000 54,000 NET
      25 54,000 54,000
    • 194. NET Retirement - Income Stage
      Starting Age 66 / 35% MTR (pre/post retirement)
      YearQualifiedIUL
      (66) 21 54,000 54,000 NET
      25 54,000 54,000
      30 BROKE!54,000
      40 054,000
      45 054,000
      50 054,000
      (100) 55 054,000
    • 195. NET Cash Value and IRR
      YearQualifiedIRRIULIRR
      20 416,619 5.00% 569,405 7.66%
      25 177,518 4.44% 547,239 8.13%
      30 BROKE! 0% 551,109 8.48%
      35 00% 609,981 8.79%
      40 00% 759,719 9.03%
      45 00% 1,053,434 9.21%
      50 00% 1,645,896 9.37%
      55 00% 2,909,552 9.54%
    • 196. What IF the Stock Market / S&P “Tanks” for Years in a Row?
      10 Year S&P 500 IUL
      GainsNO Cap 16% Cap
      (per year)Actual100% PR*
      1983 5.06% 7.45%
      1982 1.40% 5.97%
      1981 2.86% 6.59%
      1980 3.87% 7.17%
      19791.34%6.10%
      Past 5 Yrs 2.91% 6.65%
      1978 0.11% 5.40%
      1977 0.87% 5.82%
      1976 2.90% 6.84%
      1975 0.48% 5.52%
      1974-0.31%5.17%
      Past 10 Yrs 1.86% 6.20%
      * Participation Rate
    • 197. What IF the Stock Market / S&P “Tanks” for Years in a Row?
      The average 10 year gain of the S&P
      in an IUL the past 65 years is 9.05%.
      [18% historical average cap]
      10 Year S&P 500 IUL
      GainsNO Cap 16% Cap
      (per year)Actual100% PR*
      1983 5.06% 7.45%
      1982 1.40% 5.97%
      1981 2.86% 6.59%
      1980 3.87% 7.17%
      19791.34%6.10%
      Past 5 Yrs 2.91% 6.65%
      1978 0.11% 5.40%
      1977 0.87% 5.82%
      1976 2.90% 6.84%
      1975 0.48% 5.52%
      1974-0.31%5.17%
      Past 10 Yrs 1.86% 6.20%
      * Participation Rate
    • 198. What IF the Stock Market / S&P “Tanks” for Years in a Row?
      The average 10 year gain of the S&P
      in an IUL the past 65 years is 9.05%.
      [18% historical average cap]
      The worst stretch during that time was 1974 to 1983 when the S&P
      10 year gains averaged 1.86% per yr.
      10 Year S&P 500 IUL
      GainsNO Cap 16% Cap
      (per year)Actual100% PR*
      1983 5.06% 7.45%
      1982 1.40% 5.97%
      1981 2.86% 6.59%
      1980 3.87% 7.17%
      19791.34%6.10%
      Past 5 Yrs 2.91% 6.65%
      1978 0.11% 5.40%
      1977 0.87% 5.82%
      1976 2.90% 6.84%
      1975 0.48% 5.52%
      1974-0.31%5.17%
      Past 10 Yrs 1.86% 6.20%
      * Participation Rate
    • 199. What IF the Stock Market / S&P “Tanks” for Years in a Row?
      The average 10 year gain of the S&P
      in an IUL the past 65 years is 9.05%.
      [18% historical average cap]
      The worst stretch during that time was 1974 to 1983 when the S&P
      10 year gains averaged 1.86% per yr.
      But at an average (low) cap of 16%
      IUL would of averaged 6.20% per year – a gain that is 233% MORE!
      10 Year S&P 500 IUL
      GainsNO Cap 16% Cap
      (per year)Actual100% PR*
      1983 5.06% 7.45%
      1982 1.40% 5.97%
      1981 2.86% 6.59%
      1980 3.87% 7.17%
      19791.34%6.10%
      Past 5 Yrs 2.91% 6.65%
      1978 0.11% 5.40%
      1977 0.87% 5.82%
      1976 2.90% 6.84%
      1975 0.48% 5.52%
      1974-0.31%5.17%
      Past 10 Yrs 1.86% 6.20%
      * Participation Rate
    • 200. What IF the Stock Market / S&P “Tanks” for Years in a Row?
      The average 10 year gain of the S&P
      in an IUL the past 65 years is 9.05%.
      [18% historical average cap]
      The worst stretch during that time was 1974 to 1983 when the S&P
      10 year gains averaged 1.86% per yr.
      But at an average (low) cap of 16%
      IUL would of averaged 6.20% per year – a gain that is 233% MORE!
      This is because IUL KEEPS
      its prior annual gains so when
      the market goes up again it
      BUILDS on those gains
      instead of having to recover 1st!
      10 Year S&P 500 IUL
      GainsNO Cap 16% Cap
      (per year)Actual100% PR*
      1983 5.06% 7.45%
      1982 1.40% 5.97%
      1981 2.86% 6.59%
      1980 3.87% 7.17%
      19791.34%6.10%
      Past 5 Yrs 2.91% 6.65%
      1978 0.11% 5.40%
      1977 0.87% 5.82%
      1976 2.90% 6.84%
      1975 0.48% 5.52%
      1974-0.31%5.17%
      Past 10 Yrs 1.86% 6.20%
      * Participation Rate
    • 201. What IF the Stock Market / S&P “Tanks” for Years in a Row?
      The average 10 year gain of the S&P
      in an IUL the past 65 years is 9.05%.
      [18% historical average cap]
      The worst stretch during that time was 1974 to 1983 when the S&P
      10 year gains averaged 1.86% per yr.
      But at an average (low) cap of 16%
      IUL would of averaged 6.20% per year – a gain that is 233% MORE!
      This is because IUL KEEPS
      its prior annual gains so when
      the market goes up again it
      BUILDS on those gains
      instead of having to recover 1st!
      Indexed Life =
      Retirement Security!
      10 Year S&P 500 IUL
      GainsNO Cap 16% Cap
      (per year)Actual100% PR*
      1983 5.06% 7.45%
      1982 1.40% 5.97%
      1981 2.86% 6.59%
      1980 3.87% 7.17%
      19791.34%6.10%
      Past 5 Yrs 2.91% 6.65%
      1978 0.11% 5.40%
      1977 0.87% 5.82%
      1976 2.90% 6.84%
      1975 0.48% 5.52%
      1974-0.31%5.17%
      Past 10 Yrs 1.86% 6.20%
      * Participation Rate
    • 202. Indexed Life – KEEP the GAINS!
    • 203. Retirement: Secure Pension = Better Sleep
      November 2, 2009
      Study of 14,714 participants over 16
      years found a sharp decrease in sleep
      disturbances in financially secure retirees.
      “Where there is no proper pension level to guarantee
      financial security beyond working age, retirement may
      be followed by severe stress disturbing sleep even
      more than before retirement.”
    • 204. Qualified Plans
      (403b/401k/457/
      IRA/SEP/Roth)
    • 205. Qualified Plans
      (403b/401k/457/
      IRA/SEP/Roth)
      -Market Risk
    • 206. Qualified Plans
      (403b/401k/457/
      IRA/SEP/Roth)
      -Market Risk
      -Future Tax Increases
    • 207. Qualified Plans
      (403b/401k/457/
      IRA/SEP/Roth)
      -Market Risk
      -Future Tax Increases
      -Taxes on Social Security
    • 208. Qualified Plans
      (403b/401k/457/
      IRA/SEP/Roth)
      -Market Risk
      -Future Tax Increases
      -Taxes on Social Security
      = Sinking / Broke Retirement!
    • 209. Indexed Life=
      Retirement Peace of Mind!
    • 210. Indexed Life=
      Retirement Peace of Mind!
      * Eliminate ALL Future ...
      - Increased Tax Rate Risk!
      - Stock Roller Coaster Anxiety!
    • 211. Indexed Life=
      Retirement Peace of Mind!
      * Eliminate ALL Future ...
      - Increased Tax Rate Risk!
      - Stock Roller Coaster Anxiety!
      *Feel confident about earning - and
      KEEPING– most Future Market Gains!
    • 212. Indexed Life=
      Retirement Peace of Mind!
      * Eliminate ALL Future ...
      - Increased Tax Rate Risk!
      - Stock Roller Coaster Anxiety!
      *Feel confident about earning - and
      KEEPING– most Future Market Gains!
      *Enjoy Steady, Tax Free Income!
    • 213. This is the "tip of the iceberg" about
      the MANY Indexed Life Benefits!
    • 214. "Twenty years from now
      you will be more
      disappointed by the
      things you didn't do than
      by the ones you did do."
      Mark Twain
    • 215. Indexed Life Private Plan
      Is it Right for You?
    • 216. Indexed Life Private Plan
      Is it Right for You?
      If you are saving in a 401k, 403b, 457,
      SEP, Roth or IRA the answer is likely
      YES!
    • 217. Indexed Life Private Plan
      Is it Right for You?
      If you are saving in a 401k, 403b, 457,
      SEP, Roth or IRA the answer is likely
      YES!
      Let us help you answer that question and show you the difference in Pre Retirement and Retirement Benefits and Income!
    • 218. Many Retirees Cannot Meet Basic Needs!
      Brandeis University Study / February 2009
      "78% of retiring Americans may not
      be able to meet basic expenses for
      the remainder of their lives, ...
    • 219. Many Retirees Cannot Meet Basic Needs!
      Brandeis University Study / February 2009
      "78% of retiring Americans may not
      be able to meet basic expenses for
      the remainder of their lives, ...
      ...today 1/3 have no money left over after meeting essential expenses,...
    • 220. Many Retirees Cannot Meet Basic Needs!
      Brandeis University Study / February 2009
      "78% of retiring Americans may not
      be able to meet basic expenses for
      the remainder of their lives, ...
      ...today 1/3 have no money left over after meeting essential expenses,...
      and younger people may be facing
      an even bleaker financial future
      for their retirement years.”
    • 221.
    • 222.
    • 223.
    • 224. YOU HAVE A CHOICE!
      DON'T Become a Casualty
      of the Looming Boomer
      Retirement (& TAX) Catastrophe!
    • 225. YOU HAVE A CHOICE!
      DON'T Become a Casualty
      of the Looming Boomer
      Retirement (& TAX) Catastrophe!
      It IS time to Save a
      SMARTER, BETTER Way!
    • 226. YOU HAVE A CHOICE!
      DON'T Become a Casualty
      of the Looming Boomer
      Retirement (& TAX) Catastrophe!
      It IS time to Save a
      SMARTER, BETTER Way!
      TAX FREE Indexed Life!
    • 227. "Even if you're on
      the right track,
    • 228. "Even if you're on
      the right track,
      You'll get run over if
      you just sit there."
      Will Rogers
    • 229.
    • 230. The Time is NOW toSave a BETTER Way!
      Jerry Stonehouse
      781 749 3019
      jstonehous@earthlink.net
      Hingham MA

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