COMBINED QUALIFIED PENSION PLANCONCURRENT OFFSET, AGGREGATED BENEFITS & POST RETIREMENTMEDICAL BENEFITS UNDER IRC §401(H)F...
© 2009 Barry Fine
© 2009 Barry Fine3A fixed indexed annuity is a long-term, tax-deferred investment designed for retirement whose guarantees...
© 2009 Barry Fine4In the last year, your employees have watched their parents and seniorcolleagues experience chilling los...
© 2009 Barry Fine5CBS 60 Minutes report on the 401k Fallouthttp://www.cbsnews.com/video/watch/?id=4955194n
© 2009 Barry Fine6Your employees are the mostvaluable asset of your company.Express your gratitude by giving them confiden...
© 2009 Barry Fine7Your success as a CEO or businessowner is a direct result of the talent youhave brought on board and dev...
© 2009 Barry Fine8One way to show your appreciation for theirloyalty and hard work is to provide them witha financially st...
© 2009 Barry Fine9If you take this approach to the managementof your company–and the 401(k) plan youprovide your workforce...
© 2009 Barry Fine10• Demonstrate that “doing the right thing” is a core valueof the culture of your company• Recognize and...
© 2009 Barry Fine11• 53% of pre-retirees are worried they’ll outlivetheir money after they retire1• 43% of pre-retirees ar...
© 2009 Barry Fine12Allay these fears, pre-and post-retirement,by offering retirementportfolio management thatis governed b...
© 2009 Barry Fine13Just-in-Time Retirement Funding™ isa forward-thinking approach to themanagement of defined contribution...
© 2009 Barry Fine14The Just-in-Time approachcontemplates the expensesassociated with the lifestyle andincome needs of plan...
© 2009 Barry Fine15Building your nest egg is different than tapping itShifting gears
© 2009 Barry Fine16HowWorks
© 2009 Barry Fine17Cumulative SavingsLongevity ManagementAssetProtectionIncome to SustainQuality of LifeAssetGatheringTran...
© 2009 Barry Fine18
© 2009 Barry Fine19Assets you need for income todayshould be invested differently thanthe assets you’ll need for incomeman...
© 2009 Barry Fine20Retirement income is an annual fundingneed that can be benchmarked andfinancially forecast. If the inve...
© 2009 Barry Fine21Just-in-Time Retirement Funding™ tiesthe investing strategy to the timing offuture expenses and maximiz...
© 2009 Barry Fine22• Reduces the risk associated with marketvolatility and interest rate declinesThis approach:
© 2009 Barry Fine23• Links investment savings to future lifestyleand income expensesThis approach:
© 2009 Barry Fine24• Acts as a hedge against inflationThis approach:
© 2009 Barry Fine25• Reduces/eliminates the fear of outlivingyour assetsThis approach:
© 2009 Barry Fine26• Secures steady Lifestyle Essential Incomeand protects associated principalThis approach:
© 2009 Barry Fine27• Uses fixed index annuities to transfer therisk of a down market to the insurancecompanyThis approach:
© 2009 Barry Fine28Offers a combination of insurance guarantees and benefits:• Long-term tax deferral of retirement assets...
© 2009 Barry Fine29• Leaving a legacy for family and lovedonesThis approach:
© 2009 Barry Fine30
© 2009 Barry Fine31
© 2009 Barry Fine32Moving toward risk managementDiversify(Asset allocation)Hedge(Transfer some risk)Insure(Transfer all ri...
© 2009 Barry Fine33Your employees are the mostvaluable asset of your company…• Express your gratitude by giving them confi...
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No 401(k) Plan Advisor with FWM, PRIME, and Just-in-Time Retirement Funding

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  • FWM Combined Qualified Plan provides advanced planning inside pension: 1. Fund business buy/sell agreements, ESOPs, Captives 2. Fund charitable planning 3. Fund Long-term Care, single pay, post retirement 4. Fund estate equalization plan 5. Fund DB corpus in fixed and indexed annuities 6. Fund healthcare/medical expense account 7. Fund tax reserve to pay tax on RMD distributions 8. Fund to reduce quarterly tax estimates 9. Fund to reduce payroll tax, FICA, AGI 10. Fund to increase savings up to 8x the max pension limit.
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No 401(k) Plan Advisor with FWM, PRIME, and Just-in-Time Retirement Funding

  1. 1. COMBINED QUALIFIED PENSION PLANCONCURRENT OFFSET, AGGREGATED BENEFITS & POST RETIREMENTMEDICAL BENEFITS UNDER IRC §401(H)FINEX WEALTH MANAGEMENT, INC.“NO 401(k) Plan Advisory Fee” withJust-in-Time Retirement Funding™ (Qualifying States Only)BARRY M. FINESENIOR FINANCIAL ADVISORFINEX WEALTH MANAGEMENT, INC.1201 Broadway, Suite 803New York, NY 10001631.513.8822An Independent Advanced Financial Strategies, Inc. Group Affiliate*****“NO 401(k) Plan Advisory Fee” withJust-in-Time Retirement Funding™ (Qualifying States Only)
  2. 2. © 2009 Barry Fine
  3. 3. © 2009 Barry Fine3A fixed indexed annuity is a long-term, tax-deferred investment designed for retirement whose guarantees arebacked by the claims paying ability of the underlying insurance carrier. It allows you to create a fixed stream ofincome through policy riders or through a process called annuitization.As with most things in life, a fixed indexed annuity does have limitations. If you decide to take your money outearly, you may face fees called surrender charges. Plus, if youre not yet 59½, you may also have to pay anadditional 10% tax penalty on top of ordinary income taxes. A death benefit is available and naturally, if you dotake an early withdrawal, your death benefit and the cash value of the annuity contract will be reduced.You should also know that an annuity contains guarantees and protections that are subject to the issuing insurancecompany’s ability to pay for them. An annuity is a contract between you and an insurance company and it’s sold byprospectus. While it may take some time, you should read these documents.You should consider the investment objectives, risks and charges, of the fixed indexed annuity and itsunderlying options carefully before investing. The prospectuses for the fixed indexed annuity and containinformation about the product. You can obtain current prospectuses from your Financial Advisor. Youshould read the prospectuses carefully before investing.•Not a deposit • Not FDIC or NCUSIF insured •Not guaranteed by the institution•Not insured by any federal government agency • May lose value
  4. 4. © 2009 Barry Fine4In the last year, your employees have watched their parents and seniorcolleagues experience chilling losses creating tremendous anxiety thatthere will not be enough money to live on.$100 Invested in S&P 500 (1998-2008)“Standard & Poor’s”, “S&P 500”, Standard & Poor’s 500” and “500” are trademarks of TheMcGraw-Hill Companies, Inc. Period used for comparison is 9/30/98 through 9/30/08
  5. 5. © 2009 Barry Fine5CBS 60 Minutes report on the 401k Fallouthttp://www.cbsnews.com/video/watch/?id=4955194n
  6. 6. © 2009 Barry Fine6Your employees are the mostvaluable asset of your company.Express your gratitude by giving them confidence that theirretirement assets are being carefully and prudently managed.
  7. 7. © 2009 Barry Fine7Your success as a CEO or businessowner is a direct result of the talent youhave brought on board and developedinto the leadership of your organization.
  8. 8. © 2009 Barry Fine8One way to show your appreciation for theirloyalty and hard work is to provide them witha financially stable employment environmentand the prospect of a secure retirement.
  9. 9. © 2009 Barry Fine9If you take this approach to the managementof your company–and the 401(k) plan youprovide your workforce–you can rest easy knowing you are doing theright thing for your people.
  10. 10. © 2009 Barry Fine10• Demonstrate that “doing the right thing” is a core valueof the culture of your company• Recognize and reward employee loyalty• Create confidence in the employee’s mind as to thesecurity of their retirement, especially in times ofmarket volatility• Improve employee retention• Gain an external reputation as a “best place to work”• Provide access for small and medium sizedbusinesses to an investing philosophy used by largepension funds and the ultra-wealthyBy practicing good stewardship regarding the fundsyou are managing in the retirement plan you haveprovided your employees you:
  11. 11. © 2009 Barry Fine11• 53% of pre-retirees are worried they’ll outlivetheir money after they retire1• 43% of pre-retirees aren’t confident their moneywill last for at least 25 years2• 67% of retirees underestimate average lifeexpectancy31 Gallup, 2008.2 AARP, July 2005.3 Longevity: The Underlying Driver of Retirement Risk, Society of Actuaries, July 2006.
  12. 12. © 2009 Barry Fine12Allay these fears, pre-and post-retirement,by offering retirementportfolio management thatis governed bythe highest and beststandards of stewardship.
  13. 13. © 2009 Barry Fine13Just-in-Time Retirement Funding™ isa forward-thinking approach to themanagement of defined contributionplans and individual retirementassets that ties the investing strategyto the timing of future expenses.
  14. 14. © 2009 Barry Fine14The Just-in-Time approachcontemplates the expensesassociated with the lifestyle andincome needs of plan participantsrather than subjecting plan assets tothe uncertainties of the financialmarkets trying to increase the netvalue of the pool.
  15. 15. © 2009 Barry Fine15Building your nest egg is different than tapping itShifting gears
  16. 16. © 2009 Barry Fine16HowWorks
  17. 17. © 2009 Barry Fine17Cumulative SavingsLongevity ManagementAssetProtectionIncome to SustainQuality of LifeAssetGatheringTransfer35 45 55 62 65 67 75 85 95Age of Consumer401(k) , Profit Sharing, Thrift & Savings, Group Keogh, DC Pension, Section 457, 403(b) PlansIRAMutual Funds, ETFsManaged AccountsFixed Indexed AnnuityLife InsuranceAccumulationand ProtectionIncome Distributionand Preservation529 College Savings PlanManaging Both Sides of the Curve
  18. 18. © 2009 Barry Fine18
  19. 19. © 2009 Barry Fine19Assets you need for income todayshould be invested differently thanthe assets you’ll need for incomemany years in the future.
  20. 20. © 2009 Barry Fine20Retirement income is an annual fundingneed that can be benchmarked andfinancially forecast. If the investingstrategy has been properly structured,laddered investments will produce acorresponding return to meet the fundingrequirement – just in time.
  21. 21. © 2009 Barry Fine21Just-in-Time Retirement Funding™ tiesthe investing strategy to the timing offuture expenses and maximizes the pre-and post-tax savings for the planparticipant.
  22. 22. © 2009 Barry Fine22• Reduces the risk associated with marketvolatility and interest rate declinesThis approach:
  23. 23. © 2009 Barry Fine23• Links investment savings to future lifestyleand income expensesThis approach:
  24. 24. © 2009 Barry Fine24• Acts as a hedge against inflationThis approach:
  25. 25. © 2009 Barry Fine25• Reduces/eliminates the fear of outlivingyour assetsThis approach:
  26. 26. © 2009 Barry Fine26• Secures steady Lifestyle Essential Incomeand protects associated principalThis approach:
  27. 27. © 2009 Barry Fine27• Uses fixed index annuities to transfer therisk of a down market to the insurancecompanyThis approach:
  28. 28. © 2009 Barry Fine28Offers a combination of insurance guarantees and benefits:• Long-term tax deferral of retirement assets• Flexible income options• Death benefit for your beneficiaries• Guaranteed interest growth every year• Potential to receive indexed interest based on potential gainsin the S&P 500 or Nasdaq 100• Protects principal, fixed interest and/or indexed interest lockedin annually regardless if the market declines.• Provides incentives to save by moving away from chasingreturns to generating an income pool for life.This approach:
  29. 29. © 2009 Barry Fine29• Leaving a legacy for family and lovedonesThis approach:
  30. 30. © 2009 Barry Fine30
  31. 31. © 2009 Barry Fine31
  32. 32. © 2009 Barry Fine32Moving toward risk managementDiversify(Asset allocation)Hedge(Transfer some risk)Insure(Transfer all risk)Why all three? Because consequences matter!
  33. 33. © 2009 Barry Fine33Your employees are the mostvaluable asset of your company…• Express your gratitude by giving them confidence that theirearned savings are being carefully and prudently managed.• Create confidence in employees minds that their retirementsavings are secure especially in times of market declines.• Provide access to an investment philosophy that is used bylarge pension funds.• Improve employee retention by gaining an external reputationas a best place to work”

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