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The Best Plan You Never Heard of

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The Real Truth About Money …

The Real Truth About Money

1. Never Pay More Tax Than You Have To
2. Never Lose Money
3 Never Stop Compounding Your Money
4 The Shocking Truth About Retirement Plans

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  • 1. 1
  • 2. How SOLID Are Our Affiliations? Founded in 1848 Founded in 1905$44 Billion in Assets $23 Billion in Assets Founded in 1900 Founded in 1995$9.6 Billion in Assets $25.4 Billion in Assets
  • 3. What they don’t teach in school….
  • 4. Why Its Time to Retire the 401(k) By Stephen Gandel Friday, Oct. 09, 2009 http://www.time.com/time/business/article/0,8599,1929119,00.html#ixzz0okgNZ81R “The ugly truth,… is that the 401(k) is a lousy idea, a financial flop, a rotten repository for our retirement reserves.” Read more: http://www.time.com/time/business/article/0,8599,1929119,00.html#ixzz0okff0Dcf
  • 5. The Best Kept Secret The under used and until now overlooked IRS Sec. 7702.• Protects against: • Withdrawals without penalty .• Judgments Probate• Creditors Lawsuits • Tax free income to age 120 .• Taxes Market Risk • Stock market returns… upsideProvides cash for:• Emergencies no downside .• Death• Disability • Your money blossoms when• Illness transferred to your heirs .• Cancer, Heart Attack• Stroke The only good plan is one that• Long Term Care protects you and your family, no matter what…
  • 6. 7 out of 10Out of every 10 people whoreach age 65…At least 7 people will experience one the big three cancer , heart attack, and
  • 7. OUR SOLUTION... Breast Cancer $106,789.23...This LIVING BENEFIT CHECK Saved This Family From Financial Devastation... SHE completely recovered
  • 8. TIC-TAC-TOE Upside Low PotentialReturns Fixed Indexed VariableProducts Products ProductsSafety of Risk ofPrincipal Principal 8
  • 9. 15 years:Protection & Potential $211,000Many people sacrifice return for safety, and other people sacrifice Vs.safety for return. Indexing combines the best of both. $165,000 $200,000 $197,245 $190,000 $183,484 $180,000 $100,000 Invested in 1997 $170,683 $170,683 $170,000 $158,775 $160,000 $154,330 $151,836 $154,762 $150,000 $143,563 $140,217 $140,000 $133,547 $138,192 $128,379 $134,185 $133,065 $130,000 $124,230 $124,230 $130,430 $117,453 $120,396 $120,000 $115,563 $116,838 $110,000 $107,500 $109,673 $103,485 $100,000 $93,403 $90,000 8/97 8/98 8/99 8/00 8/01 8/02 8/03 8/04 8/05 8/06 8/07 8/08 8/09 8/10 8/11 Large Company Stocks Indexed Account 9
  • 10. QUESTION Will Future Tax Rates Likely Be?A. Lower?B. Same?C. Higher?
  • 11. Since 1913 the first year of an income tax.ONLY twice in the last 75 years have income tax brackets been lower than today. "The hardest thing in the world to understand is the income tax.“ Albert Einstein 11
  • 12. Qualified Plan vs. Life Savings IRS Sec. 7702 401K, IRA, TSA, 403B 40 year old saving for 25 yrs, 8% Contribution Accumulation Withdrawal Transfer heirs$500/month $475,000 $35,000/year $100,000 Tax Ded Tax Deferred Taxable After Tax Life Savings Account- IRS Sec 7702 Contribution Accumulation Withdrawal Transfer heirs$400/month $395,000 $63,000/year $2,400,000 After Tax Tax Deferred Tax Free Tax Free Cash: Critical Illness, Stroke, Heart Attack, Cancer, Long Term Care
  • 13. 401k
  • 14. Roth & Roth 401k$12,000 a year to get $12,000 a month $ 230 a week
  • 15. I am NOT against people paying taxes. I am only against overpaying taxes above what they legally owe.
  • 16. LET THE IRS PAY FOR YOUR PLAN... Gross JOB BUSINESS Income$50,000 $50,000 Deductible Expenses$10,000 $20,000$40,000 Taxable Income $30,000 28% Tax 25%$11,200 IRS Share $7,500 Tax 0 Savings $3,700
  • 17. A Home-Based Business Is One Of The Best Strategy To Legally Lower Your TaxesTax deductions, meals, home office, auto, cellphone...Review your home auto and life insurance...Raise deductibles...401K/IRA -Pay your kids instead of giving themallowances... And many more...
  • 18. Part-time ReferralsRefer 3 per year & earn $ 7,200/yr. That’s 1 every 4 months Where else can you make this kind of money part-time?
  • 19. Your Annual Financial CheckupAre You On the Road to Financial Freedom?You may have had your annual physical exam and taken your car in for scheduled service this year, but what about your annual financial checkup?
  • 20. WHAT IS THE NEXT STEP?• Review YOUR plan.• Set a follow up appointment.• Restore Your Dream!• What one thing assures failure?.... Procrastination