Ieul Presentation (September 2008) Seminar (Piggy Bank)

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A great alternative to equities, providing safety, tax deferred growth, possible tax free income..

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Ieul Presentation (September 2008) Seminar (Piggy Bank)

  1. 1. Preparing for our future with our “Safe” money Saving Today’s Dollars…To Provide For Tomorrow’s Security! RB & Associates, Inc.RB & Associates, Inc. Welcome! This presentation is for illustration purposes only and is not intended as a full description of benefits. Please refer to each company’s brochure for a more comprehensive description of benefits, terms and conditions. Life and Health Insurance plans require underwriting. Benefit amounts can vary based on underwriting. Initial payment does not guarantee approval.
  2. 2. Can we count on Social Security? 16 workers16 workers to 1 retireeto 1 retiree in 1950in 1950 3.3 workers to 13.3 workers to 1 retiree todayretiree today Within 40 yearsWithin 40 years it will be 2-to-1it will be 2-to-1 “Social Security was never meant to be the sole source of income in retirement. It is often said that a comfortable retirement is based on a "three-legged stool" of Social Security, pensions and savings. American workers should be saving for their retirement on a personal basis and through employer-sponsored or other retirement plans.” Social Security Administration web site Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  3. 3. Out of everyOut of every100people100people born65to 69years ago…born65to 69years ago… •1919 HAVE INCOMES OF LESS THAN $7,000$7,000 •5050 HAVE INCOMES OF $7,000 to$7,000 to $45,000$45,000 •ONLYONLY 44 HAVE INCOMES OF MORE THAN $45,000+ 2727 have diedhave died For the remaining 73 people73 people, retirement looks like this: Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  4. 4. Most people don’tMost people don’t plan to failplan to fail…… They just failThey just fail to plan!to plan! (Usually because(Usually because they don’t knowthey don’t know there is a plan)there is a plan) Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  5. 5. What do theWhat do the 4%4% whowho retire successfully do?retire successfully do? 1. They stop procrastinating &1. They stop procrastinating & get startedget started 2. They2. They save consistentlysave consistently on a monthly basison a monthly basis 3. They put a fair share of their3. They put a fair share of their savingssavings intointo an account that has…an account that has… ●● SSafetyafety ●● AA competitivecompetitive rate of returnrate of return Saving Today’s Dollars…To Provide For Tomorrow’s Security!Saving Today’s Dollars…To Provide For Tomorrow’s Security! Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  6. 6. TheThe secretsecret to long term success…to long term success… ““Spend less than you earn, save &Spend less than you earn, save & invest the difference and do that for ainvest the difference and do that for a long time.”long time.” Ron BlueRon Blue Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  7. 7. No matter how much we make…No matter how much we make… We always seem toWe always seem to spend to that limitspend to that limit We need toWe need to pay ourselves firstpay ourselves first each month!each month! Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  8. 8. There areThere are 2 sides2 sides to theto the retirement storyretirement story AccumulationAccumulation PhasePhase DistributionDistribution PhasePhase Saving Today’s Dollars…To Provide For Tomorrow’s Security!Saving Today’s Dollars…To Provide For Tomorrow’s Security! Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  9. 9. There are 3 things we can all do with our money… •SPEND IT !!! •SAVE IT!!! •INVEST IT!!! Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  10. 10. Our money will be “safe” but… what’s been thewhat’s been the returnreturn?? Typically only 1 – 3%Typically only 1 – 3% What about going the banking route? Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  11. 11. What about going the stock market route? Saving Today’s Dollars…To Provide For Tomorrow’s Security! Option 1Option 1 OptionOption 22 Invest $10,000 in the Stock MarketInvest $10,000 in the Stock Market Place $10,000 in aPlace $10,000 in a Safe AccountSafe Account Get anGet an 80%80% increaseincrease Get aGet a 50%50% decreasedecrease Get aGet a 5%5% increaseincrease Get aGet a 5%5% increaseincrease Results?Results? $9,000$9,000 (a $1,000 loss) Results?Results? $11,025$11,025 (a $2,025 difference)(a $2,025 difference) Nasdaq, Jan 2, 2000Nasdaq, Jan 2, 2000 (+87.09%) Nasdaq, Jan 2, 2001Nasdaq, Jan 2, 2001 (– 44.52%) Year 1Year 1 Year 2Year 2
  12. 12. The average return on mutual funds? OnlyOnly 3.1%3.1% for pastfor past 25 years25 years (minus the fees)(minus the fees) Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  13. 13. No wonder they call the Stock Market the… ““Wall Street Casino”Wall Street Casino” Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  14. 14. Can we balance our need for safety… and make our money grow? Protectio n Potential IndexedIndexed UniversalUniversal LifeLife Mutual Funds Bonds Variable Ann Stocks CD’s Fixed Ann T-Bill’s Saving Today’s Dollars…To Provide For Tomorrow’s Security!Saving Today’s Dollars…To Provide For Tomorrow’s Security! Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  15. 15. What is Indexed Universal Life? Inside an insurance “wrapper”Inside an insurance “wrapper” It’s a Safe SAVINGS programIt’s a Safe SAVINGS program Savings Inside! Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  16. 16. What is the S&P 500? Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  17. 17. -45.00% -25.00% -5.00% 15.00% 35.00% 55.00% MonthlyClosing Values S&P Annual Returns 1954 - 2005 How the market works… Will it be “up” the year you retire and when you need your money? Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  18. 18. 0.00% 20.00% 40.00% 60.00% Monthly Closing Values With Indexed Universal Life You Only SHARE in Index Gains You Never SHARE in Index LOSSES S&P Annual Returns 1954 - 2005 Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  19. 19. When saving for your future, be sure to follow the rules… "Rule No. 1: Never Lose Money."Rule No. 1: Never Lose Money. Rule No 2: Never Forget Rule No. 1."Rule No 2: Never Forget Rule No. 1." Warren BuffettWarren Buffett Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  20. 20. How does an IULIUL work? Insurance “Wrapper”Insurance “Wrapper” Savings sideSavings side Your Savings DollarYour Savings Dollar 1.1. WatchesWatches S&P 500S&P 500 3. If S&P 500 “down”3. If S&P 500 “down” payspays guaranteed 1%guaranteed 1%!! 2. If S&P 500 is “up”2. If S&P 500 is “up” it paysit pays up to 15%up to 15%!! 4. When you retire…4. When you retire… take your money tax-freetake your money tax-free ((based on current tax law) Die PrematurelyDie Prematurely Become DisabledBecome Disabled The plan isThe plan is self-completingself-completing oror Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  21. 21. Immediate death benefitImmediate death benefit $226,284$226,284 (can you get that(can you get that guaranteeguarantee from your banker offrom your banker of stockbroker?)stockbroker?) Live?…Retire Tax Free! (based on current tax law) Potential Retirement Income: (age 70) +$418,581$418,581 Potentially withdrawPotentially withdraw $63,009$63,009 Tax-FreeTax-Free annually to age 120annually to age 120 (based on current tax law)(based on current tax law) Plan completed for Disabled? you! Die? Plan completed for you! We can all be better prepared…We can all be better prepared… With aWith a Self-CompletingSelf-Completing IUL Retirement PlanIUL Retirement Plan Payments made for you each month (payments made for 5 years) $334.00/monthly$334.00/monthly (must qualify for this option)(must qualify for this option) Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  22. 22. Most of us don’t hearMost of us don’t hear the 2the 2ndnd halfhalf of the retirement storyof the retirement story TheThe # 1 fear# 1 fear that retiredthat retired Americans face is…Americans face is… Outliving their money!Outliving their money! DistributionDistribution PhasePhase Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  23. 23. The 2The 2ndnd halfhalf of the retirement storyof the retirement story 70 71 72 73 74 75 76 77 78 79 80 80 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 Age Retirement Income Summary beginning at age 70 Bank CD EIULIRA/401K $ 418,581 $ 1,049,717 Out of money in 19 years Out of money in 7 years Tax-Free* $63,009 to age 120! At age 100 you would have collected $1,890,270 (tax-free)* and still leave behind * Based on current tax law Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  24. 24. Indexed Universal Life vs. MarketIndexed Universal Life vs. Market Saving Today’s Dollars…To Provide For Tomorrow’s Security!Saving Today’s Dollars…To Provide For Tomorrow’s Security! Saving Today’s Dollars…To Provide For Tomorrow’s Security!
  25. 25. RB & Associates,RB & Associates, Inc.Inc. An Insurance Marketing Company Friend’s Name Telephone # 1. 2. 3. 4. 5. 6. Bill & Susan Smith (949) 100-0001 Sam & Jill Miller (949) 200-0002 (714) 786-3201Ron & Florence Day Pete Johnson Craig & Jane Jones Tom & Sandy Wilson (949) 100-0001 (714) 962-1700 (949) 355-9801 “Providing you with a solution…not just a product.”™ Saving Today’s Dollars…To Provide For Tomorrow’s Security!

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