Is Saving Money Through A 401k or IRA The Best Way To Save For Retirement?
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Is Saving Money Through A 401k or IRA The Best Way To Save For Retirement?

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Is Saving Money Through A 401k or IRA The Best Way To Save For Retirement? Is Saving Money Through A 401k or IRA The Best Way To Save For Retirement? Presentation Transcript

  • We Are Part of a Unique Network of Financial Professionals With a Different Philosophy
    We Are Deeply Concerned About The Direction America is Headed
    The Information We Have To Share With You Is Critical To Your Financial Future!
    Since 1985
    Over 24 Years
    of
    Experience!
    We Feel That Educated Client’s Make Better Financial Decisions
    Milwaukee Magazine
    http://consumerist.com/consumer/clips/snl-skit-dont-buy-stuff-you-cant-afford-252491.php
    Single Click On Link Above To View SNL Skit About Credit Card Debt – 2 minutes
  • A New Approach
    To Building Wealth
  • Sudden
    Impact
    “As a country, we’ve hit an iceberg, we’re taking on water, and the band plays on as if nothing has happened!
    View slide
  • CouldTraditional Financial Advice Be Out-of-Touch Today?
    Pay Less Taxes In Retirement
    Focus on Higher Returns
    Diversify Your Investments
    Maximize Contributions To 401(k) Plans, SEP Plans & IRA’s
    Make Extra Payments To Your Mortgage Company
    View slide
  • Demographics
    Baby-Boomers, Gen X, Gen Y
    78 Million Baby Boomers Are Turning 60 Every 7 Seconds For The Next 19 Years
    Stress On Social Security System
    Medicare & Medicaid
    Transferring Money Out Of Stock Market
    Into Conservative Investments
    Life Expectancy Increase
    Plan Living 25 Years In Retirement
    Average Boomer Has Less Than
    $50,000 In Retirement Account
  • Government
    Spending
    $11 Trillion in U.S. Government Debt
    $41 Million in interest on U.S. Gov Debt/Hour
    $11,500 Interest on U.S. Gov Debt/Second
  • One Trillion
    Dollars
    Double Stacked Pallets of $100 Bills
  • A
    Wake Up Call
    “We are heading to a future where we’ll have to double federal taxes or cut federal spending by 60%.”
    Former Comptroller General: David Walker
    http://www.youtube.com/watch?v=QxoP_9W6FC8
    Single Click on Link Above – 8 minutes
  • Is Postponing Tax
    Really The Best Idea?
    Today After Tax $513,825
    BeforeTax$885,906
    Future After Tax $318,926
    30 Year Old
    $6,000 Yr Contribution
    1,500 Yr Match
    7,500 Yr Total
    Your IRA, pension and 401(k) benefits will be taxable at retirement, probably at a higher tax rate.
    MF p.236
  • Who’s Retirement Are You Planning Yours or Uncle Sam’s?
    $885,906 401k
    @5%
    $44,295 Gross Income
    - 14,174 Tax
    Due Every Yr 25 Yrs Retirement!
    $ 30,121 Net Income
    Uncle Sam’s Total Income
    $354,350
    Your Total Income
    $753,025
    At Your Death
    Heirs Receive
    $513,825
    At Your Death
    Uncle Sam
    Receives
    $372,081
    Total Benefit To Uncle Sam
    $726,431
    You’ve Become The Perfect Tax Payer!
  • U.S. Tax History
    1916 - 2008
    If You Think Taxes Can’t Get Worse,
    Think Again!
    100
    61.48% Average!
    90
    80
    70
    60
    Top Tax Rate %
    50
    40
    30
    20
    10
    1916
    1928
    1940
    1944
    1956
    1968
    1984
    1996
    2008
    1920
    1924
    1932
    1936
    1948
    1952
    1960
    1964
    1972
    1976
    1980
    1988
    1992
    2000
    2004
    Years
  • IRA/401k
    Tax Time Bomb!
    Former IRS Agent CPA Ed Slott
    http://www.youtube.com/watch?v=GSJoFaIy27c&NR=1
    Single Click on Link Above - 10 minutes
  • Has Your IRA/401k
    Lost 30% to 40%?
    Best Selling Author and Financial Strategist Doug Andrew
    http://vimeo.com/1705571
    Single Click on Link Above – 3 minutes
  • What If
    You Could Create An Asset
    • Tax Deferred Growth & Tax Free Withdrawals
    • Liquid – Not Tied Up To Age 591/2
    • No Market Risk To Principal – Growth S&P 500
    • Protected From Creditors
    • Self Completing In Event of Death
    • Can Avoid Estate Tax – Avoids Probate
    • Complete Control of Asset
    • Passes Tax Free To Family Members
  • Where is the Answer?
    IRS Tax Code
    Passes On Tax Free
    Properly Structured Maximum Funded Equity Indexed Insurance Plans
    Accumulation Tax Free
    Withdrawals Tax Free
  • Insurance Mortality and Expense Charges
    TEFRA 1982
    Corridor dictates the minimum death benefit required based upon the insured’s age and gender to accommodate the ultimate desired aggregate premium basis.
    DEFRA 1984
    TAMRA 1986
    New Cash Contributions
    Compound Interest
    Male Age 30
    8.00%
    Total Premiums Allowed:
    $ 178,500 GSP
    Year 5
    After Tax Contributions
    $5,100 To Age 65
    $5,100
    Year 4
    $5,100
    Minimum
    Death Benefit
    Required:$ 548,353_
    Year 3
    $5,100
    1.5%
    $5,100
    Year 2
    $5,100
    Year 1
    At Age 65 $60,734 Yr Tax Free Income For 35 Years
  • Equity Indexed Investing
    Annual Lock-In & Reset
    $177,718
    $175,959
    Linked S&P
    500 Index
    $168,221
    $177,718
    $150,198
    1600
    1500
    1400
    1300
    1200
    1000
    800
    600
    400
    $123,459
    $143,456
    1484
    $119,217
    $129,240
    1418
    1433
    $117,969
    $115,393
    1262
    $100,000
    1274
    $112,000
    $112,000
    1205
    $104,991
    1202
    $105,990
    1144
    $100,249
    1088
    $100,000
    $95,175
    $90,516
    895
    816
    162% Better!
    $109,832 More!
    $74,460
    $ 67,886
    As of December 1, 2008
    98 99 00 01 02 03 04 05 06 07 08
    * This is a hypothetical illustration and assumes a 12% cap and a 1% floor. S&P 500 from December 21, 1996 to December 1, 2008
  • The World ofSuccessful Equity Management
    True Asset Optimization
  • Home Equity
    Management
    Best Selling Author and Financial Strategist Doug Andrew
    http://vimeo.com/1560909
    Single Click on Link Above – 7 minutes
  • 3 Reasons To Separate Home Equity
    • Liquidity
    • Safety
    • Return
  • Home EquityManagement
    Protecting Your Equity
    http://www.wisn.com/video/16706830/index.html
    Double Click on Link Above – 2 minutes
    Lake Delton, WI - June 9, 2008
    Darlene & Donald Kubenik
    Separate Home Equity To
    Protect It!
  • Equity Trapped In Home Has No Rate of Return
    $80,000
    $200,000
    $ 160,000
    $ 400,000
    Opportunity Cost
    10 Years @ 7.2%
    10 Years @ 7.2%
  • Which Cost Are You Incurring?
    Mortgage
    Opportunity Cost
    Employment Cost
    $80,000
    6.0%
    7.2%
    4.0% Net
    MF p. 90
  • Your
    Family Bank
    Net Cost
    Net Growth
    Net Gain
    $3,200
    Year 1
    $83,200
    $3,200
    $48,000
    $205,773
    Year 15
    $157,773
    $96,000
    $709,012
    Year 30
    $613,012
    Separate
    $80,000 Equity
    Borrow at 6% / 4% Net
    Investing at 8%
    Compound Interest @ 8%
    Simple Interest @ Net 4%
  • Become Your Own
    Banker!
    Arbitrage
    http://www.youtube.com/watch?v=31W3YoEEzp85 minutes
    Increase Retirement Income
    50% to 100%
    Without Spending One More Dime!
  • Our Planning Process
    Call Us At 262-646-4443
    For A Free Consultation