This presentation is about Cool Springs Financial employee retention product. Companies can offer this at little to NO out of pocket cost and employees can retire with 1-2x their annual income tax free for life upon retirement.

1. About Cool Springs Financial
• Proprietary solutions since 2000.
• Won Family Office Review award for best Insurance Provider in
2015.
• 18 billionaire clients
• Over 1,600 client policies
• Over $9 billion in first year premiums
• For the most part, clients haven’t written checks for their
insurance.
• Fully vetted by major banking institutions and insurance carriers.
• Highest persistency levels in the industry over the last 10 years.
• Only company with access to life insurance product built by highly
rated carrier with 100% CSV guaranteed first 7 years.

3. VFOX & CSF Premium Finance Designs
1. Key Employee Retention Design
2. High Net Worth Estate Planning Design
3. Tax Free Income Design
4. Charitable Design
A Unique, Little to No Out-of-Pocket Life Insurance Strategy, Leveraging Minimal Collateral

4. 4. Key Employee Retention Design
PROBLEM:
• 78% of Business Leaders rate engagement & retention as a top concern.
• Failing to hire more great people impedes great performers from staying great.
• According to 2015 Tiny Pulse Survey, 23% of employees would leave for only a 10% raise.
• Only 31% of employees feel strongly valued.
• The Cost of replacing a key employee can be over 2X the employee’s salary.
• According to DOL, the average employees changes companies every 4.8 years.
SOLUTION:
• Employers can recruit, retain and retire select key employees using a unique premium finance structure.
• No cost to employee & little to no out-of-pocket for employer
• Provides employee tax-free income for life
• Selective based
• Vesting period established by the company

5. Key Plan Benefits:
• No cost to employees or employer
• Provides employee tax-free Income for Life
• Off-cycle implementation
• Selective based
• Vesting period established by the company
• Multi-Million dollar death benefit to the heirs
and/or company
The Prestige Strategy™
©2017 Cool Springs Financial Group, LLC. All rights reserved. Duplication or presentation strictly prohibited without prior written approval.

6. Meet Kylie
• 37 year old Senior Project Manager for a tech company
• She makes $120,000 a year
©2017 Cool Springs Financial Group, LLC. All rights reserved. Duplication or presentation strictly prohibited without prior written approval.
1. Key Employee Retention Design

7. ©2017 Cool Springs Financial Group, LLC. All rights reserved. Duplication or presentation strictly prohibited without prior written approval.
Companies
can utilize
this design
to enroll as
many key
employees
as desired
Upon
vesting, the
company
would then
transfer
ownership
to the key
employee.

8. 2. High Net Worth Estate Planning Design
• No out-of-pocket, preserving current cash flow
• Without using up gifts to trust for life insurance, other assets can be gifted
creating significant value.
• Provides a substantial tax-free IRR, death benefit outside of the estate
• Retain assets otherwise sold to pay premiums
• If client already has an inforce policy, the new death benefit could even increase
with no more checks to be written

10. 3. Tax-Free Income Design
• Only approximately 1.5% of the premiums are paid by the client.
• Tax-free income stream for life
• Provides a solid death benefit net of loan, as an ancillary benefit

12. 4. Charitable Design
• Zero out-of-pocket
• Minimal collateral required to be posted
• Income to the charity starting in the first year
• Charity receives up to 50% of the death benefit

13. 1
Up to 50% of
column 15
would go to
the charity
upon
insured’s
death

14. Would you like to know more?
©2017 Cool Springs Financial Group, LLC. All rights reserved. Duplication or presentation strictly prohibited without prior written approval.