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Smith playbook 7.2012

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Smith playbook 7.2012

  1. 1. Insurance and Financial Review PROTECT • PLAN • PROSPERPrepared For: Client NameDate: JASON SMITH AGENCY 312 S Cedros Avenue, Suite 140, Solana Beach, CA 92075 858-755-2106 • www.SFSanDiego.com
  2. 2. Strategic Planning Process: Realize Your Dreams JASON SMITH AGENCYWe Assist Our Clients In Establishing And Executing A Sound Insurance And Financial Plan. Step 1: Gather and Analyze We analyze your current insurance and financial plan Step 2: Discussion Step 6: Progress Where you are now? We provide proactive annual Where you wish to be? reviews to move goals forward What’s most important? Step 5: Formulate and Act Step 3: Interact We form a Strategic Plan and We suggest solutions to fill or together, implement it to better current gaps in your plan provide for your future. Step 4: Prioritize Together we determine your top priorities and future intentions 2
  3. 3. SECTION Organization JASON SMITH AGENCY
  4. 4. The Jason Smith Agency Difference JASON SMITH AGENCYWhy Our Clients Choose Us To Help Them Protect and Plan For Their Future.  Experienced team of fully licensed professionals Client Development and Management  Each client is unique – we build solutions tailored to your specific needs Jason Smith Agent/Owner  Extensive and continual training is provided to develop Client Development / Annual Reviews sophisticated solutions  Dedicated Professionals providing “Raving Fan Melissa Hanley Callie Marquard Client Development Client Development Service and Solutions”. Raving Fan Service Raving Fan Service Local and Business Community Involvement Raving Fan Client Service  We are very connected to our local community and Carol Schwenke Linda Smith drive interaction amongst the businesses we work with Claims/Billing Community Relations • Co-Owner, Coastal Networking Group Raving Fan Solutions Raving Fan Solutions (www.CoastalNetworkingGroup.com) • VP & Board Member, Solana Beach Chamber of Commerce • VP & Board Member, Del Sol Lions Club • Co-Hosts four Business Networking Events per month • Hosts one Business Networking Event per month • Community and Philanthropic Events 4
  5. 5. SECTION Protection and Plan Development JASON SMITH AGENCY
  6. 6. Our Mission: Help Clients Protect, Plan And Prosper JASON SMITH AGENCYWhile There Are Over One Hundred Products Offered By State Farm Jason Smith Agency, We Focus OnThree Key Goals.  We Protect our Clients from Everyday Risk, such as liability in an auto accident.  We help our clients Recover from the Unexpected such as a house fire, or water loss.  We help our clients Realize Their Dreams.We’ll need to gather some personal information to properly protect your family and/or business. 6
  7. 7. Client Value Congruency JASON SMITH AGENCYIf we don’t agree on some basic concepts, we probably shouldn’t be working together… Values we should have in common:  If I were to pass away unexpectedly, I would want my family to be taken care of, continue the life we developed, and realize our dreams • Would you agree this is important?  If I were to be injured or sick to the point that I couldn’t work, I’d want my family to continue to receive my income • Do you agree this is important?  If something were to happen to my spouse, I’d want my family to be able to continue our current lifestyle and realize our dreams • Is this also important to you?  Finally, we have created a plan, and make conscious decisions to allow us to put away enough money each month to have money in retirement for our vision, and to be certain we are not a burden to our children. • Do you believe this is important? 7
  8. 8. Protection and Plan Development JASON SMITH AGENCYWe Provide Our Clients With A Strategic Planning Process. Many Protect What They Have, But Less PlanFor The Future They Want. What Most Clients Protect: Obvious Needs  Auto Coverage  Home Coverage What Few Clients Plan For:  Retirement  Estate Planning  Premature Death  Health Issue  Long Term Care  Disability Goals/Dreams 8
  9. 9. SECTION Gathering Information For Your Strategic Plan JASON SMITH AGENCY
  10. 10. Determining Where You Are Now: PersonalInformation JASON SMITH AGENCYFamily (name, phone, location) Employment Client 1: ______________________________________ Client 1 Client 2 / Spouse:  Where: _______________________________ _______________________________________ Child 1 / Spouse / Grandchildren and Locations • How Long: _______________________________ • ________________________________________ • Position: _________________________________ _ • Plans: ___________________________________ • ________________________________________ _ • Previous: _________________________________ • ________________________________________ Client 2 _  Where: • ________________________________________ _______________________________________ _ If none, intentions: • How Long: _______________________________ ______________________________ • Position: _________________________________ Emergency Contacts: • Plans: ___________________________________ _____________________________________________ • Previous: _________________________________ _____________________________________________ 10
  11. 11. Determining Where You Are Now: Current Coverage JASON SMITH AGENCY Auto: Liability (vs. assets) – Deductibles – New Disc/DSS – Challenges On The Way To Retirement Uninsured Motorist – Rental – Umbrella –Other  Life: Current? Type? Beneficiaries? Need - Loans – Income_________________________________________________________ Replacement – Final Needs – Education – Other? __________________________________________________________________________________________________________________ _________________________________________________________ Home: Replacement – Property – Liability – Back up – Personal Articles – Umbrella – Earthquake – Other  Disability: Income Needed? Current Plan (Work? (taxes?) Personal?) Short term vs. Long term?_________________________________________________________ __________________________________________________________________________________________________________________ _________________________________________________________ Retirement Plan (Current): On track? How much needed?  Health: Current Coverage? Deductible? HSA? Hospital Asset Allocation? Fees? Attention? Income? __________________________________________________________________________________________________________________ __________________________________________________________________________________________________________________  Long Term Care: In place? Daily Benefit? Plan, if no Retirement Vision: What would you like to do? Where? coverage? When? With whom? __________________________________________________________________________________________________________________ __________________________________________________________________________________________________________________  Estate Plan: Trust? Last Review? House in trust? Held as – Community Property / Join Tenant? Succession Plan? Charitable? Special Needs? _________________________________________________________ _________________________________________________________ 11
  12. 12. Determining Where You Are Now: Current Advisors JASON SMITH AGENCYWho is your advisor / How long / Level of Satisfaction (Indicate on Scale) CPA/Accountant ■ 1 2 3 4 5 6 7 8 9 10 ■__________________________________________ Estate Planning Attorney ■ 1 2 3 4 5 6 7 8 9 10 ■__________________________________________ Business Attorney ■ 1 2 3 4 5 6 7 8 9 10 ■__________________________________________ Financial Planner ■ 1 2 3 4 5 6 7 8 9 10 ■__________________________________________ Mortgage Advisor ■ 1 2 3 4 5 6 7 8 9 10 ■__________________________________________ Realtor ■ 1 2 3 4 5 6 7 8 9 10 ■__________________________________________ Health Insurance Advisor ■ 1 2 3 4 5 6 7 8 9 10 ■__________________________________________ 12
  13. 13. Five Pillars of Wealth Management JASON SMITH AGENCYWealth Management: An Investment Advisory Discipline That Incorporates Financial Planning, InvestmentPortfolio Management And A Number Of Aggregated Financial Services. Wealth Advisor  A good wealth advisor does a lot more than pick stocks and bonds. They can help you plan your total financial life. And you dont need to be rich to use Your Financial Goals and one. Objectives Insurance Advisor  The right insurance advisor will save you time and money. They tailor coverage to fit unique needs and check in on you each year to make sure your insurance needs have not changed. You should feel protected from financial risk and comfortable your assets will transfer according to plan. Real Estate Advisors Insurance Advisor Tax Advisor Wealth Advisor Trust Advisor Tax Advisor  The goal of a good tax advisor is to minimize your taxes. Reducing your income, increasing your deductions and taking advantage of tax credits are the three ways a tax advisor can help you reduce your taxes. Trust Advisors  The biggest advantage of having an experienced trust advisor set up a living trust for you is that it may be used to keep your estate out of probate. And keeping your assets out of probate will save your heirs time and money. Real Estate Advisors Mortgage Advisor  The reason that you want to choose a trusted mortgage advisor is to make sure you get the right mortgage at the best possible rate. Therefore you are going to have to find the right balance between service and rates. Property Advisor Wealth Management  A successful realtor will fully look out for the needs of their clients. They’ll save their clients an enormous amount of time and money by protecting them from the home buying world that can be filled with tricks and traps. 13
  14. 14. Determining Where You Are Now: Asset Inventory JASON SMITH AGENCYAn Inventory Of Assets And Values Helps To Establish Needs For Auto And Home Liability InsuranceProtection Needs.  Primary Residence Value? $ _________________________  Stock Options Value : $ ______________________________ Mortgage Owed: $ _________________________ Which Companies? ________________________ Interest Rate? ________ Years Left? __________  Permanent Life Insurance Cash Value $ _________________ Plans next 5 years? ________________________  Business (Value): $ _________________________________  Other Real Estate Value? $ _________________________  Partnership / Structure / Key People: ___________________________________________________ Mortgage Owed: $ _________________________  Plans: Interest Rate? ________ Years Left? __________ ___________________________________________________ Plans next 5 years? ________________________ ___________________________________________________  401k, 403b or Pension Plan:  Other Assets? Current $________________ Previous: $________________ ___________________________________________________  IRAs: $ __________________________ ___________________________________________________ What Type? _____________ Where? ____________________  Income 1 ______________ Income 2 ______________  College Funds $ ___________________________________ % Saved: ______________ % Saved: ______________  Other Savings / Investments: $ _____________________ 1 to 10 Current Plan: _________________________________ Where? _____________________________________________ Goal: ______________________________________________ How Long? __________________________________________ Emergency Fund? __________________________ 14
  15. 15. Determining Where You Are Now:Monthly Expenses and Budget JASON SMITH AGENCYInventory Of Monthly Expenses And Approximate Amounts. Do You Know Your Monthly Needs?  Rent or Mortgage (payment): $ ______________________ Insurance Years Left ____________ Interest Rate __________  Home/Auto: $ _________________ Other Homes / 2nd __________________________________ Carrier _______________________________________________  Auto Payment(s): [1] $____________ [2] ______________  Health: $ _________________ Time left on loan / lease? [1] __________ [2] ___________ Carrier _______________________________________________ Interest Rate: [1] __________ [2] ___________  Life: $ _________________  Other Debt: (credit Cards, student loans) Carrier _______________________________________________ $ ___________________________________________________  Disability $ _________________  Household Expenses: Carrier _______________________________________________ Groceries $ ___________ Maintenance: $ _______________  Long-Term Care $ _________________ Utilities Total: $ ______________________ Carrier _______________________________________________ Gas / Electric: _______ Cable: _______ Phone: _______ Retirement / Saving / Investments Water: _____ Trash: ______  Work: $ __________________ % of Income Invested ________  Miscellaneous Monthly Expenses (Average)  Non-Work: $ _______________ % of Income Invested ________ Dining Out: ___________ Entertainment: ___________  Income (Combined) Gym: _________ Gifts: _____________ Travel: _________ Total Expenses (Not including savings/investing/Real estate) Family /Children Events: ______________________________ _______________________________________________ Charity: ______________ Church/Temple: _______________ Total Saved (Including Retirement Planning / Permanent life insurance) Other: _____________________________________________ _______________________________________________ Do you have an emergency Fund? How many months saved? _______________________________________________ 15
  16. 16. Setting Your Priorities To Plan Your Future JASON SMITH AGENCYWe Look To Your Priorities To Establish A Custom Financial Plan To Help You Achieve Your Future GoalsWhile Maintaining Your Present Lifestyle.  What do you consider your highest priorities at this stage in your life and for your future? • Auto Insurance Changes • Home Insurance Changes • Earthquake Insurance • Personal Articles Insurance • Life Insurance • Disability Insurance • Long Term Care Insurance • Health Insurance • Liability Coverage/Umbrella • Retirement Planning • College Planning • Emergency Fund Client Priorities Agency Suggestions • Estate Plan / Trust 1.___________________ 1. _______________ 2.___________________ 2. _______________ • Tax Planning 3.___________________ 3. _______________ • Mortgage Planning • Real Estate Planning 16
  17. 17. Realize Your Future Dreams JASON SMITH AGENCYThe Next Step In Your Financial Planning And Providing For Your Future. Step 1: Gather and Analyze We analyze your current insurance and financial plan Step 2: Discussion Step 6: Progress Where you are now? We provide proactive annual Where you wish to be? reviews to move goals forward What’s most important? Step 5: Formulate and Act Step 3: Interact We form a Strategic Plan and We suggest solutions to fill or together, implement it to better current gaps in your plan provide for your future.Next Meeting Date: ______Next Meeting Time: ______Please Bring:•_____________________ Step 4: Prioritize•_____________________ Together we determine your top priorities and future intentions•_____________________•_____________________•_____________________ 17
  18. 18. Your Strategic Partner for Insurance Planning JASON SMITH AGENCY Jason Smith, State Farm Insurance Agent License: 0F97481 Agency’s Professional Team: 50+ years total insurance experience Co-Leader, Coastal Networking Group VP/Board Member, Solana Beach Chamber of Commerce VP/Board Member Del Sol Lions Club San Diego Coastal Chamber of Commerce Encinitas Chamber of Commerce San Diego State University, B.S. Psychology Long term resident of San Diego Address: 312 S Cedros Avenue, Suite 140, Solana Beach, CA 92075 Phone: (858) 755-2106 Fax: (858) 755-0313 Website: www.SFSanDiego.com / www.SanDiegoInsuranceHelp.com Office Hours: Monday through Friday: 9:00am- 5:00pm Early / After Hours by Appointment 18

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