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Today
Marriage
Home
Children
Promotion
Mid-Life Crisis
Retirement
RetirementInsurance Planning
3 Phases of Planning:
1. Ac...
UPSIDE-DOWN PYRAMID
Financial Plan
Life
Insurance
Will & Power
of Attorney
Disability &
Health Ins.
Education
Savings
Reti...
OFFENCE
Investment Advisor
(Wealth Accumulation)
Chartered Accountant
(Tax Planning)
Bank Manager
(Money Management)
DEFEN...
CONNECT THE DOTS
● Retirement
Planning
● Education
Savings
● Wills
● Debt
Reduction
Life Insurance ●
Annuities ●
Mutual ●
...
Rudder = Goals
Hull = Savings
Sail = Investments
= INSURANCE
FINANCIAL SAILBOAT
Inflows: Premiums and
Investment Income
Outflow: Cost of Insurance
Tax-Sheltered
Reserve
UNIVERSAL LIFE BATHTUB
SPOUSE SPOUSE
HEIRS
Taxes
First Death
Second Death
Retirement
RETIREMENT & ESTATE PLANNING TREE
COMBO APPROACH
LIFE INSURANCE OPTIONS FOR JOHN AND JANE DOE
Permanent Insurance Term Insurance Monthly Premium
$50,000 $20...
COMBO APPROACH
LIFE INSURANCE OPTIONS FOR JOHN AND JANE DOE
New Permanent
Insurance
Remaining Term
Insurance
Additional Mo...
HOME RETIREMENTEDUCATION
HEALTH
CARE
Disability & Critical Illness
Insurance
Long Term Care
Insurance
$$
SPENDING BUBBLES
HEALTH CARE HEADLINE
No Waiting in New Health Care Plan
Enhanced coverage lets patients skip the queue
(Reuters) - The fed...
• Front of the Line
Coverage
• You Choose the
Limit
• Guaranteed Cost
for Life
• Refund of
Payments
HEALTH CARE GOLD CARD
PARTIAL COVERAGE
HOME INSURANCE OPTIONS
Rooms to be Insured:
Kitchen
Living Room
Family Room
Master Bedroom
Second Bedroom...
PICASSO
How
Much?
How
Long?
How
Soon?
FIO COLA
Retirement
Protector
BUILDING BLOCKS
Poor-Boy Parachute
$20 to Rent
50% Reliable
No Warranty
TWO PARACHUTES
Premier Parachute
$50 to Own
100% Reliable
Lifetime...
YOU AND YOUR STUFF
YOUR VALUE YOUR STUFF’S VALUE
$ _________________
(annual salary)
x _________________
(years to retirem...
YO-YO
Benefit #1:
Tax Deduction
Benefit #2:
Tax-Sheltered Growth
COFFEE CUP
TAPE MEASURE
VEGETABLE GARDEN
$
Time
Retirement
Plan B
ESTATE BRIDGE
Taxes
YOU YOUR HEIRS
Plan A
POCKET CHANGE
PLAN A
Your Estate
Your Heirs Taxes
PLAN B
Your Estate
Insurance Co.
Your Heirs Taxes
SHOES OF THE PROBLEM
TWO-WAY STREET
Your Decision:
Pay $ per month.
Cancellable any time.
Insurance Company’s Decision:
Insure you for $ tax-fr...
---------- Two hundred and fifty thousand ----------
250,000Your Children and Heirs
TWO CHEQUES
---------- Two hundred and fifty thousand ----------
250,000Tax Department
TWO CHEQUES
Brian poncelet presenation
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Brian poncelet presenation

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Brian Poncelet Certified Financial Advisor from Oakville, Ontario give a presentation in Toronto, Ontarion Canada.
He talks about important financial decisions in life.

Enjoy the presentation and if you have any questions do not hesitate to contact Brian Poncelet at http://www.brianponcelet.com or http://www.brianponcelet.ca

  • In Toronto, Ontario. We talk about Insurance and financial planning.
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Brian poncelet presenation

  1. 1. Today Marriage Home Children Promotion Mid-Life Crisis Retirement RetirementInsurance Planning 3 Phases of Planning: 1. Accumulation 2. Liquidation 3. Preservation Death Estate Planning PERSONAL TIMELINE
  2. 2. UPSIDE-DOWN PYRAMID Financial Plan Life Insurance Will & Power of Attorney Disability & Health Ins. Education Savings Retirement Savings Personal Savings Home Debt Reduction EquityEquity InvestmentsInvestments Art Gold }Uncontrollable Events }Planning Priorities }Investment Opportunities
  3. 3. OFFENCE Investment Advisor (Wealth Accumulation) Chartered Accountant (Tax Planning) Bank Manager (Money Management) DEFENCE Insurance Advisor (Risk Management) Lawyer (Estate Planning) YOU (Goaltender) YOUR FINANCIAL TEAM
  4. 4. CONNECT THE DOTS ● Retirement Planning ● Education Savings ● Wills ● Debt Reduction Life Insurance ● Annuities ● Mutual ● Funds ● Estate Taxes Charitable ● Giving
  5. 5. Rudder = Goals Hull = Savings Sail = Investments = INSURANCE FINANCIAL SAILBOAT
  6. 6. Inflows: Premiums and Investment Income Outflow: Cost of Insurance Tax-Sheltered Reserve UNIVERSAL LIFE BATHTUB
  7. 7. SPOUSE SPOUSE HEIRS Taxes First Death Second Death Retirement RETIREMENT & ESTATE PLANNING TREE
  8. 8. COMBO APPROACH LIFE INSURANCE OPTIONS FOR JOHN AND JANE DOE Permanent Insurance Term Insurance Monthly Premium $50,000 $200,000 $70 $100,000 $150,000 $89 $150,000 $100,000 $112 $200,000 $50,000 $137 $250,000 $0 $157 Please Note: This summary is for illustrative purposes only and is not an insurance contract. Before purchasing coverage, refer to a full and complete policy illustration for specific plan details and values. The premiums shown above may change significantly depending on the plan selected. All figures have been rounded to the nearest dollar.
  9. 9. COMBO APPROACH LIFE INSURANCE OPTIONS FOR JOHN AND JANE DOE New Permanent Insurance Remaining Term Insurance Additional Monthly Premium to Convert Current Term Coverage to Permanent $50,000 $200,000 $34 $100,000 $150,000 $53 $150,000 $100,000 $76 $200,000 $50,000 $101 $250,000 $0 $121 Please Note: This summary is for illustrative purposes only and is not an insurance contract. Before purchasing coverage, refer to a full and complete policy illustration for specific plan details and values. The premiums shown above may change significantly depending on the plan selected. All figures have been rounded to the nearest dollar.
  10. 10. HOME RETIREMENTEDUCATION HEALTH CARE Disability & Critical Illness Insurance Long Term Care Insurance $$ SPENDING BUBBLES
  11. 11. HEALTH CARE HEADLINE No Waiting in New Health Care Plan Enhanced coverage lets patients skip the queue (Reuters) - The federal government today unveiled plans to provide enhanced medical care to those willing to pay for the privilege. Instead of waiting months for treatment of serious illnesses such as cancer, plan members would be offered immediate care elsewhere. Health officials say the new program will be affordable, with guaranteed rates as low as two to five dollars a day. It will also include a full refund if members do not submit a claim during their lifetime.
  12. 12. • Front of the Line Coverage • You Choose the Limit • Guaranteed Cost for Life • Refund of Payments HEALTH CARE GOLD CARD
  13. 13. PARTIAL COVERAGE HOME INSURANCE OPTIONS Rooms to be Insured: Kitchen Living Room Family Room Master Bedroom Second Bedroom Risks to be Insured: Fire Theft Vandalism Liability Water Damage
  14. 14. PICASSO
  15. 15. How Much? How Long? How Soon? FIO COLA Retirement Protector BUILDING BLOCKS
  16. 16. Poor-Boy Parachute $20 to Rent 50% Reliable No Warranty TWO PARACHUTES Premier Parachute $50 to Own 100% Reliable Lifetime Warranty
  17. 17. YOU AND YOUR STUFF YOUR VALUE YOUR STUFF’S VALUE $ _________________ (annual salary) x _________________ (years to retirement) = $ _________________ Total Earnings Potential Home _______________ Investments _______________ Car _______________ Home Contents _______________ Other Assets _______________ Subtotal:_______________ Less Liabilities: (______________) = $ _______________ Personal Net Worth
  18. 18. YO-YO
  19. 19. Benefit #1: Tax Deduction Benefit #2: Tax-Sheltered Growth COFFEE CUP
  20. 20. TAPE MEASURE
  21. 21. VEGETABLE GARDEN $ Time Retirement
  22. 22. Plan B ESTATE BRIDGE Taxes YOU YOUR HEIRS Plan A
  23. 23. POCKET CHANGE PLAN A Your Estate Your Heirs Taxes PLAN B Your Estate Insurance Co. Your Heirs Taxes
  24. 24. SHOES OF THE PROBLEM
  25. 25. TWO-WAY STREET Your Decision: Pay $ per month. Cancellable any time. Insurance Company’s Decision: Insure you for $ tax-free. Guaranteed for lifetime of policy.
  26. 26. ---------- Two hundred and fifty thousand ---------- 250,000Your Children and Heirs TWO CHEQUES
  27. 27. ---------- Two hundred and fifty thousand ---------- 250,000Tax Department TWO CHEQUES

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