1. Our Capabilities
Jay Butler CLU, ChFC, AEP
130 Turner Street, Bldg 3, Ste 230
Waltham, MA 02453
781.893.0909, x225
Securities offered through LPL Financial • Member FINRA/SIPC
Financial Planning offered through Bay Financial Advisors, A Registered Investment Adviso

2. Table of Contents
 Retirement Plans
 Rollover and Exit Strategies
 Wealth Management System
 Financial Planning
 Investment Management
 Retirement Income Planning
 Longevity
 Behavior Modification
 Sequence of Returns
 Wealth Creation Events
 Sale of Business
 Divorce
 Death
 Money in Motion
 Leaving a Job
 Receiving an Inheritance
 Approaching Retirement
 Recently Retired
 Life Insurance
 Analysis and Evaluation
 Beneficiary Audit
Securities offered through LPL Financial • Member FINRA/SIPC 2

3. Retirement Plans / IRAs
 Calculating Required Minimum Distribution
(RMD’s)
 Naming Beneficiaries
 Inherited IRAs
 Beneficiary Mistakes
 Preserving Tax Deferral
 Rules for RMDs
 Reposition Portfolio to Meet Objectives
 10% Penalty – Early Withdrawal Exceptions
 Super IRA
 ROTH IRA – Never Tax
 To Convert to or Not? (Conversion amount subject to taxes)
 Tax, Investment and Legacy Planning
 Net Unrealized Appreciation (NUA)
 In-Service Distributions
 Rollover Company Plan – Yes or No?
Securities offered through LPL Financial • Member FINRA/SIPC 3

4. Wealth Management
System
 Web-based
 Financial Planning platform for Investment and
Information Management
 Efficient, Comprehensive and Easy to Understand
 Easy Client Access
 Information is all encompassing, up to date and
critical in time of crisis
 Statements of Assets/Liabilities, Cash Flow, Balance
Sheet, Asset Allocation
 Digital Document Storage
 Access wherever you are
 Estate Planning Documents
 Tax Returns
 Emotional Legacy
 Analyses
 Accumulation Goals Financial Statements
 Retirement Goals Life Insurance Needs
 Education Planning Long Term Care
 Retirement What if’s
Securities offered through LPL Financial • Member FINRA/SIPC 4

5. Retirement Income
Planning
 Longevity
 Making sure your income lasts for as long as you live
 Behavioral Modification
 Making sure that you don’t make emotional decisions leading
to bad financial outcomes
 Sequence of Returns
 Making sure that changes in rates of return do not impact your
retirement income
Securities offered through LPL Financial • Member FINRA/SIPC 5

6. Wealth Creation Events
 Sale of Business
 How much do you need to retire comfortably and remain
comfortably retired?
 Divorce
 Will the divorced spouse have enough money to last a lifetime?
 Death
 What mistakes can beneficiaries make?
 What protection strategies can be used to preclude
beneficiaries from “blowing” their inheritance?
Securities offered through LPL Financial • Member FINRA/SIPC 6

7. Money in Motion
 Leaving a Job
 What to do with your 401(k)
 Planning considerations
 Receiving an Inheritance
 Goals, Objectives and Planning
 Protection
 Approaching Retirement
 When can you afford to retire?
 How much money do you need to retire?
 How much income can you expect to receive in retirement?
 Recently Retired
 How long will your money last?
 Planning for a long life
 Planning for your beneficiaries
Securities offered through LPL Financial • Member FINRA/SIPC 7

8. Life Insurance Review
 What do you have?
 How much do you need?
 Are you over-paying?
 Tax Issues
 Ownership Issues
 Beneficiary Designations
 Policy Types
 Carrier Ratings
Securities offered through LPL Financial • Member FINRA/SIPC 8

9. Beneficiary Audit
 IRAs
 Roth IRAs
 Simple IRAs
 401(k)
 403(b)
 Annuities
 529 Plans
 Life Insurance
Securities offered through LPL Financial • Member FINRA/SIPC 9