Investment in The Coconut Industry by Nancy Cheruiyot
Introducing the future income ira
1. Introducing the Future Income IRA
Oxford Financial Designs. Inc.
10955 Westmoor Dr. Ste 400
Westminster, CO 80021
2. Oxford Financial Designs. Inc.
10955 Westmoor Dr. Ste 400
Westminster, CO 80021
Why Does Your Company Provide Employee Benefits?
•Is it to attract and retain good employees?
•Does your 401k Plan achieve your objectives?
•Or, has the stock market hurt your plan?
STOCK MARKET CRASH!
“Three years of steady gains were wiped out in retirement plans because of the stock market crash” …… Americans with 401(k)
retirement plans lost about $1 trillion in the stock-market crash…… As a result, 401(k) plans„ inherent deficiencies were exposed,
prompting lawsuits……
Employee Benefit Research Institute (EBRI).
3. Our strategy will eliminate the following concerns!
CASH FLOW IN RETIREMENT?
"Most retirement accounts emphasize wealth accumulation, with little thought to how that wealth
will translate into retirement income.“
Nationwide Insurance chief executive Roger W. Ferguson Jr.
IS IT GUARANTEED?
“60% of 401(k) participants are interested in investment options that provide guaranteed
income in retirement……. Among its customers, TIAA-CREF has found that nearly one-third of
participants choose to annuitize some portion of their assets. “
2009 McKinsey Consumer Retirement Survey
WHAT IF I LIVE A LONG TIME?
According to government projections, married couples have a 47% chance that at least
one of them will reach their 90th birthday……the risk of outliving assets, sharp declines in financial
markets and home equity during the last few years, and the continued increase in health care costs
have intensified workers' concerns……
SOME OF YOUR EMPLOYEES ARE SAYING …
"Why do I have to be locked into this lousy 401(k) plan? I save my money, then lose it in the stock market.”
There is now a way to provide an extra level of retirement income security for
your employees. It will address all of these concerns and dramatically raise
your employee’s satisfaction with their plan.
A SUBTLE CHANGE IN PLAN DOCUMENTS IS ALL THAT IS NEEDED
4.
5. •Income You Cannot Outlive
•Income That Grows Whenever Interest is Paid
Example of Growing Income from a $100,000 Account
Year Interest Annual
Rate Income
1 21.74% $7,000
2 9.7% $8,521
3 4.81% $9,348
4 .4% $9,798
5 3.3% $9,837
6 $10,161
The above table represents an approximation of the performance of the annuity’s enhanced withdrawal benefit.
Interest rates are not guaranteed and will be 0% in some years. Full disclosure of all annuity provisions will be
provided at time of purchase
