We Are Part of a Unique Network of Financial Professionals  With a Different Philosophy<br />We Are Deeply Concerned About...
A New Approach <br />To Building Wealth<br />
Sudden<br />Impact<br />“As a country, we’ve hit an iceberg, we’re taking on water, and the band plays on as if nothing ha...
CouldTraditional Financial Advice Be Out-of-Touch Today?<br />Pay Less Taxes In Retirement<br />Focus on Higher Returns<br...
Demographics<br />Baby-Boomers, Gen X, Gen Y<br />78 Million Baby Boomers Are Turning 60 Every 7 Seconds For The Next 19 Y...
Government<br />Spending<br />$11 Trillion in U.S. Government Debt<br />$41 Million in interest on U.S. Gov Debt/Hour<br /...
One Trillion<br />Dollars<br />Double Stacked Pallets of $100 Bills<br />
 A <br />Wake Up Call<br />“We are heading to a future where we’ll have to double federal taxes or cut federal spending by...
Is Postponing Tax<br /> Really The Best Idea?<br />Today After Tax $513,825<br />BeforeTax$885,906<br />Future  After Tax ...
Who’s Retirement Are You Planning Yours or Uncle Sam’s?<br />$885,906 401k <br />@5%<br />$44,295 Gross Income<br />- 14,1...
U.S. Tax History <br />1916 - 2008<br />If You Think Taxes Can’t Get Worse,<br />Think Again!<br />100<br />61.48% Average...
IRA/401k<br />Tax Time Bomb!<br />Former IRS Agent CPA Ed Slott<br />http://www.youtube.com/watch?v=GSJoFaIy27c&NR=1<br />...
Has Your IRA/401k<br />Lost 30% to 40%?<br />Best Selling Author and Financial Strategist Doug Andrew<br />http://vimeo.co...
What If<br />You Could Create An Asset<br /><ul><li>Tax Deferred Growth & Tax Free Withdrawals
Liquid – Not Tied Up To Age 591/2
No Market Risk To Principal – Growth S&P 500
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Is Saving Money Through A 401k or IRA The Best Way To Save For Retirement?

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Is Saving Money Through A 401k or IRA The Best Way To Save For Retirement?

  1. 1. We Are Part of a Unique Network of Financial Professionals With a Different Philosophy<br />We Are Deeply Concerned About The Direction America is Headed<br />The Information We Have To Share With You Is Critical To Your Financial Future!<br />Since 1985<br />Over 24 Years<br /> of<br /> Experience!<br />We Feel That Educated Client’s Make Better Financial Decisions<br />Milwaukee Magazine<br />http://consumerist.com/consumer/clips/snl-skit-dont-buy-stuff-you-cant-afford-252491.php<br />Single Click On Link Above To View SNL Skit About Credit Card Debt – 2 minutes<br />
  2. 2. A New Approach <br />To Building Wealth<br />
  3. 3. Sudden<br />Impact<br />“As a country, we’ve hit an iceberg, we’re taking on water, and the band plays on as if nothing has happened!<br />
  4. 4. CouldTraditional Financial Advice Be Out-of-Touch Today?<br />Pay Less Taxes In Retirement<br />Focus on Higher Returns<br />Diversify Your Investments<br />Maximize Contributions To 401(k) Plans, SEP Plans & IRA’s<br />Make Extra Payments To Your Mortgage Company<br />
  5. 5. Demographics<br />Baby-Boomers, Gen X, Gen Y<br />78 Million Baby Boomers Are Turning 60 Every 7 Seconds For The Next 19 Years<br />Stress On Social Security System<br /> Medicare & Medicaid<br />Transferring Money Out Of Stock Market<br />Into Conservative Investments<br />Life Expectancy Increase <br />Plan Living 25 Years In Retirement<br />Average Boomer Has Less Than<br /> $50,000 In Retirement Account<br />
  6. 6. Government<br />Spending<br />$11 Trillion in U.S. Government Debt<br />$41 Million in interest on U.S. Gov Debt/Hour<br />$11,500 Interest on U.S. Gov Debt/Second<br />
  7. 7. One Trillion<br />Dollars<br />Double Stacked Pallets of $100 Bills<br />
  8. 8. A <br />Wake Up Call<br />“We are heading to a future where we’ll have to double federal taxes or cut federal spending by 60%.”<br />Former Comptroller General: David Walker<br />http://www.youtube.com/watch?v=QxoP_9W6FC8<br />Single Click on Link Above – 8 minutes<br />
  9. 9. Is Postponing Tax<br /> Really The Best Idea?<br />Today After Tax $513,825<br />BeforeTax$885,906<br />Future After Tax $318,926<br />30 Year Old<br />$6,000 Yr Contribution<br />1,500 Yr Match<br /> 7,500 Yr Total<br />Your IRA, pension and 401(k) benefits will be taxable at retirement, probably at a higher tax rate.<br />MF p.236<br />
  10. 10. Who’s Retirement Are You Planning Yours or Uncle Sam’s?<br />$885,906 401k <br />@5%<br />$44,295 Gross Income<br />- 14,174 Tax<br />Due Every Yr 25 Yrs Retirement!<br />$ 30,121 Net Income<br />Uncle Sam’s Total Income<br />$354,350<br />Your Total Income<br />$753,025<br />At Your Death<br />Heirs Receive<br />$513,825<br />At Your Death<br /> Uncle Sam<br /> Receives<br /> $372,081<br />Total Benefit To Uncle Sam<br /> $726,431<br />You’ve Become The Perfect Tax Payer!<br />
  11. 11. U.S. Tax History <br />1916 - 2008<br />If You Think Taxes Can’t Get Worse,<br />Think Again!<br />100<br />61.48% Average!<br />90<br />80<br />70<br />60<br />Top Tax Rate %<br />50<br />40<br />30<br />20<br />10<br />1916<br />1928<br />1940<br />1944<br />1956<br />1968<br />1984<br />1996<br />2008<br />1920<br />1924<br />1932<br />1936<br />1948<br />1952<br />1960<br />1964<br />1972<br />1976<br />1980<br />1988<br />1992<br />2000<br />2004<br />Years<br />
  12. 12. IRA/401k<br />Tax Time Bomb!<br />Former IRS Agent CPA Ed Slott<br />http://www.youtube.com/watch?v=GSJoFaIy27c&NR=1<br />Single Click on Link Above - 10 minutes<br />
  13. 13. Has Your IRA/401k<br />Lost 30% to 40%?<br />Best Selling Author and Financial Strategist Doug Andrew<br />http://vimeo.com/1705571<br />Single Click on Link Above – 3 minutes<br />
  14. 14. What If<br />You Could Create An Asset<br /><ul><li>Tax Deferred Growth & Tax Free Withdrawals
  15. 15. Liquid – Not Tied Up To Age 591/2
  16. 16. No Market Risk To Principal – Growth S&P 500
  17. 17. Protected From Creditors
  18. 18. Self Completing In Event of Death
  19. 19. Can Avoid Estate Tax – Avoids Probate
  20. 20. Complete Control of Asset
  21. 21. Passes Tax Free To Family Members</li></li></ul><li>Where is the Answer?<br />IRS Tax Code<br />Passes On Tax Free<br />Properly Structured Maximum Funded Equity Indexed Insurance Plans<br />Accumulation Tax Free<br />Withdrawals Tax Free<br />
  22. 22. Insurance Mortality and Expense Charges<br />TEFRA 1982<br />Corridor dictates the minimum death benefit required based upon the insured’s age and gender to accommodate the ultimate desired aggregate premium basis.<br />DEFRA 1984<br />TAMRA 1986<br />New Cash Contributions<br />Compound Interest<br />Male Age 30<br />8.00%<br />Total Premiums Allowed:<br />$ 178,500 GSP <br />Year 5<br />After Tax Contributions<br />$5,100 To Age 65<br /> $5,100<br />Year 4<br /> $5,100<br />Minimum <br />Death Benefit <br />Required:$ 548,353_<br />Year 3<br /> $5,100<br />1.5%<br />$5,100<br />Year 2<br />$5,100<br />Year 1<br />At Age 65 $60,734 Yr Tax Free Income For 35 Years<br />
  23. 23. Equity Indexed Investing<br />Annual Lock-In & Reset<br />$177,718<br />$175,959<br /> Linked S&P <br />500 Index<br />$168,221<br />$177,718<br />$150,198<br />1600<br />1500<br />1400<br />1300<br />1200<br />1000<br /> 800<br /> 600<br /> 400<br />$123,459<br />$143,456<br />1484<br />$119,217<br />$129,240<br />1418<br />1433<br />$117,969<br />$115,393<br />1262<br />$100,000<br />1274<br />$112,000<br />$112,000<br />1205<br />$104,991<br />1202<br />$105,990<br />1144<br />$100,249<br />1088<br />$100,000<br />$95,175<br />$90,516<br />895<br />816<br />162% Better!<br />$109,832 More!<br />$74,460<br />$ 67,886<br />As of December 1, 2008<br /> 98 99 00 01 02 03 04 05 06 07 08<br />* This is a hypothetical illustration and assumes a 12% cap and a 1% floor. S&P 500 from December 21, 1996 to December 1, 2008<br />
  24. 24. The World ofSuccessful Equity Management<br />True Asset Optimization<br />
  25. 25. Home Equity<br />Management<br />Best Selling Author and Financial Strategist Doug Andrew<br />http://vimeo.com/1560909<br />Single Click on Link Above – 7 minutes<br />
  26. 26. 3 Reasons To Separate Home Equity<br /><ul><li>Liquidity
  27. 27. Safety
  28. 28. Return</li></li></ul><li>Home EquityManagement<br />Protecting Your Equity<br />http://www.wisn.com/video/16706830/index.html<br />Double Click on Link Above – 2 minutes<br />Lake Delton, WI - June 9, 2008<br />Darlene & Donald Kubenik<br />Separate Home Equity To <br />Protect It!<br />
  29. 29. Equity Trapped In Home Has No Rate of Return<br />$80,000<br />$200,000<br />$ 160,000<br />$ 400,000<br />Opportunity Cost <br />10 Years @ 7.2%<br />10 Years @ 7.2%<br />
  30. 30. Which Cost Are You Incurring?<br />Mortgage<br />Opportunity Cost<br />Employment Cost<br />$80,000<br />6.0%<br />7.2%<br />4.0% Net<br />MF p. 90<br />
  31. 31. Your <br />Family Bank<br />Net Cost <br />Net Growth<br />Net Gain<br />$3,200<br />Year 1<br />$83,200<br />$3,200<br />$48,000<br />$205,773<br />Year 15<br />$157,773<br />$96,000<br />$709,012<br />Year 30<br />$613,012<br />Separate <br />$80,000 Equity<br />Borrow at 6% / 4% Net<br />Investing at 8%<br />Compound Interest @ 8%<br />Simple Interest @ Net 4%<br />
  32. 32. Become Your Own<br />Banker!<br />Arbitrage<br />http://www.youtube.com/watch?v=31W3YoEEzp85 minutes <br />Increase Retirement Income<br />50% to 100% <br />Without Spending One More Dime!<br />
  33. 33. Our Planning Process<br />Call Us At 262-646-4443<br />For A Free Consultation<br />

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