Here is a quick overview of a retirement strategy that allows for a tax deduction for a business owner on any deposits and allows the withdrawals in retirement to be tax free.

2.  If you have realized that the profitable business that
you own is not allowing you to keep enough of what you
earn and are giving too much money to Uncle Sam.
 If you want to retire some day and keep your current or
live a better lifestyle.
 If you don’t have a defined exit strategy from your
business.
 If you want to maximize tax efficiency both before,
during and after retirement.

3.  A little known strategy to supercharge your
retirement plan without raiding the reserves of
your business.
 A viable and attractive exit strategy for you
and an easy transition in, for a new buyer.
 Create a retirement fund which provides
maximum tax deductions on contributions
going in and no taxes coming out.
 Plus more benefits which may apply to you.

4.  Learn the benefits of innovative strategies to
fund your retirement and leverage it 4 fold or
more.
 Learn how to over fund your retirement and
not have to provide the same options for your
employees.
 Learn how to take care of heirs, sell your
business and attract buyers because of it.

5.  You’ve worked hard in your
business for many years and
don’t know how your are going to
retire?
 Your business is making profits
but taxes on those profits are
killing your incentive to sell the
business.
 You want to pass your business
on to an heir or key employee but
you know that they probably
can’t get the financing or it won’t
be enough to fund what you
need.

6.  Like many business owners, all of your extra cash has
gone in to the business because you did whatever it took
to keep it going and consequently you don’t have a
viable retirement fund.
 You are hoping that when you sell the business that it
will be worth enough to have a decent retirement.
 Will you be able to pull enough income out of the
business to maintain your lifestyle and do the things
you want to do in your senior years?
 You figure you will keep working until you die.

7.  You can’t figure out what needs to be done to successfully walk
away or even semi-retire and enjoy the fruits of your efforts for
the many years you have worked to build the business.
 You’re worried that the money in your savings and retirement
account (if you have one) won’t cover your estate plan. And that
when you do pass it to your heirs they are going to be hit with a
huge taxes.
 You haven’t set aside enough retirement savings and you need
to somehow catch up but the current laws regarding retirement
plans are keeping you from funding it the way you need.
 You are making good money now but taxes are killing you!

8.  If this is how you feel, I have good news for you. None of those
things mentioned are a problem. The real problem is that you
haven’t made the 3 shifts in your business.
 I am about to tell you what you need to do in a few minutes.

9.  And if you had excess profits you had a way to write them off
and use them to fund your retirement plan.
 And that you have a way to transfer the business to the new
owners without being stuck to the business and still get your
money.

10.  Over 40 years of business experience.
 Business Owner just like you who paid huge taxes.
 Started and operated several successful businesses.
 Insurance and Investment Advisory License. (series 65)
 For the last 12 years in financial world helped businesses
succeed in retirement strategies that are tax advantaged by
showing and helping them to fund their retirement plans and
get the maximum tax advantaged money out of those plans.

11.  Sold my first business in 1994.
 Started consulting to successful businesses for several
years after that.
 I Helped them save money on expenses that affected their
bottom line by doing expense reduction analysis for them. I
helped them reduce their fixed costs without affecting the
operation of the business in a negative way.
 I helped them find the right financing in some cases.
 What I learned was that most business owners felt ”stuck”
in their own businesses and didn’t know how to implement
an exit strategy.

12.  They were frustrated that they were overpaying their taxes
and couldn’t overfund their retirement plans. They were
behind their peers because their peers had corporate jobs
and a pension. They liked the idea of a Roth IRA but made
too much money to qualify.
 After several years as a financial planner and an affiliation
with a tax strategy company I learned several tax strategies
that business owners were missing out on.
 Over the last 19 years this strategy has helped thousands of
business owners accomplish their dream and recoup the
rewards of their businesses.

13. "If something's hard to do, then what's the point?!"
~Homer Simpson

15.  Create a strategy so that money going into
your plan is tax deductible and is highly
leveraged to your benefit.
 Allows your funds to grow safely without the
risk of loss.
 The funds can be distributed to you in the most
tax advantaged way.

17. 401K Our Plan
Annual Contribution $17000 $18000
Contribution to our plan $0 400,000
Annual Net Contribution Cost $18000 $18,000
20 Year Total Contribution $380,000 $400,000
20 Year Cost at Current Rates $380,000 $360,000
20 Year Value(at 7.1%
compounding rate of return on the
Annual net Contribution
$771,605 $1,038,771
Taxation at 35% $270,062 N/A
Total 20 – Year NET Value $501,543 $1,038,771
Annual After Tax Distributions
from Age 65-95 (401K at 7%)
$35,108 $90,942
*Past performance is not indicative of future results45 Year Old Male, Retirement at 65*

18. How Can We Do This?

19. Hypothetical, past performance is not indicative of future results

20.  You develop a super charged retirement fund that SAFELY
grows at an accelerated rate compared to conventional
retirement plans.
 Just like a conventional retirement plan the funds that go
into the plan are deductible to YOU.
 You don’t have to share this plan with your employees like
other conventional plans.
 When you retire you take the money out tax free.
 You are set up to transfer ownership of the business and get
a guaranteed payment for your share.
 Can be used in a buy/sell scenario
 Much more versatile than a traditional retirement plan.

21.  Here is a way to get a tax free retirement spending and
superfund your retirement that starts earning high
growth from day one .
 Beats any 401K or other conventional retirement plans
by at least four fold without the high fees and tax
consequence in retirement.
 Provides tax deductions immediately like a conventional
retirement plan.
 Provides estate planning for the family if necessary.
 Option: Makes it easier to attract a buyer for the
business, because it provides a built in funding source to
the new buyer.

22.  The short answer is maybe.
 You would need to know the ERISA laws.
 You would need a funding source that
guarantees the funding.
 You would need to know the financial products
that would satisfy the tax ramifications.
 Your CPA would need to know how everything
works in the plan including all of the above.
 Why would you? It really doesn’t cost you
anything to have someone knowledgeable help
you with it.
Would you do your
own surgery?

23.  If you don’t have taxable profit or cash.
 You don’t want to sell or transfer your business.
 If your business has severe problems with cash flow.
 If you don’t need the tax deductions.
 If your business is not profitable to you.

24.  You want to build and over fund a retirement fund.
 You have profits that you are overpaying taxes on.
 You need tax write offs for now and future profits.
 You may want to transfer or sell your business but you
can’t risk to take a payout over time.
 You don’t want to share this plan with your employees.
 You may have someone in the business that is key man
and you want to take care of them.

25.  I have met with and spoken with too many business owners
who were struggling to build successful retirement plans for
themselves. They had a great one for their employees but
didn’t see that same plan for themselves, because it couldn’t
sustain the lifestyle they wanted in retirement.
 Those same business owners couldn’t sell their businesses
for the price they thought or the new owner couldn’t get the
financing they needed to buy the business.
 We developed the solution solving those problems that have
been working for over 18 years.

26. If you have questions contact:
ROY INNELLA
FINANCIAL COACH
700 AMERICAN AVE
KING OF PRUSSIA, PA 19406
610-695-8748
ROY@YOURWEALTHADVOCATE.COM
Book a meeting
online: http://meetme.so/RoyInnella