Zuk Financial Group is an independent retirement planning firm established in 1974 that serves over 30,000 clients. The presentation provided information on retirement income planning, including the need to fund retirement accounts early and regularly to benefit from compound growth, diversifying investments over time from growth to income assets as retirement approaches, and working with a financial advisor to develop a customized retirement income plan. Attendees were encouraged to contact Zuk Financial Group for a comprehensive planning consultation.
This is a presentation I gave to my writing for the organization class. We were assigned to give an informative speech. I chose retirement because too many times its overly complicated and many young people cannot understand it.
Practical wealth management strategies for Health Care professionals looking to reduce taxes and maximize family estate using tax deferrals, income splitting, incorporation, insurance and Individual Pension Plans, among other strategies.
USE FAMILY TRUSTS to income split, grow wealth & save taxes, shift income to children & use this tax-free income to pay for expenses of your dependent children or grandchildren; take advantage of CRA low prescribed loan rate of 1% before it goes up...
"2012/2013 Income, Estate and Gift Tax Changes a Result of the 'Fiscal Cliff'...Dinsmore & Shohl LLP
"2012/2013 Income, Estate and Gift Tax Changes a Result of the 'Fiscal Cliff'," Financial Planning Association of Southwestern Ohio, Election Preview Virtual Conference
This is a presentation I gave to my writing for the organization class. We were assigned to give an informative speech. I chose retirement because too many times its overly complicated and many young people cannot understand it.
Practical wealth management strategies for Health Care professionals looking to reduce taxes and maximize family estate using tax deferrals, income splitting, incorporation, insurance and Individual Pension Plans, among other strategies.
USE FAMILY TRUSTS to income split, grow wealth & save taxes, shift income to children & use this tax-free income to pay for expenses of your dependent children or grandchildren; take advantage of CRA low prescribed loan rate of 1% before it goes up...
"2012/2013 Income, Estate and Gift Tax Changes a Result of the 'Fiscal Cliff'...Dinsmore & Shohl LLP
"2012/2013 Income, Estate and Gift Tax Changes a Result of the 'Fiscal Cliff'," Financial Planning Association of Southwestern Ohio, Election Preview Virtual Conference
The Retirement 101 Enrollment Presentation is the companion piece to the Retirement 101 Enrollment Guide, the marquee collateral in the Nationwide Retirement enrollment drive. Together they exceeded the 2011 standard entity first-year deposits goal of $84.8M by 25%, netting new participant deposits of $112.4M in its first year.
The Tax Diversify Your Retirement Income with Life Insurance sales presentation will help you understand the importance of tax diversification and the benefits that a Custom Whole Life (CWL) policy can provide. In addition to the traditional benefit of death benefit protection, the cash value of the CWL policy accumulates tax-deferred and can generally be accessed on a tax-free basis*.
Use the concept presentation and other materials to discuss how life insurance not only provides death benefit protection, but can also be a tax diversification tool.
Contact me if you would like to discuss
*The cash value is accessed through policy loans, which accrue interest at the current rate, and cash withdrawals. Loans and withdrawals will decrease the total death benefit and total cash value. The supplemental retirement income is not guaranteed.
A Charitable Remainder Trust is a split interest trust consisting of an income interest, which is paid to the donor or other beneficiary during the term of the trust, and a remainder interest, which is paid to the designated charity. The purpose of this strategy is to harbor net investment income in a tax-exempt environment while leveling income over a longer period of time to keep MAGI below the threshold amount. CRTs are especially useful when there is a large capital gain that pushes income above the threshold amount.
The Retirement 101 Enrollment Presentation is the companion piece to the Retirement 101 Enrollment Guide, the marquee collateral in the Nationwide Retirement enrollment drive. Together they exceeded the 2011 standard entity first-year deposits goal of $84.8M by 25%, netting new participant deposits of $112.4M in its first year.
The Tax Diversify Your Retirement Income with Life Insurance sales presentation will help you understand the importance of tax diversification and the benefits that a Custom Whole Life (CWL) policy can provide. In addition to the traditional benefit of death benefit protection, the cash value of the CWL policy accumulates tax-deferred and can generally be accessed on a tax-free basis*.
Use the concept presentation and other materials to discuss how life insurance not only provides death benefit protection, but can also be a tax diversification tool.
Contact me if you would like to discuss
*The cash value is accessed through policy loans, which accrue interest at the current rate, and cash withdrawals. Loans and withdrawals will decrease the total death benefit and total cash value. The supplemental retirement income is not guaranteed.
A Charitable Remainder Trust is a split interest trust consisting of an income interest, which is paid to the donor or other beneficiary during the term of the trust, and a remainder interest, which is paid to the designated charity. The purpose of this strategy is to harbor net investment income in a tax-exempt environment while leveling income over a longer period of time to keep MAGI below the threshold amount. CRTs are especially useful when there is a large capital gain that pushes income above the threshold amount.
To paraphrase Dickens, there’s a lot of controversy today about whether we live in the best of times or worst of times concerning retirement. On the one hand, many Americans generally have some kind of retirement support, if you include Social Security, Medicare, private and public pension plans, and the many types of pre-tax retirement plans, such as IRAs and 401(k)s.
On the other hand, demographic and economic forces are making retirement itself a much bigger challenge, primarily because people live longer now. That means you need to work and save enough today to somehow pay for later without employment — a tall order. And recent market upheavals have demonstrated that you may not be able to rely on the stock market in the short term to pay the bill.
This presentation will introduce you to strategies that could help you to potentially build a bigger nest-egg during your working years, make it last longer in retirement, and even pass on more to your heirs.
Because, after all, retirement should be a time to finally relax, stop worrying and enjoy life. But you can’t escape the daily grind until you are financially independent, which in the end is what retirement is all about. So bottom line, let’s talk about working toward financial independence.
Albion Financial Group Senior Wealth Advisors Sarah Bird, CFP and Liz Bernhard, CFP, MBA work with clients to ensure their financial concerns are addressed in an integrated fashion, that pieces of their overall plan are working in concert, and that tactical changes to investment portfolios are made to stay on track toward each client’s goals.
In this presentation we will deal with the “Concept of Investment” and further discuss the purpose, speculation and strategies to be followed while investing.
To know more about Welingkar School’s Distance Learning Program and courses offered, visit:
http://www.welingkaronline.org/distance-learning/online-mba.html
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
2. Who We Are:
Zuk Financial Group
• Established in 1974
• 30,000+ Clients
• One of the Largest Independent
Retirement Planning Firms to the
Educational Community in California
• ACCCA Corporate Member
Registered representatives offer securities and advisory services through National
Planning Corporation (NPC). Member NASD/SIPC, a Registered Investment
Adviser. Zuk Financial Group and NPC are separate and unrelated companies. 2
3. Presenters:
DOLIN PEREIRA, IAR
Financial Advisor
• NASD Registered Representative
• Licenses Held – Series “6” and “63”
• California Certified Life Agent
• Investment Advisor Representative CA Insurance Lic. #0D72106
JACK BOTERENBROOD, IAR
Financial Advisor
• NASD Registered Representative
• Licenses Held – Series “6”, “63” and “65”
• California Certified Life Agent
• Investment Advisor Representative CA Insurance Lic. #0D57337
3
6. The Truth About Retirement
Experts Estimate
80-85%
of Pre-Retirement Gross Income Will
Be Needed to Support a Comparable
Retirement Lifestyle
6
7. Consider Your Potential Expenses
in Retirement
---Expenses
Expenses
That May
That May
Increase
Decrease
• Medical costs
• Housing
• Recreation
• Taxes
• Travel
• Education
• Long Term Care
• Commuting • Care for Aging
Costs Parents
• Job Related • Medi-Care
Expenses Supplement
Insurance
7
8. Understand The Impact of
Inflation
1980 2006 2020
1st Class Stamp $ .15 $ .39 ?
One Dozen Eggs $ .84 $1.38 ?
Movie Ticket $2.69 $9.75 ?
A Gallon of Gasoline $1.25 $3.00+ ?
Source: Statistical Abstract of the United States, 2000.
8
9. Monthly Retirement Income
Needs Analysis
These rates are used for hypothetical illustration only and may not be used to predict investment results. Income from investments may fluctuate and the value of the
investment may fall or rise against the interest of the investor. Investment decisions should be based on an individual’s goals, time horizon, and tolerance for risk. This
analysis is provided for information purposes and should not be construed as a recommendation.
9
10. Life Expectancy is Increasing!
Source: Hartford Life; based on the 2000 Annuity Mortality Table
10
11. Types Of Retirement Accounts
Pre-Tax After-Tax
Contributions Contributions
403(b) - TSA Roth IRA
457 – Deferred Compensation Roth TSA
401k Plan Non Qualified IRA
IRA
11
12. TSA - 403(b)
A Tax Sheltered
Retirement Savings Plan For:
• Employees of a public school or university
• Employees of a qualified
tax-exempt organization - 501(c)(3)
Plan distributions may be subject to tax and 10% penalty if withdrawn before age 591/2
12
13. TSA - 403(b)
Contributions Are Tax Deductible
Earnings Grow Tax Deferred
Plan Features:
• Contributions must be payroll deducted
• Loans may be permitted by plan
• Available for withdrawl at age 59 1/2 or age 55 and
separated from service
Investment options from District Approved Vendor List
Comparisons of investments at www.403bcompare.com
Plan distributions may be subject to tax and 10% penalty if withdrawn before age 591/2
13
14. How to Fund TSA’s and 403(b)s
403(b) - Tax Sheltered Annuity
• Issued by a life insurance company
403(b)(7) - Tax Sheltered Account
• Issued by a investment management company
(mutual fund)
14
16. Bank vs. TSA Paycheck
Comparison
Compares $500 After-Tax Savings To $700 Pre-Tax Savings.
Gross $4,000 $4,000
CalSTRS (8%) -$320 -$320
TSA $0 -$700
Taxable Gross $3,680 $2,980
Federal Tax -$458 -$309 $149
State Tax -$137 $86 $51
Medicare -$58 -$58 $200
Credit Union -$500 -$0
Net Take Home $2,527 $2,527
For illustrative purposes only, individual results will vary.
16
17. Mistake
I’m Only in My 20’s or Early 30’s.
I Have Plenty of Time.
I’ll Worry About
Starting My Investment Plan Later.
17
18. Start Earlier, Have More Money
Chart shows annual investments of $4,000 starting at 25, 35 and 45 made until the age of 65 growing at a steady 8% return. It is for illustrative purposes only and is not
meant to represent any actual investment or predict any future results; actual results will vary. Income from investments may fluctuate and the value of the investment may
fall or rise against the interest of the investor. 18
19. Get Invested And Stay Invested
These examples are provided for illustrative purposes only. They are not intended to indicate the performance of a particular investment. Generally, mutual funds do not offer a fixed
rate of return. An investor’s principal is not guaranteed or protected from a decline. The growth of your assets will be based on actual rate of return provided by the investment you
choose. Dollar cost averaging does not guarantee a profit of protect against loss. Dollar cost averaging involves continuous investments in securities. You should consider your financial
ability to continue making purchases through periods of low price levels. 19
21. It is Important
to Have a
Distribution Plan
For Your
Retirement Savings!
21
22. You Need a Distribution Plan
Years 1-10 Years 11-20 Years 21+
Income Investments Income and Growth Investments Growth Investments
Cash Equivalents Bonds and Stocks Stocks
* Hypothetical example used for illustrative purposes only. An investor should always consider their investment objectives, time horizon, and tolerance for risk before
implementing any investment strategy.
22
23. Taking Your Money Out
403(b) and 403(b)(7) Accounts
• Penalty Free Distributions are Available at Age 55 if
You are Separated from Service, Otherwise at Age
59 1/2.
• Required Minimum Distributions Must Begin by
April 1st of the Year Following the Year You Turn
Age 70 1/2.
• Distributions are Taxed as Ordinary Income at
Current Year Tax Bracket.
23
24. Your Income Must Last Your
Lifetime!
Conservative Balanced Growth All Equity
Stocks 20% 50% 70% 100%
Bonds 50% 40% 25% 0%
Cash 30% 10% 5% 0%
Real Annual
Withdrawal Rate * Chance of Outliving Your Retirement Assets – 25 year Distribution
6% 89% 45% 34% 30%
5% 53% 17% 9% 15%
4% 8% 0% 0% 0%
* Withdrawal rate in addition to annual inflation as measured by CPI.
Hypothetical example used for illustrative purposes only. Results are based on a historical simulation using all the rolling 25-year periods from 1926 to 2002. Based on
monthly returns of the S&P 500 (stocks) U.S. government bonds (bonds) and U.S. 30-day Treasury bills (cash equivalents) for 1926-2002 as provided by Ibbotson Associates.
Withdrawal rates were adjusted each year for actual CPI inflation rates. Taxes are not taken into account. Past performance is no guarantee of future results. Not intended
to represent the performance of any specific investment and an investment can not be made in any index. Individual investor results will vary. 24
25. A Financial Professional
Can Help You:
• Clarify Your Investment Goals
• Choose Investments that Seek to Meet Your Goals,
Risk Tolerance and Time Horizon
• Set Realistic Expectations for Performance
• Remain Disciplined
• Monitor your Portfolio and Recommend Changes
Over Time
25
26. ZUK Financial Group
Comprehensive Planning Services Include:
• CalSTRS Pension • Income Taxes, Inflation
Maximization and Debt Consolidation
• Other Sources of • Investment Selection and
Retirement Income Portfolio Construction
• Taxable vs. Tax Deferred • Long Term Care and
vs. Tax-Free Income Asset Preservation
• TSA’s, IRA’s, Roth IRA’s, • Estate Planning and
401k’s and Simple Plans Living Trusts
26