The document lists various investment and financial planning strategies including retirement accounts, real estate, insurance products, and other assets. It includes definitions for common financial acronyms. The document is intended to provide broad information about investment topics and strategies, and readers are advised to consult professionals before making specific financial decisions.

1. Start-up Business / IPO
401(k) / 403(b) / 457 / TSP
Growth Stocks REITs
Variable Annuities
Collectibles / Antiques Gem Stones Leveraged Real Estate
REITs Established Business
Building a
Solid Foundation
For
TrueWealth
Copyrighted 2016 Steve Minnich
Do Not Use Without Written Permission
Bridge Loans
Bonds:
* Government
* Municipal
* Corporate
Income Producing
Paid-Off Real Estate
Commercial & Residential
Dividend Paying Stocks
Company Pensions
LIBRs
Protected/Foundational
MYGAs
Oil & Gas Leasing
TIPS Fixed Indexed Annuities
Food Storage &
Water Filtration
Other Insurance:
Auto / Home / P&C
Health / Disability /
LTC / Liability
Silver & Gold
Life Insurance:
Term
IUL
Whole Life
Income/CashFlows
Mutual Funds
Pension
Cash Flows
Conservation
Easements
Tax Liens
Senior Life
Settlement
PPM Fund
Cash Alternative:
Single premium IUL or
Single premium WL
Money Market
Funds
Bank CDsGovernment Securities:
T Bill / T Notes / T Bonds
Blue Chip Stocks – DRIPs
IBC & BOY
Dividends
Max-Funded
Indexed
UniversalLife
Insurance
412(e)(3) Defined Benefits
GLWBs
Commodities
FIAs
Infinite Banking Concept
& Bank On Yourself
Social Security
Structured
Cash Flows
First Lien RE
Investing
Promissory
Notes
AlternativeStrategiesforAccreditedand/orSophisticatedInvestors
Lease Backs
Cash or
Trade Items
Reverse
Mortgage
Fuel

2. Financial Acronym Key:
• 401(k) and 403(b) = the main difference is the type of employers who can offer them. Unlike 401(k) plans which are
offered by for-profit companies, 403(b) plans are only available to employees of private tax-exempt organizations.
These are usually either private schools, hospitals or religious groups. The names simply refer to the section of the
tax code that outlines these plans. These are tax deferred plans.
• 412(e)(3) Defined Benefits = “Pension-like” retirement plans funded using life insurance or annuities
• 457 = Public schools, colleges, universities, charities, state governments, local governments and other tax-exempt
entities under section 501(c)(3) of the IRS code are able to offer 457 plans. The 457 is a strictly voluntary program
wherein employees can contribute money to a retirement savings account. Employees make pre-tax contributions in
the form of payroll deductions, and that money grows tax-deferred until retirement.
• Accredited Investors = have at least $1,000,000 of net worth (not including primary residence) or have either
individual annual income of $200,000 or $300,000 of household annual income for two consecutive years.
• Bank CDs = Bank Certificates of Deposit backed by FDIC insurance
• Derivatives = including Collateralized Debt Obligations (CDOs), Credit Default Swaps (CDS), and Mortgage Backed
Securities (MBS)
• DRIPs = Dividend Reinvestment Plans
• FIAs = Fixed Index Annuities
• GLWB = Guaranteed Lifetime Withdrawal Benefit
• IBC & BOY = Infinite Banking Concept and Bank On Yourself are marketing terms for a uniquely designed whole life
insurance product where cost of insurance is minimized and cash value maximized to enable Federal income tax-free
grow, access, and distribution.
• IPO = Initial Public Offering
• IRA’s, ROTH IRA’s, and SIMPLE accounts = why are these not on any floor? Since they can hold almost any financial
asset class these accounts are like the siding and roofing. They could earn potential profit from almost any of the
strategies on any one of the floors (or in the chimney). The down side with these qualified retirement plans is your
accessibility, use, or control is limited.
• LIBR = Lifetime Income Benefit Rider
• PPM Fund = A Regulation D (“Reg D”) Excluded Security offered using a Private Placement Memorandum
• Max-Funded IUL = Maximum Funded Indexed Universal Life Insurance
• MYGA = Multi-Year Guaranteed Annuity
• REITs = Real Estate Investment Trusts
• Senior Life Settlement PPM Fund = the purchase of another person’s life insurance policy on the secondary market
through a Private Placement Memorandum Fund. This is usually a Regulation D Excluded Security and is usually only
available to accredited investors.
• SPIA = Single Premium Immediate Annuity
• TIPS = Treasury Inflation Protected Securities
• TSP = Thrift Savings Plan is a military and government employee “401(k) like” plan but with relatively low fees
Disclaimers About This Illustration and Worksheet:
1. This material is presented for informational purposes only and should not be considered specific financial advice.
This presentation is intended to provide information and not specific financial advice. Nothing in this presentation
should be considered tax, legal, financial or investment advice. Each person’s financial needs are different. Always
consult with an insurance or investment professional before purchasing any insurance product or investment.
2. Considerations Regarding Variable Products. This presentation is not designed or intended to give specific
investment advice, but, instead, broad and general information about topics covered. Before choosing any
investment, be sure to consider all aspects of that investment, read any prospectus (if applicable) and discuss the pros
and cons with your investment advisor or broker/dealer representative for your specific investment situation.
Copyrighted 2016 Steve Minnich
Do Not Use Without Written Permission

3. Financial Acronym Key:
• 401(k) and 403(b) = the main difference is the type of employers who can offer them. Unlike 401(k) plans which are
offered by for-profit companies, 403(b) plans are only available to employees of private tax-exempt organizations.
These are usually either private schools, hospitals or religious groups. The names simply refer to the section of the tax
code that outlines these plans. These are tax deferred plans.
• 412(e)(3) Defined Benefits = “Pension-like” retirement plans funded using life insurance or annuities
• 457 = Public schools, colleges, universities, charities, state governments, local governments and other tax-exempt
entities under section 501(c)(3) of the IRS code are able to offer 457 plans. The 457 is a strictly voluntary program
wherein employees can contribute money to a retirement savings account. Employees make pre-tax contributions in
the form of payroll deductions, and that money grows tax-deferred until retirement.
• Accredited Investors = have at least $1,000,000 of net worth (not including primary residence) or have either
individual annual income of $200,000 or $300,000 of household annual income for two consecutive years.
• Bank CDs = Bank Certificates of Deposit backed by FDIC insurance
• Derivatives = including Collateralized Debt Obligations (CDOs), Credit Default Swaps (CDS), and Mortgage Backed
Securities (MBS)
• DRIPs = Dividend Reinvestment Plans
• FIAs = Fixed Index Annuities
• GLWB = Guaranteed Lifetime Withdrawal Benefit
• IBC & BOY = Infinite Banking Concept and Bank On Yourself are marketing terms for a uniquely designed whole
life insurance product where cost of insurance is minimized and cash value maximized to enable Federal income tax-
free grow, access, and distribution.
• IPO = Initial Public Offering
• IRA’s, ROTH IRA’s, and SIMPLE accounts = why are these not on any floor? Since they can hold almost any
financial asset class these accounts are like the siding and roofing. They could earn potential profit from almost
any of the strategies on any one of the floors (or in the chimney). The down side with these qualified retirement plans
is your accessibility, use, or control is limited.
• LIBR = Lifetime Income Benefit Rider
• PPM Fund = A Regulation D (“Reg D”) Excluded Security offered using a Private Placement Memorandum
• Max-Funded IUL = Maximum Funded Indexed Universal Life Insurance
• MYGA = Multi-Year Guaranteed Annuity
• REITs = Real Estate Investment Trusts
• Senior Life Settlement PPM Fund = the purchase of another person’s life insurance policy on the secondary market
through a Private Placement Memorandum Fund. This is usually a Regulation D Excluded Security and is usually
only available to accredited investors.
• SPIA = Single Premium Immediate Annuity
• TIPS = Treasury Inflation Protected Securities
• TSP = Thrift Savings Plan is a military and government employee “401(k) like” plan but with relatively low fees
Disclaimers About This Illustration and Worksheet:
1. This material is presented for informational purposes only and should not be considered specific
financial advice. This presentation is intended to provide information and not specific financial advice.
Nothing in this presentation should be considered tax, legal, financial or investment advice. Each person’s
financial needs are different. Always consult with an insurance or investment professional before purchasing
any insurance product or investment.
2. Considerations Regarding Variable Products. This presentation is not designed or intended to give
specific investment advice, but, instead, broad and general information about topics covered. Before choosing
any investment, be sure to consider all aspects of that investment, read any prospectus (if applicable) and
discuss the pros and cons with your investment advisor or broker/dealer representative for your specific
investment situation.
Copyrighted 2016 Steve Minnich
Do Not Use Without Written Permission