The document provides an overview of Entaire Programs which are financing programs designed for business owners to help fund their retirement through commercial loans to their business to purchase tax advantaged investment products like universal life insurance and annuities. It discusses who the programs are for, what the programs are, how the programs work through an accelerated funding model, and provides a case study example of a small business owner using one of the programs.
In this presentation we will deal with the “Concept of Investment” and further discuss the purpose, speculation and strategies to be followed while investing.
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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
Capital Budgeting is the formal process of investments or expenditure that is huge in amount. It involves the company's major decision where to invest the current fund in the development of the organization such as for addition, disposition, modification, or replacement of fixed assets.
Learning Objectives
After studying this chapter, you should be able to:
[1] Indicate the benefits of budgeting.
[2] Distinguish between simple and compound interest.
[2] Identify the variables fundamental to solving present value problems.
[3] Solve for present value of a single amount.
[4] Solve for present value of an annuity.
[5] Compute the present value of notes and bonds.
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Defining investment:
A current commitment of £ for a period of time in order to derive future payments that will compensate for:
• the time the funds are committed
• the expected rate of inflation
• uncertainty of future flow of funds
time value of money, future value with exercises, present value exercises. annuity, annuity due exercises, mixed flows, rule of 72 with exercise, unknown interest rate and time period with exercises. present value and future value with discounting monthly, quarterly, semi-annually, annually etc
For more course tutorials visit
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FIN 402 Investment Fundamentals and Portfolio Management Final Exam Guide
True/False
1.___ ___ The balance sheet shows what assets the firm controls at a point in time and how it financed the assets.
Capital Budgeting is the formal process of investments or expenditure that is huge in amount. It involves the company's major decision where to invest the current fund in the development of the organization such as for addition, disposition, modification, or replacement of fixed assets.
Learning Objectives
After studying this chapter, you should be able to:
[1] Indicate the benefits of budgeting.
[2] Distinguish between simple and compound interest.
[2] Identify the variables fundamental to solving present value problems.
[3] Solve for present value of a single amount.
[4] Solve for present value of an annuity.
[5] Compute the present value of notes and bonds.
Long term decision-making for health and social care
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Defining investment:
A current commitment of £ for a period of time in order to derive future payments that will compensate for:
• the time the funds are committed
• the expected rate of inflation
• uncertainty of future flow of funds
time value of money, future value with exercises, present value exercises. annuity, annuity due exercises, mixed flows, rule of 72 with exercise, unknown interest rate and time period with exercises. present value and future value with discounting monthly, quarterly, semi-annually, annually etc
For more course tutorials visit
www.newtonhelp.com
FIN 402 Investment Fundamentals and Portfolio Management Final Exam Guide
True/False
1.___ ___ The balance sheet shows what assets the firm controls at a point in time and how it financed the assets.
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1. Entaire Programs Overview
Jack Gary Alspaugh
Gary Insurance Group
jga@GaryInsuranceGroup.com
480-443-3249
2. Today’s Agenda
• Who Entaire Programs are for:
• Business Owners
• What the Programs are:
• Financed Planning™
• How the Programs work:
• Overview of the Programs
• Case Study:
• Paul Smith
Financed Planning™ is a trademark of Entaire Global Intellectual Property, Inc.
4. The Business Owners’ Challenge
• 47% of Business Owners surveyed
indicated that they do not believe that they
are financially prepared for their retirement1
• 68% of Business Owners believe that they
will live below their current lifestyle when
they retire2
So, what’s the challenge?
1 Harris Interactive on behalf of Sharebuilder 401(k)
2 LIMRA, 2006
5. Phases of the Entrepreneurial Business
Maturity
Expansion
Growth
Startup
Limited Excess Excess Cashing
Excess Money Funds Out
Money Reinvested Available Phase
7. The Answer
Programs:
• designed solely for you, the Business Owner,
• that allow for large sums of money to grow
tax deferred,
• that are tax efficient and cost effective,
• that use your business checkbook, and
• that will create less risk and more stability in
your portfolio
9. Rule of 72
The Rule of 72
How long does money take to double?
Divide 72 by the assumed rate, the result is $4M
the number of years until a sum doubles.
$2M
$1M
$500K
$500K $500K $500K $500K
0 Years 10 Years 20 Years 30 Years
Assumptions: Net Book Value of Business - $500K Interest Rate – 7.2%
Note:
Hypothetical results for illustrative purposes only and not a representation of past
or future results.
10. Compressed Time Frame Concept
Accelerated Funding
Choice 1 - $ 16,667 per year X 30 years = $500,000
Choice 2 - $ 50,000 per year X 10 years = $500,000
Choice 3 - $500,000 only once X Today = $500,000
$16,667 $1,684,584
$50,000 $2,860,393
$500,000 $3,808,127
Today 30 Years
Note:
A hypothetical crediting rate of 7%. Represents approximations and should not be relied upon as tax or investment
advice. The performance of financial products fluctuate over time. The actual time to achieve any result cannot be
predicted with certainty.
11. Compounding with Real Estate
7%
average annual growth
over 20 years
Asset Value = $500,000 Asset Value = $1,934,842
$500k Mortgage
7% $500k Mortgage
Interest-Only
$35,000 annual cost
Point A Point B
$1,434,842 gross gain - $700,000 interest cost = $734,842 Net Gain
Note:
This is a hypothetical example, not indicative of actual results. Actual results will vary.
12. The Stability of Equity Indexed Products
• Allows client to participate in market upside
• No downside risk to principal and prior period
Annual
earnings Crediting $1,134,000
Annual Crediting 5%
0%
Annual $1,080,000
Crediting Needed to
8% Catch Up
Market Down Turn 14.12%
$1,000,000 $993,660
- 8%
Keep in mind…
If you received the 5% as shown in this example on the $993,660, you would
have a total of $1,043,343. That is a $90,657 difference because of the
guaranteed floor.
14. Program Overview
Step 1 Step 2 Step 3
Commercial Loan Transfer Method Product Funding
Universal Life
and/or
Annuity
Products
You
Your Business
Your Business
Global One Financial
18. Case Study – ABC Company
• Paul Smith, Small Business owner
• 25 Years in Business
• Desired Retirement Age – 63
19. Summary – Paul Smith
• Current Age: 50
• Years Until Retirement: 13
• Desired Annual Income: $115,000
• Number of Payout Years: 25
• Personal Tax Bracket: 35%
Paul needs a lump sum of at least $1,340,162 at
retirement to support an income of $115,000 per
year for 25 years.
20. Solution – Paul Smith
ABC Company implements a Financed Planning™ program in the
amount of $600,000.
The $600,000 is placed into an Equity Indexed Annuity, owned by
Paul Smith (assumed annual tax deferred earnings of 7%).
ABC Company makes interest payments of approximately
$40,500 annually (assumed interest rate of 6.75%).
After 13 years, Paul’s annuity value will have grown to $1,445,907,
which gives Paul an income in the amount of $115,957 per year for
25 years.
(This example assumes that the loan is repaid at retirement using assets that are not part of the program’s
financed product - preferably assets with the then-current lowest yielding performance.)
21. Equivalent Yield – Paul Smith
ABC Company makes interest payments for the Entaire Program
of approximately $40,500 annually.
If the company were to distribute this amount to Paul directly, he
would have to pay income tax at 35%, leaving him with $26,325 per
year to invest.
Paul’s investment of $26,325 per year for 13 years would have to
earn an annual rate of return of 19.26% in order to provide the
same annual income of $115,957 for 25 years.
22. Entaire Programs Provide Value
• Provides alternative to traditional retirement
plans
• Allows catching up on retirement planning
• Activates dormant assets
• Provides asset protection opportunities
23. Program Structure – Asset Protection
Corporate Level
In order to make a loan with no personal
guarantee, we lend directly to the corporation and
place a lien on certain corporate assets. This may
limit the attractiveness for a potential law suit.
Individual Level
The product is owned by the individual, not the
corporation. If the corporation is sued, this is not
its asset.
Product Level
This level depends on the state you sell in. State law
defines the level of protection regarding cash value
and policy attachment by creditors.