Financial Pyramid Of Needs
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The document presents an expert guidance pyramid of needs that outlines different levels of financial planning and products. The pyramid has wealth preservation and distribution at the top, followed by wealth accumulation, then risk management which includes disability insurance, life insurance, long term care insurance, and group health insurance. The bottom of the pyramid indicates the document is from Northwestern Mutual Financial Network and discusses strategic employee benefit services.
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The document is a financial needs pyramid that outlines different levels of financial needs and strategies. At the top of the pyramid are advanced tax liability strategies and estate distribution planning. The middle levels include college education planning, retirement planning through mutual funds, pensions, and IRAs/401ks. The bottom levels cover more basic needs like property and casualty insurance, life insurance, medical insurance, and savings. The pyramid is meant to illustrate the progression of financial needs from basic to more advanced as individuals and families achieve different stages of life.
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1) John creates an irrevocable non-grantor trust to provide asset protection and estate tax savings for heirs.
2) John gifts $5 million of non-voting business interests to the trust and sells another $5 million of interests to the trust via an installment note.
3) Investments, LLC loans $5 million in cash/securities to the trust to provide cash flow to reinvest in the trucking business. The strategies are designed to maximize John's gifting amounts and reduce estate and income taxes while continuing to benefit his heirs.
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The document discusses the strength and stability of MassMutual as a financial partner during uncertain economic times. It notes that MassMutual has consistently paid dividends to policyholders since 1860 and approved a $1.35 billion dividend payout for 2009. The document also highlights MassMutual's $8.5 billion surplus and high financial strength ratings as evidence of its ability to withstand unforeseen events. It encourages readers to experience the benefits of partnering with a stable financial institution like MassMutual.
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2. Key person insurance offsets lost cash flow if important employees die or leave by providing funds.
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1) John creates an irrevocable non-grantor trust to provide asset protection and estate tax savings for heirs.
2) John gifts $5 million of non-voting business interests to the trust and sells another $5 million of interests to the trust via an installment note.
3) Investments, LLC loans $5 million in cash/securities to the trust to provide cash flow to reinvest in the trucking business. The strategies are designed to maximize John's gifting amounts and reduce estate and income taxes while continuing to benefit his heirs.
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The document discusses employee benefits trends in India. It notes that India has a large and diverse population. Mandatory benefits include provident fund, gratuity, and personal accident insurance. Voluntary benefits include mediclaim, life insurance, and superannuation. Insurance companies offer various products for retirement benefits like defined contribution plans and defined benefit plans. Common retirement benefits provided by employers include leave encashment, gratuity, and superannuation. Trends show life insurance participation and defined contribution plans increasing among employers and employees in India.
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- Erie Indemnity Company manages operations for Erie Insurance Exchange and its subsidiaries. It aims to provide property/casualty and life insurance primarily to individuals.
- In 2007, net income was up 4.4% to $212.9 million and net income per share increased 9.6% to $3.43. Underwriting income increased 84.5% while management fee revenue rose slightly.
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- Identify the benefits of Captive Insurance companies
- Differentiate which clients would be ideal for a Captive
- List the necessary steps to form a Captive
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2) When you join a plan, you will need to provide personal details and make decisions about contributions and investments. Leaving an employer requires deciding what to do with your pension benefits, such as transferring funds to a locked-in retirement account.
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- Captives allow business owners to insure risks not covered by traditional insurance and control rising costs.
- Mid-sized businesses with over $1 million in profits annually are good candidates for captives.
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- 1. Expert Guidance Pyramid of Needs Estate Wealth Preservation Analysis & Distribution Stable Personal Wealth Accumulation Assets Investments Company Retirement Solutions Tax Deferred Cash Taxed Long Group Risk Management Disability Life Term Care Health Insurance Insurance Insurance Insurance Northwestern Mutual Financial Network is the marketing name for the sales and distribution arm of The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) and its subsidiaries and affiliates. Financial Representative is an Insurance Agent of NM (life insurance, annuities and disability income insurance) and Northwestern Long Term Care Insurance Company, Milwaukee, WI (NLTC), a subsidiary of NM (long-term care insurance). Securities are offered through Northwestern Mutual Investment Services, LLC (NMIS), 285 Riverside Ave., Westport, CT 06880, (203 221-5200, a wholly-owned company of NM, broker-dealer and member FINRA and SIPC. NM and The Bender Financial Revision Date 4/2008 Group are not broker-dealers. Strategic Employee Benefit Services is a nationwide marketing program providing employee benefit services exclusively through the Northwestern Mutual Financial Network. Registered Representative Pyramid The Bender Financial Group