The document provides an overview of the Integrity with GFD solution, a new wealth accumulation and protection solution for business owners. It addresses main challenges business owners face like not having enough money for retirement or rewarding family. The Integrity solution offers accelerated wealth accumulation, additional life insurance protection, and significant tax advantages. It works by providing an upfront loan that is deposited into a universal life insurance policy to grow tax-deferred. Business owners can then enjoy multiple exit strategies like selling the business, using it for retirement income, or leaving a financial legacy.
Myer Family Wealth Goal Achiever- InKnowVision Advanced Estate PlanningInKnowVision
James is 64, and a few years ago started up a Consulting Company (Consulting Corp) with his business partner Dave. They have acquired some lucrative contracts over the last couple of years, and after spending frugally his entire life, James is starting to enjoy his newly created wealth. James is divorced and makes alimony payments in the amount of $100,000/yr. on top of his $500,000/yr. in living expenses. Because the wealth and income generated by the company is recent, James has not accumulated much in the way of liquid assets yet, but the company value is significant and future profits look very promising.
Learn more at www.inknowvision.com
Myer Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
James is 64, and a few years ago started up a Consulting Company (Consulting Corp) with his business partner Dave. They have acquired some lucrative contracts over the last couple of years, and after spending frugally his entire life, James is starting to enjoy his newly created wealth. James is divorced and makes alimony payments in the amount of $100,000/yr. on top of his $500,000/yr. in living expenses. Because the wealth and income generated by the company is recent, James has not accumulated much in the way of liquid assets yet, but the company value is significant and future profits look very promising.
The primary planning goals are to:
Make sure that he has sufficient funds to live on for the rest of his life (approx. $600,000/yr., including alimony, after taxes and gifts).
Reduce income taxes.
Maximize the inheritance that he leaves to his children and grandchildren. Consider passing his business interests to his children involved in the industry while providing an equal inheritance of non-business interests to those that are uninterested.
Assure that he has sufficient liquid assets available at his death to eliminate the forced liquidation of his business assets.
Eliminate or reduce estate taxes.
InKnowVision November 2012 Case Study - Basic Family Wealth Goal AchieverInKnowVision
Tom is 83 and Jane is 76. They have two children who are both well employed and live productive and happy lives. Tom was an attorney who headed a large patent firm in Washington DC. Jane served as an expert in international trade for much of her professional life. During the latter part of his career, Tom agreed to do work for a start up company that became very successful. Today, Tom’s share of the company is valued at $3.2M but generates $1.4M-$1.5M per year in taxable distributions. Several years ago, the company spun out one of its divisions and took the new company public. It has seen massive growth; almost no dividends have been distributed, and the company has a value to Tom today of approximately $6.4M. Tom and Jane also have approximately $5.2M in cash, $3.2M in retirement funds, and real estate of $4M for a total net worth of about $22M.
The primary planning goals are to:
Make sure that they have sufficient funds to live on for the rest of their lives
Maximize what they leave to their children and grandchildren
Increase the amount of charitable giving that they are currently doing
Equalize the financial positions of their son and daughter
Make a substantial provision for charity in place of estate tax if possible
Myer Family Wealth Goal Achiever- InKnowVision Advanced Estate PlanningInKnowVision
James is 64, and a few years ago started up a Consulting Company (Consulting Corp) with his business partner Dave. They have acquired some lucrative contracts over the last couple of years, and after spending frugally his entire life, James is starting to enjoy his newly created wealth. James is divorced and makes alimony payments in the amount of $100,000/yr. on top of his $500,000/yr. in living expenses. Because the wealth and income generated by the company is recent, James has not accumulated much in the way of liquid assets yet, but the company value is significant and future profits look very promising.
Learn more at www.inknowvision.com
Myer Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
James is 64, and a few years ago started up a Consulting Company (Consulting Corp) with his business partner Dave. They have acquired some lucrative contracts over the last couple of years, and after spending frugally his entire life, James is starting to enjoy his newly created wealth. James is divorced and makes alimony payments in the amount of $100,000/yr. on top of his $500,000/yr. in living expenses. Because the wealth and income generated by the company is recent, James has not accumulated much in the way of liquid assets yet, but the company value is significant and future profits look very promising.
The primary planning goals are to:
Make sure that he has sufficient funds to live on for the rest of his life (approx. $600,000/yr., including alimony, after taxes and gifts).
Reduce income taxes.
Maximize the inheritance that he leaves to his children and grandchildren. Consider passing his business interests to his children involved in the industry while providing an equal inheritance of non-business interests to those that are uninterested.
Assure that he has sufficient liquid assets available at his death to eliminate the forced liquidation of his business assets.
Eliminate or reduce estate taxes.
InKnowVision November 2012 Case Study - Basic Family Wealth Goal AchieverInKnowVision
Tom is 83 and Jane is 76. They have two children who are both well employed and live productive and happy lives. Tom was an attorney who headed a large patent firm in Washington DC. Jane served as an expert in international trade for much of her professional life. During the latter part of his career, Tom agreed to do work for a start up company that became very successful. Today, Tom’s share of the company is valued at $3.2M but generates $1.4M-$1.5M per year in taxable distributions. Several years ago, the company spun out one of its divisions and took the new company public. It has seen massive growth; almost no dividends have been distributed, and the company has a value to Tom today of approximately $6.4M. Tom and Jane also have approximately $5.2M in cash, $3.2M in retirement funds, and real estate of $4M for a total net worth of about $22M.
The primary planning goals are to:
Make sure that they have sufficient funds to live on for the rest of their lives
Maximize what they leave to their children and grandchildren
Increase the amount of charitable giving that they are currently doing
Equalize the financial positions of their son and daughter
Make a substantial provision for charity in place of estate tax if possible
A brief presentation on the value of our proposition for clients of a solicitors practice and why you may consider applying to become a referral partner (all applications subject to consideration)
Presentation slides for the SMSF Tax Planning webinar presented by Aaron Dunn of the SMSF Academy on 24 April 2013.
With the growing number of self-managed super funds, the need to appropriately plan and take advantage of the various contribution, pension, investment strategy and tax issues all lead to the value of discussing some key tax planning strategies with SMSF trustees.
If you wish to view the webinar recording, this can be purchased for $99 (incl. GST). You can visit the SMSF Academy online store to purchase this recording, https://nq129.infusionsoft.com/app/storeFront/showCategoryPage?categoryId=9
Jackson Family Wealth Goal Achiever - Advanced Estate PlanningInKnowVision
Chris is 68 and Beth is 59. Chris has recently just retired from an executive position in a public company. They have always led a relatively simple and conservative lifestyle and as a result have built up a very significant, and liquid, net worth. As part of Chris’s retirement package, he has an annual pension payment of approx. $360,000 (inflating). The pension alone is enough to cover their annual living expenses of $230,000. As a result, they have a large annual cash flow surplus created by the $400k in annual dividends from their equity portfolios and their tax-exempt income from municipal bond portfolios totaling $1.1M.
The main planning objective is to take advantage of the lifetime gifting exemption ($5M each) while it is still available. This is due in part to the large concentration of conservatively invested assets that are growing inside Chris and Beth’s estate. In addition, they are looking to preserve enough assets in order to provide sufficient cash flow that will ensure a comfortable lifestyle with flexibility during retirement.
Learn more at www.inknowvision.com
Private 3rd Party Pensions Sponsorship - A Chance fpor better social stewardship. Explores the definded aspiration of people and impact investing by pension funds. Published by the Pensions Management Institute September 2012
Jackson Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
Chris is 68 and Beth is 59. Chris has recently just retired from an executive position in a public company. They have always led a relatively simple and conservative lifestyle and as a result have built up a very significant, and liquid, net worth.
As part of Chris’ retirement package, he has an annual pension payment of approximately $360,000 (inflating). The pension alone is enough to cover their annual living expenses of $230,000.
As a result, they have a large annual cash flow surplus created by the $400k in annual dividends from their equity portfolios and their tax-exempt income from municipal bond portfolios totaling $1.1M.
The primary planning goals were to:
Make sure that they have sufficient funds to live on for the rest of their lives (approximately $230,000 after taxes and gifts).
Provide for the financial security of the surviving spouse.
Create an inheritance for their children which protects them from any potential future creditors and/or predators.
Provide a charitable gift at death as long as it doesn’t greatly diminish the amount they pass to their heirs.
Eliminate or reduce estate taxes.
Carter Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
Jerry and Susan Carter are both 63. They own and operate a very profitable manufacturing business in a small town. Jerry and Susan spend about $650,000 a year, giving generously to family ($200,000/yr.) and their favorite charitable causes ($150,000/yr.). Although the business provides significant taxable income of over $5M a year, Jerry and Susan have been re-investing excess cash back into the business to keep it thriving through the latest recession. With assets totaling over $60M, a growing business and an income tax bill surpassing $2M/yr., their estate tax and income tax exposure is quickly increasing.
The primary planning goals are to:
Provide for the financial security of the surviving spouse.
Maintain Carter Manufacturing as a viable company in their hometown after they exit the business.Maintain their customary lifestyle and gifting. This should take approx. $650,000 annually after taxes.
Eliminate or reduce estate taxes.
Maintain adequate gifting to their children and grandchildren. Their main priority is providing funds for their grandchildren’s educations.
Maximize the inheritance they leave to their children and grandchildren.
Establish a family foundation for lifetime and future family charitable giving.
Learn more at www.inknowvision.com
This is an intermediate overview of nonprofit accounting, where we will: Discuss key revenue sources unique to nonprofit organizations. Differentiate between contributions, exchange and agency transactions and how to apply appropriate accounting treatment. Review documentation to determine how contributions should be classified. Apply key accounting principles related to net assets including, differentiating among unrestricted, temporarily restricted, and permanently restricted net assets.
Taylor Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
The Family Wealth Goal Achiever™ is a plan design book (like a blueprint) that explains in easy to understand text and graphics the planning ideas being recommended by the planning team. It solves for high net worth tax planning, advanced estate planning, business transition planning, asset protection planning.
Learn more at www.inknowvision.com
Jan 29, 2011, I gave a public speech to PersonaTech. This is the document originally hosted on iwork.com, but since Apple shutdown iwork.com, I hope slideshare.net can help this presentation find a place to stay.
A brief presentation on the value of our proposition for clients of a solicitors practice and why you may consider applying to become a referral partner (all applications subject to consideration)
Presentation slides for the SMSF Tax Planning webinar presented by Aaron Dunn of the SMSF Academy on 24 April 2013.
With the growing number of self-managed super funds, the need to appropriately plan and take advantage of the various contribution, pension, investment strategy and tax issues all lead to the value of discussing some key tax planning strategies with SMSF trustees.
If you wish to view the webinar recording, this can be purchased for $99 (incl. GST). You can visit the SMSF Academy online store to purchase this recording, https://nq129.infusionsoft.com/app/storeFront/showCategoryPage?categoryId=9
Jackson Family Wealth Goal Achiever - Advanced Estate PlanningInKnowVision
Chris is 68 and Beth is 59. Chris has recently just retired from an executive position in a public company. They have always led a relatively simple and conservative lifestyle and as a result have built up a very significant, and liquid, net worth. As part of Chris’s retirement package, he has an annual pension payment of approx. $360,000 (inflating). The pension alone is enough to cover their annual living expenses of $230,000. As a result, they have a large annual cash flow surplus created by the $400k in annual dividends from their equity portfolios and their tax-exempt income from municipal bond portfolios totaling $1.1M.
The main planning objective is to take advantage of the lifetime gifting exemption ($5M each) while it is still available. This is due in part to the large concentration of conservatively invested assets that are growing inside Chris and Beth’s estate. In addition, they are looking to preserve enough assets in order to provide sufficient cash flow that will ensure a comfortable lifestyle with flexibility during retirement.
Learn more at www.inknowvision.com
Private 3rd Party Pensions Sponsorship - A Chance fpor better social stewardship. Explores the definded aspiration of people and impact investing by pension funds. Published by the Pensions Management Institute September 2012
Jackson Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
Chris is 68 and Beth is 59. Chris has recently just retired from an executive position in a public company. They have always led a relatively simple and conservative lifestyle and as a result have built up a very significant, and liquid, net worth.
As part of Chris’ retirement package, he has an annual pension payment of approximately $360,000 (inflating). The pension alone is enough to cover their annual living expenses of $230,000.
As a result, they have a large annual cash flow surplus created by the $400k in annual dividends from their equity portfolios and their tax-exempt income from municipal bond portfolios totaling $1.1M.
The primary planning goals were to:
Make sure that they have sufficient funds to live on for the rest of their lives (approximately $230,000 after taxes and gifts).
Provide for the financial security of the surviving spouse.
Create an inheritance for their children which protects them from any potential future creditors and/or predators.
Provide a charitable gift at death as long as it doesn’t greatly diminish the amount they pass to their heirs.
Eliminate or reduce estate taxes.
Carter Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
Jerry and Susan Carter are both 63. They own and operate a very profitable manufacturing business in a small town. Jerry and Susan spend about $650,000 a year, giving generously to family ($200,000/yr.) and their favorite charitable causes ($150,000/yr.). Although the business provides significant taxable income of over $5M a year, Jerry and Susan have been re-investing excess cash back into the business to keep it thriving through the latest recession. With assets totaling over $60M, a growing business and an income tax bill surpassing $2M/yr., their estate tax and income tax exposure is quickly increasing.
The primary planning goals are to:
Provide for the financial security of the surviving spouse.
Maintain Carter Manufacturing as a viable company in their hometown after they exit the business.Maintain their customary lifestyle and gifting. This should take approx. $650,000 annually after taxes.
Eliminate or reduce estate taxes.
Maintain adequate gifting to their children and grandchildren. Their main priority is providing funds for their grandchildren’s educations.
Maximize the inheritance they leave to their children and grandchildren.
Establish a family foundation for lifetime and future family charitable giving.
Learn more at www.inknowvision.com
This is an intermediate overview of nonprofit accounting, where we will: Discuss key revenue sources unique to nonprofit organizations. Differentiate between contributions, exchange and agency transactions and how to apply appropriate accounting treatment. Review documentation to determine how contributions should be classified. Apply key accounting principles related to net assets including, differentiating among unrestricted, temporarily restricted, and permanently restricted net assets.
Taylor Family Wealth Goal Achiever - InKnowVision Advanced Estate PlanningInKnowVision
The Family Wealth Goal Achiever™ is a plan design book (like a blueprint) that explains in easy to understand text and graphics the planning ideas being recommended by the planning team. It solves for high net worth tax planning, advanced estate planning, business transition planning, asset protection planning.
Learn more at www.inknowvision.com
Jan 29, 2011, I gave a public speech to PersonaTech. This is the document originally hosted on iwork.com, but since Apple shutdown iwork.com, I hope slideshare.net can help this presentation find a place to stay.
Captive Insurance Group - A Risk Management Strategycaptiveinsurance
We provide our clients with unique risk management tools & support designed to help them control their costs with private insurance companies.
With extensive experience, our team of dedicated professionals can help deliver the stability and predictability you need in order to lower costs and drive profits.
With creative concepts and an intuitive grasp on our clients’ goals, we design policies that help you strengthen your position in the present and protect you as you head into the future.
A New Arrow for The Pension Practitioners Quiver: Pension Risk TransferJay Dinunzio
Webinar Presentation Slides
Gone are the days of group annuity contracts only being able to satisfy the plan termination objectives of a pension plan sponsor. Today, there are a wide variety of useful applications for guaranteed institutional annuity contract structures to provide an alternative to traditional fixed income investments. Are you or your pension clients:
•Struggling with cost and volatility issues surrounding a defined benefit pension plan?
•Considering a liability driven investment strategy that will de-risk the plan investment and allow for stable, predictable funding?
•Limited by fixed income funds that only allow for simple duration matching, and expose the plan to cash flow mismatch risks?
•Unaware of the variety of customized institutional insurance contract structures available?
•Lacking a fiduciary process for evaluating and monitoring the attractiveness of insured pension solutions?
Protecting and Transferring Wealth With Captive Insuranceindmew
Potentially reduce business tax, personal tax, and inheritance tax using a captive insurance company. Family owned businesses can also increase asset protection and increase money passed to future generations.
Franchising is an all-American business model that has enabled tens of thousands of veterans to become small business. Join Stacy Swift, owner of FranNet Colorado and a franchise industry expert, to learn how to separate the myths from the facts. What is a franchise? What are the requirements? How do you find the “best” one for you?
By: Stacy Swift, FranNet
Similar to Integrity W Gfd Power Point June 2011 (20)
1. INTEGRITY with GFD | Re re Your Worries
A New Wealth Accumulation and Protection Solution For Business Owners
Business
Owners
Guide
POWER UP + GROW + PROTECT
2. The Need For Better Options
Main Challenges: Integrity Solution:
Not having enough money to last you Accelerated Wealth Accumulation
and your family for the rest of your life.
Additional Life Insurance Protection
Having to pay more taxes as your
business grows and succeeds. Significant Tax Advantages
Realizing the true value you deserve Multiple Exit Strategies
from your business.
Financial Legacy for Your Chosen Heirs
Rewarding your family in the event of
your premature passing.
4. Limitations of Current Retirement Plans
Limits to
Maximum
Contribution
Limits to
Maximum
Discretionary
Contribution
Matching Costs
Expenses 100% Funding
Annual by the Employer
Administration
401K Costs
SEP Expenses
Need to Watch
Fiduciary Trustee Fees
Exposure
Tax Liabilities
upon Withdrawal
in Retirement
Tax Liabilities
upon Withdrawal
in Retirement
5. Integrity with Global Financial Distributors® (GFD)
Make Future Contribu ons Work Today
• designed for a business owner:
Whom is It For? u zes the business en y as the founda on
for wealth accumula on and growth
• to provide substan al funding right from the start
What is Its Goal? to kick-start wealth accumula on
• to maximize life insurance benefits
• uses a
How Does It Work? • deposits the loan proceeds into a universal life
insurance policy to
• a weal
• an efficient and cost-effec ve way of purchasing or
How is It Used?
consolida ng life insurance
• a powerful combina on of wealth accumula on and protec on
.
What is the Process? • affordable, transparent and simple to implement
• may be used as an add on to exis ng re rement plans
Footnote: Global Financial Distributors® is a registered trademark of Entaire Global Intellectual Property Inc.
6. Integrity with GFD® – How It Works
1. POWER UP 2. GROW + PROTECT 3. ENJOY
UP-FRONT FINANCING WEALTH ACCUMULATION EXIT STRATEGIES
The Business receives a loan The loan principal is deposited into a You create mul ple exit strategies
Universal Life Policy
The Loan: Life Insurance Policy: Flexible Exit Strategies:
Interest-Only Sale of the Business
No Personal Guarantee methods available
Re rement Income
May or May Not Require Collateral Has limited downside risk to the
Renewable * principal Genera onal Transfer
Call Protec on* Significant life insurance coverage Death Benefit
The interest payments on the
The cash value of the policy
loan may b Tax-
grows tax-deferred.
to the business
*Consult Integrity contract rider regarding renewability and call protection. Riders are subject to state availability, certain limitations, and
may require additional charges. See terms of the rider for full details. **(See “Disclaimer” page at the end of this presentation.) Each
customer should make an independent evaluation or assessment of the transaction and should consult with his/her legal and/or tax advisor.
7. 1. Power Up: Up-Front Financing
Get a Significant Capital Infusion
Business Owner Case Study: 50 year old Male, rated standard Re rement: 70 years old
Integrity with Leveraged Planning® Loan - Conversion Chart
Business Owner’s The 20-Year Loan Amount Available
Current Annual Contribu on Through Integrity with Entaire*
25,000 = 455,000
45,000 = 818,000
65,000 = 1,182,000
85,000 = 1,545,000
100,000 = 2,000,000
Advantages:
•You start with 15-20 times more funds than a traditional retirement plan participant
•You only spend more if you wish to make more
• Keep in mind that this is a loan and is encumbered until such time as the loan is repaid, which can be through
generational transfer, death or sale of the business.
Footnote: Leveraged Planning® is a registered trademark of Entaire Global Intellectual Property Inc.
8. Integrity with GFD® Retirement Program
Business Owner Case Study: Age: 50 years old Male, rated standard Retirement: 70 years old
401K Integrity
Annual Contribu 16,500 0
(Salary Deferrals and Profit Sharing)
Contribu n to “IRP” 0 685,000
Annual administra n expenses 8,500
Annual Net Contribu n/Cost 25,000 25,002
20-Year Total Contribu 330,000 685,000
20-Year Cost at Current Rates 500,000 500,040
20-Year Value 768,111 1,794,210
(at 7.5% compounding rate of return on the
Annual Net Contribu n)
Taxa n at 30% 230,433 N/A
Total 20-Year Value 537,678 1,794,210
Integrity Business Owner's initial contribution is equivalent to more
than two times the 401k cumulative 20 year contribution.
•Minnesota Life Eclipse Indexed Life Product. Includes full funding of death benefits. This example is based on assump s and is being provided for informa al
purposes only. The amount of life insurance purchased affects the cash accumul on and dividend rates and therefore may not cover the interest on the loan.
9. 2. Grow and Protect: The Equity Indexed Universal Life Products*
The cash value of the policy will increase with the market without
essentially any downside risk to principal and prior period earnings.
Annual
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%
*This is a hypothetical example. Past performance is not indicative of future results.
10. Integrity with GFD® Insurance Flagship Product
Minnesota Life Eclipse IndexedLife – Historical Perspec ve*
Business Owner Case Study: 50 year old Male, rated standard Re rement: 70 years old
Look-Back Periods Annual Return
15 years 8.85%
20 years 8.34%
25 years 8.95%
30 years 8.86%
* Source: Hallett Financial Group, Inc., a Field Marketing Organization for Minnesota Life. Based on
Minnesota Life Historical Compound Averages of S&P 500, using Dec.1980 through Dec. 2009
timeframes. The attainment of the presented rates of return is not guaranteed or implied.
Past performance is not indicative of future results.
11. Maximize Life Insurance Benefits
Personal Business
Survivorship Income Key Person Life Insurance
Paying Off
Buy-Sell Agreements
Financial Liabilities
Retirement Income Succession Planning
Estate Planning
Additional Benefits:
1. The opportunity to consolidate your current life insurance policies and expenses.
2. The ability to lock-in the initial life insurance benefits regardless of the changes
in your health conditions down the road.
3. A more efficient and cost effective way to take care of your insurance needs.
12. Enjoy: EXIT Strategies
1. Sale of Business
to a Third Party
2. Generational
Transfer
3. Retirement
4. Life Insurance
Death Benefit
13. Integrity’s Unparalleled EXIT Strategies
1. SALE OF BUSINESS TO A THIRD PARTY 2. RETIREMENT
Flexible treatments for repayment of commercial The loan can be paid off from the cash value of the
loan to limit taxable impact to Business Owner.* policy or external funds.
The remaining policy cash value can be used in the
The original Business Owner now has access to life form of loans with full access.
insurance cash value to borrow against and full use of
the entire death benefit. There is no penalty for accessing this option prior to
59.5 or after 70.5 years of age.
3. GENERATIONAL TRANSFER 4. DEATH/DISABILITY OF THE BUSINESS OWNER
The transaction may be considered a sale to a third Death Benefit is used to retire the commercial loan.
party and enjoys the same treatment.
The remainder is usually a tax-free benefit to the
Business Owner’s beneficiary of choice.*
The plan can be structured to be self-completing.
* (See “Disclaimer” page at the end of this presentation.)
14. Integrity with GFD®
Benefit Summary
Provides up-front funding to kick- • Your ini al contribu on is equivalent to almost 20 years of
start your wealth accelera on = contribu on in a tradi onal plan.
process… • Has the poten al to increase the value of your assets greatly.
Maximizes your life insurance • Protects your assets from market risks.
benefits… = • A more efficient and cost-effec ve way of buying life insurance.
• Has the poten al to drama cally increase the value of business
Provides benefits on both business = upon its sale.
and personal levels… • May be used as supplemental re rement income and/or financial
legacy for your beneficiaries.
Provides significant • Has poten al opportunity for tax deduc bility, tax deferral and
tax advantages…* = tax-free withdrawals.
Organized as a
turn-key solu on… = • Requires minimum work on your part – we do the rest.
* (See “Disclaimer” page at the end of this presentation.)
15. Is This The Right Fit For You?
A Typical Integrity with GFD® Client
Needs an efficient and cost-effec ve life insurance policy.
Has an average of a 15-20 year wealth accumula on me horizon.
Has a steady revenue stream and cash flow.
Has substan al tax planning concerns
May have the need for succession planning; buy-sell agreements
and/or using the business to fund estate planning.
May have lending restric ons in the current credit environment and
limited flexibility to acquire money to finance growth.
16. Integrity with GFD®
Easy Turn-Key Implementa on
1 2 3
To pre-qualify for the Apply for a life
Receive a formal loan
loan, fill out a standard insurance policy and
offer with closing
Personal Informa on complete underwri ng
documents.
Form. documents.
The Lender Automatically Sends Funds to the Life Insurance Policy Carrier to Fund Your Policy.
17. Disclaimer
The information contained herein has been prepared to assist interested parties in making
their own evaluation and does not purport to contain all of the information that an
interested party may desire. Information in this piece may be updated at any time without
prior notice. Should there be any inconsistencies between this piece and the information
produced by Integrity Business Solutions, LLC, the product’s architect, please refer to the
Integrity Business Solutions’ material as the source copy. Past performance does not
guarantee future returns.
Please be advised that this content is based on our general understanding of federal
income tax rules for U.S. individuals and businesses and may not be relied upon. Clients
should consult and rely exclusively upon their own tax and legal advisors. Integrity Business
Solutions Provider LLC does not provide any legal or tax advice of any nature, nor is this
document intended to do so. Accordingly, any tax information provided in this content is not
intended or written to be used, and cannot be used, by any taxpayer for the purpose of
avoiding penalties that may be imposed on the taxpayer. The tax information was written to
support the promotion or marketing of the transaction(s) or matter(s) addressed and you
should seek advice based on your particular circumstances from an independent tax advisor.