Eliminate worry and anxiety over market volatility by eliminating market risk. Grows tax-free, loans are tax-free and need not be repaid; distributions before or after retirement are tax-free and do not count toward social security threshold income.
This document presents arguments against traditional retirement savings plans like 401(k)s and recommends alternative savings strategies. It claims that 401(k)s are risky and have high fees, and that most Americans do not have adequate savings for retirement. Studies are cited showing poor long-term returns for investors in mutual funds due to market volatility and poor timing of purchases and sales. The document promotes the idea that retirement savings need to be protected from market downturns and provide guaranteed lifetime income. Alternative options like privately run guaranteed retirement accounts are proposed.
The document discusses alternative strategies for financing large purchases and saving for retirement compared to traditional bank loans and qualified retirement plans. It introduces the concept of an "IRC 7702(a) Private Plan", which allows savings to grow tax-free and be withdrawn tax-free, unlike qualified plans. The plan is presented as a way for baby boomers to better plan for retirement outside of the current system, which many have not saved enough through. Contact information is provided to learn more about setting up a private plan.
How to eliminate market risk with the potential to earn up to 15% per year tax-free, have the option to borrow tax-free with no need to repay the loan and take monies out tax-free before or after retirement.
This document discusses retirement planning and alternatives to traditional 401(k)s and IRAs. It argues that 401(k)s have high fees and are a poor investment for retirement. Alternative options presented include index universal life insurance policies that allow tax-free growth and access to funds for retirement income, critical illnesses, or chronic conditions. The document claims these policies provide better returns and guarantees than traditional retirement accounts while avoiding taxes and market risk. Disclosures note that withdrawals are subject to surrender penalties and tax liability.
Many are declaring that 60/40 is a bad mix because bonds are riskier than they have ever been. But stocks are also extremely risky. Add likely inflation to the mix and it's big time scary. We'll discuss what do on 4/20/21 https://www.youtube.com/watch?v=PsKGK7IY9ls
JP Maroney shares an alternative investment strategy called Digital Marketing Arbitrage to individual investors in a presentation called "Digital Black Gold: How to earn double-digit returns in a single-digit economy."
COVID costs of $5.2 trillion are colossal, exceeding the costs of World War II. Watch our 3/23/21 live broadcast at https://www.youtube.com/watch?v=A2Wy3YFr_VQ
This document presents arguments against traditional retirement savings plans like 401(k)s and recommends alternative savings strategies. It claims that 401(k)s are risky and have high fees, and that most Americans do not have adequate savings for retirement. Studies are cited showing poor long-term returns for investors in mutual funds due to market volatility and poor timing of purchases and sales. The document promotes the idea that retirement savings need to be protected from market downturns and provide guaranteed lifetime income. Alternative options like privately run guaranteed retirement accounts are proposed.
The document discusses alternative strategies for financing large purchases and saving for retirement compared to traditional bank loans and qualified retirement plans. It introduces the concept of an "IRC 7702(a) Private Plan", which allows savings to grow tax-free and be withdrawn tax-free, unlike qualified plans. The plan is presented as a way for baby boomers to better plan for retirement outside of the current system, which many have not saved enough through. Contact information is provided to learn more about setting up a private plan.
How to eliminate market risk with the potential to earn up to 15% per year tax-free, have the option to borrow tax-free with no need to repay the loan and take monies out tax-free before or after retirement.
This document discusses retirement planning and alternatives to traditional 401(k)s and IRAs. It argues that 401(k)s have high fees and are a poor investment for retirement. Alternative options presented include index universal life insurance policies that allow tax-free growth and access to funds for retirement income, critical illnesses, or chronic conditions. The document claims these policies provide better returns and guarantees than traditional retirement accounts while avoiding taxes and market risk. Disclosures note that withdrawals are subject to surrender penalties and tax liability.
Many are declaring that 60/40 is a bad mix because bonds are riskier than they have ever been. But stocks are also extremely risky. Add likely inflation to the mix and it's big time scary. We'll discuss what do on 4/20/21 https://www.youtube.com/watch?v=PsKGK7IY9ls
JP Maroney shares an alternative investment strategy called Digital Marketing Arbitrage to individual investors in a presentation called "Digital Black Gold: How to earn double-digit returns in a single-digit economy."
COVID costs of $5.2 trillion are colossal, exceeding the costs of World War II. Watch our 3/23/21 live broadcast at https://www.youtube.com/watch?v=A2Wy3YFr_VQ
Could Traditional Financial Advice Be Outdated?jimkipp
Jim Kipp, a financial strategist, presented on strategies for building and protecting wealth. Traditional advice may be outdated and greatest threats include taxes, inflation, and market risk. Inflation especially undermines savings over time. Safe strategies include asset allocation tailored to each person's age and risk tolerance. Products like fixed indexed annuities can provide upside potential with downside protection. Proper planning is needed to avoid taxes eroding retirement savings and to create generational wealth that passes tax-free. The presentation proposed using a checklist and wealth index survey to help people make better financial decisions.
Endowment Investing (Applied Portfolio Management - March 2019)gooseinoz
The document discusses managing the endowment at the University of Kansas (KU). It provides background on KU's endowment, which stands at $1.5 billion and supports over 6,500 scholarships annually. The three main methods for generating investment returns are discussed as security selection, market timing, and asset allocation, with asset allocation noted as accounting for over 100% of returns. Various asset classes and their historical returns are presented, including alternatives. Principles of endowment investing emphasize holding a diversified portfolio with investments in private markets to increase long-term returns.
For more information contact: emailus@marcusevans.com
Philippe Desfossés delivered his presentation titled "Embracing an Enduring Investment Approach to Thrive in the Long Term" at the European Pensions & Investments Summit 2012.
Join the 2015 Summit along with leading regional pension investors and global asset managers in an intimate environment for a focused discussion of key new drivers shaping institutional investment strategies today.
For more information contact: emailus@marcusevans.com
- The document discusses market opportunities in light of current global economic conditions and asset allocation views.
- Key areas discussed include slowing US job growth, low returns requiring defensive positioning, China's bad bank debts limiting stimulus, a structurally weak South African rand, and weakening support from SA consumers.
- The document identifies opportunities in offshore property and bonds, which are highlighted as almost but not quite favorable. It provides analysis to support positive views on offshore assets and cautious views on local South African exposures.
Tips on Investing for additional income from every sector of your Self Managed Superannuation Fund portfolio. We cover cash, high interest accounts, term deposits, Bonds and Hybrids, Direct Shares, Equity for Income Funds, ETFs both High Yield and Bonds, Commercial Property and International shares. Showing you how to make the most of your SMSF while managing the risk. This is part one of a 2 part series with the second part “Investing for Growth” to follow. Check out our blog at Http://smsfcoach.wordpress.com or follow us on twitter at @SMSFCoach and @NextGenWealth
This document provides information about a workshop on helping women achieve their financial goals through investing. It begins with background on women's increasing roles in the workplace and financial decision making. The workshop agenda covers setting goals, assessing one's current financial situation, paying down debt, saving and investing for goals like retirement and children's education through various tax-advantaged vehicles and asset classes. It emphasizes the importance of getting organized, paying oneself first through automatic savings, and potentially working with a financial advisor.
The document discusses principles of behavioral finance and long-term investing. It notes that investors tend to be overconfident and influenced by short-term gains. Successful long-term investing requires discipline, focusing on asset allocation and diversification, and ignoring short-term noise and market hype. The key is developing a personalized investment policy and sticking to a plan through different market conditions.
The reality is now one of every 9.5 dollars we create through our employment is consigned to pension fund coffers, a 7.9% increase in 2 years. Every dollar lost in ineffective market myths requires we make another 9.5 more to replace it. Sispyhus is no myth, we live it every year. We keep-on having to roll that burden of losses from conventional market myths and their methods. All society must pick-up their slack from those losses. We must bend our knee as a society and push the rock, again and again. The financial industry managers, and politicians at their prompting, just keep telling us to push harder, "Sisyphus, shoulder your rock."
2011 Cabot Investor Conference - Middle Class Expansioncabotmoney
Middle class expansion in emerging markets was presented. Key points included:
1) The emerging market middle class is projected to grow significantly over the next decade, surpassing developed markets, with an estimated $20 trillion in annual spending by 2020.
2) Emerging market consumption is growing rapidly, driven by the middle class, with China and India representing over 60% of the expected $6 trillion in additional consumption from 2010-2013.
3) Emerging markets are transitioning from low-cost exporters to domestic consumer markets, with China now the largest consumer market for automobiles, luxury goods, and internet users globally.
Bo Becker: "Corporate credit and business cycles"Global Utmaning
The document discusses how corporate credit is cyclical and the reasons for this cyclicality. It finds that both demand for and supply of corporate credit vary over the business cycle. On the demand side, firms wish to invest and borrow less during recessions. On the supply side, evidence shows that bank lending varies more over the cycle than bond issuance, indicating banks constrain credit more in downturns. The document also examines how "reaching for yield" behaviors by institutional investors in good economic times can exacerbate this credit cyclicality.
Controlling Shareholders, Managerial Ownership and Firm ValueJon Enqvist
This document examines the relationship between firm value, as measured by Tobin's Q, and the existence of large controlling shareholders and their equity ownership in Swedish firms. It aims to disentangle the negative entrenchment effect of controlling shareholders from the positive incentive effect of their equity ownership on firm value. It also studies how managerial ownership by controlling shareholders who are also CEOs influences this relationship. The author finds that firm value is negatively related to the existence of a controlling shareholder, representing the entrenchment effect, but positively related to the controlling shareholder's equity ownership, representing the incentive effect. These effects are stronger when the controlling shareholder also serves as the CEO of the firm.
This document summarizes a presentation given by John Nicola, Chairman and CEO of NWM, a wealth management firm. Some key points:
- NWM manages $4.7 billion in assets for families, foundations, and trusts. They provide integrated financial advice.
- The presentation discusses tax planning strategies, such as income splitting and the most tax efficient ways to build investment capital.
- It also covers estate planning techniques like alter ego trusts and estate freezes to minimize taxes and probate fees.
- The document outlines NWM's investment philosophy of focusing on after-tax returns and managing risk through diversification across asset classes.
Assistant: Assistant:
Paraplanner Paraplanner Portfolio Manager
Regulation: Regulation: Regulation:
IIROC FP Canada Portfolio Management
Fee: Fee: Fee:
Transaction based Hourly/Fixed/AUM AUM
Focus: Focus: Focus:
Products Planning Advisory
Client: Client: Client:
Mass Affluent Mass Affluent/HNW HNW
Execution Strategies
Lump Sum
- All at once
Dollar Cost Averaging
- Regular intervals over time
Value Averaging
- Buys more shares
Welfare effects of fiscal policy in reforming the pension system - ASSA 2018 ...GRAPE
This document analyzes the welfare effects of fiscal policy reforms to pension systems. It challenges the view that pension system privatization reduces welfare in stochastic frameworks. The authors provide an overview of interactions between pension reforms and fiscal policies, and decompose the overall effect of reforms into changes in insurance and efficiency. Their results show that capital tax increases have the highest welfare gains due to improved efficiency, while progressive taxation has the smallest welfare losses due to maintaining insurance. They also find that reforms can improve welfare and gain political support, depending on the fiscal policies used. Insurance losses from reforms are important but not decisive factors when evaluating privatization.
2018 Market Outlook Presentation - Vancouver Victoria Grady
Strategic decisions for an uncertain future:
John Nicola, Chairman & CEO addresses several issues facing
high net worth families:
• How will the Liberals’ tax changes affect financial planning for Canadians?
• How will inflated prices impact future returns?
• Are there best practices for navigating the current environment?
Rob Edel, Chief Investment Officer provides an investment roadmap for 2018:
• After a record-breaking period for the S&P 500, what signs might indicate an economic downturn?
• What current events could most affect the economy and investment strategy?
• What should one make of bitcoin, marijuana stocks, electric vehicles, and other hot topics for the upcoming year?
NWM Financial Advisor Mark Therriault and NWM CIO Rob Edel examine current events and trends that may impact investors and assess the effectiveness of several wealth management strategies.
On Thursday, May 11, 2017, Nicola Wealth Management hosted their annual Strategic Outlook event featuring presentations by NWM Chairman and CEO John Nicola and Chief Investment Officer Rob Edel.
Does raising minimum wage reduce poverty canada - may 2017paul young cpa, cga
Government is looking at ways to help people. The problem is forcing more rules and regulations will do little to help people as business will always look for ways to reduce cost.
The document summarizes key principles for retirement saving and investing, including that there is no such thing as risk-free investing. It discusses options for withdrawing retirement funds, how today's employees are saving and investing for retirement, and provides homework on comparing retirement fund performance to the top 10 funds. The newsletter aims to provide straightforward retirement planning education and resources.
The document provides an overview of key lessons for investing and building wealth. It recommends starting to invest as early as possible to benefit from the power of compound interest over long periods. It also suggests saving over 20% of income and looking for ways to reduce expenses. For investing, it recommends initially putting money in a low-cost S&P 500 index fund, and later diversifying across asset classes to increase returns while managing risk. The goal is to build a portfolio of assets that generate income over time.
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
Could Traditional Financial Advice Be Outdated?jimkipp
Jim Kipp, a financial strategist, presented on strategies for building and protecting wealth. Traditional advice may be outdated and greatest threats include taxes, inflation, and market risk. Inflation especially undermines savings over time. Safe strategies include asset allocation tailored to each person's age and risk tolerance. Products like fixed indexed annuities can provide upside potential with downside protection. Proper planning is needed to avoid taxes eroding retirement savings and to create generational wealth that passes tax-free. The presentation proposed using a checklist and wealth index survey to help people make better financial decisions.
Endowment Investing (Applied Portfolio Management - March 2019)gooseinoz
The document discusses managing the endowment at the University of Kansas (KU). It provides background on KU's endowment, which stands at $1.5 billion and supports over 6,500 scholarships annually. The three main methods for generating investment returns are discussed as security selection, market timing, and asset allocation, with asset allocation noted as accounting for over 100% of returns. Various asset classes and their historical returns are presented, including alternatives. Principles of endowment investing emphasize holding a diversified portfolio with investments in private markets to increase long-term returns.
For more information contact: emailus@marcusevans.com
Philippe Desfossés delivered his presentation titled "Embracing an Enduring Investment Approach to Thrive in the Long Term" at the European Pensions & Investments Summit 2012.
Join the 2015 Summit along with leading regional pension investors and global asset managers in an intimate environment for a focused discussion of key new drivers shaping institutional investment strategies today.
For more information contact: emailus@marcusevans.com
- The document discusses market opportunities in light of current global economic conditions and asset allocation views.
- Key areas discussed include slowing US job growth, low returns requiring defensive positioning, China's bad bank debts limiting stimulus, a structurally weak South African rand, and weakening support from SA consumers.
- The document identifies opportunities in offshore property and bonds, which are highlighted as almost but not quite favorable. It provides analysis to support positive views on offshore assets and cautious views on local South African exposures.
Tips on Investing for additional income from every sector of your Self Managed Superannuation Fund portfolio. We cover cash, high interest accounts, term deposits, Bonds and Hybrids, Direct Shares, Equity for Income Funds, ETFs both High Yield and Bonds, Commercial Property and International shares. Showing you how to make the most of your SMSF while managing the risk. This is part one of a 2 part series with the second part “Investing for Growth” to follow. Check out our blog at Http://smsfcoach.wordpress.com or follow us on twitter at @SMSFCoach and @NextGenWealth
This document provides information about a workshop on helping women achieve their financial goals through investing. It begins with background on women's increasing roles in the workplace and financial decision making. The workshop agenda covers setting goals, assessing one's current financial situation, paying down debt, saving and investing for goals like retirement and children's education through various tax-advantaged vehicles and asset classes. It emphasizes the importance of getting organized, paying oneself first through automatic savings, and potentially working with a financial advisor.
The document discusses principles of behavioral finance and long-term investing. It notes that investors tend to be overconfident and influenced by short-term gains. Successful long-term investing requires discipline, focusing on asset allocation and diversification, and ignoring short-term noise and market hype. The key is developing a personalized investment policy and sticking to a plan through different market conditions.
The reality is now one of every 9.5 dollars we create through our employment is consigned to pension fund coffers, a 7.9% increase in 2 years. Every dollar lost in ineffective market myths requires we make another 9.5 more to replace it. Sispyhus is no myth, we live it every year. We keep-on having to roll that burden of losses from conventional market myths and their methods. All society must pick-up their slack from those losses. We must bend our knee as a society and push the rock, again and again. The financial industry managers, and politicians at their prompting, just keep telling us to push harder, "Sisyphus, shoulder your rock."
2011 Cabot Investor Conference - Middle Class Expansioncabotmoney
Middle class expansion in emerging markets was presented. Key points included:
1) The emerging market middle class is projected to grow significantly over the next decade, surpassing developed markets, with an estimated $20 trillion in annual spending by 2020.
2) Emerging market consumption is growing rapidly, driven by the middle class, with China and India representing over 60% of the expected $6 trillion in additional consumption from 2010-2013.
3) Emerging markets are transitioning from low-cost exporters to domestic consumer markets, with China now the largest consumer market for automobiles, luxury goods, and internet users globally.
Bo Becker: "Corporate credit and business cycles"Global Utmaning
The document discusses how corporate credit is cyclical and the reasons for this cyclicality. It finds that both demand for and supply of corporate credit vary over the business cycle. On the demand side, firms wish to invest and borrow less during recessions. On the supply side, evidence shows that bank lending varies more over the cycle than bond issuance, indicating banks constrain credit more in downturns. The document also examines how "reaching for yield" behaviors by institutional investors in good economic times can exacerbate this credit cyclicality.
Controlling Shareholders, Managerial Ownership and Firm ValueJon Enqvist
This document examines the relationship between firm value, as measured by Tobin's Q, and the existence of large controlling shareholders and their equity ownership in Swedish firms. It aims to disentangle the negative entrenchment effect of controlling shareholders from the positive incentive effect of their equity ownership on firm value. It also studies how managerial ownership by controlling shareholders who are also CEOs influences this relationship. The author finds that firm value is negatively related to the existence of a controlling shareholder, representing the entrenchment effect, but positively related to the controlling shareholder's equity ownership, representing the incentive effect. These effects are stronger when the controlling shareholder also serves as the CEO of the firm.
This document summarizes a presentation given by John Nicola, Chairman and CEO of NWM, a wealth management firm. Some key points:
- NWM manages $4.7 billion in assets for families, foundations, and trusts. They provide integrated financial advice.
- The presentation discusses tax planning strategies, such as income splitting and the most tax efficient ways to build investment capital.
- It also covers estate planning techniques like alter ego trusts and estate freezes to minimize taxes and probate fees.
- The document outlines NWM's investment philosophy of focusing on after-tax returns and managing risk through diversification across asset classes.
Assistant: Assistant:
Paraplanner Paraplanner Portfolio Manager
Regulation: Regulation: Regulation:
IIROC FP Canada Portfolio Management
Fee: Fee: Fee:
Transaction based Hourly/Fixed/AUM AUM
Focus: Focus: Focus:
Products Planning Advisory
Client: Client: Client:
Mass Affluent Mass Affluent/HNW HNW
Execution Strategies
Lump Sum
- All at once
Dollar Cost Averaging
- Regular intervals over time
Value Averaging
- Buys more shares
Welfare effects of fiscal policy in reforming the pension system - ASSA 2018 ...GRAPE
This document analyzes the welfare effects of fiscal policy reforms to pension systems. It challenges the view that pension system privatization reduces welfare in stochastic frameworks. The authors provide an overview of interactions between pension reforms and fiscal policies, and decompose the overall effect of reforms into changes in insurance and efficiency. Their results show that capital tax increases have the highest welfare gains due to improved efficiency, while progressive taxation has the smallest welfare losses due to maintaining insurance. They also find that reforms can improve welfare and gain political support, depending on the fiscal policies used. Insurance losses from reforms are important but not decisive factors when evaluating privatization.
2018 Market Outlook Presentation - Vancouver Victoria Grady
Strategic decisions for an uncertain future:
John Nicola, Chairman & CEO addresses several issues facing
high net worth families:
• How will the Liberals’ tax changes affect financial planning for Canadians?
• How will inflated prices impact future returns?
• Are there best practices for navigating the current environment?
Rob Edel, Chief Investment Officer provides an investment roadmap for 2018:
• After a record-breaking period for the S&P 500, what signs might indicate an economic downturn?
• What current events could most affect the economy and investment strategy?
• What should one make of bitcoin, marijuana stocks, electric vehicles, and other hot topics for the upcoming year?
NWM Financial Advisor Mark Therriault and NWM CIO Rob Edel examine current events and trends that may impact investors and assess the effectiveness of several wealth management strategies.
On Thursday, May 11, 2017, Nicola Wealth Management hosted their annual Strategic Outlook event featuring presentations by NWM Chairman and CEO John Nicola and Chief Investment Officer Rob Edel.
Does raising minimum wage reduce poverty canada - may 2017paul young cpa, cga
Government is looking at ways to help people. The problem is forcing more rules and regulations will do little to help people as business will always look for ways to reduce cost.
The document summarizes key principles for retirement saving and investing, including that there is no such thing as risk-free investing. It discusses options for withdrawing retirement funds, how today's employees are saving and investing for retirement, and provides homework on comparing retirement fund performance to the top 10 funds. The newsletter aims to provide straightforward retirement planning education and resources.
The document provides an overview of key lessons for investing and building wealth. It recommends starting to invest as early as possible to benefit from the power of compound interest over long periods. It also suggests saving over 20% of income and looking for ways to reduce expenses. For investing, it recommends initially putting money in a low-cost S&P 500 index fund, and later diversifying across asset classes to increase returns while managing risk. The goal is to build a portfolio of assets that generate income over time.
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
Ieul Presentation (September 2008) Seminar (Piggy Bank)David Brown
This document discusses strategies for retirement planning and saving for the future. It notes that Social Security alone will not provide enough income for a comfortable retirement. Indexed universal life insurance is presented as a way to save money that is protected from losses and can earn returns linked to market indexes. The document provides examples of how an indexed universal life policy could generate tax-free retirement income that lasts longer than other savings vehicles and also provides a death benefit. Retirement planning advice includes starting to save early, saving consistently, and using a mix of safe and higher-return investments.
The document discusses the volatility of the stock market and challenges the notion that one should simply hold investments and wait for markets to recover from downturns. It notes that bear markets can last for years, leaving investments stagnant, and advises being flexible and making changes to one's portfolio as conditions change. The document also cautions against relying on averages, as planning withdrawals from investments based on assumed average returns does not account for the impact of losses on the portfolio in down years.
A Target Retirement Income Plan is a nonqualified, supplemental, after-tax executive retirement benefit program that changes the focus from return on investment to certainty of predictable income in retirement.
This is a Sample of a Research Report valued at over $80,000 containing millions of dollars worth of research data that shows why approx 95% of retirement plans FAIL.
The full version is also available at no cost.
Anyone who wants to retire MUST see this valuable information.
You will learn how much is needed to retire, see historic investment returns, why most plans are losing 44% they don't know about, how inflation devastates most plans, where 90% of millionaires made their money and most importantly discover a safe and affordable alternative
Enjoy and more importantly plan wisely for your future!
This document is a newsletter from Q3 2013 that includes the following articles:
- An introduction that looks back at the market recovery since the Great Recession and lessons for investors who stayed invested versus those who withdrew during the downturn.
- An announcement for a holiday party in December 2013.
- An article discussing how dire predictions often don't come true and investors should focus on positive economic factors.
- A piece about managing retirement accounts held outside of the main brokerage to get a full view of clients' finances.
- A section touting the strong economy and job growth in Houston, Texas.
- A brief discussion on whether it's a good time to start investing now rather
The document discusses six common mistakes that retirees make with their finances, including not understanding risks, having the wrong time horizon, failing to understand stocks and fees, and mistakes with RRIFs. It also discusses longevity increasing and aging populations. Later it discusses risks, long term care, and being prepared for the future. Overall it provides information on financial planning issues for retirees.
The document summarizes 7 challenges facing Americans in retirement: 1) Americans are retiring earlier and living longer, 2) the decline of pensions means fewer retirees have guaranteed retirement income, and 3) Social Security faces a shortfall as fewer workers support more retirees. Healthcare costs are rising dramatically and threaten to consume retirees' savings. Inflation erodes purchasing power over time. Many investors underperform markets by frequently buying and selling at the wrong times. Overall, Americans are underprepared for the rising costs and longer lifespans of retirement.
The document discusses the business opportunity available through Synergy Financial Partners. It outlines three categories of people who may be interested in the opportunity - business owners, self-employed/dual career individuals, and clients. It then discusses SFP's mission to change how Americans plan for their financial future and their vision to build the best consumer financial education company. The rest of the document focuses on explaining the problems Americans face financially, how SFP's solutions address these problems, and the business opportunity available through SFP.
This document provides an overview of disability income insurance and why it is important. It discusses how even with group long-term disability insurance and social security, many people would struggle financially if they became too sick or injured to work. Individual disability income insurance can help fill the gaps. The document recommends speaking to a financial professional to understand your risks and how much coverage you may need based on your individual situation. It profiles four example families - singles, young couples, up-and-comers, and 40-somethings - to show how disability insurance needs vary at different life stages.
Disability Income Protection: A Step-by-Step GuideDougIngram
This document provides an overview of disability income insurance. It discusses how disability is common and can last a long time, preventing many Americans from working and maintaining their standard of living without this type of insurance. It encourages readers to calculate their potential income over their career to understand their need to protect it with disability coverage.
The document discusses a company called FFS that provides financial services and products to help families achieve their financial goals. It promotes FFS's business building system as a proven way for leaders to build a successful business. FFS aims to improve families' saving habits through the latest financial concepts and products. The document then outlines several problems facing Americans today such as debt, lack of savings, and retirement issues. It suggests that through FFS's services, families can gain financial security and independence.
The document discusses challenges retirees face with managing their finances, including market volatility, longevity risks, healthcare costs, and inflation. It notes that average healthcare costs for a retiree are around $230,000 and that historically low-risk investments have not kept pace with inflation. The document advocates creating a customized portfolio that includes sources of steady income to outpace inflation and maintain one's standard of living in retirement. It also notes looming issues with Social Security and Medicare funding shortfalls that may require benefit adjustments.
The document discusses 4 future financial trends: 1) Home ownership will become more difficult as interest rates remain low, encouraging higher home prices. 2) Real incomes will continue declining due to globalization, automation, and inflation measurement issues. 3) There will be no secure careers as jobs are replaced by technology like AI. 4) Pension payouts will decline further as retirees withdraw funds while younger generations have to support them and put less into their own pensions. The document provides advice on financial planning to prepare for these trends, such as saving 10% of income each pay period and purchasing insurance to mitigate risks outside one's control.
Want to understand how our population is aging and what it means for you? Want an Action Plan for retirement? Use Abaris' simple tutorial to get answers to these questions and more.
Science has proved it: people today are living longer than ever before. But as average life expectancies have been rising, the mean retirement age has stayed more or less the same. Since 1940 the average life span has gone up about 17 years, now at about age 79, yet the average age of retirement is more or less the exact same, about 65 years old. That leaves a big gap of your life filled without a paycheck, which is why Social Security, pensions and retirement income products are so important.
Despite the importance of Social Security and pension plans, fewer people than ever have pensions today and Social Security rarely covers all of a retiree’s expenses. On average, money received from Social Security only makes up about 42% of an individual’s pre-retirement income. Additionally, Social Security reserves are suffering from underfunding, and are expected to run out by 2033 under current law. Pension plans are great in that they guarantee a lifetime income, but they’re becoming more and more rare. Today, the predominant form of individual retirement savings is in 401(k)s and IRAs. But those plans don’t automatically provide lifetime income, leaving people to struggle with longevity risk: the chance that you live far longer than you expect. If you lead a long healthy life, as you certainly hope to, you’d end up running out of your savings.One solution? Deferred income annuities.
A deferred income annuity is a way of insuring against longevity. You make a payment, or series of payments, to an insurance company. Insurance companies are able to pool risk and use the market for pooling and protection in ways that you can’t on your own. This allows them to pay you an annual income, beginning at some future date, for the rest of your life. Surely stocks tend to yield a greater financial return, but with a deferred income annuity the value is in the guaranteed protection and the peace of mind. Deferred income annuities aren’t right for everyone. If you’re younger than 45, in below average health, most concerned about passing money onto your heirs, able to “self-insure” off the wealth of your investment income, or if you haven’t saved enough and need to keep the money you have in case of emergency then you’re probably not the best fit for a deferred income annuity. But otherwise, you’re looking like a great candidate.
This document summarizes 10 common and costly pension mistakes that many British people make. These mistakes include not saving enough for retirement, delaying saving which reduces the power of compound returns, failing to regularly check pension pots and investments, ignoring fees which can significantly reduce the overall value of a pension, relying too heavily on inheritances to fund retirement, not taking advantage of employer pension contributions, opting out of company pension schemes which forfeits employer matching contributions, assuming the state pension will be sufficient, not using pensions to save tax through tax relief on contributions, and accessing pensions early which incurs penalties. The document stresses that pension mistakes can be very expensive due to the long time horizon over retirement savings have to grow. It provides examples to
Most of the country's retirement savings are held in banks, precious metals, real estate, stocks, and retirement accounts like IRAs and 401(k)s. However, a large percentage of these savings could be lost due to risks, fees, and taxes. Additionally, most consumers do not understand how these three factors—risks, fees, and taxes—affect their retirement accounts. Freedom Equity Group presents an alternative strategy that aims to protect retirement savings from these potential losses.
Similar to Risk-free, Tax-free Retirement Strategy (20)
4. "New Knowledge is the most valuable commodity on earth. The more truth we have to work with, the richer we become." Kurt Vonnegut
5. Just Say “NO!” to a 401(k), 403(b), 457, IRA, SEP or ROTH!
6. Truth #1 IRS Qualified Retirement Savings Plans 403b / 457 / IRA / SEP / 401k Are a Failure!
7. 5 Reasons You Shouldn’tContribute to a 401(k)March 16, 2011 1) If there is no employer match. 2) High Fees. 3) Higher Tax Rate (at withdrawal) in Qualified Plan. 4) Larger Tax Bill at Withdrawal (larger balance). 5) (Likely) Future Tax Rate Increases.
9. “Why It’s Time to Retire the 401(k)” “The ugly truth is that the 401(k) is a lousy idea, a rotten repository for our retirement reserves …”
10. “…The biggest factor in whether the 401(k) works as designed has to do with when you retire. If the market rises that year, you're fine. If you retired last year, you're toast.
11. “…The biggest factor in whether the 401(k) works as designed has to do with when you retire. If the market rises that year, you're fine. If you retired last year, you're toast. And the chances of your becoming a victim of this huge flaw in the 401(k) plan are pretty high.
12. “…The biggest factor in whether the 401(k) works as designed has to do with when you retire. If the market rises that year, you're fine. If you retired last year, you're toast. And the chances of your becoming a victim of this huge flaw in the 401(k) plan are pretty high. The market fell in four of the nine years since the beginning of the decade. That means anyone retiring this decade had a nearly 50% chance of leaving work in a down market.
13. “…The biggest factor in whether the 401(k) works as designed has to do with when you retire. If the market rises that year, you're fine. If you retired last year, you're toast. And the chances of your becoming a victim of this huge flaw in the 401(k) plan are pretty high. The market fell in four of the nine years since the beginning of the decade. That means anyone retiring this decade had a nearly 50% chance of leaving work in a down market. In fact, your chances of retiring into a down market are even greater than that: forced retirements spike in recessions just as the stock market is tanking.”
14. “Guaranteed accounts don't have to be run by the government. The ERISA Industry Committee that represents the nation's largest employers, has proposed a system that would allow individuals the ability to buy a guaranteed retirement account on their own. Some government regulation would be needed, but it would be a ‘Private Plan’ .”
15. “But the policy would beportable. Contribute for 30 years and you would be guaranteed income in retirement, no matter how many employers you worked for.
16. “But the policy would be portable. Contribute for 30 years and you would be guaranteed income in retirement, no matter how many employers you worked for. Combine yourretirement-insurance check with the money you get from Social Security, which can equal as much as 50% of final pay, and presto: you have something approachingretirement security.”
17. “But the policy would be portable. Contribute for 30 years and you would be guaranteed income in retirement, no matter how many employers you worked for. Combine yourretirement-insurance check with the money you get from Social Security, which can equal as much as 50% of final pay, and presto: you have something approachingretirement security.” We need a NEW, Safer way to save for retirement because …
18. * 52% of workers (not including home equity) have savings less than $25,000.
19. * 52% of workers (not including home equity) have savings less than $25,000. * 75% have savings less than $10,000.
20. * 52% of workers (not including home equity) have savings less than $25,000. * 75% have savings less than $10,000. * 36% of those over 55 have saved less than … $10,000!
21.
22. Most Americans will be too poor to retire at 65! Nov. 1, 2009 / Center for Retirement Research at Boston College 51% are at high risk of falling short of having enough money in retirement.
23. Most Americans will be too poor to retire at 65! Nov. 1, 2009 / Center for Retirement Research at Boston College 51% are at high risk of falling short of having enough money in retirement. “The disappearance of pension plans, as well as troubles with the Social Security system, place younger Americans at a higher risk of being unable to hold on to their standards of living during retirement. The cradle-to-the- grave relationship with the employer is severed…
24. Most Americans will be too poor to retire at 65! Nov. 1, 2009 / Center for Retirement Research at Boston College 51% are at high risk of falling short of having enough money in retirement. “The disappearance of pension plans, as well as troubles with the Social Security system, place younger Americans at a higher risk of being unable to hold on to their standards of living during retirement. The cradle-to-the- grave relationship with the employer is severed… Younger people have to be responsible for their own retirement.”
25. Most Americans will be too poor to retire at 65! Nov. 1, 2009 / Center for Retirement Research at Boston College 51% are at high risk of falling short of having enough money in retirement. “The disappearance of pension plans, as well as troubles with the Social Security system, place younger Americans at a higher risk of being unable to hold on to their standards of living during retirement. The cradle-to-the- grave relationship with the employer is severed… Younger people have to be responsible for their own retirement.” “Retiring won’t become impossible, but it will require some thoughtful planning. Many workers will need to save and invest more, reduce debt and work longer to maintain their standard of living in retirement.”
26. Truth #2 Stock Investment Gains – for Investors – are LOUSY!
28. "There are two times when a man shouldn't speculate: when he can't afford it, and when he can." Mark Twain
29. Morningstar & Harvard Business School BCT Study 4000 Mutual Funds 1996-2002 Investor ROI Net Fees = 2.924%
30. Bear Market Losses November 29, 1968 to May 26, 1970 - 36.06% January 11,1973 to October 3, 1974 - 48.20% November 28, 1980 to August 12, 1982 - 27.11% August 25, 1987 to December 4, 1987 - 33.54% March 27, 2000 to July 18, 2002 - 42.29% October 9, 2007 to March 9, 2009 - 56.77%
31. Bear Market Losses November 29, 1968 to May 26, 1970 - 36.06% January 11,1973 to October 3, 1974 - 48.20% November 28, 1980 to August 12, 1982 - 27.11% August 25, 1987 to December 4, 1987 - 33.54% March 27, 2000 to July 18, 2002 - 42.29% October 9, 2007 to March 9, 2009 - 56.77% The Market (since 1946) has an average loss of -33.21% EVERY 6 YEARS!
32. Bear Market Losses November 29, 1968 to May 26, 1970 - 36.06% January 11,1973 to October 3, 1974 - 48.20% November 28, 1980 to August 12, 1982 - 27.11% August 25, 1987 to December 4, 1987 - 33.54% March 27, 2000 to July 18, 2002 - 42.29% October 9, 2007 to March 9, 2009 - 56.77% The Market (since 1946) has an average loss of -33.21% EVERY 6 YEARS! It Takes 22.5 months for the Index to Return to Prior High Value.
33. Is this Anxiety Roller Coaster how you want to live 20 - 30 years of Retirement?
34. Wall Street Always Wins! Even when you lose Wall Street always wins with fees you ALWAYS pay – when the market goes up – AND when it goes down!
36. Morningstar Management Fee [8-17-09]: Average domestic fee is 1.39%. International is 1.56%. Transaction Fee [6-19-09]: This annual fee is 1.64%. For Small Cap Fund it’s 2.80%.
37. Morningstar Management Fee [8-17-09]: Average domestic fee is 1.39%. International is 1.56%. Transaction Fee [6-19-09]: This annual fee is 1.64%. For Small Cap Fund it’s 2.80%. “Vastly more important than expense ratios and no one’s talking about it.” These are in ADDITION to Fund fees. You don’t control a fund’s transaction costs. That’s determined in part by how often the fund manager trades the securities in the fund’s portfolio, and how costly those trades are.
38. Morningstar Management Fee [8-17-09]: Average domestic fee is 1.39%. International is 1.56%. Transaction Fee [6-19-09]: This annual fee is 1.64%. For Small Cap Fund it’s 2.80%. “Vastly more important than expense ratios and no one’s talking about it.” These are in ADDITION to Fund fees. You don’t control a fund’s transaction costs. That’s determined in part by how often the fund manager trades the securities in the fund’s portfolio, and how costly those trades are. The Minimum Average TOTAL Actual Annual Fund Fees = 3.03%!
39. Morningstar Management Fee [8-17-09]: Average domestic fee is 1.39%. International is 1.56%. Transaction Fee [6-19-09]: This annual fee is 1.64%. For Small Cap Fund it’s 2.80%. “Vastly more important than expense ratios and no one’s talking about it.” These are in ADDITION to Fund fees. You don’t control a fund’s transaction costs. That’s determined in part by how often the fund manager trades the securities in the fund’s portfolio, and how costly those trades are. The Minimum Average TOTAL Actual Annual Fund Fees = 3.03%! Investment News ERISA Costs [10-15-09]: “It's fair to say that in many cases the total ERISA (401k) drag is close to about 1% of plan assets.”
40. Morningstar Management Fee [8-17-09]: Average domestic fee is 1.39%. International is 1.56%. Transaction Fee [6-19-09]: This annual fee is 1.64%. For Small Cap Fund it’s 2.80%. “Vastly more important than expense ratios and no one’s talking about it.” These are in ADDITION to Fund fees. You don’t control a fund’s transaction costs. That’s determined in part by how often the fund manager trades the securities in the fund’s portfolio, and how costly those trades are. The Minimum Average TOTAL Actual Annual Fund Fees = 3.03%! Investment News ERISA Costs [10-15-09]: “It's fair to say that in many cases the total ERISA (401k) drag is close to about 1% of plan assets.” Summary: Many plans are in the range of 4% to 5% in TOTAL yearly costs – the worst plans charge even more.After all the fees …
42. Putnam Investments President and Chief Executive Officer Robert L. Reynolds calls for a “ New Generation” of Workplace Savings Plans with Lower Volatility and Lifetime Income Solutions October 1, 2009 “After Market Meltdown, Better Plan Design Needed to Secure Reliable Lifetime Income” “Index funds and other passive investments that track benchmarks are guaranteed to lose value when the markets they track sink.
43. Putnam Investments President and Chief Executive Officer Robert L. Reynolds calls for a “ New Generation” of Workplace Savings Plans with Lower Volatility and Lifetime Income Solutions October 1, 2009 “After Market Meltdown, Better Plan Design Needed to Secure Reliable Lifetime Income” “Index funds and other passive investments that track benchmarks are guaranteed to lose value when the markets they track sink. People in or near retirement are not well served by too-great a concentration of passive (index) investments, thinking they are a protection against a downturn …”
44. “(Retirement) plans should be made much more resistant to market downturns … The next challenge in workplace savings plans will be to offer guidelines, even guardrails, to ensure that worker’s savings are Protected as they reach retirement age.”
46. THE WALL STREET JOURNAL October 15, 2009 The Lost Decade of Stock Investing “Advisers sold us a bill of goods about the lasting value of real estate and stocks.”
47. THE WALL STREET JOURNAL October 15, 2009 The Lost Decade of Stock Investing “Advisers sold us a bill of goods about the lasting value of real estate and stocks.” “If you invested $100 in the S&P 500 at the end of the last decade, you're happy with Dow 10,000 but still hoping for a 34.5% rally before year end -- just to break even.
48. THE WALL STREET JOURNAL October 15, 2009 The Lost Decade of Stock Investing “Advisers sold us a bill of goods about the lasting value of real estate and stocks.” “If you invested $100 in the S&P 500 at the end of the last decade, you're happy with Dow 10,000 but still hoping for a 34.5% rally before year end -- just to break even. You'll need a staggering 72% rally when adjusting for inflation.”
49.
50. “Quantitative Analysis of Investor Behavior” March 9, 2009 DALBAR Study Reveals Carnage forEquity, Bond and Asset Allocation Shareholders The reality is that investors are not rational, and make buy and sell decisions at the worst possible moments.
51. “Quantitative Analysis of Investor Behavior” March 9, 2009 DALBAR Study Reveals Carnage forEquity, Bond and Asset Allocation Shareholders The reality is that investors are not rational, and make buy and sell decisions at the worst possible moments. For the 20 years ended December 31, 2008, equity and asset allocation fund investors had average annual returns of 1.87% and 1.67%, respectively.
52. “Quantitative Analysis of Investor Behavior” March 9, 2009 DALBAR Study Reveals Carnage forEquity, Bond and Asset Allocation Shareholders The reality is that investors are not rational, and make buy and sell decisions at the worst possible moments. For the 20 years ended December 31, 2008, equity and asset allocation fund investors had average annual returns of 1.87% and 1.67%, respectively. The inflation rate averaged 2.89% over that same time period.
54. What About the Future? Market Watch – Wall Street Journal / 12-7-10 ‘10 reasons to shun stocks till banks crash’ “Do not buy stocks. Not for retirement.Not in the coming decade. Don’t. Huge risks.” “Wall Street is a loser. Stocks are Wall Street’s ultimate sucker bet. And it’ll sucker you again. You’ll lose, worse than in the last decade. Wake up before Wall Street banks trigger the next meltdown, igniting mass bankruptcy.”
55. What About the Future? Market Watch – Wall Street Journal / 12-7-10 “Adjusted for inflation, Wall Street has lost 20% of your money in the past decade. Wall Street’s a loser. And, worse, Wall Street will do it again by 2020.”
56. What About the Future? Market Watch – Wall Street Journal / 12-7-10 “Adjusted for inflation, Wall Street has lost 20% of your money in the past decade. Wall Street’s a loser. And, worse, Wall Street will do it again by 2020.” “That’s right: It will lose another 20% of your retirement money.”
57. With Retirement Savings,It’s a Sprint to the Finish 21 January 2011 “What would you do if your financialplanner prescribed the following advice? ‘Save and invest diligently for 30 years,then cross your fingers and pray your investments will double over the lastdecade before you retire’.”
58. With Retirement Savings,It’s a Sprint to the Finish 21 January 2011 “What would you do if your financialplanner prescribed the following advice? ‘Save and invest diligently for 30 years,then cross your fingers and pray your investments will double over the lastdecade before you retire’.” “You might as well go to Las Vegas.”
59. With Retirement Savings,It’s a Sprint to the Finish 21 January 2011 “The problem is that even if you do everything right and save at a respectable rate, you’re still relying on the market to push you to the finish line in the last decade before retirement. Why?
60. With Retirement Savings,It’s a Sprint to the Finish 21 January 2011 “The problem is that even if you do everything right and save at a respectable rate, you’re still relying on the market to push you to the finish line in the last decade before retirement. Why? Reaching your goal is highly dependent on the power of compounding.”
61. With Retirement Savings,It’s a Sprint to the Finish 21 January 2011 “But if you’re dealt a bad set of returns during an extended period of time just before you retire or shortly thereafter, your plan could be thrown wildly off track. Many baby boomers know the feeling all too well, given the stock market’s weak showing during the last decade.”
62. 21 January 2011 “The homestretch before retirement is often the most anxiety-inducing because workers have neither the time nor the financial capacity to recover before they begin taking withdrawals.” “When the bad returns come in the final 10 years, no reasonable amount of savings will make up the shortfall.”
63. LOST DECADE The Stock Market Roller Coaster of 2000 – 2009 left these years known as the “Lost Decade”. . After average costs $1 after 10 years was worth 55 cents!
64. LOST DECADE The Stock Market Roller Coaster of 2000 – 2009 left these years known as the “Lost Decade”. . After average costs $1 after 10 years was worth 55 cents! . The ROI was – 44.96%!
70. August 19,2009 Don't put any more money in your tax-deferred retirement savings “This is heresy in a world where people hate taxes … (but) things have changed in the past year … The old thinking was that you should defer tax bills until ‘you are in a lower bracket at retirement’.
71. August 19,2009 Don't put any more money in your tax-deferred retirement savings “This is heresy in a world where people hate taxes … (but) things have changed in the past year … The old thinking was that you should defer tax bills until ‘you are in a lower bracket at retirement’. Higher bracket is more like it.
72. August 19,2009 Don't put any more money in your tax-deferred retirement savings “This is heresy in a world where people hate taxes … (but) things have changed in the past year … The old thinking was that you should defer tax bills until ‘you are in a lower bracket at retirement’. Higher bracket is more like it. If you are 45 and prosperous, plan on big federal deficits and higher income taxes when you retire in 2031.
73. August 19,2009 Don't put any more money in your tax-deferred retirement savings “This is heresy in a world where people hate taxes … (but) things have changed in the past year … The old thinking was that you should defer tax bills until ‘you are in a lower bracket at retirement’. Higher bracket is more like it. If you are 45 and prosperous, plan on big federal deficits and higher income taxes when you retire in 2031. You might be better off skipping the 401(k).
74. August 19,2009 Don't put any more money in your tax-deferred retirement savings “This is heresy in a world where people hate taxes … (but) things have changed in the past year … The old thinking was that you should defer tax bills until ‘you are in a lower bracket at retirement’. Higher bracket is more like it. If you are 45 and prosperous, plan on big federal deficits and higher income taxes when you retire in 2031. You might be better off skipping the 401(k). Maybe you should pay tax on your salary now!”
76. 2011 Deficit $1.5 Trillion That's 10% GDP / largest since WWII Total National Debt = $14 Trillion
77. 2011 Deficit $1.5 Trillion That's 10% GDP / largest since WWII Total National Debt = $14 Trillion Total with SS & Medicare = 70% GDP
78. 2011 Deficit $1.5 Trillion That's 10% GDP / largest since WWII Total National Debt = $14 Trillion Total with SS & Medicare = 70% GDP With SS, Prescription and Medicare = $60 Trillion+ (to 2084)
79. 2011 Deficit $1.5 Trillion That's 10% GDP / largest since WWII Total National Debt = $14 Trillion Total with SS & Medicare = 70% GDP With SS, Prescription and Medicare = $60 Trillion+ (to 2084) That = $500,000 Each!
82. RECENT High TAX RATES 1944-4594% 1958-64 91% 1965-81 70% 1982-8650% Current 35%
83. RECENT High TAX RATES 1944-4594% 1958-64 91% 1965-81 70% 1982-8650% Current 35% The last time taxes were this low was 1931! (pre Increasing National Debt Era since 1980)
84. RECENT High TAX RATES 1944-4594% 1958-64 91% 1965-81 70% 1982-8650% Current 35% The last time taxes were this low was 1931! (pre Increasing National Debt Era since 1980) The last time the “low” rate was today's 10% was 1941 – 70 years ago!
85. Future Taxes Make 401(k) Less Advantageous November 6, 2009 Since 401(k)s were created in the early 1980s, the general assumption was that a saver would pay lower taxes in retirement, when their income was certain to be lower. So saving pretax dollars and delaying taxes made sense.
86. Future Taxes Make 401(k) Less Advantageous November 6, 2009 Since 401(k)s were created in the early 1980s, the general assumption was that a saver would pay lower taxes in retirement, when their income was certain to be lower. So saving pretax dollars and delaying taxes made sense. Now, particularly for higher earners with the largest 401(k) balances, that assumption is fading as hikes in tax rates seem likely.
87. Future Taxes Make 401(k) Less Advantageous November 6, 2009 Since 401(k)s were created in the early 1980s, the general assumption was that a saver would pay lower taxes in retirement, when their income was certain to be lower. So saving pretax dollars and delaying taxes made sense. Now, particularly for higher earners with the largest 401(k) balances, that assumption is fading as hikes in tax rates seem likely. (Another) problem high earners may face by saving only in a pretax 401(k) is that, years later, large withdrawals could trigger the tax on Social Security.
88. Future Taxes Make 401(k) Less Advantageous November 6, 2009 Since 401(k)s were created in the early 1980s, the general assumption was that a saver would pay lower taxes in retirement, when their income was certain to be lower. So saving pretax dollars and delaying taxes made sense. Now, particularly for higher earners with the largest 401(k) balances, that assumption is fading as hikes in tax rates seem likely. (Another) problem high earners may face by saving only in a pretax 401(k) is that, years later, large withdrawals could trigger the tax on Social Security. (Not deferring taxes) is a good choice for higher earners whose income isn't likely to fall in retirement and for young investors, who will likely see their salaries and taxes increase.
89. / 22 October 2008 "It's Time for Young Voters to Get Mad!" To Voters under 35: "You have a heavily mortgaged future. You'll pay for Social Security and Medicare for aging baby boomers ...
90. / 22 October 2008 "It's Time for Young Voters to Get Mad!" To Voters under 35: "You have a heavily mortgaged future. You'll pay for Social Security and Medicare for aging baby boomers ... the needed federal tax increase might total 50% over the next 25 years."
93. Social Security is going BROKE! 2008 - 65% Rely on SS for 50% of their income!
94. Social Security is going BROKE! 2008 - 65% Rely on SS for 50% of their income! - 33% Rely on SS for 90% of their income!
95. Social Security is going BROKE! 2008 - 65% Rely on SS for 50% of their income! - 33% Rely on SS for 90% of their income! - Accounts for 1/3 of discretionary income for couples earning over $500,000 year!
96. Social Security is going BROKE! 2008 - 65% Rely on SS for 50% of their income! - 33% Rely on SS for 90% of their income! - Accounts for 1/3 of discretionary income for couples earning over $500,000 year! - 1 in 7 Americans receive a check from SS!
97. Social Security is going BROKE! 2008 - 65% Rely on SS for 50% of their income! - 33% Rely on SS for 90% of their income! - Accounts for 1/3 of discretionary income for couples earning over $500,000 year! - 1 in 7 Americans receive a check from SS! - # Workers per Retiree: 1960 = 5 2009 = 3.3 2020 = 2!
99. 2010:SS Outlays exceed Revenues! 2011: - Average Benefit check is $1,177 month! The likely solution say most experts is MORE Taxes!
100. 2010:SS Outlays exceed Revenues! 2011: - Average Benefit check is $1,177 month! - Up to 85% of Benefits are Taxed! The likely solution say most experts is MORE Taxes!
101. 2010:SS Outlays exceed Revenues! 2011: - Average Benefit check is $1,177 month! - Up to 85% of Benefits are Taxed! 2030: Medicare Trust Fund is Broke! The likely solution say most experts is MORE Taxes!
102. 2010:SS Outlays exceed Revenues! 2011: - Average Benefit check is $1,177 month! - Up to 85% of Benefits are Taxed! 2030: Medicare Trust Fund is Broke! 2037: Social Security Trust Fund is Broke! The likely solution say most experts is MORE Taxes!
107. "The Difficulty lies not in the new ideas, but in escaping from the old ones." John Maynard Keynes 20th Century Economist "The General Theory of Employment, Interest and Money"
109. “The solution: a new type of ‘insurance’. Retirement savings, it turns out, are exactly the type of asset we need insurance for.
110. “The solution: a new type of ‘insurance’. Retirement savings, it turns out, are exactly the type of asset we need insurance for. We need insurance to protect against risks we can't predict (when the market collapses) and can't afford to recover from on our own.”
112. With all these benefits, today it is called … "The 'NEW' Asset Class Investment" March 26, 2008 "This is a safe bet, long term investment with high interest, almost no volatility and liquid.
113. With all these benefits, today it is called … "The 'NEW' Asset Class Investment" March 26, 2008 "This is a safe bet, long term investment with high interest, almost no volatility and liquid. You do not have to die to enjoy these returns (and) it can work like a Roth ...
114. “It’s dramatic advantage is that you pay no tax on the gains ever, and you can spend them while you are alive tax free.”
122. April 2009 Myth. Life Insurance is not a good investment. “This canard spread as 401(k)s and IRA's supplanted Life Insurance as Americans' most popular ways to build Savings while deferring taxes. But two factors point to a revival of Life insurance as an investment:
123. April 2009 Myth. Life Insurance is not a good investment. “This canard spread as 401(k)s and IRA's supplanted Life Insurance as Americans' most popular ways to build Savings while deferring taxes. But two factors point to a revival of Life insurance as an investment: One is guaranteed credits on cash values, which means if you pay the premiums, you cannot lose money unless the company fails. (The other is if you are over 65, you can often sell it for several times its cash value)!”
124. April 2009 Myth. Life Insurance is not a good investment. “This canard spread as 401(k)s and IRA's supplanted Life Insurance as Americans' most popular ways to build Savings while deferring taxes. But two factors point to a revival of Life insurance as an investment: One is guaranteed credits on cash values, which means if you pay the premiums, you cannot lose money unless the company fails. (The other is if you are over 65, you can often sell it for several times its cash value)!” TRUTH: “A good investment is one in which you put money away now and have more later. Checked your 401(k) lately?”
125. BUT this is NOT your Grandparents Life Insurance!
127. Returns can be LINKED to the S&P 500 (or other index) You are NOT INthe stock market!
128. Returns can be LINKED to the S&P 500 (or other index) You are NOT INthe stock market! This means you KEEP ALL Annual gains!
129. Your Principal and Gains CANNOT go down in value because of the market -- they can only goUP!
130. Juicing Your Life Insurance 5 June 2010 This year's hottest life-insurance product is well-suited to an era of sudden "flash crashes" and overall uncertainty: It appeals to people eager to capture stock-market gainswhile avoiding undue risk. The product (is) "indexed universal life”.
131. Juicing Your Life Insurance 5 June 2010 The twist in these new policies is the use of a stock-market index to help determine the interest rate for the cash-value account. In many versions, insurers link to the Standard & Poor's 500-stock index, but cap the annual interest rate …
132. Juicing Your Life Insurance 5 June 2010 The twist in these new policies is the use of a stock-market index to help determine the interest rate for the cash-value account. In many versions, insurers link to the Standard & Poor's 500-stock index, but cap the annual interest rate … For downside protection, some policies promise a minimum interest rate of as much as 2%, even in losing years for stocks, while others simply protect against losses.
133. Juicing Your Life Insurance 5 June 2010 The product "resonates with people" says the chief actuary (for one co.). “It has a guarantee so people can sleep at night, and it has upside potential”.
135. How well can this 'solution' work? Hypothetical Past 20 years to 12/31/10 (Age 40 to 59) Based on ACTUAL S&P 500 Index gains using Current Crediting Formula & Expenses (including zero gain years) 7 – 8% NET per year!
136. This is Indexed Life! THE Retirement Savings Investment for the Future!
137. Thanks to IRS IRC: 7702(a) Indexed Universal Life (IUL) is the ONLYInvestment approved by Congress and the IRS to provide youALLof these Benefits and Features ...
140. Putnam Investment Retirement Survey 2005 “A majority of retirees said their BIGGEST MISTAKE in planning for Retirement was failing to invest in TAX FREE Accounts.”
141. Putnam Investment Retirement Survey 2005 “A majority of retirees said their BIGGEST MISTAKE in planning for Retirement was failing to invest in TAX FREE Accounts.” With Indexed Life …
142. ...it's OTHER dramatic advantage is that you pay NO tax on the gains ever – Your Retirement Income is Tax Free!
143. 7 - 8% IUL NET 1991-2010 vs. DALBAR Report 20 Year Investor Behavior to 2010 4-1-11
144. 7 - 8% IUL NET 1991-2010 vs. DALBAR Report 20 Year Investor Behavior to 2010 4-1-11 "Market" S&P 500 = 9.14% gross
145. 7 - 8% IUL NET 1991-2010 vs. DALBAR Report 20 Year Investor Behavior to 2010 4-1-11 "Market" S&P 500 = 9.14% gross NET Investor ROI =3.83% ACTUAL!
146. 7 - 8% IUL NET 1991-2010 vs. DALBAR Report 20 Year Investor Behavior to 2010 4-1-11 "Market" S&P 500 = 9.14% gross NET Investor ROI =3.83% ACTUAL! RESULT: 20 Year IUL Net > Market!
147. Indexed Life also does NOT have the Restrictive Qualified Plan Contribution, Access and Loan Rules!
149. 403b/457/401kIUL Contribution Limit $16,500 NONE Pre 59.5 Penalty 10% Federal NONE PlusState
150. 403b/457/401kIUL Contribution Limit $16,500 NONE Pre 59.5 Penalty 10% Federal NONE PlusState Mandatory Distribution 70.5 NONE
151. 403b/457/401kIUL Contribution Limit $16,500 NONE Pre 59.5 Penalty 10% Federal NONE PlusState Mandatory Distribution 70.5 NONE Accelerated Terminal noto $1 million Illness Advance
155. Plan LOAN403b/457/401kIUL Amount 50% to $50kNO Limit Loan Repayment mandatoryOptional Quit/Fired/Co. 'broke' 90 days N/A repay in full Late with payment 30 day grace N/A orALLTaxable
156. Indexed Life also includes: LifetimeLife Insurance (may guarantee Retirement Plan completion for Survivor Spouse)
157. The Life Insurance can also be used for PENSION MAX to Increase Your Pension Income $hundreds or $thousands per month! Popular for Teacher & Government Pension Plans: STRS [State Teachers Retirement System] PERS [Public Employees Retirement System]
159. Accelerated “Living” Benefit With 1 or 2 year terminal diagnosis up to $1 million Advance Benefit! Money can be used for ANYpurpose - including treatment that could SAVE YOUR LIFE!
160. With Indexed Life You can also … Be Your OWN Banker! (Great Financial Strategy for those in their 20's & 30's!) You can use your savings to finance your life while on your journey to retirement!
161. AND Finance Your Retirement TOO While You D0! Age 40 Save $1,000 Month to Age 65
162. AND Finance Your Retirement TOO While You D0! Age 65 Cash Value = $857,000
163. AND Finance Your Retirement TOO While You D0! Age 65 Cash Value = $857,000 Tax Free Retirement Income = $50,000 Yr!
164. AND Finance Your Retirement TOO While You D0! Age 65 Cash Value = $857,000 Tax Free Retirement Income = $50,000 Yr! Age 85 Cash Value = $2,229,000!
165. AND Finance Your Retirement TOO While You D0! Age 65 Cash Value = $857,000 Tax Free Retirement Income = $50,000 Yr! Age 85 Cash Value = $2,229,000! (Or give Yourself a Raise!)
166. The BEST COLLEGE SAVINGS Plan! * Can take out “Tuition” Tax/Penalty Free!
167. The BEST COLLEGE SAVINGS Plan! * Can take out “Tuition” Tax/Penalty Free! * NOT included in college aid formulas!
168. The BEST COLLEGE SAVINGS Plan! * Can take out “Tuition” Tax/Penalty Free! * NOT included in college aid formulas! * CV Remains the Parents Savings!
169. The BEST COLLEGE SAVINGS Plan! * Can take out “Tuition” Tax/Penalty Free! * NOT included in college aid formulas! * CV Remains the Parents Savings! * Balance can continue to grow to provide Tax FREE Retirement Income!
170. The BEST COLLEGE SAVINGS Plan! * Can take out “Tuition” Tax/Penalty Free! * NOT included in college aid formulas! * CV Remains the Parents Savings! * Balance can continue to grow to provide Tax FREE Retirement Income! * Life Insurance on Parent to guarantee College paid for if premature death.
172. BONUS! TheTax Free Income from Indexed Life (unlike Municipal Bonds and Qualified Savings withdrawals)
173. BONUS! TheTax Free Income from Indexed Life (unlike Municipal Bonds and Qualified Savings withdrawals) isNOTincluded in the formula to tax up to 85% of your Social Security!
174. BONUS! TheTax Free Income from Indexed Life (unlike Municipal Bonds and Qualified Savings withdrawals) isNOTincluded in the formula to tax up to 85% of your Social Security! An IUL plan may be the easiest, 'cheapest' and BEST way to Save for Retirement AND Avoid this Tax!
175. November 2007 BEST ALL-AROUND RETIREMENT ACCOUNT is the Roth IRA: “There's no up-front tax break [IUL], but decades of tax-free growth [IUL], plus tax-free income in retirement [IUL].”
176. November 2007 BEST ALL-AROUND RETIREMENT ACCOUNT is the Roth IRA: “There's no up-front tax break [IUL], but decades of tax-free growth [IUL], plus tax-free income in retirement [IUL].” Why Stop There?! Even BETTER is ...
177. An IUL "SUPER ROTH"! Unlikea Roth ... * NO Contribution Limits.
178. An IUL "SUPER ROTH"! Unlikea Roth ... * NO Contribution Limits. * NO Income Restrictions.
179. An IUL "SUPER ROTH"! Unlikea Roth ... * NO Contribution Limits. * NO Income Restrictions. * Includes Hundreds of Thousands $'s (or more) in Life Insurance from Day 1 [NOT Allowed in Roth! Use it to Pension Max!]
180. An IUL "SUPER ROTH"! Unlikea Roth ... * NO Contribution Limits. * NOIncome Restrictions. * Includes Hundreds of Thousands $'s (or more) in Life Insurance from Day 1 [NOT Allowed in Roth! Use it to Pension Max!] * NOIRS or State Penalties for pre 59.5 access to gains.
182. * NO 5 Year wait for Tax Free Access! * Loans Allowed(payments not required!) Can USE the savings to ...
183. * NO 5 Year wait for Tax Free Access! * Loans Allowed(payments not required!) Can USE the savings to ... * Be Your "Own Banker"!
184. * NO 5 Year wait for Tax Free Access! * Loans Allowed(payments not required!) Can USE the savings to ... * Be Your "Own Banker"! * Children (or Grandchildren's) College Fund!
185. * NO 5 Year wait for Tax Free Access! * Loans Allowed(payments not required!) Can USE the savings to ... * Be Your "Own Banker"! * Children (or Grandchildren's) College Fund! * Tax Benefits Grandfathered ... so NO Tax Change Risk!
186. * NO 5 Year wait for Tax Free Access! * Loans Allowed(payments not required!) Can USE the savings to ... * Be Your "Own Banker"! * Children (or Grandchildren's) College Fund! * Tax Benefits Grandfathered ... so NO Tax Change Risk! * NO MARKET RISK – You KEEP the Gains!
187. * NO 5 Year wait for Tax Free Access! * Loans Allowed(payments not required!) Can USE the savings to ... * Be Your "Own Banker"! * Children (or Grandchildren's) College Fund! * Tax Benefits Grandfathered ... so NO Tax Change Risk! * NO MARKET RISK – You KEEP the Gains! Roth OR IUL "Super Roth"?IUL!
188. In case you were wondering, many of the companies who offer IUL are among the oldest (over 100 to 150 years old), most stable, best rated, AND largest financial services companies in the world!
189. In case you were wondering, many of the companies who offer IUL are among the oldest (over 100 to 150 years old), most stable, best rated, AND largest financial services companies in the world! [Checks from Ins. Co.’s are a major reason why many survived the Great Depression!]
192. NET CASH VALUE – Saving Stage [NET Fees, Pre 59.5 Penalties and Taxes] Age 45 PNT / Save $1,000 mo. for 20 years [Average Past 25, Thirty Year Periods (since 1953)] YearQualifiedIUL 5 60,918 57,747 6 74,989 74,913 10 138,667 164,919 15 271,882 324,799 20 416,619 569,405
193. NET Retirement - Income Stage Starting Age 66 / 35% MTR (pre/post retirement) YearQualifiedIUL (66) 21 54,000 54,000 NET 25 54,000 54,000
194. NET Retirement - Income Stage Starting Age 66 / 35% MTR (pre/post retirement) YearQualifiedIUL (66) 21 54,000 54,000 NET 25 54,000 54,000 30 BROKE!54,000 40 054,000 45 054,000 50 054,000 (100) 55 054,000
196. What IF the Stock Market / S&P “Tanks” for Years in a Row? 10 Year S&P 500 IUL GainsNO Cap 16% Cap (per year)Actual100% PR* 1983 5.06% 7.45% 1982 1.40% 5.97% 1981 2.86% 6.59% 1980 3.87% 7.17% 19791.34%6.10% Past 5 Yrs 2.91% 6.65% 1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974-0.31%5.17% Past 10 Yrs 1.86% 6.20% * Participation Rate
197. What IF the Stock Market / S&P “Tanks” for Years in a Row? The average 10 year gain of the S&P in an IUL the past 65 years is 9.05%. [18% historical average cap] 10 Year S&P 500 IUL GainsNO Cap 16% Cap (per year)Actual100% PR* 1983 5.06% 7.45% 1982 1.40% 5.97% 1981 2.86% 6.59% 1980 3.87% 7.17% 19791.34%6.10% Past 5 Yrs 2.91% 6.65% 1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974-0.31%5.17% Past 10 Yrs 1.86% 6.20% * Participation Rate
198. What IF the Stock Market / S&P “Tanks” for Years in a Row? The average 10 year gain of the S&P in an IUL the past 65 years is 9.05%. [18% historical average cap] The worst stretch during that time was 1974 to 1983 when the S&P 10 year gains averaged 1.86% per yr. 10 Year S&P 500 IUL GainsNO Cap 16% Cap (per year)Actual100% PR* 1983 5.06% 7.45% 1982 1.40% 5.97% 1981 2.86% 6.59% 1980 3.87% 7.17% 19791.34%6.10% Past 5 Yrs 2.91% 6.65% 1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974-0.31%5.17% Past 10 Yrs 1.86% 6.20% * Participation Rate
199. What IF the Stock Market / S&P “Tanks” for Years in a Row? The average 10 year gain of the S&P in an IUL the past 65 years is 9.05%. [18% historical average cap] The worst stretch during that time was 1974 to 1983 when the S&P 10 year gains averaged 1.86% per yr. But at an average (low) cap of 16% IUL would of averaged 6.20% per year – a gain that is 233% MORE! 10 Year S&P 500 IUL GainsNO Cap 16% Cap (per year)Actual100% PR* 1983 5.06% 7.45% 1982 1.40% 5.97% 1981 2.86% 6.59% 1980 3.87% 7.17% 19791.34%6.10% Past 5 Yrs 2.91% 6.65% 1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974-0.31%5.17% Past 10 Yrs 1.86% 6.20% * Participation Rate
200. What IF the Stock Market / S&P “Tanks” for Years in a Row? The average 10 year gain of the S&P in an IUL the past 65 years is 9.05%. [18% historical average cap] The worst stretch during that time was 1974 to 1983 when the S&P 10 year gains averaged 1.86% per yr. But at an average (low) cap of 16% IUL would of averaged 6.20% per year – a gain that is 233% MORE! This is because IUL KEEPS its prior annual gains so when the market goes up again it BUILDS on those gains instead of having to recover 1st! 10 Year S&P 500 IUL GainsNO Cap 16% Cap (per year)Actual100% PR* 1983 5.06% 7.45% 1982 1.40% 5.97% 1981 2.86% 6.59% 1980 3.87% 7.17% 19791.34%6.10% Past 5 Yrs 2.91% 6.65% 1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974-0.31%5.17% Past 10 Yrs 1.86% 6.20% * Participation Rate
201. What IF the Stock Market / S&P “Tanks” for Years in a Row? The average 10 year gain of the S&P in an IUL the past 65 years is 9.05%. [18% historical average cap] The worst stretch during that time was 1974 to 1983 when the S&P 10 year gains averaged 1.86% per yr. But at an average (low) cap of 16% IUL would of averaged 6.20% per year – a gain that is 233% MORE! This is because IUL KEEPS its prior annual gains so when the market goes up again it BUILDS on those gains instead of having to recover 1st! Indexed Life = Retirement Security! 10 Year S&P 500 IUL GainsNO Cap 16% Cap (per year)Actual100% PR* 1983 5.06% 7.45% 1982 1.40% 5.97% 1981 2.86% 6.59% 1980 3.87% 7.17% 19791.34%6.10% Past 5 Yrs 2.91% 6.65% 1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974-0.31%5.17% Past 10 Yrs 1.86% 6.20% * Participation Rate
203. Retirement: Secure Pension = Better Sleep November 2, 2009 Study of 14,714 participants over 16 years found a sharp decrease in sleep disturbances in financially secure retirees. “Where there is no proper pension level to guarantee financial security beyond working age, retirement may be followed by severe stress disturbing sleep even more than before retirement.”
216. Indexed Life Private Plan Is it Right for You? If you are saving in a 401k, 403b, 457, SEP, Roth or IRA the answer is likely YES!
217. Indexed Life Private Plan Is it Right for You? If you are saving in a 401k, 403b, 457, SEP, Roth or IRA the answer is likely YES! Let us help you answer that question and show you the difference in Pre Retirement and Retirement Benefits and Income!
218. Many Retirees Cannot Meet Basic Needs! Brandeis University Study / February 2009 "78% of retiring Americans may not be able to meet basic expenses for the remainder of their lives, ...
219. Many Retirees Cannot Meet Basic Needs! Brandeis University Study / February 2009 "78% of retiring Americans may not be able to meet basic expenses for the remainder of their lives, ... ...today 1/3 have no money left over after meeting essential expenses,...
220. Many Retirees Cannot Meet Basic Needs! Brandeis University Study / February 2009 "78% of retiring Americans may not be able to meet basic expenses for the remainder of their lives, ... ...today 1/3 have no money left over after meeting essential expenses,... and younger people may be facing an even bleaker financial future for their retirement years.”
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224. YOU HAVE A CHOICE! DON'T Become a Casualty of the Looming Boomer Retirement (& TAX) Catastrophe!
225. YOU HAVE A CHOICE! DON'T Become a Casualty of the Looming Boomer Retirement (& TAX) Catastrophe! It IS time to Save a SMARTER, BETTER Way!
226. YOU HAVE A CHOICE! DON'T Become a Casualty of the Looming Boomer Retirement (& TAX) Catastrophe! It IS time to Save a SMARTER, BETTER Way! TAX FREE Indexed Life!
228. "Even if you're on the right track, You'll get run over if you just sit there." Will Rogers
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230. The Time is NOW toSave a BETTER Way! Jerry Stonehouse 781 749 3019 jstonehous@earthlink.net Hingham MA
Editor's Notes
You have a choice! Between the “Real” Stock Market for your retirement savings. Or you can have “the stock market they sell you” – but ONLY with Indexed Life.