This document discusses strategies for building long-term wealth through maximizing cash flows, including utilizing financial leverage through tools like mortgages and loans, maximizing assets and investments, and minimizing liabilities and taxes through strategies such as tax shelters, retirement plans, and municipal bonds. The overall agenda focuses on these core strategies to help maximize wealth over the long term.

1. Secrets of the RichBuilding Long-Term Wealth by Maximizing Cash Flows

2. AgendaUtilizing Financial LeverageMaximizing Assets & InvestmentsMinimizing Liabilities & Taxes

3. AgendaUtilizing Financial LeverageMaximizing Assets & InvestmentsMinimizing Liabilities & Taxes

4. AgendaUtilizing Financial LeverageMaximizing Assets & InvestmentsMinimizing Liabilities & Taxes

5. AgendaUtilizing Financial LeverageMaximizing Assets & InvestmentsMinimizing Liabilities & Taxes

6. Financial LeverageFamilyWealth Maximization ToolsMortgagesLoansMarginal Investing

7. Leveraging Investments

8. Spread Profits

9. Eliminating Idiosyncratic Risk

10. Leveraging Example

11. Better Leveraging Optionshttp://www.tdwaterhouse.ca/rates.jsp http://www.investrade.com/margin-rates.htm

12. Household Saving Rates*China’s annual HSR has increased from 20% (2000) to 39.7% (2009)econ365.files.wordpress.com/2008/10/gross-savings-rate.pdf

13. Typical Household Budget

14. Household Budget of the Wealthy

15. Effective Tax Rates of the Rich

16. Minimizing Cash OutflowsTax SheltersRetirement PlansFlow-through shares/LP’sMuni’s

17. Tax Example: Teresa Heinz Kerry*Based on 2003 Income and 2003 Federal Tax Rate Schedule

19. Questions?