Learn about the Roth IRA on steroids, has all the benefits but none of the rules of a Roth IRA. Your money goes up with the market but NEVER loses!

1. The Swiss Army Knife
OF RETIREMENT SAVINGS

2. Tax Advantages
THE SWISS ARMY KNIFE
OF RETIREMENT SAVINGS

3. SEED? HARVEST?OR THE
WOULD YOU RATHER PAY TAX ON THE
SEED?
You spend $1,000 on the
seed (pre-tax), but later pay 8%
tax on your $50,000 harvest.
($4,000)
You spend $1,000
on the seed PLUS 8% sales tax
($80), but later reap the entire
$50,000 harvest tax-free.

4. THE SWISS ARMY KNIFE
OF RETIREMENT SAVINGS
• Funded with after-tax $$$ (pay on the seed, not the harvest!)
• Grows tax-deferred
• Can be designed to provide a tax-free income stream in retirement!
Much like a ROTH IRA – without all
the contribution limits!
TAX ADVANTAGES

5. Upside Potential,
Downside Protection
THE SWISS ARMY KNIFE
OF RETIREMENT SAVINGS

6. Upside Potential, Downside Protection
What if there were a better way?
That’s the problem with
losing money in the market –
you have to make up for it!-50%
+50%
?
$1,000
$500
$750

7. Floor / Ceiling Concept
(aka the Indexed Strategy)
When the market goes up…
• You participate in the gains
up to the “ceiling”
• The ceiling is generally set
at or around 12%
When the market goes down…
• Your account sits safely on
the sidelines – 0% “floor” is
the worst you can do
• “Zero is your Hero”!

8. 100k in Y2K - Actual vs. Indexed
(S&P 500)
YEAR ACTUAL
RETURN
ACTUAL
BALANCE
INDEXED
RETURN
INDEXED
BALANCE
2000 -9.10 $90,900 0.00 $100,000
2001 -11.89 $80,092 0.00 $100,000
2002 -22.10 $62,392 0.00 $100,000
2003 28.68 $80,286 12.50 $112,500
2004 10.88 $89,021 10.88 $124,740
2005 4.91 $93,391 4.91 $130,864
2006 15.79 $108,137 12.50 $147,222
2007 5.49 $114,073 5.49 $155,304
YEAR ACTUAL
RETURN
ACTUAL
BALANCE
INDEXED
RETURN
INDEXED
BALANCE
2008 -37.00 $71,866 0.00 $155,304
2009 26.46 $90,881 12.50 $174,717
2010 15.06 $104,568 12.50 $196,556
2011 2.11 $106,774 2.11 $200,703
2012 16.00 $123,858 12.50 $225,790
2013 32.39 $163,976 12.50 $254,013
2014 13.69 $186,424 12.50 $285,764
2015 1.38 $188,997 1.38 $289,707
S&P drops 37%
Actual Balance drops from $114,073
to $71,866 (a loss of $42,207)
Capped Balance loses NOTHING
S&P recovers 26.46%
Actual Balance gains $19,015
Capped Balance rises “only” 12.5%
but gains $19,413

9. Bonus Benefits!
THE SWISS ARMY KNIFE
OF RETIREMENT SAVINGS

10. THE SWISS ARMY KNIFE
OF RETIREMENT SAVINGS
Self Completing if
you pass away
(Death Benefit)
Access to crucial
money if you get
sick or hurt
(Living Benefits)
1 2
Bonus Benefits!

11. THE SWISS ARMY KNIFE
OF RETIREMENT SAVINGS
1. Tax Advantages
2. Upside Potential,
Downside Protection
3. Bonus Benefits!
Let’s see what it can do for you!