Lisa Brugman presented on women and investing. She discussed investment basics like stocks, bonds, mutual funds and annuities. Her presentation emphasized that women should save 12% annually starting as early as possible to build a retirement fund. She also stressed the importance of having an emergency fund, proper insurance, and speaking to a financial advisor to plan goals and dreams. Smart women can finish rich by paying themselves first and taking advantage of tax-advantaged retirement accounts and the power of compound interest over time.

1. Women and Investing
Smart Women
Finish Rich
Presented by
Lisa Marie Brugman
CA Insurance License # 0C97144
Insurance Agent for
Advisors Wealth Management, Inc.
New York Life Insurance
Registered Representative
Owner, Financial Advisor
for NYLIFE Securities, LLC.
Rep/Agent # 084584
Securities offered through NYLIFE Securities, LLC.
Member FinRA, SIPC
Blue Coast Financial Advisor
Independent Owner

2. Agenda:
 Investment Basics
 Why be in the Market
 Smart Women Finish Rich

3. Investment Basics
 Stocks
 Bonds
 Mutual Funds
 Annuities

4. Stocks
 Stocks are ownership
 A Corporation issues stock
 When an investor purchases stock, she becomes
part owner of the corporation.
 Stocks as an investment
 An investor purchases a share of stock; the
price of the share increases; the investor sells it.
I.e. –You buy a share of Disney at $3 /share and
then sell it for $8 /share; You made $5 /share.
 This is Capital Appreciation; Buy low Sell high
 An investor holds her shares; the Corporation
declares a profit and distributes a portion to the
share holders, (investors).
 When profits are distributed by a corporation;
it is called a dividend.

5. Bonds
 Bonds are loans (or debt)
 The government, its agencies, or municipalities
can issue bonds.
 Corporations can issue bonds.
 If a corporation wants to raise capital, and it doesn’t want to
issue more stock, it may make a bond offering.
 A bond offering may be $1000 bond at a fixed rate,
due in a set number of years.
I.e. XYZ Co. -$1000, 6% due in 10 years
-An investor purchases a bond for $1000; she will
receive interest payments of 6% each year; in 10 years,
the investor can cash in her bond for her $1000 investment.
 The investors lets XYZ Co. “borrow” $1000 for a
10 year period. In return the investor will receive income
of 6% a year during that time period.

6. Stocks
&
Bonds
Why should you invest in stocks and bonds?
Over the long run, stock and bond investments have
out-paced inflation.
In a portfolio, stocks provide growth and a hedge against
inflation; bonds provide stability and income.
An accurate assessment of your goals, needs, time
frames, and risk tolerances are needed to develop
the best investment strategy and create the right
portfolio balance of stock and bond investments.

7. Other Investments:
Mutual Funds
A mutual fund is a pooling of investor dollars to purchase
stocks, bonds, or both in a portfolio to meet a specified
investment goal.
An investor can invest a fixed amount each month; as little
as $25 per month.
MFs can help diversify your investment portfolio,
- a typical fund holds an average of 125 companies1.
Convenience
Monthly or quarterly statements
Automatic reinvestment
There are over $7 trillion invested in the stock market through
Mutual Funds2.
1Morningstar
2Investment Company Institute

8. Other Investments:
Annuities
Are an Insurance Company Product
Fixed Annuities
A contract between an annuitant (investor owner) and an
insurance company for a specific rate of return on an
investment made.
This investment is guaranteed not to lose the investment.
Variable Annuities
A contract between an annuitant and an insurance company
The investment can be made in fixed accounts or variable
sub-accounts.
A sub-account is a pooling of investor dollars to purchase
stocks, bonds, or both in a portfolio to meet a specified
investment goal.
This investment in NOT guaranteed. The investments
results depend on the performance of the sub-accounts.

9. Why
“Smart Women Finish Rich ” TM
Based on the Best selling book by
David Bach, Broadway Books, 1999
 How to Live Rich
 How to Finish Rich

10. Agenda:
 The Good News
 The Not-So-Good News
 The Seven Steps to Living
and Finishing Rich

11. The Good News:
 Women own 9.2 million businesses.
 42% of households with assets greater than $600,000 are
headed by women.
 Women earn $1 trillion dollars a year.
 Women have out performed male investors 9 out of the
last 12 years
Source: National Foundation of Women Business Owners, 1999. Commonwealth Business Review, March 1999. Bureau of Labor
Statistics, 1995, National Association of Investors, 1996.

12. The Not-So-Good News:
 Women live 7 years longer than men.
 The average age of widowhood is 56.
 25% of all widows go through their husband’s death
benefits in 2 months.
 One in two marriages end in divorce.
 Women are out of the labor force an average of 11 ½
years for child rearing.
Source: Business Week 01/00, Shelby White – What Every Woman Should Know about Her Husband’s Money,
Investment Company Institute.

13. The Seven Steps to Living
and Finishing Rich:
 Step One: Learn to Earn.
Step Two: Put your Money Where your Values are.
Step Three: Figure out Where you stand Financially.
Step Four: Build your Retirement Basket.
Step Five: Use the Power of the “Starbucks” factor.
Step Six: Build your Security Basket.
Step Seven: Build your Dream Basket.
Based on the Best selling book by David Bach, Broadway Books, 1999

14. Step One: Learn to Earn
 Take a class
 Learn one thing about money every day
 Read two investment books this year
Step Two: Put Your Money Where Your Values Are
Example of Goals: Example of Values:
 Tangible things or  Intangible desires.
experiences. Has a price No price tag.
tag. -i.e. making a difference
-i.e. pay down debt; buy in your community;
a house; travel freedom; security
 Figure out what is important to you about money.
 Why is it important?

15. Look at your Check Book. Are YOU
Living Expensively or Living Rich
Leased car Making a Difference
New Clothes, monthly Helping Others
Entertainment, weekly Don’t rush/ Have a Life
Cell phone(s) Feeling calm/ Happy/ Satisfied
Laundry service More time for Family
Work to make more Money More time for Friends
Never enough time Financial Freedom & Security
 How can you change your current expense
habits so that you can live Rich?

16. You must set Goals to help make your Values Real.
They must be written down.
Make them “SMAC”
 S – Specific
What are the details?
How much will it cost?
How much time will it take?
 M- Measurable
How will you measure progress?
What check points will you set up?
 A- Achievable
Who will hold you accountable?
Challenges? How will you overcome them?
 C- Compatible
Complete the “SMAC’ goals
What does it help you accomplish? worksheet from the Appendix

17. Step Three: Figure out Where you Stand Financially
 Do the “Find your Stuff” Worksheet
 Do the Financial Inventory Worksheet
Worksheets in the Appendix

18. Step Four: Build Your Retirement Basket
What is the single most effective thing you can do to help
yourself become a millionaire?
PAY YOURSELF FIRST!
How much should you save?
Men should save - 10%
Women should save - 12%

19. Building a Substantial Nest Egg
How You Could Potentially Build $1,000,000 by age 65 (10% Annual Interest)
Age Daily Savings Rate Yearly Savings
20 $4.00 $1,440
30 $11.00 $3,960
40 $30.00 $10,800
50 $95.00 $34,200
To reach your Nest Egg goal, you need to start saving… TODAY!
Assuming continuation of a 10% hypothetical growth rate. Returns however, on all investment products will fluctuate. Investment
return and principal value will fluctuate and your investment value may be more or less than the original invested amount. This
hypothetical illustration is for informational purposes only and is not meant to forecast or imply the performance of any investment
vehicle.

20. Remember: PAY YOURSELF FIRST!
Where should you put your money?
 Pre-tax retirement options:
 401(k), 403(b), 501(c)
 Self employed – Sep IRA, SIMPLE
 Tax deductible IRA
or after-tax ROTH IRA

21. The 401(k), 403(b), 501(c) plan
Company/ Organization sponsored plan
Contributions taken Pre-tax
Often, employer will match your contribution to a max limit
Use it to invest for growth. Avoid “Lazy Dollar Syndrome”

22. IRAs
Self-employed have Sep IRAs
 Contribution limit of 15% of taxable income
 Max contribution of $30,000 per year
Traditional IRAs
 May be tax deductible, dependant on earned income
 Grow tax deferred, taxable upon withdrawal
 Mandatory distributions at age 70 ½
Roth IRAs
 Contributed to with AFTER-tax dollars
 Grow tax deferred, Tax-Free withdrawals
 No mandatory withdrawal age

23. The Time Value of Money
3000000
2500000
Account Values
2000000
Age
Investors
1500000 Janet
Susan
1000000
500000
0
1
4
7
10
13
16
19
22
25
28
31
34
37
40
43
46
49
52
55
Age in Years
Janet contributed $2000/ yr. from age 19 yrs to 26 yrs. Susan contributed $2000/ yr. from age 27 yrs to age 65. Assuming a consistent
10% hypothetical growth rate. Returns however, on all investment products will fluctuate. Investment return and principal value will
fluctuate and your investment value may be more or less than the original invested amount. This hypothetical illustration is for
informational purposes only and is not meant to forecast or imply the performance of any investment vehicle.

24. Step Five: The “Starbucks” Factor
Double Nonfat Mocachino $3.50
Chocolate Biscotti $1.50
One Diet Coke $1.00
One Candy Bar $1.00
Total $7.00
$7.00 savings per day = $210 per month
$210 per month = $2520 per year
$2520 per year with a hypothetical 10% growth rate =
$ 1,115,334 in 40 years!
Assuming a consistent 10% hypothetical growth rate. Returns however, on all investment products will fluctuate. Investment return and
principal value will fluctuate and your investment value may be more or less than the original invested amount. This hypothetical
illustration is for informational purposes only and is not meant to forecast or imply the performance of any investment vehicle.

25. Step Six: Build your Security Basket
Keep an Emergency Fund
 4 – 6 months salary
 in a liquid account
 **Remember this is for emergencies
Plan your Estate
 Prepare a Will or Living Trust
 Keep it up to date
 Make sure beneficiaries are correct and current
 Be sure your Family knows its location
 Have it reviewed by an attorney periodically
Make sure you’re Properly Insured
 Health Insurance
 Life Insurance
 Disability and Long Term Care
 Home owners Insurance

26. Step Seven: Build your Dream Basket
How to get to your dream basket goal:
Time Frame Investment Type
Less than 2 years Money Market
2 – 5 years Bonds, Bond Fund
5 – 10 years Balanced, Stock Fund
10 + years Growth Stock Fund

27. Where do I get started?
Talk to a professional
 She can help you determine
your future need
your savings ability
your risk tolerance
 She can help you understand ALL your choices
Money markets, annuities or mutual funds?
Retirement plan, mid-term or short-term goal
Insurance coverages
Trusts and Estate Planning

28. Talk to a Professional!
…Because Smart Women
Finish Rich!

29. Talk to a Professional!
Lisa Marie Brugman
CA Insurance License # 0C97144
AdvisorLisa@gmail.com
Advisors Wealth Management, Inc.
PO Box 11285
Whittier, CA 90603
888-987-WEALTH (9325)
Insurance Agent for
New York Life Insurance Blue Coast Financial Advisor
Registered Representative Independent Owner
for NYLIFE Securities, LLC.
Rep/Agent # 084584
Securities offered through NYLIFE Securities, LLC.
Member FinRA, SIPC