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1. -BANK
-IRA
*MF * * - =MUNICIPAL BONDS LOW %, LONGTERM
*CD
* - =
*STOCKS INCOME LIMIT, $5K/YR
-IRA * AGE 59.5
=ROTH IRA - =CVLI
*BONDS
-ANNUITY
-401k
-TSP
TAXABLE TAX ADVANTAGE
CAPITAL GAINS TAX INCOME TAX
59.5 YEARS OLD
$$$
- 10% IRS PENALTY
- INCOME TAX
INSURANCE 101
TERM RENTING PERMANENT CASH VALUE
10, 15, 20, 30 YRS
$
$ IRS
INSURANCE
INS SAV
DIE SOON LIVE LONG
LOAN % 3% 3-4% M.F. X
1-10 YRS .75% WL UL VUL IUL
11+YR 0%

2. INDEX UNIVERSAL LIFE
+1% 11% / YR OR FIXED 3.5%
S&P 500 INDEX YOU GLOBAL INVESTMENT
M/2011 -50% S&P 500 (VICE VERSA)
-37% +1% -30% EURO STOXX 50 (VICE VERSA)
M/2012 -20% HANG SENG INDEX
-80% +1%
M/2013
+10% +10%
M/2014
+15% +13.25%
M/2015
$$$
LIFETIME:
COVERAGE
AGE
` HEALTH
PROTECTION:
-WEALTH TRANSFER MIN
-RICH BECOME RICHER
-LEGAL PROTECTION
FINANCIAL AID FRIENDLY
MAX
$1000 $1000
1. DEATH BENEFIT
-50% +100%
2. TAX ADVANTAGE
3. DOWNTURN PROTECTION +1% $500
5 LIVING BENEFITS 4. UP GAIN POTENTIAL 11%
5. FLEXIBLE -SUPPLEMENT RETIREMENT
-
6. TERMINAL ILLNESS
-
UP TO $500,000 CASH -VACATION
-COLLEGE FUND
PAY MEDICAL BILLS
BUCKET LIST

3. NAME REAL ESTATE FINANCIAL
BROKER SMD
AGENT AGENT
COMPANIES
CLIENT
TOOLS
MARKET
10% 80% 10%
POOR MIDLE RICH
DEBT ELIMINATION INVESTMENTS INSURANCE
+1% 11% / YR
U.S. REAL ESTATE 2.3 MILLION
AGENTS
U.S. INVESTMENTS 0.5 MILLION
SYSTEM
FULL TIME
PART TIME
EDUCATION CLIENT
1099 PAYROLL CODE
BOOK OF BUSINESS
COMPENSATION
ACTIVE INCOME NOW LATER LIFESTYLE
JOB…………TIME FOR $$$$ $$$ 0
RESIDUAL INCOME
AUTHOR $$$ $
SKILLS MOVIE STAR
MUCISIAN/SINGER LEGACY
INV 1. KEEP 8-10 YEARS
KNOWLEDGE
INS 2. TRANSFERABLE

4. TIMING TOYS R US MUSTANG
BABY FOOD MATEL FAST FOOD
GERBER TOY MC DONALDS CAR RETIREMENT ?
1946-1964 2011
BABY BOOMERS
77 MILLION
GERBER FOODS 65 YEARS OLD
50,000 JARS 1/1/2011
10,000 / DAY
1946 1956
7 MILLION JARS/MO
VALUE
?
? ?
1. INTEGRITY
COMPANY 2. HONESTY
3. BELIEVE IN LONG TERM BUSINESS
1099 PAYROLL TRAINING LICENCE LIFE
$100 INSURANCE LONGTERM CARE
ESTATE PLANNING
INVESTMENTS
CLASS FIELD TRAINING
IRA
401K
BONDS
M.F.
V.ANN