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Retirement Trax

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History What Investors Want Immediate Gratification Sleep at Night Keep up with the Jones INTRODUCTION

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OLD PATTERN RESURFACING 1929 (50 years) 70,71,72 What took 50 yea rs 00,01,02 has now occurred 08,09 three times in 38 yrs.

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$50k SPIA Year 1 $6,500 Year 2 $6,500 Year 3 $6,500 Year 4 $6,500 Year 5 $6,500 Year 6 $6,500 Year 7 $6,500 Year 8 $6,500 Year 9 $6,500 Year 10$6,500 Total $65,000 $50k Variable Annuity Start yr. 1 $50,000 Start yr. 2 $53,600 Start yr. 3 $57,459 Start yr. 4 $61,596 Start yr. 5 $66,031 Start yr. 6 $70,785 Start yr. 7 $75,882 Start yr. 8 $81,345 Start yr. 9 $87,202 Start yr. 10 $93,481 End Value $100,211 Repeat Process AN OLD IDEA

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Loss of Control Clock on Income Maybe VA wont Double OLD IDEA PROBLEMS

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Fixed Indexed Annuity Avg. return 5% $100,000 deposit Ann. w/ds (-10%) +10% bonus Ann. Net % (-5%) $110,000 Yr. 1 (before w/d) $115,500 Yr. 2 (before w/d) $109,147 Yr. 3 (before w/d) $103,145 Yr. 4 (before w/d) $ 97,472 Yr. 5 (before w/d) $ 92,112 Yr. 6 (before w/d) $ 87,046 Yr. 7 (before w/d) $ 82,259 Yr. 8 (before w/d) $ 77,735 Yr. 9 (before w/d) $ 73,461 Yr. 10(before w/d) $ 69,420 Nearly 70% of original deposit still guaranteed* after ten years. *Guarantees based on claims paying ability of Insurance company Managed Account Average Return net of fees 8% End of Year 1 $11,550 End of Year 2 $10,914 End of Year 3 $10,314 End of Year 4 $ 9,747 End of Year 5 $ 9,211 End of Year 6 $ 8,704 End of Year 7 $ 8,225 End of Year 8 $ 7,773 End of Year 9 $ 7,346 End of Year 10 $ 6,942 $147,001 $69,420+$147,001=$216,421 -$100,000 Gain of: $116,421 11.6% Annual Return SIMPLE PROCESS

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THE REAL WORLD Fixed Index Annuity 2000 – 0% (w/out bonus) 2001 – 0% 2002 – 0% 2003 – 7.00% 2004 – 7.00% 2005 – 3.00% 2006 – 7.00% 2007 – 3.53% 2008 – 0% 2009 – 7.00% 3.45% = Avg. Ann. FIA performance not inclusive of S&P 500 dividends S&P 500 2000 – ( -9.21%) 2001 – (-12.07%) 2002 – (-22.27%) 2003 – 27.82% 2004 – 10.23% 2005 – 4.34% 2006 – 15.02% 2007 – 4.94% 2008 – (-36.87%) 2009 – 26.04% Avg. Ann.= 0.79% S&P 500 performance is inclusive of dividends

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WORLD CLASS MANAGERS

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WHAT YOU MIGHT EXPECT

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Reduce Fees Maintain Liquidity Reduce Volatility Compete with or Beat the Market Sleep at Night Immediate Gratification IN CLOSING

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Most Recent Statement Fill out New Application Sign a Few Pages WHATS NEXT?

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THANK YOU!

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