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Retirement Roadmap. Disclaimer Nothing in this presentation is a guarantee of future income or earnings. Information contained in this presentation is.

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Presentation on theme: "Retirement Roadmap. Disclaimer Nothing in this presentation is a guarantee of future income or earnings. Information contained in this presentation is."— Presentation transcript:

1 Retirement Roadmap

2 Disclaimer Nothing in this presentation is a guarantee of future income or earnings. Information contained in this presentation is intended for general education and information use only and is not intended as a solicitation for buying or selling products. The material in this presentation is not intended to give advice on tax planning, investments, legal, accounting, estate planning, or financial planning but rather is designed to educate people about various retirement concepts. Any assumptions made in hypothetical examples are to help explain the concepts and are for illustrative purposes only and should in no way be construed as any type of guarantee. Past performance is also not a guarantee of future results.

3 Retirement Roadmap Ground to Cover 1.PRIVATE EQUITY Savings. 2.Build a truly TAX-FREE Retirement Income. 3. Aggressively PROTECT your Retirement Assets 4. Enjoy Retirement AND leave a FINANCIAL LEGACY ( Proverbs 13:22)

4 Begin with the End in Mind Where are you on your “Retirement Roadmap”? At what Age do you want to retire? How much monthly income do you want during retirement? What action plans do you have in place to reach your goals? The Most Detailed Map in the World is Worthless …Unless you Know Where You Are on that Map

5 How Far Does $ 2 Million Go? ($50k yr for 40 yrs) = $60,000 (Property, Sales, Income, Auto,…) (Mortgage, Auto, Credit Cards Student Loan,…)

6 How Far Does $ 2 Million Go? ($50k yr for 40 yrs) = $400,000

7 Insurance 101 Minimum Amt for Coverage – Set by Insurance Company Maximum Amt Allowed – Set by IRS (TAMRA) Technical and Miscellaneous Revenue Act Understanding Cash Value Insurance MEC – Modified Endowment Contract Guarantees No Risk Tax Deferred Growth Tax Free Access Few Limits on Contributions Guaranteed Loans / Unstructured Pmts Use as Collateral Protected under Contract No Age Limit Penalties (59 ½ or 70 RMD) Competitive Returns More Flexible than Qualified Plans Creates a Legacy Insurance Cash Value Private Equity $ Infinite Design Death Benefits Living Benefits MEC – Maximum Efficient Contract

8 Reduce Taxes Are Taxes Likely to go UP or DOWN in the future? SEED HARVEST OR Private Equity Qualified Plans A Few Things to Consider… Tax Brackets are Affected by Fewer Deductions During Retirement Retirement Income from Qualified Plans Factor into Social Security Calculations

9 Tax Free Access to Cash Value

10 Protect your Retirement Tax LawContract Law vs Constantly Changing Target for Congress Target for Litigation Can’t be Changed No Government Control Protected from Predators and Creditors * U.S. Department of Labor Estimated at $3 Trillion Dollars*

11 Understanding How Money Works “There Is Far More Opportunity in Avoiding the Losses than in Picking the Winners” IUL vs S&P

12 Retirement Options Now Private Equity Plan Government Plan Retirement70 ½ RiskyVolatileTargetFully TaxedUncertainty GuaranteedStableProtectedTax FreePeace Market Risk Gov’t Risk Legacy Benefit Cash Build Timeline Self Completing Plan

13 Leaving a Legacy 100% Tax Free Proceeds from these Specially Designed Policies transfer INCOME TAX FREE to Heirs

14 Are Qualified Plans the Best Option? Government Influence on 401k and IRA’s “The ugly truth is that the 401(k) plan is a lousy idea, a financial flop, a rotten repository for our retirement reserves” Time Magazine ~ October 2009 HIGH FEES ~ HIGH RISK ~ HIGH TAXES

15 Additional Benefits 1.FEW LIMITS on contributions 2.NO waiting till 59 ½ 3.NO forced RMD at 70 ½

16 Examples 25 year old male – Preferred $200,000 Contract Age 65 Based on 7.5% Return Contract $190k Cash Value $390k Death Benefit Investment $243k Cash net of 20% tax $0 Death Benefit $200,000 initial face value $ per month $498k Cash Value $698k Death Benefit $200,000 initial face value $ per month $487k Cash net of 20% tax $0 Death Benefit MAX FUNDED $200,000 initial face value $ per month $1,055k Cash Value $1,287k Death Benefit Approx $62k/yr age $930k Cash net of 20% tax $0 Death Benefit

17 Examples 30 year old male – Preferred $300,000 Contract Age 65 Based on 7.5% Return Contract $298k Cash Value $598k Death Benefit Investment $326k Cash net of 20% tax $0 Death Benefit $300,000 initial face value $ per month $563k Cash Value $863k Death Benefit $300,000 initial face value $ per month $542k Cash net of 20% tax $0 Death Benefit MAX FUNDED $300,000 initial face value $ per month $1,014k Cash Value $1314k Death Benefit Approx $117k/yr age $912k Cash net of 20% tax $0 Death Benefit

18 Examples 45 year old male – Preferred $300,000 Contract Age 65 Based on 7.5% Return Contract $90k Cash Value $390k Death Benefit Investment $133k Cash net of 20% tax $0 Death Benefit $300,000 initial face value $ per month $196k Cash Value $496k Death Benefit $300,000 initial face value $ per month $223k Cash net of 20% tax $0 Death Benefit MAX FUNDED $300,000 initial face value $1, per month $575k Cash Value $875k Death Benefit Approx $62k/yr age $545k Cash net of 20% tax $0 Death Benefit

19 Examples 60 year old male – Preferred $300,000 Contract Age 75 Based on 7.5% Return Contract $47k Cash Value $325k Death Benefit Investment $147k Cash net of 20% tax $0 Death Benefit $300,000 initial face value $ per month (minimum) $185k Cash Value $486k Death Benefit $300,000 initial face value $1, per month $267k Cash net of 20% tax $0 Death Benefit MAX FUNDED $300,000 initial face value $2,003 per month (maximum) $493k Cash Value $795k Death Benefit Approx $38k/yr age $535k Cash net of 20% tax $0 Death Benefit

20 Next Steps… 1. Submit some basic information. 2.Review your personal proposal. 3.Make a personal decision if you want to move forward. 4.Rest easy knowing that your retirement is safe and secure.

21 Do you know anyone else that might be interested?

22 Thank You

23 Eliminate Debt & Interest Principal Guaranteed Interest Dividends Principal Guaranteed Interest Dividends Principal Guaranteed Interest Dividends Interest & Dividends Increasing Principal Constant Uninterrupted Growth Low Cost Loans using Accumulated Capital as Collateral Funding Your "Private Equity Bank" Insurance Company Collateral Capacity Mutual Company Increasing Principal Low Cost Loans Uninterrupted Growth Yr 1 Yr 2Yr 3 Your Bank

24 Wall Street IRR Manipulation Year % = 200,000Return of +100% Year % = 100,000Return of -50% Year % = 200,000Return of +100% Year % = 100,000Return of -50% Rate of Return Myth Net IRR of 25% Still Equals $100,000 WALL STREET MATH + 100% – 50% + 100% – 50% = 100% / 4 yrs = 25% IRR

25 Qualified Plan Rescue Most people have been taught that the IRA or 401K is the best option for retirement savings….but too late we find out that deferred taxes are only delayed taxes! The touted “tax deferral benefits” are grossly mis-leading and are designed to benefit the government through higher taxes in the future.

26

27 The Tax Deferred Myth $6,000 for 35 Years $ 210,000 Tax Bracket 33 % Annual Taxes $ 2, Years Tax Liability $ 70, % for 35 Years $ 1,000, % Withdrawal Annually $ 75,000 Annual Taxes Due 33% Federal Tax Bracket $ (25,000) Net Income $ 50,000 $25,000 x 20 yrs = $500,000 Taxes vs $70,000 $70,000 in “Deferred Taxes” Turns into $500,000 in Future Taxes


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