1. American Classic Agency (ACA) was established in 1995. ACA has helped thousands of hard working American families protect themselves against the unexpected with life insurance, mortgage protection, disability, long term care, and tax free income solutions for investing and retirement. At a time when the insurance industry was cutting back on customer service and sales support, ACA emerged as a new player, bridging the gap with more personal attention and dedicated customer support.

2. HOW MONEY WORKS The Rule of 72 ______________________________ Example: $1,000 Invested at Age 40 CDs, Credit Union Bank Savings 3% Interest 72 ÷ 3 = 24 Equity Index 12% Interest 72 ÷ 12 = 6 72 ÷ 18 = 4 At age: 40 >>>>>► $ 1,000 64 >>>>>► $ 2,000 At age: 40 >>>>>► $ 1,000 46 >>>>>► $ 2,000 52 >>>>>► $ 4,000 58 >>>>>► $ 8,000 64 >>>>>► $ 16,000 At age: 40 >>>>>► $ 1,000 44 >>>>>► $ 2,000 48 >>>>>► $ 4,000 52 >>>>>► $ 8,000 56 >>>>>► $16,000 60 >>>>>► $32,000 64 >>>>>► $64,000 Stock Market 18% Interest

3. Based On Your Current Savings Habits, Where Will YOU Fall? Annual Social Security Study

4. Taxes Inflation

5. 1. Free Money 2. Tax-free Money 3. Tax Deferred Money 4. Taxable Money

6. 1. Free Money -Inherited -Matching 401(k) Money 2. Tax-free Money 3. Tax Deferred Money 4. Taxable Money

7. 1. Free Money 2. Tax-free Money -Roth IRA -Life Insurance Cash Value* 3. Tax Deferred Money 4. Taxable Money *Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event. Withdrawals up to the basis paid into the contract and loans thereafter will not create an immediate taxable event, but substantial tax ramifications could result upon contract lapse or surrender. Surrender charges may reduce the policy's cash value in early years.

8. 1. Free Money 2. Tax-free Money 3. Tax Deferred Money -Annuities -Tax-Qualified Plans such as 401(k), TSP, 403(b),IRA, etc. 4. Taxable Money

9. 1. Free Money 2. Tax-free Money 3. Tax Deferred Money 4. Taxable Money –Wages –Capital Gains –1099 Interest -Social Security

10. 1. Free Money 2. Tax-free Money 3. Tax Deferred Money 4. Taxable Money Any contribution above the match of your 401(k)/TSP becomes tax-deferred money, and skips over #2 completely.

11. Term Insurance (Rent)  Low cost – initially  Cost goes up  No equity or cash build up  Coverage ends  Purchased to meet temporary needs Permanent Insurance (Own)  High cost – initially  Cost is level  Equity  Coverage never ends  Owned to meet permanent goals