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What Wall Street Does Not Want You To Know

First, if you’re not familiar with insurance indexing. Insurance indexing is a strategy that links the interest credited in a financial account or insurance contract to an index, like the S&P 500®. Typically, indexed products work like this: there is a floor of zero, meaning the worst you can do in a given measurement period is 0% interest. (In 2008, when the market dropped 37%, indexed accounts were not credited any interest, but unlike funds in the stock market, they didn’t lose any value, either.) At our firm, we love using indexed insurance contracts, because they protect our clients from market crashes while still letting them participate in market rises. I also wondered: how would the Index Contract do in the worst market our country has faced in modern history: The Great Depression?

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What Wall Street Does Not Want You To Know

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  1. Avoid Financial Catastrophe What Wall Street Does Not Want You To Know For Training Purposes ONLY

  2. Bryan Daly CEO VP bryan@bryandaly.com Welcome For Training Purposes ONLY

  3. Freedom Equity Group CRUSADE… 1. Never Let Your Money Stop Compounding 2. Never Pay More in Tax than you have to 3. Never Lose Money 4. Never Allow an illness to Wipe you out For Training Purposes ONLY

  4. Warren Buffett’s Two Rules you Must Follow Rule #1- Don’t Lose Money #2- Refer to Rule #1 How To Win the Money Game For Training Purposes ONLY

  5. DON’T LOSE MONEY The Magic of Compound Interest is NEGATED by the effect of even Minor Losses. 1) Market Risk 2) Fees 3)Taxes Risk Losses are MORE DEVASTATING than most realize. For Training Purposes ONLY

  6. THE LAST 10 YEARS Annual change in S&P 500 Index with Cap and Floor Annual change in S&P 500 Index 69.8% Yield 14.00% Cap Growth Potential 12.64% 14.00% 0.00% Floor Downside Protection 3.55% 0.00% 13.62% 53% Difference 3.00% 8.99% 3.55% 14.00% 12.64% 16.8% Yield 0.00% 0.00% 13.62% 23.49% 3.00% 8.99% -13.04% -23.37% 26.38% -38.47 Past performance is no guarantee of future performance Investment expenses and taxes were not included. For Training Purposes ONLY

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  8. Average rate of Return $167,477 VS 5.04% 7.67% $317,756 A DIFFERENCE OF: $150,279 FEES Pay: Gain or Lose IUL COST Receive: Living Benefits. Death Benefits 3%/yr VS $51,598 20% VS TAX FREE TAXES TAXES $23,176 VS SPENDABLE SPENDABLE $92,703 $317,756 How much can you safely withdraw in retirement without running out of money? “Vanguard suggests withdrawing between 3%-5% per year.” 4% of $92,703= $3,600/year 15% of $317,756= $46,000/year For Training Purposes ONLY VS

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  21. A Better Way to Save Traditional Better Method Fixed 4.5% Bank 1% to 2.5% Real Estate Real Estate No Cap Less 1.5% fee +.25% Stocks S&P Index +.25% 13.5% Cap Gold Gold 14% Cap +.25% Taxable or Tax Free Potential Downward Spiral Tax Free & Living Benefits Question… Where would you rather be? For Training Purposes ONLY

  22. The Power of Indexing *278% more *417% more *358% more *448% more For Training Purposes ONLY * After fees and taxes (assumed 30% tax bracket and 2% management fees)

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  25. All 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 life insurance products. • The material in this presentation is not intended to give advice on tax planning, investments, real estate, accounting, estate planning, or financial planning but rather to provide education and information about a possible business opportunity with Freedom Equity Group. As with any business opportunity the FEG Business Opportunity may take time, effort and money which may or may not provide any financial returns. Assumptions are made in several hypothetical examples to help explain 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 Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state FEG does not provide tax or legal advice, please consult your advisors For Training Purposes ONLY

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