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Tracking 100 Americans from age 25 to 65 … 36 will be dead … 54 will be DEAD BROKE …

T HE F ACTS OF L IFE. Tracking 100 Americans from age 25 to 65 … 36 will be dead … 54 will be DEAD BROKE … 5 will still be working … 4 will be financially secure and 1 will be Financially Independent Where does your money go?.

camden-marsh
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Tracking 100 Americans from age 25 to 65 … 36 will be dead … 54 will be DEAD BROKE …

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  1. THE FACTS OF LIFE Tracking 100 Americans from age 25 to 65 … 36 will be dead…54will be DEAD BROKE… 5 will still be working…4will be financially secure and 1 will be Financially Independent Where does your money go? What did the 5 financially successful Americans do differently?

  2. 401(k) / 403(b)INTHENEWS it's painfully obvious that something is wrong with the way we save. The tax-deferred 401(k) plan, and others like it, such as the 403(b) and the IRA,has become our nation's go-to retirement piggy bank. Time Magazine - Oct 2009

  3. 401(k) / 403(b)INTHENEWS

  4. 401(k) / 403(b)INTHENEWS If you were doing the wrong thing to prepare for your retirement, when would you like to know about it? Now, or when you retire?

  5. 401(k) / 403(b)INTHENEWS Why Now? Time Magazine - Oct 2009 It isn’t working for the first retirees!

  6. TAXABLE INCOME CalSTRS and CalPERS are TAXABLE INCOME Source: Internal Revenue Service

  7. TAX PLANNING STRATEGIES Tax Deductible Contribution Tax Deferred Accumulation Tax Free Distribution You can only take two of the three! Which would you choose?

  8. QUALIFIED PLANS TAX HISTORY Source: Internal Revenue Service

  9. TAXABLE INCOME Bush tax cuts expire in 2011 ! Source: Internal Revenue Service/ CNN Money

  10. Insurance Taxes Savings/ Investments Living Expenses Mortgage Consumer Debt THE FACTS OF LIFE Where does your money go?

  11. HOW MONEY WORKS INFLATION In 1976 A First Class Stamp .13 cents1 In 1976 A Gallon of Gasoline .59 cents2 In 2009 A First Class Stamp .44 cents1 In 2009 A Gallon of Gasoline $2.95 4% Inflation will double prices every 18 years. 1 US Postal Service 2 Flashback 1970’s

  12. HOW MONEY WORKS Upside Potential Upside Potential 3% to 5% 3% to 5% Fixed Products Fixed Products Variable Products Variable Products Indexed Products Safety of Principal Safety of Principal Risk of Principal Risk of Principal EARNINGSAND GROWTH Protection and Potential TIC-TAC-TOE

  13. HOW MONEY WORKS $170,000 $166,359 $160,000 $155,476 $150,073 $152,488 $150,000 $149,937 $140,255 $140,000 $139,237 $134,631 $131,080 $133,977 $130,000 $126,925 $129,330 $120,000 $117,435 $122,504 $122,504 $114,490 $115,449 $110,000 $107,000 $103,775 $100,000 $95,529 $90,000 Large Company Stocks Indexed Account EARNINGSAND GROWTH Many people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both. $100,000 Invested in 1997 $166,359 $105,012 8/1997 8/1998 8/1999 8/2000 8/2001 8/2002 8/2003 8/2004 8/2005 8/2006 8/2007 8/2008 8/2009 Protection and Potential

  14. IUL (AKALIFE SAVINGS PLAN) • The Solution: A new type of insurance. Retirement savings, it turns out, are exactly the type of asset we need insurance for. We need insurance to protect against risks we can't predict (when the market collapses) and can't afford to recover from on our own (Time Magazine Oct 2009)

  15. DEFERRED STRATEGY

  16. DEFERRED STRATEGY

  17. DEFERRED STRATEGY

  18. DEFERRED STRATEGY

  19. DEFERRED STRATEGY $150,725 After Taxes

  20. TAX-FREE STRATEGY $400

  21. TAX-FREE STRATEGY $353,677

  22. TAX-FREE STRATEGY 2% Chronic Illness Income = $7,074 per Month

  23. TAX-FREE STRATEGY Cash Value at Year 15 = $96,334

  24. TAX-FREE STRATEGY TAX-FREE Income For Life (or until age 120) $37,497

  25. DEFERRED STRATEGY

  26. DEFERRED STRATEGY

  27. DEFERRED STRATEGY

  28. DEFERRED STRATEGY

  29. DEFERRED STRATEGY $233,119 After Taxes

  30. TAX-FREE STRATEGY $300

  31. TAX-FREE STRATEGY $393,679

  32. TAX-FREE STRATEGY 2% Chronic Illness Income = $7,874 per Month

  33. TAX-FREE STRATEGY Cash Value at Year 15 = $70,565

  34. TAX-FREE STRATEGY TAX-FREE Income For Life (or until age 120) $95,470

  35. TAX-FREE STRATEGY $300

  36. TAX-FREE STRATEGY $224,348

  37. TAX-FREE STRATEGY 2% Chronic Illness Income = $5,886 per Month

  38. TAX-FREE STRATEGY Cash Value at Year 15 = $80,767

  39. TAX-FREE STRATEGY $16,570 TAX-FREE Income For Life (or until age 120) $257,509

  40. TAX-FREE STRATEGY $300

  41. TAX-FREE STRATEGY $272,570

  42. TAX-FREE STRATEGY 2% Chronic Illness Income = $5,451 per Month

  43. TAX-FREE STRATEGY Cash Value at Year 15 = $81,464

  44. TAX-FREE STRATEGY $16,214 TAX-FREE Income For Life (or until age 120) $374,335

  45. TAX-FREE STRATEGY $300

  46. TAX-FREE STRATEGY $342,826

  47. TAX-FREE STRATEGY 2% Chronic Illness Income = $6,856 per Month

  48. TAX-FREE STRATEGY Cash Value at Year 15 = $81,867

  49. TAX-FREE STRATEGY $15,968 TAX-FREE Income For Life (or until age 120) $613,288

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