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Building a financial strategy is like building a house...

Building a financial strategy is like building a house. The right blueprint is essential for success. DSF. Your Plan Needs Structure…. TAXES. INFLATION. Emergency. Opportunity. Retirement. Investment. ESTATE PLANNING. MORTGAGE. EDUCATION. INSURANCE. DSF. 5. 0. 5. 0. 4. 0. 4.

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Building a financial strategy is like building a house...

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  1. Building a financial strategy is like building a house... The right blueprint is essential for success DSF

  2. Your Plan Needs Structure… TAXES INFLATION Emergency Opportunity Retirement Investment ESTATE PLANNING MORTGAGE EDUCATION INSURANCE DSF

  3. 5 0 5 0 4 0 4 0 3 0 3 0 2 0 2 0 1 0 1 0 0 0 Understand Simple Concepts… Volatility(Growth) vs. Stability(Safety) • Investment Risk • The risk of missing increasing value by protecting principal from loss • Market Risk • The risk of a decrease in value of principal in return for higher market gain GROWTH While MaintainingSAFETY DSF

  4. An overall savings strategy should address four different quadrants that fit together in a sequential order Make sure the pieces fit together… Emergency Opportunity Retirement Investment DSF

  5. Emergency Funds… Objective: 3 – 6 months income to providecash for major emergencies Emergency Opportunity Retirement Investment Criteria: Full Liquidity andComplete Safety of Principal. DSF

  6. Retirement Planning… Objective: To provide adequate income during retirement Emergency Opportunity Retirement Investment Criteria: Growth potential during accumulation with no risk of principal. DSF

  7. Investments To Supplement Retirement… Objective: Wealth accumulation to supplement retirement Emergency Opportunity Retirement Investment Criteria: Full growth potential with minimal market risk. DSF

  8. Opportunity Possibilities… Objective:Allow for opportunity to take advantage of high risk/high reward opportunities Emergency Opportunity Retirement Investment Criteria: Highest potential investment return with little concern for principal. DSF

  9. In Summary… Liquid and immediately available; money in the bank. Greatest potential risk that could create spectacular personal or financial gains. Emergency Opportunity Retirement Investment A stream of income you cannot outlive. Resources designed to supplement current and future needs. DSF

  10. Think Structure and Strategy… TAXES INFLATION Emergency Opportunity Retirement Investment ESTATE PLANNING MORTGAGE EDUCATION INSURANCE DSF

  11. In order to move from Point A to Point B you need to start… Take A Snap Shot Of Your Current Position…. Determine Where It Is You Would Like To Be… DSF …And Then Develop A Strategy Be Proactive vs. Reactive DSF

  12. We will take the time to gather preliminary information for a confidential financial profile to determine a starting point and basic direction. Our team of financial professionals will analyze your data and information and then develop a “Strategy” to suit you personal needs and objectives. In our follow-up interview we will outline the results of that plan and suggest “initial steps” to actually implement your “Strategy” . Decide if you are ready to work with our financial team to meet your goals. Agree that if we provide you with a plan that will benefit your family you are ready to move forward. And if you feel we have done a good job… allow us the opportunity to share what we do with your referral network. Is positioned to help…and we value the opportunity Financial freedom is a “process” not an event. For the plan to work, YOU must take these steps… DSF

  13. Establish A Starting Point... Do You Plan On Buying Or Selling A Home In The Future (#of Yrs) _______ Do You Know Anyone Buying / Selling Currently _______________________ In Addition To What Your Currently Investing ($ Per Mo) _____________

  14. Fixed Index Annuity Ceiling Goal: To have some potential for market gain without risk of principal “Cap” 10% • Use of index like Standard and Poor’s 500 and NASDAQ 100 • Principal protected against loss* • No asset fees* 0% * Surrender charges for early withdrawal are product dependent. Floor DSF

  15. Use of index like Standard and Poor’s 500 and NASDAQ 100 • Principal protected against loss* • No asset fees* $115,500 Floor 5% $110,000 $110,000 “Cap” 17% 10% Floor $99,000 $100,000 10% Floor Keep in mind… If you received the 5% as shown in this example on the $99,000 you would have a total of $103,950. That is a $12,000 difference because of the protected floor. Benefits and results may vary by state or index account. You are not investing directly in an index. * Surrender charges for early withdrawal are product dependent. DSF

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