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A new world of Opportunity

A new world of Opportunity. What you do NOT know about your Retirement Options…. …Can devestate you and your Family’s Future!. Disclosure.

jacob-cervantes
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A new world of Opportunity

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  1. A new world of Opportunity What you do NOT know about your Retirement Options… …Can devestateyou and your Family’s Future!

  2. Disclosure The tax treatment of the products discussed within this presentation are based on our current understanding of tax laws, which are subject to change. Such information is presented for educational purposes only, and should not be relied upon as professional tax advice. WE DO NOT GIVE TAX OR LEGAL ADVISE.

  3. So, what do we do? IT’S SIMPLE!!! “Common Sense Retirement”… We show people how to get as much as 300% MORE SPENDABLE DOLLARS at Retirement Tax Free with no cost Living Benefits to protect them on their road to retirement! DO YOU WANT MORE OR LESS AT RETIREMENT?

  4. When can you afford to save for retirement? You CAN NEVER afford to SAVE UNLESS you WANT TO! party diapers car house not too late… Midlife crisis vacation kid’s college The time to SAVE is NOW!!!

  5. Do you know your number to retire? 20 years of monthly retirement income from age 66-85 @ 8% assumed rate. REQUIRED MONTHLY SAVINGS TO AGE 65…

  6. The 5 retirement gotcha’s Procrastination: Enemy #1 Fee’s:Excessive and many are HIDDEN! Market Risk: Are your ASSETS guaranteed or in the market…not guaranteed? Health Risk: Are you prepared financially if you get sick and can not work? Taxes: Our government is 17 trillion in debt, who is going to pay for it and how?

  7. Tax Risk % ? Future WWII 1980s 2009 The Great Depression 1950s 1960s The time to SAVE is NOW!!! Highest Federal Marginal Rates – Married Filing Jointly What will future tax rates be? Lower Same Higher

  8. Smart retirement Money Order 1. Free Money 2. Tax-Free Money 3. Taxed Deferred Money 4. Taxable Money

  9. Smart retirement Money Order 1. Free Money 2. Tax-Free Money 3. Taxed Deferred Money 4. Taxable Money • Inherited • Matching 401 (k) Money

  10. Smart retirement Money Order 1. Free Money 2. Tax-Free Money 3. Taxed Deferred Money 4. Taxable Money • Roth IRA • Life Insurance Cash Value* *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.

  11. Smart retirement Money Order 1. Free Money 2. Tax-Free Money 3. Taxed Deferred 4. Taxable Money • Annuities • Tax-Qualified Plans such as 401 (k), IRA, etc.

  12. Smart retirement Money Order 1. Free Money 2. Tax-Free Money 3. Taxed Deferred 4. Taxable Money • Wages • Capital Gains • 1099 Interest

  13. Smart retirement Money Order 1. Free Money 2. Tax-Free Money 3. Taxed Deferred 4. Taxable Money Any contribution above the match of your 401(k) becomes tax-deferred money, and skips over #2 completely.

  14. Let’stake a look at the differencebetween a Tax-Deferredplan and a Tax-Freeplan:

  15. Example Traditional IRA Roth IRA Tax-deferred Tax Free Tax-deferred growth Tax-deferred growth Taxed as ordinary income on withdrawal $0 Federal Tax for qualified distributions After tax deposits 0 Tax on deposit

  16. Would you ratherpaytax on this… Traditional IRA Roth IRA Tax-deferred Tax Free Tax-deferred growth Tax-deferred growth Taxed as ordinary income on withdrawal $0 Federal Tax for qualified distributions After Tax deposits 0 Tax on deposits

  17. Or this? Traditional IRA Roth IRA Tax-deferred Tax Free Tax-deferred growth Tax-deferred growth Taxed as ordinary incomeon withdrawal $0 Federal Tax for qualified distributions After Tax deposits 0 Tax on deposits

  18. When you put your money into an IRA or 401 (k) are you reallysavingtax? No. Simplydelayingtax – whichactually compounds the taxproblem.

  19. If you were a farmerwould you ratherpaytax on the seed… or the harvest? Tax? Tax?

  20. Is your IRA/401k/403B underwater? “The ugly truth, is that the 401K is a LOUSY PRODUCT, a FINANCIAL FLOP, a ROTTEN REPOSITORY for our Retirement Reserves” Oct 19th 2009

  21. Couldtherebe a betterway? “We live in a world of financial noise. I am shocked at the overwhelming lack of understanding in the entire financial industry about how money works” Yes! There is a better way!

  22. 4 Phases of Retirement Planning The most important phases of retirement planning are the WITHDRAWAL & TRANSFER The time to SAVE is NOW!!!

  23. Gains linked to the S&P 500, withoutmarketrisk! Revolutionary Life insurance You don’t need to die to use!

  24. Overcome the effects of risk Indexing to the S&P 500 Annual Monthly Average (Indexed – 5) $ Minimum Guaranteed Contract Value S&P 500 Year The time to SAVE is NOW!!!

  25. ‘The greatestwealth accumulation vehicle of our time ’ Doug Warren

  26. The ultimate living benefit retirement income Are you Concerned about? OUTLIVING YOUR INCOME, 401K FEE’s, and MARKET RISK DURING DISTRIBUTION? YOU SHOULD BE! Will Social Security be there? What will the MULTI TRILLION DOLLAR DEFICIT DO TO OUR ECONOMY? Are you interested in an Income Benefit YOU CANNOT OUTLIVE…GUARANTEED? Retirement income security

  27. ‘ Stop thinking of Life Insuranceas an expense and startthinking of it as a portfolio asset, justlike real estate, stocks and bonds ’

  28. Life InsuranceIllustration The time to SAVE is NOW!!!

  29. Life InsuranceIllustration The time to SAVE is NOW!!!

  30. Life InsuranceIllustration The time to SAVE is NOW!!!

  31. PersonalPlan Prepared for: IMA SAVER Age: 35 Contribution: $200 per month to age 70 Total contributions @ 70 - $84,000 Age 70 Cash Accumulation: $309,348 tax free Retirement benefits: Age 70-95 $46,910 per year, tax free Total distributions - $1,172,750 Living benefits: Terminal illness Chronic, critical Age 55……………… Age 55……………… $249,059 $221,008 Deathbenefit: Age 70……………… Age 65……………… Age 55……………… Age 45……………… $355,750 tax free $275,862 tax free $275,862 tax free $275,862 tax free The time to SAVE is NOW!!!

  32. PersonalPlan (Child) Prepared for: ChildSaver Age: 8 Contributions: $100 per month to age 11 Total contributions - $194,400 Cash Accumulation: Age 70 $309,348 tax free Retirement benefits: Age 70-95 $46,910 per year, tax free Total distributions - $1,172,750 Living benefits: Terminal illness Chronic, critical Age 55……………… Age 55……………… $249,059 $221,008 Deathbenefit: Age 70……………… Age 65……………… Age 55……………… Age 45……………… $355,750 tax free $275,862 tax free $275,862 tax free $275,862 tax free The time to SAVE is NOW!!! The time to SAVE is NOW!!!

  33. Why do you buyLife Insurance? In case you die! But mostwillgetsick first! In fact, chances are muchgreaterthat you willgetsick and survive your illness! Would you feel more secure knowing your Life Insurance would pay you up to 2.5 million Tax Free if you became ill?

  34. The 3 BIG dangers to you! Heartattack 1,255,000 Americans suffer a heart attack every year… 17,600,000 Americans alive today have survived a Heart Attack! Stroke Each year 795,000 people suffer a stroke, many end up with permanent disabilities. Cancer 3.5 million new cases a year, avg. cost $146,000. Over 65% of expenses are indirect & not covered by traditional insurance. 11,714,000 people currently living with cancer* American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007

  35. There is over a 70% chance YOU willsuffer a criticalillness by age 65! • Medical issues contributed to Over two-thirds of all Bankruptcies in the United States. (Harvard Study 2008) • A 2008 Harvard University study found that approximately 80% had health insurance at the start of the bankrupting illness. • Statistics show that Critical illnesses are striking more Americans every year. • An American is diagnosed with cancer every 9.3 seconds!) • (American Cancer Society)

  36. There is over a 70% chance YOU willsuffer a criticalillnessby age 65! EVERY YEAR OVER 6 MILLION AMERICANS SUFFER A HEART ATTACK, STROKE or CANCER!* * American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007.”

  37. What most people do? AssetReductionPlanning • Increase debt • Spend savings • Liquidate • Bankruptcy There is a new insurancepolicythattakes care of your needs! And gives you solutions! * American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007.”

  38. LIVING BENEFITS: Does your Life Insurancepolicycoverthese? • Critical illness • Heart attack, stroke, cancer, major organ transplant, blindness, lougehrig’s disease, end stage renal failure • Chronic illness • Unable to perform 2 of the 6 daily living activities or cognitive impaired • Terminal illness • If you are diagnosed with less than 2 years to live At no additional premium! * American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007.”

  39. Whywould I needcriticalillnessinsurancebenefits? • Cash to pay for medical treatments not covered by your health plan. • Cash to pay your mortgage while you are recovering. • Cash to pay bills - from car payments to insurance premiums. • Cash so you can travel for treatments not available locally. • Cash to pay for experimental treatments (not covered). • Cash to replace a spouse's income while caring for the insured. • We think you'll find a way to put the cash to good use. * American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007.”

  40. Its your choice… Up to 2.5 million upon diagnosis! Would you prefer a CARD OR A CHECK! * American Cancer Society, Cancer Facts & Figures- 2005, American Heart Association, “ Heart Disease & stroke disease,” 2007; American Cancer Society “facts & figures 2007.”

  41. A solution for everyfamily A solution to fit any budget!!! TERM: Affordable Income Tax Free Death Benefit Critical Illness Living Benefit Chronic Illness Living Benefit Terminal Illness Living Benefit Convertible to the Index UL Income Tax Free Death Benefit Critical Illness Living Benefit Chronic Illness Living Benefit Terminal Illness Living Benefit Tax Free Income at Retirement

  42. If I can show you a way for the same amount of money where you could have Living Benefits Protect your income Increase your retirement savings Tax Free Retirement Is there any reason you would not move forward TODAY? GREAT! We need to collect your current policies and do a FREE cost savings analysis!

  43. Base Shop Builder System A business opportunity worth its weight in gold!

  44. A Chance to Change the Largest Industry in the World… A REVOLUTION! A TRUE CRUSADE…We save lives, peoples homes, and families. Life Insurance and Annuities YOU DON’T HAVE TO DIE TO USE We work a proven SYSTEM A chance to GET RICH HELPING PEOPLE

  45. No Experience Required No Franchise Fee’s No Major Investment Part / Full Time Available Unlimited Income Opportunity Bonus Pool Potential Complete Business System Company Ownership Be In Business For Yourselfnot By Yourself

  46. HUGE INCOME POTENTIAL PART TIME / FULL TIME WORK A PROVEN BUSINESS BUILDING SYSTEM!!!

  47. Why use a system? To Help you Market your Business more Efficiently and a Proven System to Follow!

  48. Part time incomepotential Income on only 1 sale a week SR Representative 40% =$5,200 Month* Sales Vice President 75% =$9,750 Month* You can start Part Time…and own your own company!! *Based on average monthly policy premium of $250

  49. Partner Promotion Guidelines • Associate • Submit Independent Business Application • Obtain Solution Number • Representative • 30% Commission • Get life licensed • Do 3 split training sales with your recruiter • Senior Representative • 40% Commission • Produce three Representatives • Complete your personal plan written by your recruiter • District Leader • 45% Commission • Produce one Senior Representative • Submit $2,500 in Premium in one month • Division Leader • 50% Commission • Produce one District Leader • Submit $5,000 in Premium in one month • Regional Leader • 60% Commission • Produce two more District Leaders (total of three District Leaders) • Submit $7,500 in Premium in one month Partner Levels

  50. Partner Promotion Guidelines • Sales Vice President • 75% Commission, Ownership and Profit Sharing Pool participation at 2% based on production percentage. • Have six District Leaders (or above) in place • Submit $20,000 in Premium during two consecutive months (minimum $8,000 in each month) • Have acceptable persistency • Execute SVP Agreement • Provide up line VP with replacement leg(s) - VP's choice: one Regional Leader or two Division Leaders or three District Leaders • Must have Office • Be full time • Executive Vice President • 75% Commission + Bonuses 3% - 78% Total. Ownership and Profit Sharing Pool 3% based on production percentage. • Produce three 1st-Generation VPs • Submit $50,000 thru 1st in Premium; maximum credit 25% per leg; Base Shop Premium may only count for 50% • Minimum $10,000 Base Shop Premium • Pre-qualify month before with at least 75% of each of the two above premium requirements • Have acceptable persistency • Execute EVP Agreement Partner Levels

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