Helping to Protect your… -Income -Assets -Retirement -and Family

1. Helping to Protect your… -Income -Assets -Retirement -and Family Beacon Financial Group

2. Our Relationship with Law Enforcement Executive Development training. Fraternal Order of Police Benefit Administrators and Financial Planners. Presented educational seminars to NYC Police Officers since 2005. Command Level training at the Police Academy. Numerous speaking engagements at conferences and conventions.

3. Beacon and the NYS Fraternal Order of Police Lodges Appointed by NY State FOP President and NY State FOP Executive Board as preferred financial planners and benefit administrator to its membership. Visit us at: http://www.nysfop.org/ under the “Benefits” link. Constantly implementing new benefits specifically negotiated for NYS FOP members.

4. Cigna/Free Discount Prescription Drug Card • Discount Prescription Cards • Free to members of the FOP • 15% - 85% off most Rx Drugs • Used at most pharmacies • https://hta96.lc.healthtrans.com/ • CIGNA Dental Plan • Available FOP Members • PPO and HMO plans available • Individual, Employee and Spouse, and Family Plans available

5. Registered Investment Advisors. Team of experienced benefit consultants. No proprietary products or quotas. Unbiased financial recommendations. Full-service firm in your community. Well versed in NYC retirement benefits and pension plans. Who is Beacon Financial Group? Securities offered through National Planning Corporation (NPC), NPC of America (NPCOA) in NY and FL. Member FINRA/SIPC. Beacon Financial Group and NPC are separate and unrelated companies

6. Beacon Financial Group’s Financial Planning Process Beacon will… Guide you through each of the steps of our financial planning process to help you reach your financial goals.

7. Road Blocks we help you overcome Goals Procrastination Investment & risk management Human problems Inflation Taxes Today

8. “Rule of 72” 72 = 18 Years 4% 72 = 12 Years 6% 72 = 8 Years 9% These figures are for hypothetical purposes only and are not indicative of investment performance or yield.

9. Key Risks: Longevity Risk Source: Annuity 2000 Mortality Table, American Society of Actuaries. Figures assume you are in good health. For illustrative purposes only

10. Road Blocks we help you overcome Goals Procrastination Investment & risk management Human problems Inflation Taxes Today

11. Tax Planning Vehicles • Deferred Comp (457) • City 401(k) • Pension Contributions • Union Annuities • Individual Annuities • Roth IRA’s • 529 Plan

12. The Impact Of Taxes And Inflation Initial Investment $10,000 Growth on average CD/Money Market account 1% (after 1 year) $ 100 Subtotal $10,100 Income Tax Paid On Interest (31% Tax Bracket) -$31 Current Annual Inflation Actual Reduction (2.9%): -$290 Real Rate of Return = -2.21% $ 9779

13. Taxable vs. Tax-Deferred Investment Tax Deferred 9% -0_____ 9% 72_ = 8 years to double 9 Assumptions - $50,000 to Invest Taxable 9% -3% Taxes 6% 72_= 12 years to double 6 8 years 100,000 12 Years 100,000 16 Years 200,000 24 Years 200,000 24 Years 400,000 24 yrs = $400,000 - $50,000 = $350,000 taxable dollars $350,000 x 33% tax = $115,000.00 to “Uncle Sam” $400,000 - $115,000 = $285, 000 Net Tax Deferred vs $200,000 Net Taxable These figures are for hypothetical purposes only and are not indicative of investment performance or yield. Investment value will fluctuate with market conditions

14. Things We Consider Goals Procrastination Investment & risk management Human problems Inflation Taxes Today

15. Investment Rules Focus on the long term Invest systematically Diversify your investments Rebalance your portfolio

16. Things We Consider Goals Procrastination Investment & risk management Human problems Inflation Taxes Today

17. Life Insurance Helps To Pay off liabilities Protect future goals Provide survivor income Increase pension payout Protect estate

18. Voluntary Benefits Numerous Problems One Solution Rising Health Care Costs Asset Protection Income Protection Medical Expense Coverage Expenses for Daily Living Reasons for Voluntary Benefits…

19. Things We Consider Goals Procrastination Investment & risk management Human problems Inflation Taxes Today

20. Procrastination The main reason why most people don’t meet their goals. The longer you wait the further away your goals become. Look at where you are today. Decide where you want to be tomorrow.

21. The Costs of Procrastination • Life Insurance • 40 year old 300k Universal Life- $2,563/ year • 50 year old 300k Universal Life– $3,890 / year • Cost of waiting 10 years = $1,327 • Cost over 30 years = $39,800

22. The Costs of Procrastination Starting with no money and saving $100 / month

23. The Costs of Procrastination Starting with $10,000 and saving $100 / month

24. Cost of Living vs. your Pension $200K Cost of Living 4% $125K Pension and Variable Supplement $75K Age 60 Age 80 Age 70 1/2

25. 3 Stages Of Retirement Income Expenses 60-701/2 Sources Pension Social Security Personal Savings

26. 3 Stages Of Retirement Expenses 60-701/2 701/2-78 Income Sources Pension loan Union Annuity 457/401k Became IRA @ Retirement Sources Pension Social Security Personal Savings

27. 3 Stages Of Retirement 60-701/2 701/2-80 80 & Up Income Sources Pension loan Union Annuity 457/401k Became IRA @ Retirement Sources Roth IRA Non Qualified Annuity Growth Investments Expenses Sources Pension Social Security Personal Savings

28. Reach Your Goals Customized solutions Financial Plan Individual products Managed accounts Unbiased financial product selection Mutual funds Annuities Voluntary Benefits Insurance

29. “I never think of the future, it comes soon enough.” -Thomas A. Edison