Brokers alliance, Inc.

1. Increase Your Income with our Sales Concepts and Products! Brokers alliance, Inc.

2. Tax Deferred Retirement Plan“The Rest of the Story” Welcome If you are currently funding a 401k, IRA or other Tax Qualified (Deferred) Retirement Plan, this program is for you. If you have stopped funding your Tax Qualified Retirement Plan due to the recent changes in today’s economy, we can help you only if you are serious about resuming funding your plan today. We can assist most other clients, but this program is not for you.

3. Tax Deferred Retirement Plan“The Rest of the Story” RETIRE WEALTHIER RETIRE EARLIER LIFETIME RETIREMENT INCOME TAX ADVANTAGED PROVIDE SECURITY

4. Tax Deferred Retirement Plan“The Rest of the Story” Where are you now? Where do you want to go? How will you get there? IT IS TIME FOR YOU TO TAKE CHARGE OF YOUR RETIREMENT GOALS!

5. Tax Deferred Retirement Plan“The Rest of the Story” Please take out a pen and a blank sheet of paper. This may be the most important document you will ever complete for your personal retirement planning. Take the next few minutes to imagine and write downyour ideal retirement dream. Assume finances are not an issue; you have all the assets and resources you ever need. Such as: When would you retire? Would you relocate? New hobbies? Would you start a new career? Volunteer more often? Travel more? Start your own business? Play more golf/sports? More time with loved ones? The above are only suggestions. This is YOUR retirement – make it your own.

6. Tax Deferred Retirement Plan“The Rest of the Story” AMERICA’S FINANCIAL CRISIS American’s spent 8% more than they earned in 2008. U.S. Dept. of Commerce 10/12/09 United States National debt 12.6 trillion dollars. U.S. Treasury Dept. 3/16/10 80%of America’s private pension plans have disappeared. 50% of those remaining are frozen. Employee Benefit Research Institute Dec. 2009 The median income of Americans 65 years old and older in 2007 was $17,424. Employee Benefit Research Institute March 2008 In the richest country in the world, 95 out of 100 Americans will never achieve financial security.

7. Tax Deferred Retirement Plan“The Rest of the Story” The Baby-Boomers The first of 81 million Americans born between 1946 and 1964 started to enjoy their retirement in 2009. Beginning of 40% of America’s work force no longer funding; instead start collecting their Social Security Retirement benefits. Urban Institute 2008

8. Tax Deferred Retirement Plan“The Rest of the Story” What if… • You could secure and increase • your retirement income and not: • Increase your current budget? • Change your current lifestyle?

9. Tax Deferred Retirement Plan“The Rest of the Story” Four Phases of Retirement Planning Contribution Accumulation Withdrawal Transfer IRA/401K Tax deferred Tax deferred Pay Tax Pay Tax

10. Tax Deferred Retirement Plan“The Rest of the Story” Will Future Tax Rates Likely Be: A. Lower? B. Same? C. Higher?

11. Tax Deferred Retirement Plan“The Rest of the Story” You owe me income tax! PAY ME NOW! OR PAY ME LATER!

12. Tax Deferred Retirement Plan“The Rest of the Story” The IRA/401(k) Story Deposit $400 per month 25% tax bracket $4,800 a year x 30 Years = $144,000 Total Contribution $36,000 Total Tax Savings $1,200 a year x 30 Years = 25% tax bracket No Income Taxes have been Paid for the 30 years on the contribution $400 per month @ 7% over 30 years – Estimated account balance = $412,198

13. Tax Deferred Retirement Plan“The Rest of the Story” The IRA/401(k) Story Estimated account balance of $412,198 withdraw $66,660 a year Will provide after taxes of 25% Retirement income of $49,995 a year Income Tax Due is $16,665 per year 25% tax bracket

14. Tax Deferred Retirement Plan“The Rest of the Story” Now… The Rest of the IRA/401(k) Story Pre-Retirement Income Tax Savings $36,000 Total Tax Savings 25% tax bracket Retirement Income Tax Costs Income Tax Due is $16,665 a year 25% tax bracket

15. Tax Deferred Retirement Plan“The Rest of the Story” The Rest of the IRA/401(k) Story Total Pre-Retirement Income Tax Savings After Retirement Income Tax Due After Retirement Income Tax Cost $16,665 $16,665 $36,000 $16,665 $16,665 $16,665 $16,665 3 years=$49,995 $16,665 $16,665 $16,665 6 years=$99,990

16. Tax Deferred Retirement Plan“The Rest of the Story” The Rest of the IRA/401(k) Story $36,000 saved in Taxes 30 years before retirement $133,320 paid in Taxes first 8 years of retirement

17. Tax Deferred Retirement Plan“The Rest of the Story” The Rest of the IRA/401(k) Story Pre-Retirement Income Tax Savings After retirement Income Tax Cost $36,000 $16,665 2.2 Years! Income Tax Cost a year Total Tax Savings 25% tax bracket 25% tax bracket

18. Tax Deferred Retirement Plan“The Rest of the Story” More of… The Rest of the IRA/401(k) Story Q. What if you want to retire early with a IRA/401(k)? • You will pay an additional 10% penalty if you • withdraw before 591/2 Q. What if you want to retire later with a IRA/401(k)? • You will pay an additional 50% penalty on the amount you failed to withdraw if you do not begin to take the mandatory distribution by age 701/2

19. Tax Deferred Retirement Plan“The Rest of the Story” “Story of two retirees” Extracted from an investigative report by PBS / Frontline “Can you afford to retire?” Viewed under arrangement between LaCroix Financial Group,LLC and the Frontline program producer, WGBH TV Boston, MA.

20. Tax Deferred Retirement Plan“The Rest of the Story” PBS / Frontline report pointed out these issues with 401(k) • Account value vulnerability • You alone manage the account • Market timing risk at retirement • Shrinkage by loans/early withdrawals • The hidden tax disadvantage • Most accounts will last 7-10 years • Not a lifetime

21. Tax Deferred Retirement Plan“The Rest of the Story” There is a solution Your Private Retirement Plan A Tax Advantaged, Non Tax Deferred Alternative Indexed Universal Life Insurance “IUL”

22. Tax Deferred Retirement Plan“The Rest of the Story” PBS / Frontline report pointed out these issues with 401(k) 401(k)Private Sec. 7702 plan • Account value vulnerability YES NO • You alone manage the account YES NO • Market timing risk at retirement YES NO • Shrinkage by loans & withdrawals YES YES • The hidden tax disadvantages YES NO • Most accounts will last 7-10 yrs Lifetime

23. Tax Deferred Retirement Plan“The Rest of the Story” The PBS/Frontline report points out this most disturbing shortcoming: • Most 401k accounts will provide retirement • income for 7-10 years not your lifetime • $412,198 @ 7%, 25% tax bracket provides • $49,995 net annual income for 8 years

24. Tax Deferred Retirement Plan“The Rest of the Story” PRIVATE PLAN VS TAX QUALIFIED PLAN 37 Year Old Male Preferred Non-Tobacco User Income of $60,000/Year (25% Tax) Currently Investing $400 Every Month in his 401k With 7% Return - Ages 37-67 Illustrated: Indexed Universal Life Insurance Policy $272,281 Guaranteed Death Benefit $300/Month Premium ($400 – 25% Taxes) Every Month Ages 37-67

25. Tax Deferred Retirement Plan“The Rest of the Story” This illustration is for educational purposes and is not a specific offering. Values and benefits are not guaranteed unless stated as guaranteed on illustrations. Examples are used to illustrate the potential of alternative retirement scenarios using Universal Life Insurance under Section 7702 After Tax (Net) Retirement Income End of year Withdrawal Age Tax Deferred 401k UL Insurance Private Plan 31. 6849,995 49,995 35. 7249,995 49,995 38. 7549,995 49,995 39. 76 7,449 49,995 40.77 0 49,995 50.87 0 49,995 74. 110 0 49,995

26. Tax Deferred Retirement Plan“The Rest of the Story” This illustration is for educational purposes and is not a specific offering. Values and benefits are not guaranteed unless stated as guaranteed on illustrations. Examples are used to illustrate the potential of alternative retirement scenarios using Universal Life Insurance under Section 7702 After Tax Death Benefit End of year Age Transfer/Legacy IUL Policy Private Plan Qualified 401k * 1. 38 4,800 272,281 31. 68389,123 406,592 36. 73 106,175 293,918 76 7,555 207,409 77 0 192,868 50. 87 0 182,394 73. 110 05,687,926 * Maximum/Consult tax professional for accurate estimate

27. Tax Deferred Retirement Plan“The Rest of the Story” Next Steps Complete an application for your private plan (Universal Life Insurance Application) Gather information regarding your current plan Set the next appointment to review your plan Within a few days you will be contacted to schedule an appointment for your brief, no-cost to you, medical exam

28. Tax Deferred Retirement Plan“The Rest of the Story” The one question to ask of one client every day to increase your annual income by $100,000 How are you saving for your retirement?

29. Tax Deferred Retirement Plan“The Rest of the Story” When the answer is — With a pre-taxed dollar program THERE IS A BETTER WAY FOR TODAY’S ECONOMY. WHEN WOULD YOU LIKE TO LEARN ABOUT IT?

30. Tax Deferred Retirement Plan“The Rest of the Story” Results: Minimum of 2 QUALIFIED presentations per week 2 per week X 70% close = 5 sales per month X $3200 target = $16,000 X 80% commission = $12,800 monthly income.

31. Tax Deferred Retirement Plan“The Rest of the Story” IN ADDITION TO THE POWER POINT, WE WILL PROVIDE: All point of presentation documents including the biographies of the experts in the PBS Frontline video Prospecting documents including, qualifying prospects, effective key phrases, and marketing ideas.

32. Bob LaCroix Bob.LaCroix@brokersalliance.com (800) 290-7226 (Ext. 132) Index Universal Life Specialist