2nd Appointment powerpoint presentation - Ind_07282016
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Transcript of 2nd Appointment powerpoint presentation - Ind_07282016
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It’s Not About Nest Egg…It’s About Cash Flow!
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Financial StrategyProtection from crashesPotential for double digit growth in good years Cash flow that lastsTax advantaged growthAccess to money while you are aliveDeath BenefitChronic and critical illness benefits Growth to outpace inflation Low Fees
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PLEASE WRITE THIS DOWN
1. Right Protection2. Right Category3. Right ROI4. Right Budget5. Right Decision
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Important Trend #1:INCREASING WORLDWIDE VOLATILITY
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Natural Disasters
SOURCE: http://www.accuweather.com/en/weather-blogs/climatechange/steady-increase-in-climate-rel/19974069
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2. Geopolitics• Geopolitical power plays: China devaluing currency
In August 2015 Dow Jones Industrial Dropped 6.6% Source: Yahoo Finance
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3. Asset Bubbles• Real Estate, Dot-Com, Dollar, Student Loans…
“Every major economic shock in recent decades has been preceded by an asset bubble: housing and stocks both before
Japan’s meltdown in 1990 and before the Asian financial crisis in 1998; stocks before the
U.S. dot-com bust in 2000; housing again before the crisis in 2008.”
-Ruchir Sharma, head of emerging markets at Morgan Stanley
SOURCE: http://www.wsj.com/articles/the-federal-reserve-asset-bubble-machine-1431386994
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“My research team’s composite valuation for the three major financial assets in America—stocks, bonds and houses—is currently well above levels reached during the bubbles of 2000
and 2007.”-Mr. Sharma, Head of Emerging
Markets and Global Macro at Morgan Stanley Investment Managements
SOURCE: http://www.wsj.com/articles/the-federal-reserve-asset-bubble-machine-1431386994
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We Need A Strategy To Deal With Volatility
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Important Trend #2:A Retirement Risk?
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“Taxes Are Your Single Biggest
Retirement Risk.”Ed Slott,
CPA, Best Selling Author, National Tax Expert
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David M. Walker
“Based on the current fiscal path, future tax will have to double or our country will go bankrupt.”
Former Comptroller General of the United States and head of the
Government Accountability Office
SOURCE: http://www.cnn.com/2009/POLITICS/04/15/walker.tax.debt/
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MATH
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Q U I ZWhat is the highest tax bracket in the history of our country? Worst it has ever been?94%
What was the highest marginal tax bracket during the 1970’s?70%
What was the highest marginal tax bracket on January 1st 2012?35%
What was the highest marginal tax bracket in 2013?39.6%
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“If Social Security, Medicare and Medicaid go unchanged, the lowest tax bracket would increase from
10% to 25%… (2.5X) "
Congressional Budget Office, "Long Term Economic Effects of Some Alternative Budget Policies," May 19, 2008, 8-9, http://www.cbo.gov/ftpdocs/92xx/doc9216/05-19-LongtermBudget_Letter-to-Ryan.pdf
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“the 25% bracket would rise to 63% (2.5X),
and the highest bracket would go from 39% to 88% (2.25X).”
Congressional Budget Office, "Long Term Economic Effects of Some Alternative Budget Policies," May 19, 2008, 8-9, http://www.cbo.gov/ftpdocs/92xx/doc9216/05-19-LongtermBudget_Letter-to-Ryan.pdf
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Social Security
Medicare and Medicaid
National DebtBailouts
Infrastructure
Pension
BIG Ticket Items:
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http://kff.org/medicare/fact-sheet/medicare-spending-and-financing-fact-sheet/
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78 Million25% More Kids
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“There is Nothing More Powerful Than An Idea Whose Time has come.” -Victor Hugo
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The IUL Is Sweeping The Country
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SOURCE: Winks Sales and Market Report 2nd Quarter 2015
Sales Are Surging Over
$1 Billion Every Year
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"IUL premium grew 36 percent in the fourth quarter and 23 percent in 2014. IUL experienced the strongest growth in
absolute dollars for both the quarter and the year. IUL now represents the majority of all UL premium at 52 percent
and represents 20 percent of all individual life premium.”
Ashley Durham, senior research analyst, LIMRA Insurance Research.
SOURCE: http://www.limra.com/Posts/PR/News_Releases/LIMRA__Individual_Life_Insurance_Sales_Experience_Strong_Fourth_Quarter_Growth.aspx
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Your Numbers
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Best Financial Strategy?Protection from crashesAccess to moneyTax deferred growth Lifetime Tax free incomeDeath BenefitProtection from creditorsChronic / Critical Illness protectionDecent returnKeeps up with inflation Low Fees