If You Don’t Know Where Are You Going

Any Road Will Take You There

Million Dollar Portfolio

A

Strategic Planning Process

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Planning Process

Resources (net worth & Cash Flow)

Set Goals & Objectives

Choose Strategies

Choose Portfolio

Choose Products

Review Plan A financial plan is your roadmap to financial success A financial plan begins with inventory of your resources, sets, goals and objectives A set of strategies to achieve those goals Proper portfolio and product selection Regular reviews

Financial Planning Time Horizons

Age 25 Age 55 Age 75 Age 100

Create Wealth

During Working Years

Conserve Wealth

For Retirement Years

Distribute Wealth

To Heirs & Estate

There are three major stages to Financial Planning

Triangle Of Wealth

Achieving A Financial Goal Is A Tradeoffs Between

Target Goal Rate Of Return

Time To Reach Goal

Monthly Amount Required To Invest To Reach The Target Goal

$1,097

Million $ 12%

20Years

This chart is for illustrative purposes only and is not intended to project the performance of any particular investment

Key Consideration For Staying Ahead

Taxes & Inflation are the important factors when looking at the rate of return of investment

12.00%

7.20%

4.20%

Your investment earns After taxes of 40.00% you are left with

After inflation of 3.00% you are left with

The Power Of Compounding

Investment Growing at 12.00% Per Year Over Various Time Periods

$176,241 $310,604 $547,398 $964,710 $1,700,156 $2,996,263 $5,280,445

5Yrs 10Yrs . 15Yrs . 20Yrs .25Yrs 30 Yrs 35 Yrs

Interest Earned On Interest – Is Dramatic

Earn More By Investing Early And Longer

This chart is for illustrative purposes only and is not intended to project the performance of any particular investment

Based On $100,000 investment

Cost Of Delay

Waiting For 5 Years

Million $ 12%

20Years

This chart is for illustrative purposes only and is not intended to project the performance of any particular investment

Invest Now Invest After 5 Years

$1,700,178

$964,721

Investment Value In 25 Years

Invest Description

Single Deposit of $100,000

+

Annual Deposits $1 Made at the beginning of the year

10 Points For Investment Failure

Million $ 12%

20Years

This chart is for illustrative purposes only and is not intended to project the performance of any particular investment

1. Not having a financial plan

2. Procrastinating

3. Do not diversify

4. Not considering the impact of taxes

5. Not considering the impact of inflation

6. Not staying invested in the market

7. Not paying yourself first

8. Not protecting your earning power

9. Not seeking professional financial advice

10.Taking unnecessary risks