Retirewell system overview for advisors 2

We’re Opening the Vault and Releasing Our Proprietary Business Development ProgramFor advisors only. Copyright©2015 RETIREWELL, LLC. All rights reserved.

®

Your Presenter

Gary MarcusFounder & Chief Executive Officer

RETIREWELL, LLCFarmington Hills, MI

For advisors only.

Why a Conference Table or Class Room Presentation?

• Unlike a seminar they are intimate venues where you can relate to attendees on personal level.

• Much more is accomplished during the session than is at a one-on-one dinner meeting. It’s truly a strong 1st

appointment.

• Meet and greet results in personal contact. You know everyone by their first name.

• Advisors say they feel more comfortable presenting to a small group.

• Interaction makes for rapid relationship building.

For advisors only.

Your Choice of Two Presentation Titles

Free Your IRA From “Tax-Prison”

How to Keep Your IRA From Being an IOU to the IRS

For advisors only.

Conference Topics

Topics will continually be reviewed. They will be edited,

altered, or replaced as warranted.

Social Security Maximization

Roth IRA Conversions

Partial Roth IRA Conversions

Indexed Universal Life

(“IUL”)

Guaranteed Death Benefit Universal Life

(“UL”)

For advisors only.

Conference Invitation

OPTION #1Can alternate Monthly

Heavy Weight, Gloss Finish, 5.5” X 8.5” Postcard

Customized With Your Personal Information

BACK SIDE

For advisors only.




FRONT SIDE

For advisors only.


OPTION #2Can alternate Monthly



BACK SIDE

For advisors only.




FRONT SIDE

For advisors only.

Demographics

• Ages 55-73

• Homeowners only

• Home Value 150K+

• Income 40K-110K

• Ethnicities to be deleted, if any

• Omit Insurance Agents

For advisors only.

Turnaround Time for Printing & Mailing

• Orders must be placed at least 6 weeks prior to the date of your 1st conference.

• Recipients will receive the invitation 10 days to 2 weeks prior to your 1st conference.

For advisors only.

Customization of Materials

One time only

• Instructor’s mini bio (back side of card).

• Instructor’s bio (front side of card).

• Company name and return address (front side of card).

Each time you mail

• Change of conference date(s) (1-3 sessions per invitation.

• Change of conference time(s).

• Change of venue and address.

• Change of food service type.

• Change of reservation “hot line” number, if desired.

For advisors only.

2,500 Invitations @.68 each…………………$1,700. 5,000 Invitations @.58 each…………………$2,900.

Digital Printing and Mailing Costs

Includes:• Personalization of the Invitation for each conference unit

you hold.• Full-color printing on 14pt.UV coated stock (front side of

the card is matte finish).• Mailing list of 2500/5000 names & addresses based on

your demographics (includes recipient’s age).• Addressing and mailing service.• Postage

Bad address’ returned to you. Apx. 4%-5%

For advisors only.

Suggested Venues in Order of Preference

A Public Library

A Community College

A Community Center

Your Office or Virtual Office

For advisors only.

Suggestions for Food & Beverage Service

If the conference is in the morningA tray of muffins with coffee, tea and water.If It’s around the lunch hourA tray of finger sandwiches with coffee, tea and water.If it’s in the afternoon or eveningA tray of cookies and other wrapped pastries with coffee, tea and water.Small bags of snacks in a bowl.

For advisors only.

Quality of the Conference Attendees

24k Gold Prospects• You’ll actually be having your 1st appointment with each attendee (prospective client).

• The prospective clients are not attending a general retirement or Social Security seminar. They came to your event because they’re interested in exactly what you will be presenting.

• If the prospective client agrees to a one-on-one meeting you can be assured that they are not life insurance or annuity adverse. They already know what you are going to propose before they meet with you again.

For advisors only.

Based on a 2,500 Piece Mailing Per Month

Reservations per CU*

.0033% -.0040%

8-10 Buying Units12-15 Total Attendees

Average Cost per Buying Unit

$200.00 EachIncludes Cost of Venue & Food

Less Than Pre-Set Appointment by

Telemarketer

ConferencesHeld

12 CUs(24 sessions)

Over The Last 13 Months

Appointment Rate

70% Per CU

ClosingRate

.43% Per CU

Sales per CU

2 Annuities1 Life Policy

@ $125,OOO Each@ $16,000 Premium

Average Earnings per CU $28,805 R.O.I. = 1,450%

Return On Investment

* CU=Conference Unit: two (2) or three (3) sessions of the same conference .For advisors only.

The Welcome Envelope

Welcome/Bio Card

Outside

Testimonial Sheet Note Pad

Inside

A clear plastic envelope is given to each attendee (married couples receive only one) upon arrival at your conference.

The envelope should also contain a pen

Materials are Customized With Your Personal InformationFor advisors only.

The Departure Envelope

Company Brochure

Inside

A clear plastic envelope is given to each attendee (married couples receive only one) before they leave the venue.

Outside

Comment Card

Business Card Handout

Materials are Customized With Your Personal InformationFor advisors only.

The Presentation Manual

Materials are Customized With Your Personal Information

Presentation Manual

A bound booklet is given to each attendee (married couples receive only one) just before the presentation begins.

The manuals are collected at the conclusion of the program so they do not have to be reprinted for each event.

For advisors only.


The following are the contents of the manual. It consists of 24 pages that are to be printed on both

sides of 65# bright white cover stock. That means that you will have a total of 48 pages in the manual which is bound by using a black plastic coil and covered with a heavy weight clear plastic sheet on the front and a

black vinyl sheet on the back.

For advisors only.

Free Your IRA From “Tax-Prison”For advisors only.

Prudential TV Spot. “Ribbon Experiment”Prudential TV Spot, “Ribbon Experiment”

Ameriprise TV Spot, “Outlive”

When you ask seniors what they fear the most, they respond by saying: the fear of losing their

minds and outliving their money.

Most everyone has seen these TV commercials. They emphasize the

importance of having enough savings in your retirement plan

to last the rest of your life.

You are here today to learn about tax-saving strategies which will

serve to stretch your retirement income for as long as possible.

As stated before: a qualified plan is a good vehicle for

accumulation, but a terrible vehicle for distribution.

1For advisors only.

Male/55

Age Probability

80 59%

85 38%

90 18%

95 5%

Male/60

Age Probability

80 60%

85 39%

90 19%

95 6%

Male/65

Age Probability

80 63%

85 41%

90 20%

95 6%

Male/75

Age Probability

80 78%

85 51%

90 24%

95 7%

Male/70

Age Probability

80 68%

85 45%

90 21%

95 6%

Female/55

Age Probability

80 67%

85 50%

90 30%

95 13%

Female/60

Age Probability

80 69%

85 51%

90 31%

95 13%

Female/65

Age Probability

80 71%

85 53%

90 32%

95 13%

Female/75

Age Probability

80 84%

85 63%

90 37%

95 16%

Female/70

Age Probability

80 76%

85 56%

90 24%

95 14%

Survivor/55

Age Probability

80 87%

85 69%

90 43%

95 17%

Survivor/60

Age Probability

80 87%

85 70%

90 44%

95 18%

Survivor/65

Age Probability

80 89%

85 72%

90 45%

95 18%

Survivor/75

Age Probability

80 97%

85 82%

90 53%

95 22%

Survivor/70

Age Probability

80 92%

85 76%

90 48%

95 20%

Pla

n F

or

a L

on

ger

Ret

irem

ent

Th

an

Yo

u T

hin

k

2For advisors only.

Ed Slott was named “The Best Source for IRA Advice” by the Wall Street Journal and called"America's IRA Expert" by Mutual Funds Magazine. He is a nationally recognized IRA-distribution expert, a professional speaker, and the creator of several public televisionspecials, including the most recent, Ed Slott’s Retirement Rescue!

He hosts the popular websites: irahelp.com and the slotreport.com.

Ed is the author of the best-selling books, The Retirement Savings Time Bomb and How toDefuse It (Penguin, 2012), Ed Slott Retirement Decisions Guide: 2013 Edition (IRA help,2014), Fund Your Future: A Tax-smart Savings Plan in Your 20s and 30s (IRA help,2012), StayRich for Life! (Ballantine Books, 2009), Parlay Your IRA into a Family Fortune (Penguin, 2008)and Your Complete Retirement Planning Road Map (Ballantine Books, 2007). He is also apersonal finance columnist for numerous financial publications and websites.

Ed has been quoted in The New York Times, Newsday, The Wall Street Journal, TheWashington Post, Money Magazine, and Forbes. He has appeared on NBC, ABC, CBS, CNBC,CNN, FOX, PBS, Public Television, NPR, and Bloomberg TV and radio.

3For advisors only.

Tax Advisor Ed Slott Expounds on Retirement Planning

YouTube video runs 13 minutes

For advisors only.

The Main Reason Why Income Taxes Must Go Up In The Future

Share of income tax revenue needed to fund Social Security and Medicare

Now

2030

2050

10%

51%

76%

SOURCE: National Center for Policy Analysis

4For advisors only.

Summary 0f the Annual ReportSocial Security and Medicare Board of Trustees

November 9, 2012

Regarding Social Security: “The Treasury will redeem trust fund assets in the amounts that exceed earnings until exhaustion of trust fund reserves in 2033, three years earlier than projected last year.”

Regarding Medicare: “ The projected trust fund exhaustion date is 2024.”

5For advisors only.

Social Security Maximization 6

For advisors only.

For years, financial services companies have downplayed the role of Social Security in bolstering financial security in retirement. However, considering the increased financial risks retirees now shoulder, the tax preferences that Social Security receives, and the income options that Social Security now offers, a strong argument can be made that Social

Security should play a greater role in a retiree’s financial planning.

7For advisors only.

Trading IRA dollars for more Social Security dollars

IRa

8For advisors only.

Trading Social Security dollars for more IRA dollars

IRa

9For advisors only.

Your Social Security Benefit is Tax-Advantaged!

Only 50% of Social Security dollars are

used in the calculations for taxation

100% of IRA/401(k) dollars are

used in the calculations for taxation

Married* $32,000

Single $25,000

$44,000 Married*

$34,000 Single

Up to 50% of Social Security Taxed

TAX-FREE



The 1st. threshold

The 2nd threshold

* filing Jointly

10For advisors only.

The “Tax Torpedo”

TAXES


For each additional

$1You withdraw from an

IRA or 401(k)

An additional

85¢of your Social Security

gets taxed

Turning $1 into

$1.85of taxable

income

Assume a total Social Security benefit of $34,000 and $27,000 in IRA or 401(k) withdrawals

So, if you’re in a 25% marginal tax bracket, you pay in tax on that $1

How do you feel about paying tax

at this rate?


Increase in Taxable Income to Withdraw an Additional $1 From IRA/401(k)

If income from:Social Security is

IRA/401(k) isTOTAL

$34,000$27,000$61,000

Social Security Tax Calculations

A. IRA/401K $27,000

B. 50% of SSI $17,000

C. Combined income $44,000

D. 1st threshold $32,000

E. Over 1st threshold $12,000

F. 50% of E $6,000

G. 2nd threshold $44,000

H. Over 2nd threshold $0

I. 35% of H $0

Total Taxable SSI (F+I) $6,000

Impact on Total Taxable SSI

Total Taxable $33,000

Tax Advantaged $28,000


IRA/401(k) isTOTAL

$34,000

$27,001$61,001


A. IRA/401K $27,001

B. 50% of SSI $17,000




F. 50% of E $6,000.50



I. 35% of H .35

Total Taxable SSI (F+I) $6,000.85


Total Taxable $33,001.85

Tax Advantaged $27,999.15

TAX TORPEDO AT WORK

13

$1.00

For advisors only.

Defending Against the “Tax Torpedo”

Roth IRAs and cash value loans from life insurance are not counted!


TAX-FREE



Incorporate tax-advantaged strategies into your retirement planning


COUPLE #1


IRA/401(k) isTax advantaged is

TOTAL

$45,000$45,000

$0$90,000


A. IRA/401K $45,000

B. 50% of SSI $22,500




F. 50% of E $17,750

G. 2nd Threshold $44,000

H. Over 2nd threshold $23,500

I. 35% of H $8,225





COUPLE #2



TOTAL

$70,000$20,000

$0$90,000


A. IRA/401K $20,000

B. 50% of SSI $35,000




F. 50% of E $11,500



I. 35% of H $3,850





COUPLE #3



TOTAL

$70,000$10,000$10,000$90,000


A. IRA/401K $10,000

B. 50% of SSI $35,000




F. 50% of E $6,500



I. 35% of H $350





If SSI is increased

$25,000 and

IRA/401(k) is reduced

If IRA/401(k)increased

$10,000 and

replaced with tax

advantaged

Delay receiving Social Security benefit to age 70

Begin receiving Social Security benefits at age 62

Impact of delaying the Start of Social Security Benefits and Then Adding a Tax-Advantaged Source of Income Delay receiving Social Security

benefit to age 70 and add tax-advantaged source of income


“Tax-Advantaged” Sources of income

• The Roth IRA “Carve-Out” & Convert Strategy℠

• The “Stack-a-Roth Strategy℠

• Required Minimum Distribution Leveraging℠

• IRA Rescue

The Primary Focusof The Rest of Today’s Program


The Roth IRA “Carve-Out” & Convert Strategy℠17For advisors only.

The conversion tax is not an extra tax that you must pay to get the benefits of a Roth IRA.

Instead, it is the payment of the tax that has already accrued in the IRA.

A tax that one day will be paid by you or your spouse and/or heirs at a rate that might be

higher than it is now, depending on future income tax rates.

The Conversion Tax Explained


A Real Estate Analogy

Investment Property Today

Value = $200,000

Basis = $100,000

Taxable = $100,000

Tax Rate 25%

Total Tax = $25,000

Suppose you could pay the tax today, keep the property and avoid all future income taxes on any future appreciation. Would you?

Investment Property in 15 Years

Value = $1,100,000

Basis = $ 100,000

Taxable = $1,000,000

Tax Rate 25%

Total Tax = $250,000


If you answered yes, how about this:

• get someone else to pay the tax for you now;

• retain the property; and

• avoid all future tax on any appreciation.

Suppose you could:


The Situation: The Findings:

Sam Sample, age 68 | married | 16.43% Effective Tax Rate*

• Sam Sample is the owner of a$150,000 traditional IRA.

• He would like to convert his IRA to a Roth IRA, but doesn’t wantto pay the income taxes due on the conversion.

• He does not need RMDs tomaintain his current life style and would like to stop taking them.

• Using our proprietary software, Samis able to “carve-out” & convert $55,000 or 37% of his IRA to a RothIRA and save almost $22,000 in taxes.

• Income tax in the amount of $11,714 will be due on the conversion.

• Utilizing a little known strategy, Sam will be able to convert the $55,000 to a Roth and get his IRA custodian to pay the $11,714 in taxes for him!

* In year 1 / ongoing is 12.77%


HOW THE ROTH IRA “CARVE-OUT” & CONVERT STRATEGY WORKS

Existing IRA funds to be allocated to the “C-O” & C program and the current custodian

$150,000 at Charter Bank

Annuity #1Percent to be deposited into a

Roth IRA37%

Amount to be deposited to a

ROTH IRA$55,000

Bonus added upon issue of annuity contract

$5,500

The value of the annuity contract $60,500

Withdrawals are TAX-FREE and never mandatory


New Traditional IRA63%

Amount to be deposited into a

New Traditional IRA$95,000


$9,500


Withdrawals are mandatory and taxable @ age 70½

Total Bonus Total Account Values After Bonus Free Withdrawal of Bonus

$15,000 $165,000 $15,000Income Tax Due on Roth Conversion and Free Withdrawals Out-of-pocket Outlay for Taxes

$11,871 -3,283 Use to pay state income tax

In the ledger and table above the assumption is that heir(s) take a lump-sum distribution upon the death of the last parent and that both deaths occur at the beginning of the year of life expectancy



* Reflects 1st bonus and free withdrawal beginning of year 2 or 3 (if Roth conversion is made in year 2 instead of year 1)

$150,000 EXISTING TRADITIONAL IRA $95,000 PROPOSED TRADITIONAL IRA AFTER “CARVE-OUT” $55,000 ROTH

EXISTING EXISTINGPROPOSED PROPOSED


The Benefits to the Sample Family

• The tax savings to Sam and his family wouldbe almost $22,000.

• Mrs. Sample would inherit almost $45,000more by her husband having 37% of his retirement savings in a Roth IRA.

• The Sample’s heir(s) would inherit over $80,000more by the Samples having 37% of their retirement savings in a Roth IRA.

• Sam and his wife would not be required totake minimum distributions from their Roth IRA.

• Withdrawals from their Roth IRA would notbe included in the calculation for taxation oftheir Social Security benefits.

• A rider can be added to either the traditional IRA and/or the Roth IRA annuity that will guarantee a lifetime income stream to the Samples. No other financial vehicle offers this benefit.


In addition to a traditional IRA, you may also be able to convert the following into a Roth IRA:

• 401(k) plans

• 403(b) plans

• 457 Plans

• Simple IRAs

• SEP IRAs


27

℠

For advisors only.

28

Pension-Like Income

Transforming an IRA or 401 (k) Into a TAX-FREE retirement paycheck that the IRA owner would receive for

as long as he or she lives.

Guaranteed!

For advisors only.

Partial Roth Conversions

30

Control how much and when you pay taxes

• You spread your income tax liability over many years.

• You manage your Modified Adjusted Gross Income (“MAGI”).

For advisors only.

The Situation: The Findings:

Tom Jones, age 55 | $75,000 Annual Income | 25% Marginal Tax Bracket

• Tom is the owner of a $100,000 traditional IRA at Charter Bank.

• He would like to convert his entire IRA to a Roth IRA but does not have enough non-IRA fund available to pay the taxes on the conversion.

• He is aware that he must, according to IRS regulation, begin taking Required Minimum Distributions (“RMDs)”from his IRA at age 70½ and pay income tax on the withdrawals each year.

• He says he would be willing to begin making periodic conversions from his IRA to a Roth IRA now and spread the tax liability over the next 10 years.

• His goal would be to receive TAX-FREE income from his Roth IRA at age 65 and have that income stream last for as long as he lives.

• Tom should transfer his $100,000 traditional IRA in a CD to a Fixed Indexed Annuity (“FIA”) issued by a life insurance Company in order to be able to take advantage of a policy rider only available to annuity owners. It is referred to as A Guaranteed Withdrawal Income Benefit Rider (“GWIB”) compounding at 7%.

• Starting in year one, and continuing thru his age 64, he would convert $10,000 each year from his traditional IRA account in the FIA to a “piggyback” account within the same policy. That stacked account would be designated as a Roth IRA.

• By making periodic conversions, instead of converting a lump-sum, he would spread the $25,000 tax liability on the conversion of his $100,000 IRA over a 10-year period. By converting he would leverage a TAX-FREE income stream for as long as he lived.

• At 65, Tom would begin to withdraw TAX-FREE income of $850. a month instead of $367. a month as he would have done if he had not converted to a Roth and placed his funds in an FIA.

A Case Scenario


32

Year AgeAnnuity

(Traditional IRA)“REAL MONEY”

“Piggyback” Account(Roth IRA)

“REAL MONEY”

Income Tax on Roth

Conversion

Income Account7% Guaranteed

per year TAX-FREE!(Roth IRA)

CD at Bank 2.35%¹

Per Year TAXABLE(Traditional IRA)

1 55 $100,000 $10,000 $2,500 $100,000 $100,000

2 56 $90,000 $20,000 $2,500 $107,000 $102,350

3 57 $80,000 $30,000 $2,500 $114,490 $104,755

4 58 $70.000 $40,000 $2,500 $122,504 $107,217

5 59 $60,000 $50,000 $2,500 $131,079 $109,737

6 60 $50,000 $60,000 $2,500 $140,255 $112,316

7 61 $40,000 $70,000 $2,500 $150,073 $114,955

8 62 $30,000 $80,000 $2,500 $160,578 $117,656

9 63 $20,000 $90,000 $2,500 $171,818 $120,421

10 64 $10,000 $100,000 $2,500 $196,715 $123,551

Here’s How it Works & Compares

$196,715 = $820. per month² TAX-FREE INCOME FOR AS LONG AS YOU LIVE$123,551 = $367. per month² AFTER-TAX³ UNTIL THE FUND RUNS OUT

¹ Assumes the 5-year CD renews at the same rate for an additional 5 years.² Assumes a 5% annual withdrawal rate. ³ Assumes a 15% Marginal Tax Bracket post-retirement.

For advisors only.

His Situation: My Recommendation:

Sam Sample, age 68|married

• Sam has “Carved-Out” $55,000 from his traditional IRA andconverted it to a Roth IRA.

• He still has a traditional IRA inthe amount of $95,000.

• Sam would like to provide his wifewith enough money to convert hisremaining traditional IRA to a RothIRA when he is no longer in the picture.

• He does not need the RMDs fromthe traditional IRA he still owns to maintain his current lifestyle.

A Case Scenario

• Instead of banking or investing hisRMDs, Sam purchases a life insurancepolicy on his life and uses the after-tax RMDs, he must take, to pay thepremiums on the contract.

• Upon Sam’s demise, his wife uses theTAX-FREE funds she receives from the insurance policy to pay the taxes due on the conversion of her traditional IRAto a Roth IRA.

• Sam’s wife will also recover all ofthe pre-tax RMDs that Sam paid inpremiums on the insurance policy.


Name Sam Sample Insurance Company North American Death Benefit $76,020

Gender M Name of Policy Gen 8 Amount Needed for Roth Conversion Tax $20,000

Age at Policy Issue 68 Tobacco Use No Amount Needed to Recover RMDs $55,859

Life Expectancy 16 Risk Preferred Remainder of Funds Left for Inheritance $161

Premium Outlay From Premium Outlay From

Year AgeTraditional IRA Withdrawals

After-Tax RMDs

Account Value

Surrender Value

Death Benefit

Year AgeTraditional IRA Withdrawals

After-Tax RMDs

Account Value

Surrender Value

Death Benefit

1 68 3,200 76,020 21 88 76,020

2 69 76,020 22 89 76,020

3 70 3,246 76,020 23 90 76,020

4 71 3,365 76,020 24 91 76,020

5 72 3,498 76,020 25 92 76,020

6 73 3,626 76,020 26 93 76,020

7 74 3,729 76,020 27 94 76,020

8 75 3,903 76,020 28 95 76,020

9 76 4,049 76,020 29 96 76,020

10 77 4,177 76,020 30 97 76,020

11 78 4,332 76,020 31 98 76,020

12 79 4,466 76,020 32 99 76,020

13 80 4,604 76,020 33 100 76,020

14 81 4,746 76,020 34 101 76,020

15 82 4,888 76,020 35 102 76,020

16 83 76,020 36 103 76,020

17 84 76,020 37 104 76,020

18 85 76,020 38 105 76,020

19 86 76,020 39 106 76,020

20 87 76,020 40 107 76.020


IRA Rescue

• A financial strategy which allows you to convert your FULLY-TAXABLE qualified plan (IRA) into a TAX-FREE entity.

• Purpose: to remove government control and legal rights to any portion of your retirement savings.

• Result: eliminates future taxes and requirements to take annual withdrawals, known as Required Minimum Distributions (“RMDs”) from your retirement savings. Allows you to be in complete control of your retirement savings while also addressing some major risks associated with retirement assets.

• Financial Vehicle Used: Indexed Universal Life Insurance (“IUL”)


Indexed Universal Life (“IUL”)

• Purpose of converting: implementation of a strategy which maximizes the current tax advantages available when a life insurance contract is designed correctly.

• As a permanent (not term) policy, a life insurance contract offers tax-deferred growth on the savings element, TAX-FREE income through policy loans* (which do not have to be repaid as long as the contract remains in force), a TAX-FREE death benefit, and if elected, long term care benefits.

*Loan interest is offset by annual interest crediting to policy’s accumulation value.


life insurance as an investment

Don’t use life insurance as an investment!

It’s too expensive!

Few will mention any tax advantages

It’s expensive, butIT’S CHEAPER THAN TAXES


An IRA Diversion to IUL Scenario

End End Ann. Pre-Tax Withdraw After-Tax Account Cash Assumed

of of Yr. Distribution From Deposit* Accumulation Surrender Death

Yr. Age From IRAs Policy Value** Value Benefit

1 55 13,888 0 10,000 8,834 2,547 161,5352 56 13,888 0 10,000 18,263 12,126 170,9643 57 13,888 0 10,000 28,326 22,342 181,0274 58 13,888 0 10,000 39,079 33,249 191,7805 59 13,888 0 10,000 50,566 44,892 203,267

6 60 13,888 0 10,000 62,838 57,322 215,5397 61 13,888 0 10,000 75,945 71,716 228,6468 62 13,888 0 10,000 89,943 87,124 242,6449 63 13,888 0 10,000 104,895 103,486 257,59610 64 13,888 0 10,000 120,876 120,876 273,577

138,880 0 100,000

11 65 0 13,745 0 129,383 115,269 215,26912 66 0 13,745 0 138,550 109,615 200,44813 67 0 13,745 0 148,550 104,054 184,88714 68 0 13,745 0 159,397 98,562 168,54815 69 0 13,745 0 171,174 93,183 151,392

16 70 0 13,745 0 183,877 87,871 133,37717 71 0 13,745 0 197,547 82,626 114,46318 72 0 13,745 0 212,253 77,472 100,81919 73 0 13,745 0 228,068 72,433 92,95920 74 0 13,745 0 245,069 67,538 84,693

138,880 100,000

21 75 0 13,745 0 263,342 62,820 75,98722 76 0 13,745 0 282,980 58,318 72,46723 77 0 13,745 0 304,088 54,077 69,28224 78 0 13,745 0 326,774 50,148 66,48725 79 0 13,745 0 351,157 46,585 64,143

26 80 0 13,745 0 377,364 43,449 62,31827 81 0 13,745 0 405,531 40,807 61,08328 82 0 13,745 0 435,806 38,731 60,52129 83 0 13,745 0 468,345 37,302 60,71930 84 0 13,745 0 503,319 36,609 61,775

138,880 100,000

31 85 0 13,745 0 540,909 36,749 63,79432 86 0 13,745 0 581,311 37,828 66,89433 87 0 13,745 0 624,736 39,964 71,20134 88 0 13,745 0 671,409 43,284 76,85535 89 0 13,745 0 721,574 47,928 84,007

35 90 0 13,745 0 775,491 54,049 92,823

36 91 0 13,745 0 833,442 61,813 95,151

37 92 0 13,745 0 895,728 71,404 98,275

38 93 0 13,745 0 962,379 82,724 101,971

39 94 0 13,745 0 1,033,185 95,432 105,764

138,888 100,000

40 95 0 13,745 0 1,110,419 111,664 111,664

41 96 0 13,745 0 1,193,431 130,624 130,624

42 97 0 13,745 0 1,282,653 152,590 152,590

43 98 0 13,745 0 1,378,548 177,868 177,868

44 99 0 13,745 0 1,481,617 206,788 206,788

45 100 0 13,745 0 1,592,395 239,711 239,711

138,880 100,000

After-Tax Deposits to a Indexed Universal Life Ins. Policy ("IUL")


After-Tax Deposits to a Indexed Universal Life Policy ("IUL") After-Tax Deposits to a 3% Annual Yield Investment

End End Ann. Pre-Tax Withdraw After-Tax Account Cash Assumed Begin Net Acct. Value Interest Acct. Value Tax on End Withdraw

of of Yr. Distribution From Deposit* Accumulation Surrender Death Yr. Acct. After-Tax After Accum. After Annual Yr. Acct. From

Yr. Age From IRAs Policy Value** Value Benefit Value Deposit Deposit at 3% Int. Credit interest Value Account

1 67 20,000 0 16,000 13,864 5,199 202,561 0 16,000 16,000 480 16,480 96 16,576 02 68 20,000 0 16,000 28,623 19,958 217,320 16,576 16,000 32,576 977 33,553 195 33,749 03 69 20,000 0 16,000 44,336 35,671 233,033 33,749 16,000 49,749 1,492 51,241 298 51,540 04 70 20,000 0 16,000 61,060 52,395 249,757 51,540 16,000 67,540 2,026 69,566 405 69,971 05 71 20,000 0 16,000 78,854 70,190 267,551 69,971 16,000 85,971 2,579 88,550 645 89,195 0

6 72 0 0 0 83,087 76,155 100,000 89,195 0 89,195 2,676 91,871 535 92,406 07 73 0 0 0 87,680 82,481 100,000 92,406 0 92,406 2,772 95,178 693 95,871 08 74 0 0 0 92,594 89,128 100,000 95,871 0 95,871 2,876 98,747 575 99,323 09 75 0 0 0 97,853 96,120 102,745 99,323 0 99,323 2,980 102,302 745 103,047 0

10 76 0 0 0 103,479 103,479 108,653 103,047 0 103,047 3,091 106,139 618 106,757 0100,000 0 80,000 80,000 0

11 77 0 12,635 0 111,111 98,170 103,726 106,757 0 106,757 3,203 109,960 641 110,600 12,63512 78 0 12,635 0 119,340 92,876 98,843 97,965 0 97,965 2,939 100,904 588 101,492 12,63513 79 0 12,635 0 128,205 87,609 94,019 88,857 0 88,857 2,666 91,523 533 92,056 12,63514 80 0 12,635 0 137,744 82,380 89,267 79,421 0 79,421 2,383 81,803 477 82,280 12,63515 81 0 12,635 0 148,001 77,205 84,605 69,645 0 69,645 2,089 71,734 418 72,152 12,635

16 82 0 12,635 0 159,020 72,097 80,048 59,517 0 59,517 1,786 61,303 357 61,660 12,63517 83 0 12,635 0 170,860 67,085 75,628 49,025 0 49,025 1,471 50,496 294 50,790 12,63518 84 0 12,635 0 183,583 62,197 71,376 38,155 0 38,155 1,145 39,299 229 39,528 12,63519 85 0 12,635 0 197,256 57,466 67,329 26,893 0 26,893 807 27,700 161 27,861 12,63520 86 0 12,635 0 211,950 52,929 63,526 15,226 0 15,226 457 15,683 91 15,775 12,635

100,000 126,350 80,000 80,000 126,350

21 87 0 12,635 0 227,743 48,625 60,012 3,140 0 3,140 94 3,234 19 3,253 3,25322 88 0 12,635 0 244,717 44,598 56,834 0 0 0 0 0 0 0 023 89 0 12,635 0 262,961 40,896 54,044 0 0 0 0 0 0 0 024 90 0 12,635 0 282,570 37,571 51,699 0 0 0 0 0 0 0 025 91 0 12,635 0 303,646 34,681 46,827 0 0 0 0 0 0 0 0

26 92 0 12,635 0 326,299 32,289 42,078 0 0 0 0 0 0 0 027 93 0 12,635 0 350,556 30,375 37,386 0 0 0 0 0 0 0 028 94 0 12,635 0 376,356 28,826 32,590 0 0 0 0 0 0 0 029 95 0 12,635 0 404,450 28,340 28,340 0 0 0 0 0 0 0 030 96 0 12,635 0 434,646 28,670 28,670 0 0 0 0 0 0 0 0

100,000 252,700 80,000 80,000 129,603

31 97 0 12,635 0 467,100 29,914 29,914 0 0 0 0 0 0 0 032 98 0 12,635 0 501,982 32,182 32,182 0 0 0 0 0 0 0 033 99 0 12,635 0 539,473 35,591 35,591 0 0 0 0 0 0 0 034 100 0 12,635 0 579,769 40,271 40,271 0 0 0 0 0 0 0 0

100,000 315,875 80,000 80,000 129,603

An IRA Conversion to IUL Scenario


“There are two systems of taxation in our country: one for the informed and one for

the uninformed." — Judge Learned Hand —


What’s the Next Step?

37



What Takes Place During a Personal Consultation?1. We have a discussion about your retirement goals

and objectives. A fact finder is completed. 2. I analyze your current financial position and make

suggestions as to what strategy or strategies to employ. I explain the details of my proposal.

3. I name and then explain the intricacies of the financial instruments to be utilized in my proposed program.

4. I set an appointment to review the plan or plans that I will draft in my office.

45

A Personal Consultation

For advisors only.


For advisors only.


The Conference

The following are the slides that accompany the Presentation Manual. They should be downloaded to

your laptop’s desktop and then will be ready for projection on a screen during your presentation

For advisors only.

“Anyone may arrange hisaffairs so that his taxesshall be as low as possible.He is not bound to choosethat pattern which best paysthe treasury. There is noteven a patriotic duty toincrease one’s taxes. Overand over again the courtshave said that there isnothing sinister in soarranging one’s affairs so tokeep taxes as low as possible.Everyone does it, rich andpoor alike and all do right fornobody owes any public dutyto pay more than the lawdemands.”

For advisors only.

Tax Advisor Ed Slott on Retirement Planning

13 Minute You Tube Video Plays

For advisors only.



IRA/401(k) isTOTAL

$34,000$27,000$61,000


A. IRA/401K $27,000

B. 50% of SSI $17,000




F. 50% of E $6,000



I. 35% of H $0






IRA/401(k) isTOTAL

$34,000

$27,001$61,001


A. IRA/401K $27,001

B. 50% of SSI $17,000




F. 50% of E $6,000.50



I. 35% of H .35





TAX TORPEDO AT WORK


COUPLE #1



TOTAL

$45,000$45,000

$0$90,000


A. IRA/401K $45,000

B. 50% of SSI $22,500




F. 50% of E $17,750



I. 35% of H $8,225





COUPLE #2



TOTAL

$70,000$20,000

$0$90,000


A. IRA/401K $20,000

B. 50% of SSI $35,000




F. 50% of E $11,500



I. 35% of H $3,850





COUPLE #3



TOTAL

$70,000$10,000$10,000$90,000


A. IRA/401K $10,000

B. 50% of SSI $35,000




F. 50% of E $6,500



I. 35% of H $350





If SSI is increased

$25,000 and



$10,000 and

replaced with tax

advantaged



Impact of delaying the Start of Social Security Benefits and Then Adding a Tax-Advantaged Source of Income

Delay receiving Social Security benefit to age 70 and add tax-advantaged source of income






Roth IRA37%


ROTH IRA$55,000


$5,500








$9,500













Year AgeTraditional IRA

Withdrawals

After-Tax

RMDs

Account

Value

Surrender

Value

Death

BenefitYear Age

Traditional IRA

Withdrawals

After-Tax

RMDs

Account

Value

Surrender

Value

Death

Benefit

1 68 3,200 76,020 21 88 76,020

2 69 76,020 22 89 76,020

3 70 3,246 76,020 23 90 76,020

4 71 3,365 76,020 24 91 76,020

5 72 3,498 76,020 25 92 76,020

6 73 3,626 76,020 26 93 76,020

7 74 3,729 76,020 27 94 76,020

8 75 3,903 76,020 28 95 76,020

9 76 4,049 76,020 29 96 76,020

10 77 4,177 76,020 30 97 76,020

11 78 4,332 76,020 31 98 76,020

12 79 4,466 76,020 32 99 76,020

13 80 4,604 76,020 33 100 76,020

14 81 4,746 76,020 34 101 76,020

15 82 4,888 76,020 35 102 76,020

16 83 76,020 36 103 76,020

17 84 76,020 37 104 76,020

18 85 76,020 38 105 76,020

19 86 76,020 39 106 76,020

20 87 76,020 40 107 76.020


33

Year AgeAnnuity



“REAL MONEY”

Income Tax on Roth

Conversion



CD at Bank 2.35%¹


1 55 $100,000 $10,000 $2,500 $100,000 $100,000

2 56 $90,000 $20,000 $2,500 $107,000 $102,350

3 57 $80,000 $30,000 $2,500 $114,490 $104,755

4 58 $70.000 $40,000 $2,500 $122,504 $107,217

5 59 $60,000 $50,000 $2,500 $131,079 $109,737

6 60 $50,000 $60,000 $2,500 $140,255 $112,316

7 61 $40,000 $70,000 $2,500 $150,073 $114,955

8 62 $30,000 $80,000 $2,500 $160,578 $117,656

9 63 $20,000 $90,000 $2,500 $171,818 $120,421

10 64 $10,000 $100,000 $2,500 $196,715 $123,551




For advisors only.





1 55 13,888 0 10,000 8,834 2,547 161,5352 56 13,888 0 10,000 18,263 12,126 170,9643 57 13,888 0 10,000 28,326 22,342 181,0274 58 13,888 0 10,000 39,079 33,249 191,7805 59 13,888 0 10,000 50,566 44,892 203,267

6 60 13,888 0 10,000 62,838 57,322 215,5397 61 13,888 0 10,000 75,945 71,716 228,6468 62 13,888 0 10,000 89,943 87,124 242,6449 63 13,888 0 10,000 104,895 103,486 257,59610 64 13,888 0 10,000 120,876 120,876 273,577

138,880 0 100,000

11 65 0 13,745 0 129,383 115,269 215,26912 66 0 13,745 0 138,550 109,615 200,44813 67 0 13,745 0 148,550 104,054 184,88714 68 0 13,745 0 159,397 98,562 168,54815 69 0 13,745 0 171,174 93,183 151,392

16 70 0 13,745 0 183,877 87,871 133,37717 71 0 13,745 0 197,547 82,626 114,46318 72 0 13,745 0 212,253 77,472 100,81919 73 0 13,745 0 228,068 72,433 92,95920 74 0 13,745 0 245,069 67,538 84,693

138,880 100,000

21 75 0 13,745 0 263,342 62,820 75,98722 76 0 13,745 0 282,980 58,318 72,46723 77 0 13,745 0 304,088 54,077 69,28224 78 0 13,745 0 326,774 50,148 66,48725 79 0 13,745 0 351,157 46,585 64,143

26 80 0 13,745 0 377,364 43,449 62,31827 81 0 13,745 0 405,531 40,807 61,08328 82 0 13,745 0 435,806 38,731 60,52129 83 0 13,745 0 468,345 37,302 60,71930 84 0 13,745 0 503,319 36,609 61,775

138,880 100,000

31 85 0 13,745 0 540,909 36,749 63,79432 86 0 13,745 0 581,311 37,828 66,89433 87 0 13,745 0 624,736 39,964 71,20134 88 0 13,745 0 671,409 43,284 76,85535 89 0 13,745 0 721,574 47,928 84,007

35 90 0 13,745 0 775,491 54,049 92,823

36 91 0 13,745 0 833,442 61,813 95,151

37 92 0 13,745 0 895,728 71,404 98,275

38 93 0 13,745 0 962,379 82,724 101,971

39 94 0 13,745 0 1,033,185 95,432 105,764

138,888 100,000

40 95 0 13,745 0 1,110,419 111,664 111,664

41 96 0 13,745 0 1,193,431 130,624 130,624

42 97 0 13,745 0 1,282,653 152,590 152,590

43 98 0 13,745 0 1,378,548 177,868 177,868

44 99 0 13,745 0 1,481,617 206,788 206,788

45 100 0 13,745 0 1,592,395 239,711 239,711

138,880 100,000







1 67 20,000 0 16,000 13,864 5,199 202,561 0 16,000 16,000 480 16,480 96 16,576 02 68 20,000 0 16,000 28,623 19,958 217,320 16,576 16,000 32,576 977 33,553 195 33,749 03 69 20,000 0 16,000 44,336 35,671 233,033 33,749 16,000 49,749 1,492 51,241 298 51,540 04 70 20,000 0 16,000 61,060 52,395 249,757 51,540 16,000 67,540 2,026 69,566 405 69,971 05 71 20,000 0 16,000 78,854 70,190 267,551 69,971 16,000 85,971 2,579 88,550 645 89,195 0

6 72 0 0 0 83,087 76,155 100,000 89,195 0 89,195 2,676 91,871 535 92,406 07 73 0 0 0 87,680 82,481 100,000 92,406 0 92,406 2,772 95,178 693 95,871 08 74 0 0 0 92,594 89,128 100,000 95,871 0 95,871 2,876 98,747 575 99,323 09 75 0 0 0 97,853 96,120 102,745 99,323 0 99,323 2,980 102,302 745 103,047 0

10 76 0 0 0 103,479 103,479 108,653 103,047 0 103,047 3,091 106,139 618 106,757 0100,000 0 80,000 80,000 0

11 77 0 12,635 0 111,111 98,170 103,726 106,757 0 106,757 3,203 109,960 641 110,600 12,63512 78 0 12,635 0 119,340 92,876 98,843 97,965 0 97,965 2,939 100,904 588 101,492 12,63513 79 0 12,635 0 128,205 87,609 94,019 88,857 0 88,857 2,666 91,523 533 92,056 12,63514 80 0 12,635 0 137,744 82,380 89,267 79,421 0 79,421 2,383 81,803 477 82,280 12,63515 81 0 12,635 0 148,001 77,205 84,605 69,645 0 69,645 2,089 71,734 418 72,152 12,635

16 82 0 12,635 0 159,020 72,097 80,048 59,517 0 59,517 1,786 61,303 357 61,660 12,63517 83 0 12,635 0 170,860 67,085 75,628 49,025 0 49,025 1,471 50,496 294 50,790 12,63518 84 0 12,635 0 183,583 62,197 71,376 38,155 0 38,155 1,145 39,299 229 39,528 12,63519 85 0 12,635 0 197,256 57,466 67,329 26,893 0 26,893 807 27,700 161 27,861 12,63520 86 0 12,635 0 211,950 52,929 63,526 15,226 0 15,226 457 15,683 91 15,775 12,635

100,000 126,350 80,000 80,000 126,350

21 87 0 12,635 0 227,743 48,625 60,012 3,140 0 3,140 94 3,234 19 3,253 3,25322 88 0 12,635 0 244,717 44,598 56,834 0 0 0 0 0 0 0 023 89 0 12,635 0 262,961 40,896 54,044 0 0 0 0 0 0 0 024 90 0 12,635 0 282,570 37,571 51,699 0 0 0 0 0 0 0 025 91 0 12,635 0 303,646 34,681 46,827 0 0 0 0 0 0 0 0

26 92 0 12,635 0 326,299 32,289 42,078 0 0 0 0 0 0 0 027 93 0 12,635 0 350,556 30,375 37,386 0 0 0 0 0 0 0 028 94 0 12,635 0 376,356 28,826 32,590 0 0 0 0 0 0 0 029 95 0 12,635 0 404,450 28,340 28,340 0 0 0 0 0 0 0 030 96 0 12,635 0 434,646 28,670 28,670 0 0 0 0 0 0 0 0

100,000 252,700 80,000 80,000 129,603

31 97 0 12,635 0 467,100 29,914 29,914 0 0 0 0 0 0 0 032 98 0 12,635 0 501,982 32,182 32,182 0 0 0 0 0 0 0 033 99 0 12,635 0 539,473 35,591 35,591 0 0 0 0 0 0 0 034 100 0 12,635 0 579,769 40,271 40,271 0 0 0 0 0 0 0 0

100,000 315,875 80,000 80,000 129,603



“There are two systems of taxation in our country: one for the informed and one for

the uninformed." — Judge Learned Hand —



37


454

For advisors only. For advisors only.

What Takes Place During a Personal Consultation?

1. We have a discussion about your retirement goals and objectives. A

fact finder is completed.

2. I analyze your current financial position and make suggestions as to

what strategy or strategies to employ. I explain the details of my

proposal.

3. I name and then explain the intricacies of the financial instruments

to be utilized in my proposed program.

4. I set an appointment to review the plan or plans that I will draft in my

office.


The CTP Itself

Printed and Bound Sample Plan Exhibits at the Conclusion of the Presentation

Customized With Your Personal InformationFor advisors only.

For advisors only.


The Conference

The following are the slides that accompany the Presentation Manual. They should be downloaded to

your laptop’s desktop and then will be ready for projection on a screen during your presentation.

For advisors only.

“Anyone may arrange hisaffairs so that his taxesshall be as low as possible.He is not bound to choosethat pattern which best paysthe treasury. There is noteven a patriotic duty toincrease one’s taxes. Overand over again the courtshave said that there isnothing sinister in soarranging one’s affairs so tokeep taxes as low as possible.Everyone does it, rich andpoor alike and all do right fornobody owes any public dutyto pay more than the lawdemands.”

For advisors only.

Tax Advisor Ed Slott Expounds on Retirement Planning

YouTube video Plays

For advisors only.



IRA/401(k) isTOTAL

$34,000$27,000$61,000


A. IRA/401K $27,000

B. 50% of SSI $17,000




F. 50% of E $6,000



I. 35% of H $0






IRA/401(k) isTOTAL

$34,000

$27,001$61,001


A. IRA/401K $27,001

B. 50% of SSI $17,000




F. 50% of E $6,000.50



I. 35% of H .35





TAX TORPEDO AT WORK

13

$1.00

For advisors only.

COUPLE #1



TOTAL

$45,000$45,000

$0$90,000


A. IRA/401K $45,000

B. 50% of SSI $22,500




F. 50% of E $17,750



I. 35% of H $8,225





COUPLE #2



TOTAL

$70,000$20,000

$0$90,000


A. IRA/401K $20,000

B. 50% of SSI $35,000




F. 50% of E $11,500



I. 35% of H $3,850





COUPLE #3



TOTAL

$70,000$10,000$10,000$90,000


A. IRA/401K $10,000

B. 50% of SSI $35,000




F. 50% of E $6,500



I. 35% of H $350





If SSI is increased

$25,000 and



$10,000 and

replaced with tax

advantaged



Impact of delaying the Start of Social Security Benefits and Then Adding a Tax-Advantaged Source of Income

Delay receiving Social Security benefit to age 70 and add tax-advantaged source of income






Roth IRA37%


ROTH IRA$55,000


$5,500








$9,500













Year AgeTraditional IRA

Withdrawals

After-Tax

RMDs

Account

Value

Surrender

Value

Death

BenefitYear Age

Traditional IRA

Withdrawals

After-Tax

RMDs

Account

Value

Surrender

Value

Death

Benefit

1 68 3,200 76,020 21 88 76,020

2 69 76,020 22 89 76,020

3 70 3,246 76,020 23 90 76,020

4 71 3,365 76,020 24 91 76,020

5 72 3,498 76,020 25 92 76,020

6 73 3,626 76,020 26 93 76,020

7 74 3,729 76,020 27 94 76,020

8 75 3,903 76,020 28 95 76,020

9 76 4,049 76,020 29 96 76,020

10 77 4,177 76,020 30 97 76,020

11 78 4,332 76,020 31 98 76,020

12 79 4,466 76,020 32 99 76,020

13 80 4,604 76,020 33 100 76,020

14 81 4,746 76,020 34 101 76,020

15 82 4,888 76,020 35 102 76,020

16 83 76,020 36 103 76,020

17 84 76,020 37 104 76,020

18 85 76,020 38 105 76,020

19 86 76,020 39 106 76,020

20 87 76,020 40 107 76.020


33

Year AgeAnnuity



“REAL MONEY”

Income Tax on Roth

Conversion



CD at Bank 2.35%¹


1 55 $100,000 $10,000 $2,500 $100,000 $100,000

2 56 $90,000 $20,000 $2,500 $107,000 $102,350

3 57 $80,000 $30,000 $2,500 $114,490 $104,755

4 58 $70.000 $40,000 $2,500 $122,504 $107,217

5 59 $60,000 $50,000 $2,500 $131,079 $109,737

6 60 $50,000 $60,000 $2,500 $140,255 $112,316

7 61 $40,000 $70,000 $2,500 $150,073 $114,955

8 62 $30,000 $80,000 $2,500 $160,578 $117,656

9 63 $20,000 $90,000 $2,500 $171,818 $120,421

10 64 $10,000 $100,000 $2,500 $196,715 $123,551




For advisors only.





1 55 13,888 0 10,000 8,834 2,547 161,5352 56 13,888 0 10,000 18,263 12,126 170,9643 57 13,888 0 10,000 28,326 22,342 181,0274 58 13,888 0 10,000 39,079 33,249 191,7805 59 13,888 0 10,000 50,566 44,892 203,267

6 60 13,888 0 10,000 62,838 57,322 215,5397 61 13,888 0 10,000 75,945 71,716 228,6468 62 13,888 0 10,000 89,943 87,124 242,6449 63 13,888 0 10,000 104,895 103,486 257,59610 64 13,888 0 10,000 120,876 120,876 273,577

138,880 0 100,000

11 65 0 13,745 0 129,383 115,269 215,26912 66 0 13,745 0 138,550 109,615 200,44813 67 0 13,745 0 148,550 104,054 184,88714 68 0 13,745 0 159,397 98,562 168,54815 69 0 13,745 0 171,174 93,183 151,392

16 70 0 13,745 0 183,877 87,871 133,37717 71 0 13,745 0 197,547 82,626 114,46318 72 0 13,745 0 212,253 77,472 100,81919 73 0 13,745 0 228,068 72,433 92,95920 74 0 13,745 0 245,069 67,538 84,693

138,880 100,000

21 75 0 13,745 0 263,342 62,820 75,98722 76 0 13,745 0 282,980 58,318 72,46723 77 0 13,745 0 304,088 54,077 69,28224 78 0 13,745 0 326,774 50,148 66,48725 79 0 13,745 0 351,157 46,585 64,143

26 80 0 13,745 0 377,364 43,449 62,31827 81 0 13,745 0 405,531 40,807 61,08328 82 0 13,745 0 435,806 38,731 60,52129 83 0 13,745 0 468,345 37,302 60,71930 84 0 13,745 0 503,319 36,609 61,775

138,880 100,000

31 85 0 13,745 0 540,909 36,749 63,79432 86 0 13,745 0 581,311 37,828 66,89433 87 0 13,745 0 624,736 39,964 71,20134 88 0 13,745 0 671,409 43,284 76,85535 89 0 13,745 0 721,574 47,928 84,007

35 90 0 13,745 0 775,491 54,049 92,823

36 91 0 13,745 0 833,442 61,813 95,151

37 92 0 13,745 0 895,728 71,404 98,275

38 93 0 13,745 0 962,379 82,724 101,971

39 94 0 13,745 0 1,033,185 95,432 105,764

138,888 100,000

40 95 0 13,745 0 1,110,419 111,664 111,664

41 96 0 13,745 0 1,193,431 130,624 130,624

42 97 0 13,745 0 1,282,653 152,590 152,590

43 98 0 13,745 0 1,378,548 177,868 177,868

44 99 0 13,745 0 1,481,617 206,788 206,788

45 100 0 13,745 0 1,592,395 239,711 239,711

138,880 100,000







1 67 20,000 0 16,000 13,864 5,199 202,561 0 16,000 16,000 480 16,480 96 16,576 02 68 20,000 0 16,000 28,623 19,958 217,320 16,576 16,000 32,576 977 33,553 195 33,749 03 69 20,000 0 16,000 44,336 35,671 233,033 33,749 16,000 49,749 1,492 51,241 298 51,540 04 70 20,000 0 16,000 61,060 52,395 249,757 51,540 16,000 67,540 2,026 69,566 405 69,971 05 71 20,000 0 16,000 78,854 70,190 267,551 69,971 16,000 85,971 2,579 88,550 645 89,195 0

6 72 0 0 0 83,087 76,155 100,000 89,195 0 89,195 2,676 91,871 535 92,406 07 73 0 0 0 87,680 82,481 100,000 92,406 0 92,406 2,772 95,178 693 95,871 08 74 0 0 0 92,594 89,128 100,000 95,871 0 95,871 2,876 98,747 575 99,323 09 75 0 0 0 97,853 96,120 102,745 99,323 0 99,323 2,980 102,302 745 103,047 0

10 76 0 0 0 103,479 103,479 108,653 103,047 0 103,047 3,091 106,139 618 106,757 0100,000 0 80,000 80,000 0

11 77 0 12,635 0 111,111 98,170 103,726 106,757 0 106,757 3,203 109,960 641 110,600 12,63512 78 0 12,635 0 119,340 92,876 98,843 97,965 0 97,965 2,939 100,904 588 101,492 12,63513 79 0 12,635 0 128,205 87,609 94,019 88,857 0 88,857 2,666 91,523 533 92,056 12,63514 80 0 12,635 0 137,744 82,380 89,267 79,421 0 79,421 2,383 81,803 477 82,280 12,63515 81 0 12,635 0 148,001 77,205 84,605 69,645 0 69,645 2,089 71,734 418 72,152 12,635

16 82 0 12,635 0 159,020 72,097 80,048 59,517 0 59,517 1,786 61,303 357 61,660 12,63517 83 0 12,635 0 170,860 67,085 75,628 49,025 0 49,025 1,471 50,496 294 50,790 12,63518 84 0 12,635 0 183,583 62,197 71,376 38,155 0 38,155 1,145 39,299 229 39,528 12,63519 85 0 12,635 0 197,256 57,466 67,329 26,893 0 26,893 807 27,700 161 27,861 12,63520 86 0 12,635 0 211,950 52,929 63,526 15,226 0 15,226 457 15,683 91 15,775 12,635

100,000 126,350 80,000 80,000 126,350

21 87 0 12,635 0 227,743 48,625 60,012 3,140 0 3,140 94 3,234 19 3,253 3,25322 88 0 12,635 0 244,717 44,598 56,834 0 0 0 0 0 0 0 023 89 0 12,635 0 262,961 40,896 54,044 0 0 0 0 0 0 0 024 90 0 12,635 0 282,570 37,571 51,699 0 0 0 0 0 0 0 025 91 0 12,635 0 303,646 34,681 46,827 0 0 0 0 0 0 0 0

26 92 0 12,635 0 326,299 32,289 42,078 0 0 0 0 0 0 0 027 93 0 12,635 0 350,556 30,375 37,386 0 0 0 0 0 0 0 028 94 0 12,635 0 376,356 28,826 32,590 0 0 0 0 0 0 0 029 95 0 12,635 0 404,450 28,340 28,340 0 0 0 0 0 0 0 030 96 0 12,635 0 434,646 28,670 28,670 0 0 0 0 0 0 0 0

100,000 252,700 80,000 80,000 129,603

31 97 0 12,635 0 467,100 29,914 29,914 0 0 0 0 0 0 0 032 98 0 12,635 0 501,982 32,182 32,182 0 0 0 0 0 0 0 033 99 0 12,635 0 539,473 35,591 35,591 0 0 0 0 0 0 0 034 100 0 12,635 0 579,769 40,271 40,271 0 0 0 0 0 0 0 0

100,000 315,875 80,000 80,000 129,603



Sample Plans to be exhibited at before the conclusion of the conferences


Pub. Templates for Point-of-Sale Exhibit Booklet Pub. Templates

for Stationary

Business Cards


After the Conferences

For advisors only.

Pub. files supplied so you can print plans and leave them with the client upon policy delivery


We will set up your own website dedicated to the program. It will be customized with your company

information, personal bio, and contact information, etc.For advisors only.

http://www.retirewellsamplesite.com/

http://www.retirewellsamplesite.com/

We request that you use the name RETIREWELL,along with the logo and tag line associated with the

company name.It will appear as follows in your materials

Instead of A GARMAR Financial Company , it will read whatever you choose it to read. i.e. A Safe Harbor Financial Company

A GARMAR Financial Company

For advisors only.

What’s Included in Your System

• Written permission to use the name RETIREWELL, tag line, and logo associated with the name in this program.

• Access to printing and mailing services relative to the program invitations including customization of the invitations for each event or events to be held.

• Customization/personalization of all presentation and point-of-sale materials.• Pdfs. or MS pub. files for printing the manual, speaker notes, brochure, hand-outs, cover

pages, stationary, etc.• Actual samples of all the materials included in the program so you see what the finished

products will look like prior to printing.• Permanent access to the on-line “Carve-Out” & Convert Calculation and RMD Illustration

software program including training and coaching.• A matrix of outside vendors for specialty papers, services, etc.• A customized website dedicated exclusively to the program.• 1000 full color tent-style business cards printed on heavy weight high gloss stock.• Program updates as they become available.• Lifetime one-on-one coaching and mentoring including ongoing case design.

For advisors only.

One-On-One Mentoring and Coaching

The most important facet of the program

• Training on how to implement the 4 strategies.• Roth IRA “Carve-Out” & Convert Calculator training.• Instruction on the printing and assembly process.• Coaching on how to deliver the presentation.• Case design.• Rapid response to your calls for assistance. Calls

accepted in the evening and on weekends.

For advisors only.

Information That We Will Need From You

1. The company name you wish to use as the parent company for RETIREWELL.2. Contact information including business address, telephone and fax numbers,

email address, etc.3. Your bio including a picture (resolution at least 300 dpi).4. Client Testimonials (optional).

• The time and date of your event(s).• The name of the venue, street address, city.• Type of food service.• Reservation Hotline Phone Number including times to call for reservations.

For each mailing you do:

For advisors only.

Program Participation Fee

I CAN ONLY ACCOMODATE 50 AGENTS (NATIONWIDE)

The entire RETIREWELL System, including everything you’ve seen is only

$1,495This is a one-time only cost. No extras, add-on’s or annual renewal fees.

Over 300+ hours have gone into this project. If you were to commission it yourself the minimum cost would be $9,000.00 (calculated at $30.00 per hour).

For advisors only.

Please feel free to contact me

Gary Marcus248.489.1435

Email: [email protected]

For advisors only.

Retirewell system overview for advisors 2

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