MASTER System for Retirement Income

FINANCIAL CONSULTANTS

MASTERTM SystemFor high-net-worth individuals and couples

Never Run Out of Money?

How do you guarantee that you will not outlive your income?

More Money. Less Taxes.

How can you guarantee to increase your monthly income and pay less taxes simultaneously?

Case Study

Richard & Helen

Richard & Helen

Both Richard & Helen are Retired• Social Security• No Pension

Richard & Helen

Both Richard & Helen are Retired• Social Security• No Pension

Enjoy International Travel• Vacation 2-3 times a year• Need care for disabled son when traveling

Richard & Helen

Both Richard & Helen are Retired• Social Security• No Pension

Enjoy International Travel• Vacation 2-3 times a year• Need care for disabled son when traveling

Substantial Net Worth• Real Estate (residence & raw land)• $1 million cash and marketable securities

Richard & Helen Have…

4CONCERNS

Concerns

1Both of their families have histories of longevity.

Concerns

2Concerned that they might run out of money.

Concerns

3Worried about supporting disabled son in the future.

Concerns

4Would love to reduce their income tax liability.

STRATEGY…Is There A

CONCERNS?

…That Addresses

4ALL

MASTERTM System

Multiple Asset Strategy for Tax, Estate & Retirement

A Strategy for Richard & Helen

MASTER System

Solves the risk of running out of money during retirement.

1

A Strategy for Richard & Helen

MASTER System

Minimizes income taxes.

2

A Strategy for Richard & Helen

MASTER System

Provides for the efficient management of their estate.

3

How?

MASTER System preserves and protects principal...

How?

…by providing a system for an advisor to mathematically structure their accounts.

MASTERTM Allocation

Leave On Dollars

Live OnDollars

MASTERTM Allocation

Years 1-5

Years 6-10

Years 11-15

Years 16+

Year 1-5 6-10 11-15 16+

Start $216,470 $169,961 $132,890 $481,010

Richard & Helen’s Allocation

How is Allocation Calculated?

Among other factors…

Objectives

Age

Risk

Tolerance

Assumed Inflation

% Rates

Other

Assets

The hypothetical example used in this presentation is for illustrative purposes only. It is not investment advice. It assumes a 5% annual rate of return, and does not represent specific investments or insurance contracts. Actual results may vary.

Year 1-5 6-10 11-15 16+

Start $216,470 $169,961 $132,890 $481,010

Monthly Income$3,705

Richard & Helen’s Allocation

Year 1-5 6-10 11-15 16+

Start $216,470 $169,961 $132,890 $481,010

6 0 $216,470 169,961 613,910

Monthly Income$3,705

Richard & Helen’s Allocation

All Spent

Year 1-5 6-10 11-15 16+

Start $216,470 $169,961 $132,890 $481,010

6 0 216,470 169,961 613,910

11 – 0 $216,470 783,520

Monthly Income$3,705

Richard & Helen’s Allocation

All Spent

Year 1-5 6-10 11-15 16+

Start $216,470 $169,961 $132,890 $481,010

6 0 216,470 169,961 613,910

11 – 0 216,470 783,520

16 – – 0 $1,000,000

Richard & Helen’s Allocation

All Spent

Use the 4th Bucket to Start All Over

Are Richard & Helen Relieved?

Question: Does the MASTERTM System accomplish Richard and Helen’s objectives?

Concerns

1Both of their families have histories of longevity.

Concerns

2Concerned that they might run out of money.

Concerns

3Worried about supporting disabled son in the future.

Concerns

4Would love to reduce their income tax liability.

Richard & Helen’s Assets

$1 Million Investment Portfolio

Stocks: $100,000

Muni Bonds: $200,000

MM Funds: $100,000

CDs: $600,000

Before MASTERTM System

Generate?

What do these

Assets

Taxable Income

Assets

After Richard & Helen

Reposition Their

Richard & Helen’s Taxes

IRS Form 1040–Short OverviewUsing MASTERTM

System

Line Description Before After

35 Adjusted Gross Income $96,786 $38,203

Richard & Helen’s Taxes

IRS Form 1040–Short OverviewUsing MASTERTM

System

Line Description Before After

35 Adjusted Gross Income $96,786 $38,203

72 Tax Liability—Amount You Owe 21,875 3,072

Richard & Helen’s Taxes

IRS Form 1040–Short OverviewUsing MASTERTM

System

Line Description Before After

35 Adjusted Gross Income $96,786 $38,203

72 Tax Liability—Amount You Owe 21,875 3,072

After-tax Cash Flow $103,378 $131,657

$28,279 More

Richard & Helen’s Taxes

Summary

Using MASTERTM System

Item Was Now

After-tax Annual Income $103,378 $131,657

Richard & Helen’s Taxes

Summary

Using MASTERTM System

Item Was Now

After-tax Annual Income $103,378 $131,657

After-tax Monthly Income 8,615 10,971

Richard & Helen’s Taxes

Summary

Using MASTERTM System

Item Was Now

After-tax Annual Income $103,378 $131,657

After-tax Monthly Income 8,615 10,971

Monthly Increase Cash Flow - $2,356

IMPORTANT NOTE: Richard and Helen have reduced their taxable Social Security benefits by $12,220 (71.17%)!

Concerns

4Would love to reduce their income tax liability.

Think About This …

Using the MASTER System

We Can Help You…

…mathematically redesign your portfolio so you’ll never run out of money.

We Can Help You…

Significantly increase your monthly income stream.

We Can Help You…

Dramatically reduce your taxes.

Major Implications for…

…how you make certain that you do not outlive your income.

Major Implications for:

How your estate and taxes should be planned.

Remember

It’s not just what you earn…

Remember

It’s what you keep that counts!

That was an Income Strategy

Protect Against or Avoid Strategy

Market Risk / Sequence Risk Indexed Annuities

Outliving Assets / Taxes MASTERTM System

& Tax

^

Consider…

What would happen to your financial stress and anxiety if you knew that you would not run out of money during retirement?

1

What Should You Bring?

Bring these to your free confidential consultation:

Completed “Client Questionnaire”

2

3

4

5

6

7

Your Spouse Needs to Come!

Tax Returns

Copies of All Investment Statements

Estate Plan

Copies of All Life Insurance Policies

List of Questions

Complete the contact info at the bottom of the “Presentation Evaluation Sheet.”

3 Raise your hand when your sheet is completed to enter the drawing.

1

Client Confidential Questionnaire

Please make a note of the date and time of your personal consultation.

2

FINANCIAL CONSULTANTS

Thank you for attending.

We sincerely hope you feel you have

benefited from our presentation.

Retirement Planning