PowerPoint Presentation

Changing the Way America Saves Money and Builds Wealth.

Ronald Bloomingkemper, Chairman

Ronald Petrinovich, CEO / President

William St Clair, COO / Vice President

Changing the Way America Saves Money and Builds Wealth.

Dave Ramsey

Opposes cash value life productsGives Bad Money AdviceLies to the consumer on what is reality

Lets analyze his so-called expert advice.

32 Year - Old

Save 15% of $40,000 = $ 6,000/yearMutual Funds Inside a 401kDie at 52 no life insuranceAccording to Dave Ramsey has saved $500,000 - $700,000 in a mutual fund.

This has Nothing to do with Life Insurance

Turning $6,000/year into $500,000 - $700,000 in 20 yearsIs this really possible? Lets take a look! Based on Dave Ramseys Assumptions

Turning $6,000/year into $700,000 in 20 years?

Presto $700,000

Seems a little pie in the sky dont you think?

You need to Save $6,000 a yearGrowing at 15% Compounded AnnuallyZero Fees and Commissions - $0.00Zero Tax Rate 0.0%

Dave Ramsey Absolutely Pie in the Sky

Back Here on Earth lets be more realistic

$ 6,000 savings10% Compound Return1.5% Fees & Commissions25% Tax Rate

$232,000 After-Tax CashFar Cry From His $500k to $700k He Promised in his Video.

Daves Ramsey Optimistic Plan lets Cut by 5%

Based on Dave Ramseys Assumptions

$ 6,000 savings8% Compound Return2.5% Fees & Commissions30% Tax Rate$150,000 After-Tax Cash To WifeTotal investment $120,000

Realistic Plan

Daves Wish Plan

$ 6,000 savings10% Compound Return1.5% Fees & Commissions25% Tax Rate$232,000 After-Tax CashTo WifeTotal Investment $120,000

But According To Dave Ramseys Bull---- PLAN Presto! $500,000 to $700,000! Is this Reality?

Based on Dave Ramseys Assumptions!

The Ultimate! Real Life Plan!

IUL Cash ValueLife Insurance Saving Plan with Living Benefits Continue to Save $6k/Year Dies at 52 years old $593,199 TAX FREE Guaranteed To Wife No Pie In The Sky! GuaranteedBased on current Assumptions

But What If He Lives?

Life Insurance Savings Plan with Living Benefits and Tax Free IncomeContinue to Save $6k/YearStop @52 Benefits Chronic Illness $5,603 per Month Tax FreeCritical Illness Living Benefit $475,426 Tax FreeTerminal Illness $449,999 Tax Free Income Benefits $35,209/Year Tax-Free to age 100Total Benefits to Him and Family$1,760,540 by age 100Dies at 100 - $556,512 Tax-Free to FamilyTotal Value: $2,317,052 His Investment: $120,000 Based on current Assumptions

But What IF He Continues To Save ?

Life Insurance Savings Plan with Living Benefits and Tax Free IncomeContinue to Save $6k/YearStop @70 Benefits Chronic Illness $25,106 per Month Critical Illness Living Benefits $1,000,000Terminal Illness $1,165,909Death Benefit over $1,300,000 Income Benefits $185,843/Year Tax-Free to Age 100Total Benefits to Him and Family$5,575,290 by Age 100Dies at 100 - $1,342,641 Tax-Free to FamilyTotal Value: $6,918,231 His Investment: $180,000 Based on current Assumptions

Daves Ramseys Famous Quote? Live Like No One ElseBecause Your Not Living!

Here At FEG Our Quote? Changing The Way America Saves Money And Builds Wealth!