Retirement & Asset Protection Educational Workshop* For Those Who Are Retired Or May Be Retiring in 10 – 15 years Presented by NMIN Alliance Working with public and private groups and individuals for over 40 years *All products that are recommended are from A+ or A rated insurance companies.

Retirement & Asset Protection Educational Workshop There are many things to think about when retirement comes to mind: Taxes Income Legal, Life and ID Protection And the most important – Living too Long!

Retirement & Asset Protection Educational Workshop Let us first discuss the Accumulation of Funds …… will you have enough, …… will it last and …… Do you have the right products that will meet your needs Here’s something to think about …

Retirement & Asset Protection Educational Workshop …. How did your 401(k) do in the last 5 years? Sure, the market has done well in that last few years, but if you are the average person you lost about 40% and hopefully you’re just catching up! The U.S. Government is propping up the stock market to the tune of billions of dollars a month! What do you think the economy and the market will do when they stop? And they will!

Retirement & Asset Protection Educational Workshop PLUS – Congress has had meetings over the course of the last two years about taking over your 401(k), paying you a penitence, make you take a pension and thus, losing control of your money. If you are about to retire in the next 5, 10 or 15 years, how much money will you have in your 401(k), if you still have it, when you do?

Retirement & Asset Protection Educational Workshop And, if you’re retired or not, you can’t afford to lose your hard earned money either by the market or by government intervention and you don’t know what to do – Right? We have the answer …

Retirement & Asset Protection Educational Workshop What if you could reposition any portion of your 401(k) into a plan and … Pay no penalties or taxes on transfers Get a 100% guarantee of your principle and 5% immediate interest credit on every contribution paid in the first 7 years PLUS – when the market rises, you enjoy a return, if it drops the account stays level, but you’re still earning the 5% on new monies.

Retirement & Asset Protection Educational Workshop Premiums paid and interest credited are not subject to market risk Never outlive your savings! The Guaranteed Lifetime Income Rider (GLIR) can give you the paycheck for life that you need for a secure retirement. So what is the Guaranteed Lifetime Income Rider?

Retirement & Asset Protection Educational Workshop By having the GLIR you can receive specified withdrawal payments for your life or for the joint (your spouse) lifetime even if the withdrawal payments completely deplete the values in the annuity! You can receive a monthly, quarterly, semi- annually or annual installment. You can stop, re-start or change the size of the payment at any time.

Retirement & Asset Protection Educational Workshop You can begin taking payments when the you have attained age 60 and the policy has been in force for at least one year and when all policy loans, if any, have been paid. For further information on this excellent and very flexible product, select the Click Here button at the end of this workshop.

Retirement & Asset Protection Educational Workshop Split Annuity Or maybe you have a lump sum in a CD (Certificate of Deposit) or other type product and you want to use it more to your advantage. You can use your money to your advantage using a product(s) called a Split Annuity. The Split Annuity is a combination of two different annuities – a Fixed and a Immediate, and used together can provide you income and at the end of a period of time, restoring your original amount.

Retirement & Asset Protection Educational Workshop Immediate Annuity $41,457 $100,000 Deferred Annuity $58,453 At 5.50% Monthly Income $427.98 For 10 years, for which Will grow in 10 years to 81% Is not taxed Total Income, before taxes $51,357.60 Original Amount

Retirement & Asset Protection Educational Workshop But, what if you took the $427.98 per month and purchased a Medicare Supplement with drug card for you and your spouse. (just an example you may use the funds for anything) The premium for both Medicare Supplements with drug card would be about $300/month. At the end of 10 years you would have your original $100,000 back. So what did it cost you for your Medicare Supplement Plans? ….. Nothing!

Retirement & Asset Protection Educational Workshop Single Premium Whole Life Do you have an amount of money maybe in a CD that’s ear marked for a relative like a niece or a grandchild? Money that you don’t touch, money that will go to them at your passing. Let’s say that amount is $10,000 and you have it in a CD earning 1.5%. You can turn that $10,000 into $25,000 (± depending on product and age) and now when you pass you can give that relative $25,000± - Tax Free and earn more money! Again, use the Click Here link at the end.

Retirement & Asset Protection Educational Workshop Life Insurance Everyone needs life insurance and it plays a very important part of Retirement Planning. There is Whole Life, Universal and Term Life to name a few – but which is best for you and how much do you need? One of our Retirement Planners will consult with you and together, will determine the need, type and amount of coverage. Of course …. no obligation, no pressure.

Retirement & Asset Protection Educational Workshop Medicare Coverage Advantage or Medicare Supplement Plan, which one is the best for you? Some plans have more coverage than others, some have higher premiums, some have no premium at all! One of our Retirement Planners will consult with you and together, will determine the need, type and amount of coverage. Of course …. no obligation, no pressure.

Retirement & Asset Protection Educational Workshop Sure Card Benefits Sure Card Benefits plays a definite part of Retirement Planning as Sure Card provides protection for yourself and your hard earned money. When you use just one or two of the benefits, you can more than pay for the cost. Coverage includes:

Retirement & Asset Protection Educational Workshop ID Theft – the complete package, monitoring, insurance, keylogging defense, restoration and legal services. Legal Plan – Free Will and Trust , free and discounted professional services. Tax Plan – FREE 1040, 1040A and 1040EZ returns plus valuable tax advice. Financial Education & Credit Counseling – Professional assistance and solutions from trained counselors to help you strengthen your credit

Retirement & Asset Protection Educational Workshop Points of Care – Access to substantial discounts on medical related products such as Prescription Drugs, Mail Order Rx, Over the Counter Products, Durable Medical Equipment and Diabetes Supplies. The Savings Outlet – Provides links to a growing number of approved money-saving websites, everything from computers and clothing to auto parts with everything in between! Family Coverage is only $10.95 a month!

Retirement & Asset Protection Educational Workshop There are so many things to think about and plan for – Will you have to much time left after the end of your money? Are your funds safe and do you have access to them when you want or need to? Are you protected if you die too soon? Do you have adequate medical coverage? And the list goes on and on So, what do you do?

Retirement & Asset Protection Educational Workshop Talk to one of our Retirement Planners, they will advise you and guide you through the maze of products and services the make up Retirement Planning. For a no obligation, no pressure appointment please Click Here and one of our planners will contact you. If we can answer any questions for you please call 888-277-4456 x204 or email William Fjeran at wf@nminalliance.com No Pressure, No Obligation – Just Peace of Mind