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The Legacy Optimizer Strategy INSERT LOGO The Legacy Optimizer Strategy Leave a Legacy to Your Beneficiaries with Life Insurance [This is an insurance sales presentation. (as required by AR, CA, IL, TX, OK)] [Producer Name], Insurance Professional and Investment Adviser Representative [Company Name]["and Insurance Services" (required in CA)] [Phone Number] [Email] [Website] [State Insurance License #XXXXXX (required in AR, CA)] [Investment Advisory Disclosure] AE08173094C

Disclosures Throughout the presentation, we may generally discuss different financial vehicles; however, nothing I say should be construed as a recommendation to buy or sell any financial vehicle, nor should it be used to make decisions today about your investments. I am a licensed insurance producer and an investment adviser representative of [Registered Investment Adviser Name], and my goal with this presentation is to expose you to ideas and financial vehicles that may help you work towards your financial goals. Please understand that I cannot make any promises or guarantees that you will accomplish such goals. All investments are subject to risk including the complete loss of principal. This presentation is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that [Firm Name] and its representatives do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Despite efforts to be accurate and current, this presentation may contain out-of-date information; we are under no obligation to advise you of any subsequent changes related to the topics discussed in this presentation. At the end of the seminar, you will be provided an opportunity to visit with us one-on-one to discuss your specific circumstance in a private, comfortable setting. There is no obligation to you for this visit. At this visit you may be provided with information regarding the purchase of insurance or investment products, or establishing an advisory relationship. Read Slide; do not gloss over these; make sure you cover each of them in sufficient detail to ensure prospect understanding

Congratulations! If you are here with me today, that means that you are either focused on continuing to build your retirement assets, or you are already at a point you are comfortable with and are looking for more information on how to manage what you’ve saved during retirement. Either way….congratulations on all of your hard work!   As part of our overall retirement planning, many of us have purchased IRAs for the potential growth they provide and annuities for guaranteed income. However, I am seeing more and more clients who…by the time they reach retirement….have one or more of these assets that they no longer need to tap into to supplement their retirement income. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Life insurance is not bank or FDIC insured.

Passing it On What is happening to these IRAs and annuities if they are no longer needed for income? I think we can all agree that this is a “good problem to have,” but what generally happens to those IRAs and annuities? They are getting passed on to children and grandchildren. While this is certainly a viable option, and a wonderful gesture, are you aware of the potential tax liability you could be leaving for them along with a generous portion of your wealth?

Passing it On A Hypothetical Example: Mr. Smith, age 65, owns a $625,000 IRA Mrs. Smith is also age 65 Wish to leave Mr. Smith’s IRA to their daughter, Beth Let’s assume: 3% annual interest rate Required Minimum Distribution at 70 ½ 35% income tax bracket1 1Assumed 35% combined federal and state income tax This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary. Let’s take a look at a quick example of how this scenario might play out for Mr. Smith. Mr. Smith is 65 years old and has an IRA currently worth $625,000. He has decided that this particular asset will be passed to his daughter when he passes away as he does not need it for his retirement income. Now, let’s assume his IRA is growing at 3% every year, and that he starts to take his RMD at age 70.5. Let’s also assume that his daughter would have a 35% income tax liability when she inherits the IRA.

Passing it On Beth has a $187,542 tax bill! Mr. Smith passes away Mr. Smith’s (65) IRA $625,000 3% growth rate RMDs at 70 1/2 20 year Value $890,771 Taxes 35% combined federal and state Net to Beth $703,229 Mr. Smith passes away Beth has a $187,542 tax bill! Here is how the numbers work. Mr. Smith’s IRA grows at 3% up until right around his life expectancy, which we are assuming 20 years. That would put his IRA value right around $890,000 at the time he passes away. When that IRA is left to his daughter Beth, there will be a $187,000 tax liability, leaving Beth with only $703,000. This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.

Is There Another Way? Increase Mr. and Mrs. Smith’s financial legacy Eliminate Beth’s tax liability Keep IRA intact for future needs….just in case $703,000 is hardly an insignificant amount, and I think we can all agree that Beth would be very grateful for it, but what if there was a way Mr. Smith could increase the amount he could leave to Beth, and eliminate her tax liability? All the while, still keeping the IRA intact….just in case Mr. Smith decided that he did in fact need that asset down the road? This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.

The Legacy Optimizer Strategy Withdrawal¹ $625,000 x 5% = $31,250 $31,250 less 35% taxes* = $20,313 Reposition $20,313 → annual life insurance premium Result $969,418 income tax-free death benefit**(Assumes preferred nontobacco rates for Mr. Smith.) *Assumed combined federal and state income tax **If properly structured, proceeds from a life insurance policy are generally income-tax free to the beneficiary. ¹Surrender of and/or withdrawal charges from an annuity contract may be subject to surrender charges, market value adjustments and/or taxation as ordinary income and if taken prior to age 59 ½ may be subject to a 10% IRS penalty tax. This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary. Through the Legacy Optimizer Strategy, you can. Lets continue to use Mr. Smith as our example. Mr. Smith like the idea of increasing the amounts of money he can leave his daughter Beth. He withdraws 5% from his IRA, which equates to $31,250. He pays the taxes on this withdrawal, netting him $20,313. This remaining $20,313 is used to purchase a no-lapse guarantee 2nd to die life insurance policy with Beth as the beneficiary. By repeating this withdrawal annually to pay his premiums, Mr. Smith has secured a death benefit of $969,418 income tax free for his daughter.

Potential Increase to Beth Legacy Optimizer Strategy** The Impact After-Tax Death Benefit In: 10 Years 20 Years Potential Increase to Beth 135% 62% Legacy Optimizer Strategy** $1,275,538 $1,140,972 Existing IRA* $542,976 $703,229 *Assumes 3% growth on the IRA and 35% combined federal and state income tax on the distribution. **Includes qualified annuity death benefit and life insurance death benefit. Take a look at these numbers. In 10 years, if Beth is only left the IRA, she would inherit almost $543,000 after taxes. If Mr. and Mrs. Smith use the Legacy Optimizer Strategy, Beth would receive the remaining death benefit (after taxes) of the IRA plus the tax-free life insurance death benefit….or over $1.2 million dollars. Mr. and Mrs. Smith would be increasing the amount of financial legacy they leave their daughter by 135%. After 20 years, it’s a bit less due to the IRA account being drawn down over another 10 years, but the increase in financial legacy is still 62%. These are impressive numbers. This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.

Things to Consider… Life Insurance Medical and financial underwriting Premiums leveraged into larger, income tax-free death benefit New set of surrender charges The IRA or annuity is being drawn down slowly over time, keeping the asset intact Taxes due on withdrawals2 Balance has continued interest earning potential Available for emergencies Death benefit 2Surrender of and/or withdrawal charges from an annuity contract may be subject to surrender charges, market value adjustments and/or taxation as ordinary income and if taken prior to age 59 ½ may be subject to a 10% IRS penalty tax. How does this sound. If you truly have an asset you are not planning to use for income, and intend to pass it on after you’re gone, this could be a strategy for you to consider. Keep in mind, that we are talking about life insurance. There are medical and sometimes financial underwriting depending on the amount of death benefit you wish to leave. When I think about life insurance I equate it to getting dollars in exchange for pennies. The premiums going in immediately purchase a substantially larger, and income tax-free, death benefit for your beneficiary. That death benefit amount is there from day 1, even after just one premium payment. That is powerful leverage for your money, especially in the early years. Keep in mind, with your death benefit comes a new set of surrender charges, but just like other assets with surrender charges, they will only come into play if you remove funds above and beyond any sort of free-withdrawal provisions.   The Legacy Optimizer Strategy provides an increased death benefit with life insurance all while keeping your existing asset intact since we are only withdrawing a small portion every year. The balance after withdrawal is still eligible for interest earning potential. Additionally, if there is a change of plans or an emergency and those funds are needed after all, you will have both assets in place to be able to access funds.

Ready to Take a Closer Look? [Producer Company Name/Logo/Contact Info/Etc. placed here] If you are ready to take a closer look to see how this may look for your unique situation, let’s schedule some time to do a thorough evaluation.