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FIA is a One-Stop Financial Center, helping people take charge of their family’s future. 2 FIA helps bring Equity Indexed Products to middle America by helping clients make money when the stock market is up, never losing money when the market is down and accessing their money tax free at retirement. FIA offers a variety of insurance products such as indexed life, indexed annuities, term insurance and more. One-Stop Financial Center

3 The Great Consumer Dilemma 3 Tracking 100 Americans from age 25 to 65 … 36 will be dead … 54 will be DEAD BROKE … 5 will still be working … 4 will be financially secure and 1 will be Financially Independent Where does your money go? The Facts Of Life Insurance Savings/ Investments Living Expenses Consumer Debt 21% Mortgage 21% Taxes 28% What did the 5 financially successful Americans do differently?

4 4 The 4 Cornerstones of Finance Long Term Savings Debt & equity Management Emergency Fund Proper Protection Life Insurance 6 Month Cash Reserve Retirement & Investment Accounts Loan Modification & Refinance

Age 2% Money Doubles Every 36 Years 29 $100, $200,000 * These hypothetical examples are for illustrative purposes only and do not represent any particular investment vehicle. The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of return. The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty. The Rule of 72 Divide 72 by the interest rate to estimate the number of years it takes for your money to double. Age 8% Money Doubles Every 9 Years 29 $100, $200, $400, $800, $1,600,000 Age 10% Money Doubles Every 7.2 Years 29 $100, $200, $400, $800, $1,600, $3,200,000 The person with the most “doubles” wins. Average 401kActive Money ManagementIndexed Products * Average 401k taken from the book “The Great 401(k) Hoax” by William Wolman 5 Albert Einstein's 9 th Wonder: Compound Interest

The Cost of Waiting to Invest Years until Retirement $ $448 30$ $1,056 20$1,687 15$2,843 10$5,330 5 $13,160 Monthly Savings Procrastination – The high cost of waiting Time can be your greatest ally or your greatest enemy. The key is to get started now. Below are monthly savings amounts needed to achieve $1,000,000 at retirement, assuming a tax-deferred 8% interest rate. Make time your greatest ally. Get started today.

How Taxes Affect Investments 7 Tax Deferred Accumulation Tax Free Distribution Tax Deductible Contribution Which would you choose? You can only get two of the three! Maximize Your Tax Advantages Farmer who didn’t think.

What is the Perfect Account? -Good Returns -Compound interest – Rule 72 -Safety - Tax free growth -Tax free income -Access/Liquidity

The Great Consumer Dilemma Rate of Return Test? Which investments Do not pass the: Liquidity Test? Safety Test? 1.Commodities 2.Business Ventures 3.Limited Partnerships 4.Raw Land 5.Speculative Common Stocks 6.Lower Quality Bonds 7.Investment Real Estate 8.Blue Chip Stocks 9.High Yield Bonds 10.Mutual Funds 11.CD’s 12.Investment Grade Insurance 13.Money Market Funds 14.U.S. Treasury Bills 15.Annuities 16.Equity in House Tax Test?

Safety of Principal Fixed Products 1% to 4% Risk of Principal Variable Products Upside Potential Indexed Products 10 Types of Investments: TIC-TAC-TOE

 They are fixed interest rate products that earn interest based on the potential of an index  Protect your principle and earned interest from loss  Long term savings vehicles designed to accumulate cash on a tax deferred basis  Guarantee a lifetime of income. 11 What are Equity Indexed Products

$150,000 $140,000 $130,000 $120,000 $100,000 $160,000 $170,000 $90,000 $110,000 $100,000 Invested in 1997 Indexed AccountLarge Company Stocks Many people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both. 8/19978/19988/19998/20008/20018/20028/20038/20048/20058/20068/ /2008 $149,937 $126,925 $139,237 $95,529 $115,449 $129,330 $117,435 $152,488 $133,977 $103,775 $96,845 $114,490 $122,504 $140,255 $155,476 $166,359 $150,073 $131,080 $107,000 $166, Indexed Products VS. Large Company Stock Protection & Potential

 People who are dissatisfied with interest from CDs or other fixed rate savings accounts  People who don’t have the time or temperament for the stock market  People who are tired of losing money in the stock market and want investments with guarantees to never lose money  Still would like to participate in the returns of the market without having any money actually in the market  People who want to grow & access their money tax free at retirement  People who want liquidity 13 When are Indexed Products Appropriate?

14 The Next Step Long Term Savings Debt & equity Management Emergency Fund Proper Protection Life Insurance 6 Month Cash Reserve Retirement & Investment Accounts Loan Modification & Refinance