Protect Your Retirement

Three Phases of your Financial Life Phase One Accumulation Accumulation Phase Two Protection Phase Three Phase Three Distribution Distribution

Accumulation Accumulation Stocks Stocks Mutual Funds Mutual Funds 401k 401k 403b 403b

Protection Annuities Annuities CDs CDs Money Markets Money Markets

Distribution Life Insurance Life Insurance Stretch IRA Stretch IRA Trusts Trusts

Rule of (Your Age)= % of assets invested in the Accumulation section (could lose money) Example Example (65 years old) = 35% in Risky Investments

What is Important During YOUR Retirement Spending time with family and friends Spending time with family and friends Enjoy your hobbies (travel, golf, fishing, gardening, etc) Enjoy your hobbies (travel, golf, fishing, gardening, etc) Donate time and/or money to charities Donate time and/or money to charities Maintain current lifestyle Maintain current lifestyle Leave a legacy to your family Leave a legacy to your family

How can WE ensure that you have a successful retirement? By Providing: Safety of Principal Safety of Principal Tax Deferred Growth Tax Deferred Growth Upside potential with no downside risk Upside potential with no downside risk Money for emergencies Money for emergencies Lifetime income Lifetime income Probate avoidance Probate avoidance

Safety of Principal Avoid Market Volatility Avoid Market Volatility Avoid Interest Rate Risk Avoid Interest Rate Risk Your worst case scenario is the same amount you are investing today (Possible minimum guarantee of interest each year) Your worst case scenario is the same amount you are investing today (Possible minimum guarantee of interest each year)

Tax Deferred Growth $100,000 Investment 4% Interest Rate 33% Tax Bracket Taxable Investment Tax Deferred Investment Benefit of Tax Deferral True Benefit 2006$102,680$104,000$1,3201% 2007$105,431$108,160$2,7293% 2008$108,257$112,486$4,2294% 2009$111,158$116,985$5,8275% 2010$114,137$121,665$7,5287% 2011$117,196$126,531$9,3358% 2012$120,337$131,593$11,2569% 2013$123,562$136,856$13,29411% 2014$126,874$142,331$15,45712% 2015$130,274$148,024$17,75014%

Tax Deferred Growth 25%28%33%35% 3% 4.00%4.17%4.48%4.62% 4% 5.33%5.56%5.97%6.15% 5% 6.67%6.94%7.46%7.69% 6% 8.00%8.33%8.96%9.23% 7% 9.33%9.72%10.45%10.77% 8% 10.67%11.11%11.94%12.31% Tax Deferred Interest Tax Bracket

Upside Potential Without the Downside Risk

Money for Emergencies House Repairs House Repairs Family Family Health Health Travel Travel

Lifetime Income Ensure a check for the rest of your life Ensure a check for the rest of your life Chose your monthly amount Chose your monthly amount Have the check deposited directly into your account Have the check deposited directly into your account

Probate Avoidance Cost: Legal and Filing Fees Cost: Legal and Filing Fees Assets are frozen until probate is complete Assets are frozen until probate is complete Delays: Minimum typically 8 months, can take several years Delays: Minimum typically 8 months, can take several years Publicity: Estate becomes public record Publicity: Estate becomes public record

Safe and Secure Retirement Future (Equity Index Annuity) Protection Protection CD’s CD’s Money Markets Money Markets Accumulation Accumulation Stocks Stocks Mutual Funds Mutual Funds = + Winning Combination

Equity Indexed Annuity Benefits Safety of a CD Safety of a CD Upside potential of the Market Upside potential of the Market No risk to principal No risk to principal Lock in gains annually Lock in gains annually Diversification options Diversification options Perfect fit for a portion of a clients retirement assets Perfect fit for a portion of a clients retirement assets

If you could have the safety of a CD and the upside potential of the Market with no downside risk, would you be interested?

What portion of your retirement are you ready to protect today?