Logan Hunter Group/Independent Advisory SCOTT E. BUCHER SVP, MGA “ Financial Solutions For Life” DEBT MANAGEMENT Purchase, Refinance, Debt Consolidation, Investor Financing, Reverse mortgages. RISK MANAGEMENT Life Insurance, Long Term Care Insurance, Business Continuation, Disability Insurance, Life Settlements ASSET MANAGEMENT Wealth Preservation, Asset Transfer, Trusts, and Real Estate Related Services. INCOME MANAGEMENT SOLUTIONS Part-time and full- time positions

…We all have the same two financial problems: DYING TOO SOON… DYING TOO SOON… OR LIVING TOO LONG… OR LIVING TOO LONG…………..FINANCIALLY “We all want to be financially independent someday”… We either run out of money, or we run out of time. So how do we solve these problems?

…in the early years we don’t have much money, but in the later years we better have money! In the early years we have more responsibility, in the later years our responsibilities decrease… That’s just the way life works!

Our Solution: Split Funding The Plan of the future TODAY! Example: $750,000 face amount to age 70, with a separate FIA. The Prime Earning Years Young children Debt Mortgage Not as much savings as should have… Loss of income would be devastating! The Later Years Children are grown Lower or no debt Mortgage reduced/paid Retirement income needed Age 50 $750,000 Face Amount to age 70 Male (PNT) Guaranteed level death benefit, level Premium, renewable without evidence of insurability to 95- $141 a month!!! ( converting to either annual renewable or decreasing term at the end of term if not otherwise acted upon ) Reposition your money to make it work harder for you! For example, if you have $150,000 net assets thus far, compounding at an average of 8%... … and max out yours and your spouses ($833 a month) SEP IRAs or ROTH IRAs, in 20 yrs your net worth is $1,229,502! ( $1.9MILLION in 25 years! ), not including your home equity!!! How much life insurance do you need 20 years from now if you already have a million plus in the bank??? What would be better for your family if you died prematurely $125,000 of Whole Life, $200,000 of Universal Life, or $750,000 of Term??? ( For the same $140/mo.) Buy a guaranteed renewable (30, 20, 15, 10 yr.) level term and max out your SEP IRA’s or ROTH’s! ***Age 70 Age 50 ***A Life Settlement at age 70 yields $52,500 in cash buyout to a term policy owner ( 7% avg), especially on guaranteed convertible, renewable term.

. “ Financial Solutions For Life! ” Thank You For The Opportunity To Serve You! “We are dedicated and committed to helping our clients build, protect, and preserve their Legacy- we are grateful and honored for the opportunity to serve them.” o or c