For Producer or Registered Representative use only. Not for use with clients. DST

For Producer or Registered Representative use only. Not for use with clients. Ameritas Growth Leaders (AGL) – Sales Strategies for Success LeaAnn Moore, Midlands Financial Benefit Luke Trosclair, Wealth Solutions LLC Arnie Pechler, IV, United Professional Advisors Moderated by: Mark Scholz, Ameritas Financial Center

For Producer or Registered Representative use only. Not for use with clients. disclosure The information presented here is not intended as tax or other legal advice. For application of this information to your client’s specific situation, they should be encouraged to consult an attorney. This seminar is for informational purposes only. The speakers and presenters appearing at this seminar are solely responsible for the content of their presentations and may not necessarily represent the opinions of Ameritas Life Insurance Corp. (Ameritas Life), or any of its affiliates. Neither Ameritas Life nor any of their representatives are in the business of giving tax, legal, or accounting advice. Attendees should consult with their own accounting, tax, legal, or professionals to determine action appropriate for their unique situation. Midlands Financial Benefit, Wealth Solutions LLC, United Professionals Advisors and Ameritas Financial Center are not affiliates of Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York or any of their affiliates. This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp. is not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. © 2014 Ameritas Mutual Holding Company

For Producer or Registered Representative use only. Not for use with clients. introductions and kick off Mark Scholz Ameritas Financial Center

For Producer or Registered Representative use only. Not for use with clients. thinking outside the box retirement income planning LeaAnn M. Moore, CFC Vice President / Owner, Midlands Financial Benefits, Lincoln, NE

For Producer or Registered Representative use only. Not for use with clients. know your client Income Needs Analysis – Income vs. Budget Needs Ask Questions about their goals in Retirement (Hobbies/ Travel) Understand the Family Dynamics (Family Tree) – Legacy Health needs/ Long Term Care/ Life Insurance

For Producer or Registered Representative use only. Not for use with clients. case study disclosure The following is a hypothetical example of retirement income plan. Information is for illustrative purposes only and is intended to show how these products could work in certain situations for certain clients. Resulrts are not guaranteed and may vary. Only after a thorough suitability review of a clients needs, objectives, risk tolerance, etc. can a suitable retirement income plan be recommended.

For Producer or Registered Representative use only. Not for use with clients. meet the Funks’ Retirement Assumptions: Mr: Age 55 Mrs: Age 57 Assets: Mr. has $1,000,000 in retirement assets Mrs. has $400,000 in retirement assets Quandary: They want to retire now and only work part-time. They need $50,000 a year and will have to utilize a portion of their retirement assets to live on until they reach full social security retirement Age of 66.

For Producer or Registered Representative use only. Not for use with clients.For Producer use only. Not for use with clients. strategy Utilize the 72T rule for the Mrs. and a portion of the Mr.’s retirement account Open an Ameritas Investment Partners “Gemini” Account with the Mrs.’ $400,000 with an income of $1, monthly for 5 years Open an Ameritas Investment Partners “Gemini” Account with the Mr.’s $600,047 with an income of $2, monthly for 5 years Open an Ameritas Medley Variable Annuity with a GLWB joint rider with the remaining $400,000 of Mr.’s account. Let this grow until age 70 (with an assumption of 7% interest the value will grow to $651,557 with a distribution factor of 5.25% and an annual income of $34,206

For Producer or Registered Representative use only. Not for use with clients.For Producer use only. Not for use with clients. strategy At full social security ages – income will be as follows: Mr.’s Social Security $2,487/month Mrs.’ Social Security $1,488/month Then they will only take approximately $10,000 a year from Ameritas Investment Partner Accounts Total income $57,000 At age 70 the income will be as follows: Mr.’s Social Security $2,487/month Mrs.’ Social Security $1,488/month Begin distribution at 5.25% for the guaranteed lifetime joint IRA $34,206 (This account grew from $400,000 to $651,557 with an assumed 7% interest annually) The required minimum distribution on Mr. and Mrs. IRA’s with Ameritas Investment Partners starting at 3.67% Total income +$81,906

For Producer or Registered Representative use only. Not for use with clients. opportunities from within prospecting within your 401K Business Luke Trosclair Managing Principal, Wealth Solutions, LLC

For Producer or Registered Representative use only. Not for use with clients. our process Quarterly/Annual Reviews Review plan with Trustee/Administrators -Sell the review process Employee educational meeting -Showcase your experience Individual meetings with employees -Opportunities for cross selling

For Producer or Registered Representative use only. Not for use with clients. risk tolerance

For Producer or Registered Representative use only. Not for use with clients. concern sheet

For Producer or Registered Representative use only. Not for use with clients.For Producer use only. Not for use with clients. discovery Individual Meetings Set expectations - employees an agenda with our concern sheet and risk tolerance questionnaire Review current holdings and concern sheet Find opportunities and provide options

For Producer or Registered Representative use only. Not for use with clients. finding the money Arnie Pechler Jr. United Professionals Advisors

For Producer or Registered Representative use only. Not for use with clients.For Producer use only. Not for use with clients. look at where clients are saving & spending their money 401(k) or other company plan Monthly ContributionBalance Pre-Tax Company Match Roth Individually Managed Retirement Assets Monthly ContributionBalance IRA (SIMPLE, SEP, old 401(k), etc.) Roth IRA Non-Qualified Account Car Monthly Payment Extra Payment Months left Rate Student Loan Monthly Payment Extra Payment Months left Rate Savings & Checking Current Balance Average balance past 12 months Minimum balance past 12 months Monthly Automatic Savings Transfer Credit Cards Total Balance Minimum Monthly Payment Rate

For Producer or Registered Representative use only. Not for use with clients. look at where clients are saving & spending their money Home Value (est.) Mortgage Balance Years left Monthly Princ. & Int. Monthly Extra Payment Monthly Escrow Rate Disability Income Insurance Employer/Group - Monthly Premium - Monthly Benefit Individual - Monthly Premium - Monthly Benefit Life Insurance Employer/Group - Monthly Premium Death Benefit Individual Owned - Monthly Premium Cash Value Death Benefit Type (Term, Universal, Whole) Policy Terminates at age:

For Producer or Registered Representative use only. Not for use with clients. you’ve found the money, now put it to work! Total up ongoing savings & debt payments that are not “essential” Extra mortgage, car, student loan payments Qualified plan contributions that aren’t getting matched 529 contributions All of these things can be great and should even be maximized in some situations, but few clients have spent much time deciding how much should be going to each place.

For Producer or Registered Representative use only. Not for use with clients. monthly cash flow Cash Flow Monthly Cash FlowProCon Term Premium$50Needed protectionNo cash build up Extra Mortgage Payment$100Reduce debtTaxes, liquidity 401(k) Contribution over match$200Prepare for retirementTaxes, liquidity, market risk Extra Student Loan Payment$50Reduce debtTaxes, liquidity Some of these monthly cash flows could serve the client better if they are repositioned, pool uncoordinated monthly cash flow to make it work harder for the client.

For Producer or Registered Representative use only. Not for use with clients.For Producer use only. Not for use with clients. 3-6 months of income in savings? Why not move a portion of this, over time into the same pool that was just started. Reduce the amount of a clients assets that they are loaning out at 0% As the pool grows, so does your client’s security and flexibility

For Producer or Registered Representative use only. Not for use with clients.For Producer use only. Not for use with clients. try this with an existing term client 1- Find the money 2- Pool the money 3- Run an illustration 4- Stack it up against scattered savings 5- Let the client see the difference Write down that clients name right now! Ask me about a sample!

For Producer or Registered Representative use only. Not for use with clients. questions