1. “Building Dreams, Creating Independence Across America”

2. The “New Normal” Alarming Consumer Debt: Depleting of Pension Funds:
The reality of living & succeeding in today’s America
Alarming Consumer Debt:
Average credit card debt per household is $16,000. The average American carries 3.5 credit cards.
Depleting of Pension Funds:
Over 84,000 pension plans have been eliminated since 1985 to nearly 30,000 remaining today.
Failing Social Security:
Social Security’s income is projected to be insufficient to pay currently scheduled benefits by 2016.
Insufficient retirement & savings:
36% of workers have less than $1,000 in savings and investments that will be used for retirement.
Our National Debt is increasing at an exponential rate:
National Debt has a proportional effect in taxes, inflation and more.
Market Volatility is a certainty:
In the last 15 years the S&P has experienced over 20% losses multiple times.
Unemployment & under employment are a reality:
Although unemployment has been at a record high underemployment is the real problem.
Disturbing Lack of financial education:
Leads to poor savings, Financial Stress, Fear and Uncertainty. .

3. Retirement Facts in America
The reality of living & succeeding in today’s America
Out of 100 people who start working at the age of 25, by the age 65:
29%- Are dead
63%- Are dependent on Social Security, friends, relatives or charity
3%- Will still be working
4%-Have adequate capital stowed away for retirement
1% - Will be considered wealthy
The Shiller Barclays CAPE® US Sector Risk Controlled 10% USD Total Return Index is owned by and is the intellectual property of Barclays. The index provides exposure to a base index that selects components based on a modified version of the classic CAPE® ratio. The CAPE® ratio was first introduced by Professor Robert Shiller in his academic work in the 1980s. .

4. Who do Americans Trust with their Money?
Do Americans still Trust Banking Institutions?
Who is to blame for the 2008 financial crisis?
Do we Trust the Stock Market?
What is going to happen when the FED raises interest rates?
Does the average American Trust Money Managers?
Do you know anyone who has lost money in their 401k?
Do we still Trust the US Government with our Money?
Social Security is here to stay….right?
Do you Trust Your Employer to manage your retirement?
Who is managing your 401k or pension?
Do you Trust your CPA, Insurance person, friend or relative with financial decisions?
Do they have the needed expertise?
Do we even really Trust Ourselves?
Financial education and debt in American is at an all time high…should we trust ourselves?
The Shiller Barclays CAPE® US Sector Risk Controlled 10% USD Total Return Index is owned by and is the intellectual property of Barclays. The index provides exposure to a base index that selects components based on a modified version of the classic CAPE® ratio. The CAPE® ratio was first introduced by Professor Robert Shiller in his academic work in the 1980s. . .

5. Our Company
Relationships with over 20 of the best A Rate Carriers and top Global Fortune 500 Companies
&
Over 20 Years of Operation as American Financial Associates, Inc. in the same home office location, Rolling Meadows Illinois
Over 200 Licensed agents in more than 20 states with a proven history of great production.

6. Our Products, Power & Process
FINANCIAL PLANNING
LIFE INSURANCE
FINAL EXPENSE
ANNUITIES
AUTO & HOME
MEDICARE
HEALTH INSURANCE
Much more!

7. Our Core Beliefs Build, Educate & Serve
We Believe in Financial Education
We Believe in Financial Responsibility
We Believe in Being Debt Free
We Believe in Fiduciary Duty
We Believe in Serving Others
We are very excited to introduce the new Merrill Lynch RPM Index™ to the BCA Elevate fixed indexed annuities.

8. $$ Your Investable Assets $$
4 Homes of Money
$$ Your Investable Assets $$ ?
Banks
Real Estate
Stock Market
Liquidity
Safety
Rate of Return
Tax Advantage

9. $$ Your Investable Assets $$
4 Homes of Money
$$ Your Investable Assets $$ ?
Banks
Real Estate
Stock Market
Liquidity
Safety
Rate of Return
Tax Advantage

10. $$ Your Investable Assets $$
4 Homes of Money
$$ Your Investable Assets $$
Banks
Real Estate
Stock Market
Insurance
Liquidity
The Only financial strategy that checks all 4 boxes plus additional benefits;
Safety
Critical Illness
Long Term Care
Tax Deferred Growth
Tax Free Distribution
Competitive Returns
High Contributions
Collateral Opportunities
Safe Harbor
Guaranteed Loan Option
Unstructured Loan Payments
Flexible Contributions
Liquidity, Use & Control
Rate of Return
Tax Advantage

11. The 7 Pillars of Financial Independence
Financial Success in the “New Normal”
We focus on providing the complete solution for your financial life not just
Rate of Returns
Cash Flow
Emergency Fund
Debt Management
Proper Protection
College Funding
Retirement Planning
Estate Preservation
The AFA 4 Step planning process puts focus on your individual financial situation
Rather than on Products

12. The Next Step.
The reality of living & succeeding in today’s America
Complete Your Personal Financial Needs Analysis -
Find out where you are now and how we can help better your financial position.
Learn how to balance the 7 pillars of your financial life.
Create a real plan based on your goals!
Thank you! .