1. Avoiding Scams and Surviving Icebergs
Segment #5

2. Important Disclaimers
Past performance is no indication of future results.
The following material is for educational use only and should not be viewed as tax, legal or cooking advice.
Securities offered through Crown Capital Securities, LP, a registered broker/dealer/ Member FINRA/SIPC. Jarvis Financial Services, Inc is a Registered Investment Advisor in WA & AZ
The S&P 500 is an unmanaged index of stocks that cannot be directly invested into. Historical illustrations do not take into account the effects of fees or taxes.
The world did not end yesterday.

3. Sinking of The Titanic

4. Recent Scams $2.6 Billion Annually

5. Investments Doomed To Failure
Top 6 Scams
Telemarketing
Nigerian Letter
Identity Theft
Advance Fee Schemes
Health Care Fraud
Ponzi Schemes
Investments Doomed To Failure
“If it sounds too good to be true, you are talking to an amateur.” -FBI

6. Avoiding 90% of Scams & Bad Investments
9 Questions To ALWAYS Ask:
HOW can I lose money?
WHAT are the risks?
WHAT about fraud?
WHEN can I get out?
WHO is verifying your claims?
WHY is going to go up?
HOW do I see my money?
HOW MUCH are you getting paid?
WHERE do I call in the morning?

7. HOW Can I Lose Money? WHAT Are The Risks?
Principle Risk
Markets
Interest Rates
Fraud
Income Risk
Inflation
Speculation
Lack of Diversification
RED ALERT: “You Can’t Lose Money”

8. WHEN Can I Get Out? A lesson in liquidity
Investment Lifecycle
In case of emergency:
Penalty
Valuation
Secondary Market
RED ALERT: “Don’t Worry About It”

9. WHO is verifying your claims?
Publicly Traded
Google Finance
Registered
SEC Edgar Search
FINRA Broker check
Reputation
Google Search
WA DFI
WA AG
RED ALERT: “Trust Me”

10. RED ALERT: “This Is A Sure Thing”
WHY would this go up?
Higher potential reward ALWAYS, ALWAYS, ALWAYS equals more risk.
RED ALERT: “This Is A Sure Thing”

11. HOW Do I See My Money? What About Fraud?
Statements
Valuations
Custody
SIPC
E&O Insurance
RED ALERT: “The Value Is Fixed”

12. HOW MUCH are you being paid?
ALWAYS IN WRITING
Fees
Commissions
Transparency
Value > Expenses
RED ALERT: “The Company Pays Me”

13. WHERE Do I Call In The Morning?
RED ALERT: “You Must Decide NOW”

14. Don’t Be A Victim
It’s better to miss ten amazing investment than to lose everything on a single bad investment.

15. Long Term Care Understanding Terms
Long Term Care (LTC)
2 of 5 ADLs
Medicare
DOES NOT PAY LTC
Medicaid
Spend everything first
Only if destitute
LTC Insurance

16. Long Term Care Odds And Costs
40% of the population will enter a nursing home
25% of the population will die in a nursing home
Average Stay
Men 2.3 years
Women 2.6 years
Your Odds
Family History
Home Design
Views on Death

17. Staying Out Of A Nursing Home Being Prepared
Residence
Design
Location
Support Structure
Plan for burnout
Get Help Early

18. Long Term Care Odds And Costs
Homemaker Services
$23 hourly / $51k
Home Health Aide
$23 hourly / $52k
Adult Day Care
$67 daily / $17k
Assisted Living
$4k monthly / $48k
Nursing Home
$8k monthly / $96k

19. Do I Need LTC Insurance? YES and no
If Single:
$______ Cost of Care
$______ Available Income
$______ Available Assets*
$______ Shortfall
*Available assets are non- income producing assets such as home equity.
If Married: $______ Cost of Care $______ Spouse’s Costs $______ Available Income $______ Available Assets* $______ Shortfall *Available assets are non- income producing assets such as home equity.

20. What We Learned Don’t think like the Titanic
Ask WHO, WHAT, WHEN, WHY & HOW
Better to pass on ten amazing investments
LTC can be devastating
BE PREPARED

21. What’s Next Complete Workbook
Look at resources
Look at top tips
Write down action items & questions
Mark the value of this segment on your feedback cards
Focus next on estate planning and taxes

22. REMEMBER:
Be more concerned with the return OF your money than with the return ON your money