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Financial Insurance Advisors. “A Division of Financial Advisors International”. One-Stop Financial Center.

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slide1

Financial Insurance Advisors

“A Division of Financial Advisors International”

slide2

One-Stop Financial Center

FIA helps bring Equity Indexed Products to middle America by helping clients make money when the stock market is up, never losing money when the market is down and accessing their money tax free at retirement. FIA offers a variety of insurance products such as indexed life, indexed annuities, term insurance and more.

FIA is a One-Stop Financial Center, helping people take charge of their family’s future.

slide3

The Great Consumer Dilemma

Insurance

Taxes 28%

Savings/ Investments

Living Expenses

Mortgage 21%

Consumer Debt 21%

The Facts Of Life

Tracking 100 Americans from age 25 to 65 …

36 will be dead…54 will be DEAD BROKE…5 will still be working…

4 will be financially secure and

1 will be Financially Independent

Where does your money go?

What did the 5 financially successful Americans do differently?

3

slide5

Albert Einstein's 9th Wonder: Compound Interest

Age 2%

Money Doubles Every 36 Years

29 $100,000

65 $200,000

Age 8%

Money Doubles Every 9 Years

29 $100,000

38 $200,000

47 $400,00056 $800,000

65 $1,600,000

Age 10%

Money Doubles Every 7.2 Years

29 $100,000

36.2 $200,000

43.4 $400,00050.6 $800,000

57.8 $1,600,000

65 $3,200,000

The Rule of 72

Divide 72 by the interest rate to estimate the number of years it takes for your money to double.

Average 401k

Indexed Products

Active Money Management

The person with the most “doubles” wins.

* Average 401k taken from the book “The Great 401(k) Hoax” by William Wolman

* These hypothetical examples are for illustrative purposes only and do not represent any particular investment vehicle.

The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of return.

The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty.

slide6

The Cost of Waiting to Invest

40

$298

35

$448

30

$682

$1,056

25

20

$1,687

15

$2,843

10

$5,330

$13,160

5

Procrastination – The high cost of waiting

Time can be your greatest ally or your greatest enemy. The key is to get started now. Below are monthly savings amounts needed to achieve $1,000,000 at retirement, assuming a tax-deferred 8% interest rate.

Monthly Savings

Years until Retirement

Make time your greatest ally. Get started today.

slide7

How Taxes Affect Investments

Maximize Your Tax Advantages

Tax

Deductible

Contribution

Tax

Deferred

Accumulation

Tax

Free

Distribution

You can only get two of the three!

Which would you choose?

Farmer who didn’t think.

7

slide8

What is the Perfect Account?

-Good Returns

-Compound interest – Rule 72

-Safety

- Tax free growth

-Tax free income

-Access/Liquidity

slide9

The Great Consumer Dilemma

1

2 3

4 5

6 7

8 9 10

11 12 13

14 15 16

Which investments

Do not pass the:

  • Commodities
  • Business Ventures
  • Limited Partnerships
  • Raw Land
  • Speculative Common Stocks
  • Lower Quality Bonds
  • Investment Real Estate
  • Blue Chip Stocks
  • High Yield Bonds
  • Mutual Funds
  • CD’s
  • Investment Grade Insurance
  • Money Market Funds
  • U.S. Treasury Bills
  • Annuities
  • Equity in House

Liquidity Test?

Safety Test?

Rate of Return Test?

Tax Test?

9

slide10

Types of Investments: TIC-TAC-TOE

Indexed

Products

Upside

Potential

1% to 4%

Fixed Products

Variable

Products

Safety of

Principal

Risk of

Principal

slide11

What are Equity Indexed Products

  • They are fixed interest rate products that earn interest based on the potential of an index
  • Protect your principle and earned interest from loss
  • Long term savings vehicles designed to accumulate cash on a tax deferred basis
  • Guarantee a lifetime of income.
slide12

Indexed Products VS. Large Company Stock Protection & Potential

$170,000

$166,359

$160,000

$155,476

$150,000

$152,488

$149,937

$140,255

$140,000

$139,237

$133,977

$130,000

$129,330

$126,925

$122,504

$120,000

$122,504

$122,504

$117,435

$114,490

$115,449

$110,000

$103,775

$100,000

$95,529

$90,000

Large Company Stocks

Indexed Account

Many people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both.

$100,000 Invested in 1997

$166,359

$150,073

$131,080

$107,000

$96,845

8/1997

8/1998

8/1999

8/2000

8/2001

8/2002

8/2003

8/2004

8/2005

8/2006

8/2007

11/2008

slide13

When are Indexed Products Appropriate?

  • People who are dissatisfied with interest from CDs or other fixed rate savings accounts
  • People who don’t have the time or temperament for the stock market
  • People who are tired of losing money in the stock market and want investments with guarantees to never lose money
  • Still would like to participate in the returns of the market without having any money actually in the market
  • People who want to grow & access their money tax free at retirement
  • People who want liquidity