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Financial Insurance Advisors

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

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Financial Insurance Advisors

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  1. Financial Insurance Advisors “A Division of Financial Advisors International”

  2. 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.

  3. 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

  4. The 4 Cornerstones of Finance 4

  5. 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.

  6. 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.

  7. 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

  8. What is the Perfect Account? -Good Returns -Compound interest – Rule 72 -Safety - Tax free growth -Tax free income -Access/Liquidity

  9. 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

  10. Types of Investments: TIC-TAC-TOE Indexed Products Upside Potential 1% to 4% Fixed Products Variable Products Safety of Principal Risk of Principal

  11. 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.

  12. 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

  13. 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

  14. The Next Step 14

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