www.justintimeretirement.com

1. COMBINED QUALIFIED PENSION PLAN
CONCURRENT OFFSET, AGGREGATED BENEFITS & POST RETIREMENT
MEDICAL BENEFITS UNDER IRC §401(H)
FINEX WEALTH MANAGEMENT, INC.
“NO 401(k) Plan Advisory Fee” with
Just-in-Time Retirement Funding™ (Qualifying States Only)
BARRY M. FINE
SENIOR FINANCIAL ADVISOR
FINEX WEALTH MANAGEMENT, INC.
1201 Broadway, Suite 803
New York, NY 10001
631.513.8822
An Independent Advanced Financial Strategies, Inc. Group Affiliate
*****
“NO 401(k) Plan Advisory Fee” with
Just-in-Time Retirement Funding™ (Qualifying States Only)

2. © 2009 Barry Fine

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A fixed indexed annuity is a long-term, tax-deferred investment designed for retirement whose guarantees are
backed by the claims paying ability of the underlying insurance carrier. It allows you to create a fixed stream of
income through policy riders or through a process called annuitization.
As with most things in life, a fixed indexed annuity does have limitations. If you decide to take your money out
early, you may face fees called surrender charges. Plus, if you're not yet 59½, you may also have to pay an
additional 10% tax penalty on top of ordinary income taxes. A death benefit is available and naturally, if you do
take an early withdrawal, your death benefit and the cash value of the annuity contract will be reduced.
You should also know that an annuity contains guarantees and protections that are subject to the issuing insurance
company’s ability to pay for them. An annuity is a contract between you and an insurance company and it’s sold by
prospectus. While it may take some time, you should read these documents.
You should consider the investment objectives, risks and charges, of the fixed indexed annuity and its
underlying options carefully before investing. The prospectuses for the fixed indexed annuity and contain
information about the product. You can obtain current prospectuses from your Financial Advisor. You
should read the prospectuses carefully before investing.
•Not a deposit • Not FDIC or NCUSIF insured •Not guaranteed by the institution
•Not insured by any federal government agency • May lose value

4. © 2009 Barry Fine
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In the last year, your employees have watched their parents and senior
colleagues experience chilling losses creating tremendous anxiety that
there will not be enough money to live on.
$100 Invested in S&P 500 (1998-2008)
“Standard & Poor’s”, “S&P 500”, Standard & Poor’s 500” and “500” are trademarks of The
McGraw-Hill Companies, Inc. Period used for comparison is 9/30/98 through 9/30/08

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CBS 60 Minutes report on the 401k Fallout
http://www.cbsnews.com/video/watch/?id=4955194n

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Your employees are the most
valuable asset of your company.
Express your gratitude by giving them confidence that their
retirement assets are being carefully and prudently managed.

7. © 2009 Barry Fine
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Your success as a CEO or business
owner is a direct result of the talent you
have brought on board and developed
into the leadership of your organization.

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One way to show your appreciation for their
loyalty and hard work is to provide them with
a financially stable employment environment
and the prospect of a secure retirement.

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If you take this approach to the management
of your company–and the 401(k) plan you
provide your workforce–
you can rest easy knowing you are doing the
right thing for your people.

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• Demonstrate that “doing the right thing” is a core value
of the culture of your company
• Recognize and reward employee loyalty
• Create confidence in the employee’s mind as to the
security of their retirement, especially in times of
market volatility
• Improve employee retention
• Gain an external reputation as a “best place to work”
• Provide access for small and medium sized
businesses to an investing philosophy used by large
pension funds and the ultra-wealthy
By practicing good stewardship regarding the funds
you are managing in the retirement plan you have
provided your employees you:

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• 53% of pre-retirees are worried they’ll outlive
their money after they retire1
• 43% of pre-retirees aren’t confident their money
will last for at least 25 years2
• 67% of retirees underestimate average life
expectancy3
1 Gallup, 2008.
2 AARP, July 2005.
3 Longevity: The Underlying Driver of Retirement Risk, Society of Actuaries, July 2006.

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Allay these fears, pre-
and post-retirement,
by offering retirement
portfolio management that
is governed by
the highest and best
standards of stewardship.

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Just-in-Time Retirement Funding™ is
a forward-thinking approach to the
management of defined contribution
plans and individual retirement
assets that ties the investing strategy
to the timing of future expenses.

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The Just-in-Time approach
contemplates the expenses
associated with the lifestyle and
income needs of plan participants
rather than subjecting plan assets to
the uncertainties of the financial
markets trying to increase the net
value of the pool.

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Building your nest egg is different than tapping it
Shifting gears

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How
Works

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Cumulative Savings
Longevity Management
Asset
Protection
Income to Sustain
Quality of Life
Asset
Gathering
Transfer
35 45 55 62 65 67 75 85 95
Age of Consumer
401(k) , Profit Sharing, Thrift & Savings, Group Keogh, DC Pension, Section 457, 403(b) Plans
IRA
Mutual Funds, ETFs
Managed Accounts
Fixed Indexed Annuity
Life Insurance
Accumulation
and Protection
Income Distribution
and Preservation
529 College Savings Plan
Managing Both Sides of the Curve

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Assets you need for income today
should be invested differently than
the assets you’ll need for income
many years in the future.

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Retirement income is an annual funding
need that can be benchmarked and
financially forecast. If the investing
strategy has been properly structured,
laddered investments will produce a
corresponding return to meet the funding
requirement – just in time.

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Just-in-Time Retirement Funding™ ties
the investing strategy to the timing of
future expenses and maximizes the pre-
and post-tax savings for the plan
participant.

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• Reduces the risk associated with market
volatility and interest rate declines
This approach:

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• Links investment savings to future lifestyle
and income expenses
This approach:

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• Acts as a hedge against inflation
This approach:

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• Reduces/eliminates the fear of outliving
your assets
This approach:

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• Secures steady Lifestyle Essential Income
and protects associated principal
This approach:

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• Uses fixed index annuities to transfer the
risk of a down market to the insurance
company
This approach:

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Offers a combination of insurance guarantees and benefits:
• Long-term tax deferral of retirement assets
• Flexible income options
• Death benefit for your beneficiaries
• Guaranteed interest growth every year
• Potential to receive indexed interest based on potential gains
in the S&P 500 or Nasdaq 100
• Protects principal, fixed interest and/or indexed interest locked
in annually regardless if the market declines.
• Provides incentives to save by moving away from chasing
returns to generating an income pool for life.
This approach:

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• Leaving a legacy for family and loved
ones
This approach:

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Moving toward risk management
Diversify
(Asset allocation)
Hedge
(Transfer some risk)
Insure
(Transfer all risk)
Why all three? Because consequences matter!

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Your employees are the most
valuable asset of your company…
• Express your gratitude by giving them confidence that their
earned savings are being carefully and prudently managed.
• Create confidence in employees minds that their retirement
savings are secure especially in times of market declines.
• Provide access to an investment philosophy that is used by
large pension funds.
• Improve employee retention by gaining an external reputation
as a best place to work”