The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.

1. Workshop
Module Five:
Financing
Your Future
Saunders Learning Group, Newton, KS

2. Saunders
Learning
Group
provides
a
variety
of
training
programs,
workshops
and
seminars
targeted
to
the
financial
services
industry.
Programs
are
available
in
a
wide
range
of
topics,
and
we
are
specialists
in
developing
custom
programs
that
are
targeted
to
your
needs.
Contact
the
founder,
Floyd
Saunders
at
316-­‐680-­‐6482
or
at
floyd@floydsaunders.com
for
more
informaKon.
Saunders Learning Group, Newton, KS Financing Your Future
2
Training from Saunders Learning Group

3. Agenda
Investments and Risks vs. Return
Selecting Investments for You
Short-term Investments
Long-term Investments
Stock Market Investments
Retirement Programs
Creating The Action Plan
Saunders Learning Group, Newton, KS Financing Your Future

4. "Annual
income
twenty
pounds,
annual
expenditure
nineteen
six,
result
happiness.
Annual
income
twenty
pounds,
annual
expenditure
twenty
pound
ought
and
six,
result
misery.”
-­‐
Charles
Dickens
Saunders Learning Group, Newton, KS Financing Your Future
4

5. Risk vs return tradeoff
Saunders Learning Group, Newton, KS Financing Your Future

6. Investments and Risk vs. Return
! Commodities ! Collectibles
! Option Trading ! Coins
! Gold & Precious Metals
! Currency Trading
! Real Estate ! Equipment leasing
! Oil & Gas ! Common Stock
! Investment Real Estate ! Blue Chip Stocks
! Equity/Income Mutual Funds ! Annuities
! Corporate Bonds ! Municipal Bonds
Saunders Learning Group, Newton, KS Financing Your Future
subtitle
Degree of risk
Potential Return
! Insurance ! Treasury Bills ! Money Market Fund
! Certificate of Deposit ! Checking and Savings
Less Risk More Risk
Lower Return Higher Return

7. Selecting the Right Investments for You
Saunders Learning Group, Newton, KS Financing Your Future
subtitle
"
Consider
both
the
potenKal
return
and
risk
of
any
investment
"
Understand
your
needs
and
goals
"
Select
investments
that
meet
your
needs
and
goals
consistent
with
the
risks
you
are
willing
to
take

8. Short-Term Investments
Savings Accounts
Certificates of Deposit
Money Market Deposit Accounts
Money Market Mutual Funds
Savings Bonds, Treasury Bills and
Notes
subtitle
Saunders Learning Group, Newton, KS Financing Your Future

9. Savings Accounts
" Savings
accounts
are
accounts
at
financial
insKtuKons
designed
to
keep
your
money
safe
and
help
it
grow.
" In
exchange
for
leaving
your
money
on
deposit,
your
bank
pays
you
interest.
" Compounding
of
the
interest
and
deposits
help
it
grow.
Saunders Learning Group, Newton, KS Financing Your Future

10. Risks and Rewards of Saving
As
the
possibility
of
profit
goes
higher,
so
does
the
risk
that
you
might
lose
your
money.
Saunders Learning Group, Newton, KS Financing Your Future

11. Insured Accounts
Savings
accounts
and
bank
CDs
that
are
insured
by
the
FDIC
offer
a
smaller
return
because
they
are
safer.
Stocks,
bonds
and
mutual
funds
are
not
insured.
Saunders Learning Group, Newton, KS Financing Your Future

12. The Money Market
# Buying and selling short-term debt securities; quick cash conversion
# Safety: short maturities and diversification
# Include Private Paper:
# Commercial paper
# Bankers’ acceptances (Bas)
# Jumbo CDs
# State & Local Governments: Project Notes
# tax anticipation notes
# bond anticipation notes
# revenue anticipation notes
Saunders Learning Group, Newton, KS Financing Your Future

13. Certificates of Deposit or Time Deposits
CerKficates
of
deposit
(CDs)
are
a
safe
way
to
make
your
money
grow.
" A
CD
(cerKficate
of
deposit)
is
a
safe
way
to
save.
— Like
savings
accounts,
CDs
are
insured
by
the
government.
— CDs
oVen
earn
a
higher
interest
rate
than
savings
accounts
do.
— However,
CDs
require
that
you
leave
your
money
for
a
set
period
of
Kme,
such
as
six
months
or
a
year.
Saunders Learning Group, Newton, KS Financing Your Future

14. U.S. Treasury Investments
" Include
Savings
Bonds
and
Treasury
Bills.
Saunders Learning Group, Newton, KS Financing Your Future

15. U.S. Savings Bonds
Interest
can
vary,
but
you
are
always
guaranteed
a
minimum
return.
Saunders Learning Group, Newton, KS Financing Your Future

16. Treasury Bills
" T-­‐Bills
are
sold
for
less
than
their
face
value.
" Your
profit
is
the
difference
between
the
purchase
price
and
the
face
value.
Saunders Learning Group, Newton, KS Financing Your Future

17. T-Bill Example
" Buy
a
$10,000,
26-­‐week
T-­‐bill
for
$9,750.
" Hold
it
for
the
full
26
weeks.
" Your
profit
will
be
$250.
" You
earned
about
2.5%
return
on
your
money.
Saunders Learning Group, Newton, KS Financing Your Future

18. Long-Term Investments
Corporate Bonds
Municipal Bonds
Unit Investment
Trusts
subtitle date 18
Saunders Learning Group, Newton, KS Financing Your Future

19. What is a Bond?
" In
financial
terms
a
bond
is
a
debt
security,
in
which
the
authorized
issuer
owes
the
holders
a
debt
and,
depending
on
the
terms
of
the
bond,
is
obliged
to
pay
interest
(the
coupon)
and/or
to
repay
the
principal
at
a
later
date,
termed
maturity.
" A
bond
is
a
formal
contract
to
repay
borrowed
money
with
interest
at
fixed
intervals.
Saunders Learning Group, Newton, KS Financing Your Future

20. Issuing bonds
" Bonds
are
issued
by
public
authoriKes,
credit
insKtuKons,
companies
and
supranaKonal
insKtuKons
in
the
primary
markets.
" The
most
common
process
of
issuing
bonds
is
through
underwriKng.
" In
underwriKng,
one
or
more
securiKes
firms
or
banks,
forming
a
syndicate,
buy
an
enKre
issue
of
bonds
from
an
issuer
and
re-­‐sell
them
to
investors.
" The
security
firm
takes
the
risk
of
being
unable
to
sell
on
the
issue
to
end
investors.
Saunders Learning Group, Newton, KS Financing Your Future

21. Municipal Securities
# Municipal
Bonds
# Bonds
anKcipaKng
future
cash
# Tax-­‐AnKcipaKon
Notes
# Bond-­‐anKcipaKon
Notes
# Revenue-­‐AnKcipaKon
Notes
# Clientele
Effect
# High
tax
bracket
investors
Saunders Learning Group, Newton, KS Financing Your Future
# Limited Tax Bonds
# Payable from cash
generated by specific
tax
# Revenue
Bonds
# Industrial
Revenue
Bonds
# Backed
by
Good
Name
of
Municipality
# Moral
ObligaKon
Bonds
# General
ObligaKon
(GO)
Bonds
# Double-­‐Barreled
Bonds
# Backed
by
2+
sources
of
funds

22. " A
UIT
issues
redeemable
securiKes
(or
"units"),
like
a
mutual
fund,
which
means
that
the
UIT
will
buy
back
an
investor’s
"units,"
at
the
investor’s
request.
" A
UIT
typically
will
make
a
one-­‐Kme
"public
offering"
of
only
a
specific,
fixed
number
of
units
(like
closed-­‐end
funds)
"
A
UIT
will
have
a
terminaKon
date
(a
date
when
the
UIT
will
terminate
and
dissolve
" A
UIT
does
not
acKvely
trade
its
investment
porjolio.
Saunders Learning Group, Newton, KS Financing Your Future

23. UNDERSTANDING STOCKS Investors buy stocks in the
hopes of earning a large return on their investments.
Saunders Learning Group, Newton, KS Financing Your Future

24. Stock Market Risk
There
is
no
guarantee
that
stock
prices
will
go
up
or
that
you
will
make
money
on
stocks.
Saunders Learning Group, Newton, KS Financing Your Future

25. Evaluating Stocks
Blue-chip stocks
Income stocks
Growth stocks
Cyclical stocks
Saunders Learning Group, Newton, KS Financing Your Future

26. Defensive stocks
Large-cap stocks
Small-cap stocks
Penny stocks
Saunders Learning Group, Newton, KS Financing Your Future

27. Mutual Funds
Each
investor
in
a
fund
shares
in
the
fund’s
gains,
losses
and
expenses.
Suitable
for
longer
term
goals,
once
you
have
a
stable
financial
foundaKon
Saunders Learning Group, Newton, KS Financing Your Future

28. Retirement Plans
Saunders Learning Group, Newton, KS Financing Your Future

29. Traditional IRAs
" Most
taxpayers
can
set
aside
up
to
$5,000
in
an
IRA.
" People
over
age
50
can
deposit
$6,000
per
year.
Saunders Learning Group, Newton, KS Financing Your Future

30. Tax breaks on IRAs
You
are
allowed
to
fund
the
account
with
pre-­‐
tax
income
and
take
a
deducKon
on
contribuKons
made
during
the
the
current
tax
year.
Saunders Learning Group, Newton, KS Financing Your Future

31. Roth IRAs
" Roth
IRAs
are
not
tax-­‐deferred
-­‐
you
invest
income
you
have
already
paid
tax
on.
" All
the
money
you
earn
in
your
Roth
IRA
is
tax-­‐free.
Saunders Learning Group, Newton, KS Financing Your Future

32. Employer retirement plans
" Employers
usually
match
the
funds
that
you
contribute
to
your
reKrement
plan
at
work.
" At
tax
Kme,
you
will
owe
less
money.
Saunders Learning Group, Newton, KS Financing Your Future

33. Annuities
An annuity a contract between two parties, called
the insured and an insurance company.
The insurance company agrees to pay the insured
an agreed upon benefit either in the form of
regular interval payments or in lump sum.
Saunders Learning Group, Newton, KS Financing Your Future

34. How An Annuity Works
" In
its
simplest
form,
you
pay
money
to
an
annuity
issuer,
and
the
issuer
pays
out
the
principal
and
earnings
back
to
you
or
to
a
named
beneficiary.
" Life
insurance
companies
first
developed
annuiKes
to
provide
income
to
individuals
during
their
reKrement
years.
Saunders Learning Group, Newton, KS Financing Your Future

35. Different Types of Annuity
" Single
Premium
Immediate
Annuity:
The
amount
is
paid
in
lump
sum
and
the
benefits
are
derived
from
the
immediate
next
month
onwards.
" Single
Premium
Deferred
Annuity:
Again,
the
amount
is
paid
in
lump
sum
but
the
withdrawals
can
be
made
only
aVer
specified
Kme
limit.
" Annual
Premium
Deferred
Annuity:
The
premium
paid
to
the
insurance
company
is
either
in
form
of
quarterly,
or
monthly
or
bi-­‐annual
or
annual
installments.
Withdrawals
are
deferred
to
a
later
date.
" Variable
Annuity:
This
is
more
of
a
combinaKon
annuity
scheme
where
you
can
chose
either
to
pay
a
lump
sum
amount
or
in
installments.
You
can
choose
the
investment
vehicle
as
well.
Thus,
the
growth
of
your
fund
depends
on
vehicle
chosen.
Saunders Learning Group, Newton, KS Financing Your Future

36. Tax Deferral
" One
of
the
alracKve
aspects
of
an
annuity
is
that
its
earnings
are
tax
deferred
unKl
you
begin
to
receive
payments
back
from
the
annuity
issuer.
" In
this
respect,
an
annuity
is
similar
to
a
qualified
reKrement
plan.
" Over
a
long
period
of
Kme,
your
investment
in
an
annuity
can
grow
substanKally
larger
than
if
you
had
invested
money
in
a
comparable
taxable
investment.
Saunders Learning Group, Newton, KS Financing Your Future

37. Structure of Annuity
1. Premiums
are
paid
to
annuity
company
2. Premiums
are
in
company’s
general
account
3. The
General
Account
accumulates
funds
4. Fees
and
expenses
are
deducted
5. Death
benefits
paid
out
(it
applicable
6. Withdrawals
occur
(6,7
&
8)
9.
Taxes
are
paid
Saunders Learning Group, Newton, KS Financing Your Future
Slide 37

38. Immediate Annuity
If
you
want
to
start
receiving
payments
within
the
first
year,
you'll
purchase
an
immediate
annuity.
" You
can
elect
to
receive
payments
over
both
your
lifeKme
and
the
lifeKme
of
another
person
(known
as
a
joint
and
survivor
annuity).
" Under
a
joint
and
survivor
annuity,
the
annuity
issuer
promises
to
pay
you
an
amount
of
money
on
a
periodic
basis
(e.g.,
monthly,
quarterly,
or
yearly).
Saunders Learning Group, Newton, KS Financing Your Future

39. " If
you
are
age
65
and
elect
to
receive
annuity
distribuKons
over
your
enKre
lifeKme.
"
The
amount
you
will
receive
with
each
payment
will
be
less
than
if
you
had
elected
to
receive
annuity
distribuKons
over
five
years.
Saunders Learning Group, Newton, KS Financing Your Future

40. Distribution Options
The
distribuKon
phase
is
when
you
begin
receiving
distribuKons.
" You
have
two
opKons:
— Under
the
first
opKon,
you
can
withdraw
some
or
all
of
the
money
in
the
annuity
in
lump
sums.
— The
second
opKon
(referred
to
as
the
guaranteed
income
or
annuiKzaKon
opKon)
provides
a
guaranteed
income
stream
for
your
enKre
lifeKme
(no
maler
how
long
you
live)
or
for
a
specific
period
of
Kme
(e.g.,
10
years).
(Guarantees
are
based
on
the
claims-­‐paying
ability
of
the
issuing
insurance
company.)
This
opKon
can
be
elected
at
any
Kme
on
your
deferred
annuity.
Saunders Learning Group, Newton, KS Financing Your Future

41. Annuity Payments
The
amount
you
receive
for
each
payment
period
will
depend
on:
" how
much
money
you
have
in
the
annuity
" how
earnings
are
credited
to
your
account
(whether
fixed
or
variable)
" the
age
at
which
you
begin
the
annuiKzaKon
phase.
" The
length
of
the
distribuKon
period
will
also
affect
how
much
you
receive.
Saunders Learning Group, Newton, KS Financing Your Future

42. Early Withdrawals and Taxes
" Like
a
qualified
reKrement
plan,
a
10
percent
tax
penalty
may
be
imposed
if
you
begin
withdrawals
from
an
annuity
before
age
59½.
" Unlike
a
qualified
reKrement
plan,
contribuKons
to
an
annuity
are
not
tax
deducKble,
and
taxes
are
paid
only
on
the
earnings
when
distributed.
Saunders Learning Group, Newton, KS Financing Your Future

43. Questions
Saunders Learning Group, Newton, KS Financing Your Future

44. Post Workshop Action Plan
" Complete
the
Post
Workshop
AcKon
Plan
Saunders Learning Group, Newton, KS Financing Your Future
44

45. Reference Material
Family Financial Freedom
140 pages
ISBN 978-1-60-746269-9
Available Formats:
6"x9" paperback
PDF download
eBook download
Link to order:
http://www.fastpencil.com/publications/4498-Family-Financial-Freedom?
tid=bookbuy#read_book
Also available on Kndle, Nook, iPad and other popular e-readers can be ordered
from Amazon or Barnes and Noble in paperback (available soon).
Book summary: You might be struggling to make ends meet, but
achieving true financial freedom is still possible. The good news is virtually
anyone with a desire to learn and the willingness to plan can achieve a
considerable degree of financial security.
This book is a road map to the personal financial freedom you want and
deserve. There are no quick-rich schemes here, just common sense advice on
how to manage your money, protect your family from risks and start making
the moves to being more financial secure.
Saunders Learning Group, Newton, KS Financing Your Future

46. Family Financial Freedom Seminars
• This series of seminars on family financial freedom is available to all trainers,
educators and professional advisors in the financial services industry.
• The series of seminars can be taught with or without the book, “Family Financial
Freedom”.
• Here is a full listing of seminar topics:
1. Gerng
Started
2. Making
Your
Money
Work
For
You
3. Building
the
Base
4. Securing
the
Base
5. Financing
Your
Future
6. Mutual
Funds
7. Real
Estate
8. Your
investments
9. ReKre
in
Comfort
10. Passing
On
Your
Wealth
11. How
Professional
Can
Help
• A leader’s guide and participant’s workbook is also available.
Order your copy from Scribd
• Contact the author, Floyd Saunders for pricing and order details to
purchase the entire series of seminars: floyd.saunders@yahoo.com
Saunders Learning Group, Newton, KS Financing Your Future