moneycapsules presentation

1. Jones Game-Plan
Expressing your unique Perspective
Jaimie Blackman, MS,CWS®
14 E. 60th Street
Suite 402
New York, NY 10022
Copyright © 2011 Media Solutions Corporation 2011
MoneyCapsules® is a registered trademark of Media Solutions Corporation
Not to be reproduced, redistributed or retransmitted in whole or part without written
permission from Media Solutions DBA MoneyCapsules®.
All rights reserved.

2. MoneyCapsules Formula
P=MC7
erspective= 7 MoneyCapsules

3. What is MoneyCapsules®?
MoneyCapsules® is a learned process which uses 7 simple words
called the 7 MoneyCapsules®. Designed to communicate an
individual’s unique perspective, MoneyCapsules® is a pre-requisite
for making better money decisions and keeping you in control of your
financial life.
Completed in three simple steps with the help of your
MoneyCapsules® Coach, your Game-Plan is presented to your trusted
advisors before the implementation process, to insure decisions
reflect the client’s complete perspective.

4. Why do I need MoneyCapsules®?
To communicate your Perspective
Perspective- a view of things in their true
relationship or relative importance, Miriam Webster’s Dictionary
Know thyself, Socrates
• Most often, Advisors will start with WHAT they recommend, and How they
plan on implementing the strategy. Rarely, they try to help you better
communicate to them what your perspective is. The WHY you do what you
do.
• When one’s unique perspective is clarified and communicated, decisions are
more powerful putting the client in control of their financial life.

5. How does MoneyCapsules® work
MoneyCapsules ® breaks down financial problems into 7 simple
words across key industry categories. The process helps clients
clearly communicate their perspective to their trusted advisors
even in overwhelming situations.

6. Organize. Understand. Decide
Your Coach, a trained financial professional, will
teach you the MoneyCapsules ® process in three
simple steps
1-Organize- your financial resources and priorities into seven easy
to understand words representing the 7 MoneyCapsules®
Cash-Growth-Income-Risk-Time-Giving-Integration
2- Understand- your perspective by reviewing the choices and
consequences of your actions before you decide
3- Decide- by communicating your perspective reflected in your
Game-Plan to trusted advisors before implementation When
decisions are based on your personal values, they are more
authentic to what you really want. You are better able to
communicate your perspectives with your trusted advisor(s) staying
in control of your financial life.

7. Understand
MoneyCapsules® Industry
Categories
Section 1: Insurance
Section 2: Stocks
Sections 3: Bonds
Section 4: Alternative Investments

8. Understand Product Category/ Type
Insurance / LTC
Key concepts:
• Cash Reserve including: Discussion
• checking/savings accounts How do the Key concepts of Cash
• CDs relate to LTC
• Money Market funds Client questions and notes
• Emergency Funds -
• Sleep well at night -
• Cash Flow including: -
• inflows, outflows, expenses -
• Liabilities/debt
• appropriateness and
inappropriateness of debt
• cash and cash equivalents
• Liquidity
• Access to lump sum

9. Understand Product Category/ Type
Insurance / LTC
Number in order of importance How will the purchase of LTC impact Cash
(review from previous page)
Cash Explain
Liquidity needs ___ -
Cash reserve ____
Opportunity cost ___
-
Lump sum ____ -
Expense
List Unacceptable Consequences
If I buy LTC, if I don’t
-
-
-
-

10. Product Category/ Type
Insurance / LTC
Strengths Weakness Your Perspective

11. Product Category/ Type
Understand
If never used, I want refund or death benefit
Insurance / LTC
Will protect the growth of portfolio for my family
My guaranteed income will cover most of premium cost
I want to transfer my LTC risk to an insurance company
I want a 6 year benefit period
I want a death benefit if I never use the policy
My decision is heart felt and not made because of guilt

12. Organize
Your Financial
Life

13. Organize
Your Priorities

14. Decide Product Category/ Type
Insurance / LTC
Express your perspective to the purchasing of Long-Term Care Insurance
Questions
Why – Want to protect portfolio for my - How might the purchase of LTC
family. Need for transferring risk of LTC to affect my cash flow?
Insurance company. Concern for Death - What are the opportunity cost if
benefit if never used. funds were invested elsewhere?
How- Premium fully funded at beginning of - Will insuring the risk outweigh the
contract to insurance company. Aware of reduction of cash flow?
opportunity cost - How much daily benefit do I
What- Client is looking for a guaranteed require?
universal life insurance with a LTC rider, and - How long should the benefit last?
the ability to receive refund of premium - Will I need annual compounding of
and or death benefit- the benefit?
- Explain the death benefit?
- What are other options to LTC?

15. Perspective Finder trusted
Writing it down helps clarify it and better communicate it to
advisors.
Why do I want- this product?
Why is this important to me.
Use Private Writing for clarity
For example
Why do I want Life
insurance, LTC, Why is this
important to me? How will the answer What- product, service
to my WHY affect or process best reflects
Why do I want Annuity? each
Why do I want hedge fund?
my point of view.
Why do I want mutual fund?
MoneyCapsules
Why do I want CD? Cash
Why do I want a trust? Growth
Why do I want to create a trust for Income
my grandchildren?
Why do I want $2million in cash Risk
reserve? Time
Giving
Why do I invest in stocks, in bonds?
Integration

16. Initial Prospect Call/ Part 1
Have the caller on the moneycapsules.com site during the call
Key points
• This is not a financial advisory or financial planning meeting.
• If caller knows you are a financial advisor, remind them, in this
capacity you are not giving advice. This is an educational
”Coaching” relationship.
• This is about teaching you how to use MoneyCapsules, a process
which gives you mastery over your decisions which control your
financial life through learning how to use 7 simple words. In three
easy steps.
• We are first going to help you get your financial world-
Organized, and then Understood. By so doing, you are not
delegating your perspective and decisions to your trusted advisors.
You are in control and take full ownership.

17. Initial Prospect Call/ Part 2
• The process is taught in 2, one-one individual sessions with me. (skype is
also an option) with home work in between meetings.
• At the end of the meetings you will receive a written Financial Game-Plan
which you will use to communicate your perspective and decisions with
your trusted advisors
• Ask them to explain their current process to Organize, Understand and
make money decisions.
• Ask them to elaborate on the quality of the communication with their
trusted advisors. (remember MoneyCapsules works equally well with
improving communication with legal and tax advisors.)
• How is MoneyCapsules different from the way you are currently doing
things?
• Establish the gap, explain the fees and schedule the two meetings at least
2 weeks apart

18. MoneyCapsules® 1: Cash
For many, strong Cash-Flow is an essential
ingredient to financial freedom, while
sufficient Cash-Reserve completes the
recipe. The Cash tool satisfies the need for
safety while optimizing a healthy balance
sheet
Key concepts
• Cash-Flow
• Cash- Reserve
• Using Cash to avoid selling equity

19. Cash Key Concepts
Cash
Key concepts:
• Cash Reserve including:
• checking/savings accounts
• CDs
• Money Market funds
• Emergency Funds
• Sleep well at night
• Cash Flow including:
• inflows, outflows, expenses
• Liabilities/debt
• appropriateness and
inappropriateness of debt
• cash and cash equivalents

20. MoneyCapsules® 2: Growth
If investments are not compounding, the thief
in the night called inflation, eventually robs
purchasing power. The Growth tool challenges
the inclination to over or under allocate stocks-
bonds, alternative investments or cash.

21. Growth: Key Concepts
Key concepts:
• Investments (long term)
• Diversification/asset allocation
• Magic of compounding
• Total Return
• Investing and speculating
• passive and active investing
• business succession plans
including:
• buy-sell agreements
• transferring ownership
• non-investable assets including:
• real estate
• closely held business
• equity or fixed income assets
• capital lifetime needs
• wealth surplus
• tax sensitivity
• qualified and nonqualified assets

22. MoneyCapsules® 3: Income
Income
Centenarians are the fastest growing segment
of the population.
When income is guaranteed for life, the risk of
outliving your money is reduced.
The income tool helps you to explore your
options with Social Security, Pensions, and
guaranteed life-long Annuities.

23. Income: Key concepts
• Guaranteed life time income
• Social security, annuity, pensions
• cost of living increase (COLI)
• spousal continuation
• optimal allocation: fixed or
variable
• inflation/purchasing power
• sustainable withdrawal rates
• downside market protection

24. MoneyCapsules® 4: Risk
Risk
In a world filled with uncertainty, managing
risk plays a critical role in the health of your
family’s financial life. Wealth replacement and
asset protection satisfies a universal need to
protect those who we love. The Risk tool
examines the implications of transferring risk
to insurance institutions.

25. Risk: Key Concepts
• Insurance: Life, disability, long
term care
• risk tolerance
• divorce and legal separation
• death of spouse or loved one
• titling of assets
• Medical directives
• power of attorney
• health care proxy
• Wills and legal planning
• sandwich generation
• Tax planning

26. MoneyCapsules® 5: Time
Einstein was quoted as saying that the magic
of compounding, creating long-term
growth, was the most powerful force in the
Universe. Time makes this a reality. The Time
tool helps examine lessons learned from
historical market cycles.

27. Time: Key Concepts
• Liquidity
• Short term goals
• Time horizon
• Timing the market/time in
market
• market history/business cycle:
• “the declines are temporary,
the advances are
permanent”

28. MoneyCapsules® 6: Giving
Giving
Giving to family and charities we care deeply
about enriches our lives. The Giving tool
examines tax reduction strategies helping both
the giver and the receiver.

29. Giving: Key Concepts
• lifetime gifting
• education – 529s, UGMA,
UTMA, 2503(c), deductions,
Coverdell,
• legacy gifting
• Maximizing distribution to heirs
• Continued control of wealth after
death
• Charitable giving
• Wills, Trusts/Special needs Trusts
• GRATS-CRATs, ILITS +
• Estate and gift taxes
• Tax efficient giving
• Exemptions and deductions
• Qualified and non-qualified plans

30. MoneyCapsules® 7: Integration
Integration
“We have met the enemy, and he is us.” Pogo
Possum
There is no greater influence on achieving
multigenerational wealth than our behavior.
Panic and greed fuel our irrational decisions.
The Integration tool examines past decisions
and decisions yet to be made.

31. Integration: Key Concepts
• human concerns
• personal values and dreams
• Money purpose
• lifetime goals
• special life planning,
• Common behavioral mistakes
• Investor behavior and investor
success
• Reduce money anxiety

32. Coach Meeting 2: Understand
Know thyself, Socrates
Discover your unique perspective by
• Understanding the 7 moneycapsules.
Clearly articulating what you stand for, why you do
what you do will increase the likelihood.
My Perspective on Cash.
My Perspective on Growth
My Perspective on Income
My perspective on Risk
My perspective on Time
My perspective on Giving
My perspective on Integration

33. Why do people hire a financial
advisor?
We don’t care how much our advisor
knows until we know how much the
advisor cares
Why do we choose a specific doctor, or
advisor?
We feel our perspective is being
understood. Help your advisor by being
able to communicate your perspective.
They want the confidence that their perspective will be
understood when implementation decisions are made

34. Your contact info

35. Your Purpose Road Blocks Strengths

36. Your Purpose Road Blocks Strengths

37. Your Purpose Road Blocks Strengths

38. Your Purpose Road Blocks Strengths

39. Your Purpose Road Blocks Strengths

40. Your Purpose Road Blocks Strengths