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1. 5 PILLARS
OF
FINANCIAL
STABILITY

2. 5 PILLARS OF FINANCIAL STABILITY
NAME
ACT TYPE
VALUE
MTH CONT.
MATCH
NAME
ACT TYPE
VALUE
MTH CONT.
MATCH
NOTES
DEBTMERICA
MIN $10K
1) BALANCE
50%
2) INT or 0%
3) Mo. PMTS
NOTES
NAME
AGE
INCOME
LIFE INS.
NAME
AGE
INCOME
LIFE INS.
NOTES
NAME AGE AMT
NOTES
3-6 MONTHS
ACT TYPE
VALUE
NOTES
DEBT
LIFE
INSURANCE RETIREMENT
COLLEGE
FUND
EMERGENCY
FUNDS

3. 10
15
20
30
A35 A65
TERMINAL CHRONIC CRITICAL
100% OF
DEATH BENEFIT
6 (A.D.L.) ACTIVITIES OF
DAILY LIVING
BATH
CONTINENCE
DRESS
EAT
TRANSFER
TOILET
UP TO 24% OF DEATH
BENEFIT
CANCER
STROKE
HEART ATTACK
UP TO 90% OF
DEATH BENEFIT
$1,000,000
2/6
TERM LB

4. PERMANENT (IUL)
STOP
A65
•10 YEAR POLICY SURRENDER
•COI, POLICY FEE, CASH ACCUM.
•BAD - 0% LOSS (FLOOR)
•GOOD - UP TO 25% (CAP)
•AVG – 8-12% LAST 20 YEARS
•100% GAINS - TAX FREE
* INFORMATION ABOVE IS FOR TRAINING PURPOSES ONLY. NUMBERS ARE NOT ACTUAL
A.LONG TERM COVERAGE
B.CASH ACCUMULATION/SAVINGS
BUY DIE
A40 A85
$ $ $ $ $

5. 3 RULES TO A 401k
59 ½ 65 72
10%
30%
40%
1,000,000
30%
$300,000
50%
30%
80%

6. $900,000
5% RET
45,000 INCOME
30% TAXED
13,500 TAXES
x 25yrs
QUALIFIED MONEY
CONTRIBUTION
PRE-TAX
$250
x12 mos
$3,000
30%
$900
x 30yrs
$27,000
SAVE
ACCUMULATION
TAX-DEFERRED
$3,000
30yrs
12%
$892,000
DISTRIBUTION
TAXED
ABOUT$337,500

7. TAX
NOW
TAX
ADVANTAGED
 SAVINGS ACCOUNTS
 STOCKS
 MONEY MARKETS
 CERTIFICATES OF
DEPOSITS (CDs)
 401(k) / IRA (59½ RULE)
 FIXED ANNUITIES
 SAVINGS BONDS
 ROTH IRA (59½ RULE)
 CASH ACCUMULATION IN
AN INSURANCE POLICY
TAX
LATER