You are a presenter, presenting this slideshow to an audience. Go through it in order please.
Slide 1
Ask the question- How much of your savings can you afford to lose?
Slide 2
Where can you lose money?
Market Crash
401k
IRA
Real estate
Stocks
Gold/silver Variable annuities
Inflation/Value
CDs
Savings
Cash
Fixed annuities
Not to mention: Hidden fees, commissions, churns
Slide 3
Where can you guarantee money?
Imagine you could put your money somewhere with…
A 0% floor
But still get market gains.
Slide 4
Not only that, but it also:
avoids probate- so you can pass down an inheritance
can provide lifetime income- so you never outlive your money
And has deferred taxation- so your money grows as much as possible
Slide 5
That’s what you get with a Fixed Indexed Annuity
Show graph comparing returns in the stock market versus in an FIA.
You’ll see the stock market goes up and down; a rollercoaster.
But the FIA is more like an escalator. It goes up but never down. When the market crashes. All you get is a zero. No losses.
It looks just like an escalator on top of the rollercoaster
Also- important- yes, its true you can “ride out” losses in the market when you are 20, 30. You can just work 10 more years. But when you are older, there is way less time
Plus ** every time the market crashes. You are starting from that low point and have to make it back before you can even see a profit, its kinda like being in debt
Versus with the FIA, you are always picking up where you left off.
younger people have time to recover from market crashes.
older people do NOT.
Slide 6
Take Rocco for example, he’s 56
He had $60,000 in a money market account “doing nothing”
He decided to put in an FIA. he immediately got a premium bonus of $8,400 just for putting his money in there.
interest in this illustration is based on how the stock market did for the past 10 years, repeating. but its not a gurarantee.of course, i dont have a crystal ball - but it does give you a good idea of what might happen,.
In 10 years his $60,000 will turn into $174,497
In 20 years it’s $385,712
Slide 7
Another example, Jamila age 59
Once she retired, she took her 401k with 200,000 in it and put it into an FIA
Premium bonus $28,000
In 10 years- $559,270
In 20 years- $1,273,803
All without ever worrying about losing money even if market crashed.
Slide 8
But aren’t annuities bad? -
wait… annuities?!??!
story--> was in grocery store and ran into good friend of mine whos a financial advisor… we're worried about a mutual friend who is potentially gonna run outta $ & doesnt have the ability to make a lot of income... "AnNUITIES ARE TERRIBLE! ANYONE WHO SAYS THEYRE A GOOD IDEA IS STUPID""" !!
& then i realized he had NEVER heard of the FIA....
annuities have got a bad name b/c either risky/market/fees OR too slow growth. money stuck w/o growth... & fees.
Slide 9
People always say “oh, i already have a financial advisor.”
Ask Your Advisor these three questions.
1. Can you guarantee I’ll never lose a dime?
2. Can you guarantee lifetime income?
3. Can you guarantee no fees, ever?
look, we LOVE financial advisors.
they are GREAT for GROWTH.
but right now, you cant afford to LOSE. and you STILL want some growth. So its better to go with an FIA.
====
lifetime income meaning once they start drawing money, it's going to last them the rest of their life
Slide 10
How safe is it?
attorney
30 day lookback
black and white contract
read it over.
verything we're showing you is going to be in a contract
black and white now if you'd like this is a it's it's an insurance product so it's h it has what they call a 30-day
free look period.
you can take it to an attorney and have him read through it
and have him let you know if it has lifetime income on it if it if there
can't if you can't lose any money due to Market risk if um there are no caps in
the strategies we pick an attorney can tell you all that and if he comes back to you and says this is good we're good if he comes
back to you and says hey you’re full of it give me the contract back I'll send it back to the insurance company they'll
give you all your money back but I'm not big on wasting my time I'm certainly I've been wasting yours so I'm not going
to go through all of this if I can't provide what I'm telling you does that make sense sure
Slide 11
What’s the catch?
is this TOO GOOD TO BE TRUE???
you need to commit your money to a certain amount of time… so you dont spend it all! !
well the downside is the surrender charge I mean you're going to put this money in and and leave it here or agree
to leave it here for a certain period of time and the only reason the insurance companies have to do that great is they
can't guarantee you that you're never going to lose a dime if if you were going to take your money in this year
and then take it out next year like over 20 years period the the returns in the
market anywhere anywhere from seven and a half to 8 and a half percent so they know over time that they're going to
make money and what they have that you don't have
the insurance companies can afford to ride out the dips… you cant (time)
BUT… if you get sick, you have liquidity.
Slide 12
cover:
- safety of insruance vs banks
Banks
FDIC insured
Federal regulations
Only 10% reserves
10¢ for $1
465 banks failed
Insurance Companies
30-day free look
State insurance department
Dollar-for-Dollar requirement
$1 for $1
1 life insurance company failed
- fees
- how we get paid
(how do the companies make money)
FREE LOOK PERIOD:
when you purchase any life insurance product there is a right to examine or
a free look period which is usually between 10 to 30 days depending on what state you live in this gives you
the right to return your policy for a full refund for any reason no questions asked
→ again the free look period comes with all life insurance products.
annuities are not fdic insured but compared to commercial
banks and investment firms life insurance companies solvency record
has been nearly faultless even during hard economic times
a large percentage of the life insurance companies that exist today have been around for well over 100 years
in the 2008 financial crisis only one life insurance company became
insolvent and that was aig at the same time
465 banks failed
instead of federal regulation each
individual state has an insurance department who's responsible for enforcing strict
regulations on life insurance companies one of the strictest and most important
requirements is the dollar for dollar reserve requirement where the company must keep at least one
dollar in reserve for every one dollar in guarantees they've made to contract owners
so an insurance company must have in savings at least as much as it would take for
every single contract owner to walk away with the current value of future obligations of those contracts
it's also important to note that banks are not required to keep such reserves--
a large bank is required to have only 10 percent in reserves for every one dollar deposited
Slide 13
About us, SafeRetire.Pro
Mother daughter founder team
We are a family company
We are a team of experts that have been doing FIAs for over 20 years.
Slide 14
Master Your Retirement
Tailored Plan
Trusted Guidance
Apply Today!
if you have found this master class of value i would love for you to apply to become my client
we will start by completing a retirement income analysis on your current accounts and if there's a retirement income gap
then we'll talk about how to fill that gap i'll structure a preliminary annuity or
iul plan properly for maximum wealth accumulation based on the information you provide in
the application and we'll present that to you the day of our appointment
i am a fiduciary which means of course that i put my clients interests above my
own and that's the law but that's also just who i am i couldn't live with myself otherwise
the application will ask a number of questions and your answers will determine if you
qualify and if you do they'll help me prepare a preliminary
annuity or iol presentation for you so you can see with your own eyes if this is something you want to move forward with but know
that your information is kept in strict confidence and will never be shared or sold
thank you for your time today i look forward to working with you
Slide 15
Types of Money to Roll
• 401K
• TSP
• 403B
• CD'S
• IRA
• SAVINGS
• ROTH IRA
• INHERITANCE
• CASH
• SETTLEMENTS
not sure? book a meeting…
Slide 16
What will you do?
what's youre retirement gonna be like when you know the one thing you DONT have to worry about. is MONEY????
i look forward to our visit,
ill see you there ;)
Slide 17
how to book the meeting (step by step instructions)
make sure spouse is there too!