It’s Not About Nest Egg…It’s About Cash Flow!

Financial StrategyProtection from crashesPotential for double digit growth in good years Cash flow that lastsTax advantaged growthAccess to money while you are aliveDeath BenefitChronic and critical illness benefits Growth to outpace inflation Low Fees

PLEASE WRITE THIS DOWN

1. Right Protection2. Right Category3. Right ROI4. Right Budget5. Right Decision

Important Trend #1:INCREASING WORLDWIDE VOLATILITY

Natural Disasters

SOURCE: http://www.accuweather.com/en/weather-blogs/climatechange/steady-increase-in-climate-rel/19974069

2. Geopolitics• Geopolitical power plays: China devaluing currency

In August 2015 Dow Jones Industrial Dropped 6.6% Source: Yahoo Finance

3. Asset Bubbles• Real Estate, Dot-Com, Dollar, Student Loans…

“Every major economic shock in recent decades has been preceded by an asset bubble: housing and stocks both before

Japan’s meltdown in 1990 and before the Asian financial crisis in 1998; stocks before the

U.S. dot-com bust in 2000; housing again before the crisis in 2008.”

-Ruchir Sharma, head of emerging markets at Morgan Stanley

SOURCE: http://www.wsj.com/articles/the-federal-reserve-asset-bubble-machine-1431386994

“My research team’s composite valuation for the three major financial assets in America—stocks, bonds and houses—is currently well above levels reached during the bubbles of 2000

and 2007.”-Mr. Sharma, Head of Emerging

Markets and Global Macro at Morgan Stanley Investment Managements

SOURCE: http://www.wsj.com/articles/the-federal-reserve-asset-bubble-machine-1431386994

We Need A Strategy To Deal With Volatility

Important Trend #2:A Retirement Risk?

“Taxes Are Your Single Biggest

Retirement Risk.”Ed Slott,

CPA, Best Selling Author, National Tax Expert

David M. Walker

“Based on the current fiscal path, future tax will have to double or our country will go bankrupt.”

Former Comptroller General of the United States and head of the

Government Accountability Office

SOURCE: http://www.cnn.com/2009/POLITICS/04/15/walker.tax.debt/

MATH

Q U I ZWhat is the highest tax bracket in the history of our country? Worst it has ever been?94%

What was the highest marginal tax bracket during the 1970’s?70%

What was the highest marginal tax bracket on January 1st 2012?35%

What was the highest marginal tax bracket in 2013?39.6%

“If Social Security, Medicare and Medicaid go unchanged, the lowest tax bracket would increase from

10% to 25%… (2.5X) "

Congressional Budget Office, "Long Term Economic Effects of Some Alternative Budget Policies," May 19, 2008, 8-9, http://www.cbo.gov/ftpdocs/92xx/doc9216/05-19-LongtermBudget_Letter-to-Ryan.pdf

“the 25% bracket would rise to 63% (2.5X),

and the highest bracket would go from 39% to 88% (2.25X).”

Congressional Budget Office, "Long Term Economic Effects of Some Alternative Budget Policies," May 19, 2008, 8-9, http://www.cbo.gov/ftpdocs/92xx/doc9216/05-19-LongtermBudget_Letter-to-Ryan.pdf

Social Security

Medicare and Medicaid

National DebtBailouts

Infrastructure

Pension

BIG Ticket Items:

http://kff.org/medicare/fact-sheet/medicare-spending-and-financing-fact-sheet/

78 Million25% More Kids

“There is Nothing More Powerful Than An Idea Whose Time has come.” -Victor Hugo

The IUL Is Sweeping The Country

SOURCE: Winks Sales and Market Report 2nd Quarter 2015

Sales Are Surging Over

$1 Billion Every Year

"IUL premium grew 36 percent in the fourth quarter and 23 percent in 2014. IUL experienced the strongest growth in

absolute dollars for both the quarter and the year. IUL now represents the majority of all UL premium at 52 percent

and represents 20 percent of all individual life premium.”

Ashley Durham, senior research analyst, LIMRA Insurance Research.

SOURCE: http://www.limra.com/Posts/PR/News_Releases/LIMRA__Individual_Life_Insurance_Sales_Experience_Strong_Fourth_Quarter_Growth.aspx

Your Numbers

Best Financial Strategy?Protection from crashesAccess to moneyTax deferred growth Lifetime Tax free incomeDeath BenefitProtection from creditorsChronic / Critical Illness protectionDecent returnKeeps up with inflation Low Fees