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Guardian finanical v5

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Transcript of Guardian finanical v5

$0.51
Fiduciary Standard
SERIES

LICENSE
“It will take the average household over
thirty years
to recover the wealth lost in 2000 and 2001
from market declines”.


You are smart enough to make good financial decisions….
once you know the critical facts.
What Makes Us Different?
MBA
1983

IRS CIRCULAR 230 DISCLAIMER: TO ENSURE COMPLIANCE WITH IRS CIRCULAR 230, ANY U.S. FEDERAL TAX ADVICE PROVIDED IN THIS COMMUNICATION IS NOT INTENDED OR WRITTEN TO BE USED, AND IT CANNOT BE USED BY THE RECIPIENT OR ANY OTHER TAXPAYER (I) FOR THE PURPOSE OF AVOIDING TAX PENALTIES THAT MAY BE IMPOSED ON THE RECIPIENT OR ANY OTHER TAXPAYER, OR (II) IN PROMOTING, MARKETING OR RECOMMENDING TO ANOTHER PARTY, A PARTNERSHIP OR OTHER ENTITY, INVESTMENT PLAN, ARRANGEMENT OR OTHER TRANSACTION ADDRESSED HEREIN.
Before We Get Started…
Bringing Institutional Investing Techniques to Individual Investors

Brian Winterowd is an investment adviser representative of and offers investment and advisory services through Portfolio Medics, a Florida registered investment adviser. Nothing contained herein should be construed as a solicitation for investment advisory services. Guardian Financial Wealth Management and Portfolio Medics are not affiliated.  Portfolio Medics uses Active Management as an Investment Strategy to reduce the risk of investing in the stock market and improve the opportunity for investment returns for clients with traditional IRA’s, Roth IRA’s, Trusts, 401(k), 403(b) or other specialized plans.

Past performance is no guarantee of future results.

Notice of Confidentiality: This E-mail and any of its attachments may contain Portfolio Medics proprietary information, which is privileged, confidential, or subject to copyright belonging to Portfolio Medics.  This E-mail is intended solely for the use of the individual or entity to which it is addressed.  If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. The presence of this Web Site on the Internet and e-mail shall in no way raise any implication or inference that the firm is offering to sell or selling investment advisory services in any state or states other than where registered as an investment adviser.  If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout.

$100
$100
$50
50% loss

100% Gain
25%
Rate of Return
0%
Growth
Which Line Would You Prefer?
Greatest Dangers to a Healthy Retirement Plan
No Plan
Risk
Sequence of Returns
Inflation
Health Care Costs
Taxation
$100,000
$200,000
$400,000
$800,000
The True
Costs of Loss
1 Mil
1.5 Mil
2 Mil
1996
1999
2005
2010
2015
0.6 Mil
0.2 Mil
$1,000,000
S&P 500
January - 1999
January - 2015
4.00%
3.00%

Total Growth
$1,490,427
$282,416
300K
250K
200K
150K
100K
50K
1
5
10
15
20
25
30
35
40
Annual Expense

Retirement Year
More Income Required
The High Cost of Inflation
Brian Winterowd is an investment adviser representative of and offers investment and advisory services through Portfolio Medics, a Florida registered investment adviser. Nothing contained herein should be construed as a solicitation for investment advisory services. Guardian Financial Wealth Management is a licensed insurance agency. Brian Winterowd provides insurance services to clients through Guardian, which is separate from Mr. Winterowd’s role as an investment adviser representative of Portfolio Medics. Nothing in this message should be construed as investment advice. Guardian Financial Wealth Management and Portfolio Medics are not affiliated.

512-844-8200

96%
of professional money managers do worse than the S&P 500 index”.

1250 South Loop 360
Office
Round Rock Office
$175,000
$150,000
$100,000
$50,000
$100,000
$200,000
$400,000
$150,000
Retired in 1996
Retired in 1999
Goodness of Investments
Guaranteed Increasing Cash Flow
1 Mil
1.5 Mil
2000
2002
0.7 Mil
2004
2006
2008
2010
S&P 500 Since 1/1/2000
-46%
-52%
84%
Requires
500
Dec '07
1000
1500
1750
Mar '08
Jun '08
Sep '08
Dec '08
Mar '09
Biggest Problem with Investments
Hold 'em
Anti-Churning
The graph above is not an actual investment program. Investors cannot invest directly into an index. For educational purposes only.. Past performance is no guarantee of future results. Please see the information at the end of this presentation for important disclosures.

Return Since 1/2007
10.08%
4.71%
Return in 2008
Maximum Drawdown
AMP DP I Weights
S&P 500
Barclays Bond Index
10.95%
13.01
%
11.79%
4.73%
AMP DP II Weights
AMP DP III Weights
AMP DP IV Weights
8.86%
AMP DP I Weights
7.47%
3.70%
6.09%
AMP DP II Weights
AMP DP III Weights
AMP DP IV Weights
-5.20%
AMP DP I Weights
-6.36%
-10.84%
-7.61%
AMP DP II Weights
AMP DP III Weights
AMP DP IV Weights
Financial Crisis
$50,000
/yr
$50,000
/yr
$50,000
/yr
$10,000
/yr
$10,000
/yr
$10,000
/yr
3% Match
No Match
No Match
35 to 65
6%
35 to 65
6%
35 to 65
6%
Salary
Savings
RoR
Bill
Anne
Allen
Typical
Tax-Deferred Options
401K
Market Risks
Sequence Risks
Tax Risks
Withdrawal Risks
Saved with a Broker
401K
Market Risks
Sequence Risks
Tax Risks
Withdrawal Risks
Utilized Different
Account
Tax Deferred Growth
No Market Risks
No Sequence Risks
Tax Risks
Withdrawal Risks
A "Different" Option
Are You On the Right Track?
Why Statement
Caps
Dollar cost Averaging
Stocks
$
Buy and Hold
$0.01
$1.00
Buy low, Sell High
Insurance Plans
$
$
$
Mutual Funds
Asset Allocation
Diversification
Growth to Recover
108%
Requires
Growth to Recover
-50%
5.24%
S&P 500
Barclays Bond Index
-37.00%
-3.83%
S&P 500
Barclays Bond Index
-50.95%
130%
75%
200%
100%
0%
-100%
Cululative Return
Hypothetical data taken from Portfolio Medics AMP Diversified (DP) data sheet. DP I-IV are portfolios offered by Portfolio Medics and are illustrated net of a 2.60% management fee. Data is through 2nd quarter 2015. Investors cannot invest directly into an index. See data at the end of this presentation for important disclosures. This is not an offering of an investment program. Past performance, including hypothetical performance, is no guarantee of future results.
401K
403B
457
Brokerage Accounts
Investment Amount:
Index to Illustrate:

Beginning Month/Year:
Ending Month/Year:
Annual Income Withdrawal:
Annual Income Withdrawal COLA:
Retired in 1999
$1,000,000
S&P 500
January - 1996
January - 2015
4.00%
3.00%
Investment Amount:
Index to Illustrate:

Beginning Month/Year:
Ending Month/Year:
Annual Income Withdrawal:
Annual Income Withdrawal COLA:
Retired in 1996
49%

Total Growth
-72%
317%
$27,449
$26,648
$63,362
$19,214
$18,653
$63,362
Bill's
Anne's
Allen's
Net Income
401K
Brokerage Account
Different Account
Safe Withdrawal
Rate (4%)
Safe Withdrawal
Rate (4%)
Safe Withdrawal
Rate (0%)
New Safe Withdrawal Rate (2.8%)
New Safe Withdrawal Rate (2.8%)
New Safe Withdrawal Rate (0%)
20%
of
$310,000/yr

$84,483
in a
25%
tax bracket

Tax-Free Income
Tax-Free Growth
Safe from Market Loss
Litigation
Proof
Extraordinary
Liquidity
Avoids Probate
INDEXED UNIVERSAL LIFE
The Wealthiest Generation
Today's Retirees
Income in retirement is covered for most with a pension and Social Security benefits.
Assets and savings are “surplus” money.
Still saving money every month.
Fill an income gap for an unknown amount of time with a set amount of money.
Asset Allocation
Income Allocation
4% Rule=$40,000
Requires 100% of your portfolio to generate retirement income
Uses only a percentage of your portfolio to generate income
50%
50%
Needed to generate $40,00/yr
Available to you
*Example assumes a $1M portfolio
*Example assumes a $1M portfolio
What if what you thought to be true wasn’t?

Bottle? Baseball?
Small
Medium
Large
7-23
24-40
41-57
58-75
7-23
24-40
41-57
58-75
7-23
24-40
41-57
58-75
“What counts is what you learn after you know it all.”
-John Wooden


Social Security is Taxable


of annual SS benefit is taxable if...

Married and provisional income is greater than
IRAs
Required Minimum Distributions (RMDs)
Will your income tax bracket bracket be higher or lower in the future?

50%
$44,000
$34,000
Married and provisional income is greater than
Married and provisional income is greater than
$32,000
$25,000
Single and provisional income is greater than

of annual SS benefit is taxable if...

85%
Age
RMD%
70
75
80
85
90
95
100
3.65%
4.37%
5.35%
6.76%
8.77%
11.62%
15.42%
$1
Every additional
You take from an
IRA or 401(k)

$0.85
Another
of Social Security is taxed

$1.85
Turning $1 into
of Taxable Income

28%
$1
Your Effective Tax Rate is 51%
At a rate of
you pay
in tax on that
Social Security Tax Reduction

Assume $24,000 from SSI and $22,000 from a pension.

54%
100%
$1
150%
50%
$22,500
66
Allen's
Different Account
5 deposits of
Retirement income
at age
$103,000
63% better than $63,362
Manana Plan
Hodgepodge Plan
Full transcript