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Guardian finanical v2

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Transcript of Guardian finanical v2

A "Different" Option
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 - 1996
January - 2015
4.00%
3.00%
$1,000,000
S&P 500
January - 1999
January - 2015
4.00%
3.00%
49%
Total Growth
$1,490,427
-72% Total Growth
$282,416
U.S Health Care Costs Rise Higher Than Inflation
300K
250K
200K
150K
100K
50K
1
5
10
15
20
25
30
35
40
Annual Expense

Retirement Year
317%
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
Investment Amount:
Index to Illustrate:

Beginning Month/Year:
Ending Month/Year:
Annual Income Withdrawal:
Annual Income Withdrawal COLA:
Retired in 1996
Retired in 1999
-72%
Total Growth
$
$0.01
$1.00
$
$
$
Goodness of Investments
Are You
On The Right Track?

Why
Statement

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
108%
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
After Fee
Returns
Index Returns
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
After Fee
Returns
Index Returns
After Fee
Returns
Index Returns
8.86%
5.24%
AMP DP I Weights
S&P 500
Barclays Bond Index
7.47%
3.70%
6.09%
-37.00%
AMP DP II Weights
AMP DP III Weights
AMP DP IV Weights
-5.20%
-3.83%
AMP DP I Weights
S&P 500
Barclays Bond Index
-6.36%
-10.84%
-7.61%
-50.95%
AMP DP II Weights
AMP DP III Weights
AMP DP IV Weights
Financial Crisis
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.
200%
100%
0%
-100%
Cululative Return
401K
403B
457
Brokerage Accounts
$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
Full transcript