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Guardian Financial v8r6 (Retire Earlier)

3.1.16

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Transcript of Guardian Financial v8r6 (Retire Earlier)

$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

$100
$100
$50
50% loss

100% Gain
25%
Average Rate of Return
0%
Average Growth
Which Line Would You Prefer?
Greatest Dangers to a Healthy Retirement Plan
No Plan
Risk
Sequence of Returns
Inflation
Health Care Costs
Taxation
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

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
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 Index
-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 the S&P500 Index. For educational purposes only. Past performance is no guarantee of future results. See your packet for important disclosures.
Compound Annual Growth Rate
10.08%
4.71%
Return in 2008
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
Market Risks
Sequence Risks
Tax Risks
Withdrawal Risks
Utilized Different
Account
Tax Deferred Growth
No Market Risks
No Sequence Risks
Withdrawal Risks
A Better Plan for You
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
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 3rd quarter 2015. Investors cannot invest directly into an index. See your packet 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
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
Requires 100% of your portfolio to generate retirement income
Uses only a percentage of your portfolio to generate income
50%
*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.

100%
150%
50%
Mañana Plan
Hodgepodge Plan
Can You Retire Earlier
Than You Think

54%
At a rate of
$1
you pay
Most Important Questions
To Ask Your Broker

5 deposits of

$22,500
$103,000
63% better than
$63,362
College Quick Reference
The CVS System
Retirement Ready-or-Not
What-If Analysis
Aid Eligibility Comparison Report
Complete College Planning Relief Resource Kit
CPR-College Planning Relief Professional Counseling
Industry-Leading Career Matchmaker Assessment
Detailed Scholarship Search Tools
Career Exploration
Step-By-Step College Portfolio Development
Financial Aid Guides
SAT & ACT Prep Program
Complete Month-by-Month Detailed Plan For Every Year of High School
Live Academic Adviser Webinars
Student Financial Literacy Program
Interactive College Maps for All Four-Year and Two-Year Colleges
"Ask the Academic Expert" Support
The Best Life Guide to Choosing a Financial Advisor
Chris Taylor - April 14, 2008
3 Mentors Ultimate Vision
Using 3% Average Annual Inflation Rate
But what if it got even better?
1/1/2007
9/30/2015
Please see disclosures provided for methodology. Returns are hypothetical.
Maximum Drawdown
1/1/2007
9/30/2015
Please see disclosures provided for methodology. Returns are hypothetical.
Please see disclosures provided for methodology. Returns are hypothetical.
Source: YahooFinance.com
S&P 500 Index
The graph above is not an actual investment program. Investors cannot invest directly into the S&P500 Index. For educational purposes only. Past performance is no guarantee of future results. See your packet for important disclosures.
Since 1/1/2000
Source: YahooFinance.com
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.
No tax or investment advice will be given
You’ll come in as a friend...
and you’ll leave as a friend
The High Cost of Inflation
*Through May 31, 2015
Source: Forbes.com - "U.S. Health Care Costs Rise Faster Than Inflation" -
Mike Patton - June 29, 2015
INDEXED UNIVERSAL LIFE
$10,000
$15,000
$6,000
Cash Value:
$7,934
Health Care Costs:
$13,993
2005
2015
2010
Actual values may be different from these estimated values.
$100,000
$200,000
$400,000
$800,000
$100,000
$200,000
$400,000
-50%
$50,000
What if just one of these goes wrong?
What makes all of these worse?
50%
50%
Needed to generate $40,000/yr
Available to you
*Example assumes a $1M portfolio
$1,000,000
1.9% Rule
2.8% Rule
1.49% Rule
$1,000,000
4% Rule
My Invitation to you
Full transcript