Senior Financial Services
Michael Gibson
For the Courtesy
of all Guests,
Please Silence
Cell Phones
Looking Down the Road
Asset
Estate
Distribution
Allocation
Taxes
Outliving
Income
Special
Nursing
Probate
Replacement
Your
Needs
Home
Income
Taxes
Our Goal is to
Pave That Road
for our Clients.
Our Commitment to You
1. To Provide Sound Information
2. Help you Identify Goals and Challenges
3. Recommend Beneficial Solutions
What Makes us Different?
All Top Professionals On Staff
Our Focus:
•Insurance Representatives
•Registered
Investment Advisors
•Reducing
Taxes
Independent Advisors
•Independent
Attorney
Network
•Increasing
Spendable
Income
•Independent
CPA Network
•Keeping
Your Money
Safe and Secure
•CertifiedYour
Senior
Advisors
•Protecting
Financial
Legacy
www.smartmoneyconcepts.org
Brad Mattix
Seminar Evaluation Sheet
Senior Financial Services
Please Print
Investment and Retirement Planning Strategies
3 30 10
Date ___/___/___
John and Joyce Jones
Name ____________________________________________________
Address __________________________________________________
2 Livin The Dream Blvd.
Anywhere, USA
1212
City / State / Zip ___________________________________________
Phone: (555 )555
______________
I would like more information on the following:

Reducing Taxes
 Roth IRA Conversion

Tax Deferral

Long Term Care Alternatives
 IRA Rollover

Fixed/Indexed Annuity
 Avoiding Probate

Life Insurance
 Wealth Transfer
 Estate Planning

Charitable Trusts
 Other___________
 Yes I want to have my no-cost—tax-saver one-hour visit!
Which Day is best for you? (Circle one or more)
Monday
Tuesday
Wednesday
Thursday
Which Time is best? (Circle one or more)
Morning
Afternoon
Evening
Friday
Today’s Topics:
The Life Cycle of Money
1. Accumulation
2. Preservation
3. Distribution
•Avoiding
Unnecessary
•Keeping More
Taxes
of
What You Have
•What
Affects
the
•Keeping
up With
Growth
of Your
•Tax-Advantaged
Inflation
Money
Growth
•Passing it on
(When
•Avoiding
I’m Loss
Gone)
The Life Cycle of Money
Preservation
Retirement
Accumulation
Working
0
20
40
Distribution
Planning
60
80
100
What’s Important About Your
Money To You?
What Affects the
Growth of Your Money
Inflation
Taxes
Market Uncertainty
What Affects the Growth of Your Money
Inflation
Current
Rate :
4.94%
Source: US
Department of Labor
2010
How Inflation Affects Purchasing Power
1975
$100,000
2010
$405,225
At 4% Inflation…
To Maintain Current
Lifestyle…
…A 62 Year Old Retiring
Today Will Need to Earn
• 48% more income by age 72
• 100% more income by age 80
•Service Charge Tax
•Sales Tax
•Telephone Usage Tax
•Medicare Tax
•State Tax
•Real Estate Tax
•Personal Property Tax
•Excise Tax
•Gasoline Tax
•Utility Tax
Social Security Tax
How Taxes and Inflation Affect Growth
Investment
$50,000
Interest @
1.26%
$630
Taxes
25%
($158)
@
Net Return
Inflation @ 4.94%
Actual Return:
$50,473
(2,493)
$47,980
Key to Reducing Taxes:
Reduce
Reportable,
Taxable Income
Where do I Start?
•What is my Income Tax Bracket?
•Am I Paying Taxes on Money I’m not
Using?
•Am I Paying Tax on my Social Security
Unnecessarily?
8th Wonder of the World
Tax-Deferral
Interest on Your Principal
Interest on Your Interest
Interest on the Money You Would Have Paid in
Taxes
The Power of Tax-Deferral
$153,263
$123,799
$179,084
$133,823
Taxable
TaxDeferred
+25,823
+10,024
+18,593
+7,217
After Taxes
10
5 year
yeargrowth
growthof
of $100,000
$100,000 @
@6%
6%
28% Tax Bracket
Tax Deferred Accounts
•Retirement Accounts: IRA’s,
401k’s, 403b’s
•Life Insurance Policies
•Annuities
How is Social Security Income Taxed?
The Amount of Income
Taxes Paid on Social
Security Depends Upon
Your Total Income.
Taxable Income
½ Social Security
Pension(s)
US Treasuries
Certificate of Deposits
Money Market Accounts
Passbook Savings
Dividends: Mutual Funds
Annuity Withdrawals
Corporate Bonds
401K Income
403B Income
+ IRA Income
__________________________
= Total Combined Income
Single
Married
Total Combined
Income
Taxable
Percentage of
Social Security
$25,000 to
$34,000
50%
Over $34,000
85%
$32,000 to
$44,000
50%
Over $44,000
85%
Eliminating Taxes on Social Security
Adjusted Gross Income for Single Person
½ Social Security
$ 5,700
½ Social Security
$ 5,700
Pension
$18,200
Pension
$18,200
Total Tax Reduction
Dividend Interest
$ 9,500
Tax-Deferred
$ 9,500
CD Interest
$ 7,500
Tax-Deferred
$ 7,500
IRA Income
$ 1,000
Adjusted Gross
Income
IRA Income
= $6,740
= $41,900
Adjusted Gross
Income
$ 1,000
= $24,900
% of Social Security Taxable:
85%
% of Social Security Taxable:
0%
Tax Bracket: 25%
Tax Bracket: 15%
Tax Due: $10,475
Tax Due: $3,735
Market Volatility
“I’m not as
concerned
about the return
on my money as
the return of my
money!”
--Mark Twain
Risky Choices
•Stocks
•Bonds
•Mutual Funds
•Variable
Investments
•Fees
•Can Lose
Money
1.01%
2.33%
How Much Should I Have at Risk?
RULE OF 100
100 minus Age = Maximum % Risk
100
-65
=35
Managing IRA Accounts
•
•
•
•
•
•
401k
403b
IRA
SEP IRA
KEOGH
ROTH IRA
ENRON
TWA
BETHLEHEM STEEL
POLAROID
GLOBAL CROSSING
US AIRWAYS
WORLDCOM
IRA Rollover
Taking Control of Your Money
RISK
SAFE
•STOCKS
•BONDS
•MUTUAL FUNDS
CD’S
•SAVINGS
•MONEY MARKETS
•ANNUITIES
•VARIABLE INVESTMENTS
IRS Code 1035
Tax-Free
Exchange
Safe Choices
•Savings
Accounts
•Money Markets
•CD’s
•Fixed Annuities
•Safety
•Flexibility
•Guarantees
Current CD Interest Rates
6 Month CD
1.00%
1 YR CD
1.26%
5 YR CD
1.80%
1 YR IRA CD
1.28%
5 YR IRA CD
1.85%
Safety
FDIC Insured
•Banks
For Every Dollar
Invested…
•Credit Unions
•Money Markets
•CD’s
The FDIC Requires .07
Cents in Reserve
Safety
Insurance Company
For Every Dollar Invested…
•Fixed Annuities
•Life Insurance
…One Dollar is Reserved
The Fixed Annuity
You
Income
Deposit
Insurance
Company
Variable Annuity
Variable Annuity
Invested in Various
Mutual Funds
Fees for EACH
Mutual Fund
.05 to 7%
Policy
Administration
Fees
Brokerage Fee
CD vs. Fixed Annuity
The Differences:
Time Deposit With a Bank
CD
Higher Interest
Fixed
Time Deposit With an
•Grows Tax-Deferred Annuity
Insurance Company
•Penalty Free Access
• Avoids Probate
The Fixed Indexed Annuity
Take Advantage of Stock Market Gains
Without the Risk.
Guaranteed Return of Your Principal.
The Fixed Indexed Annuity
Earnings
S&P 500
Can be
Linked to an Index
• Coca-Cola
& P 500
•SMicrosoft
Home Industrial
Depot
Dow• Jones
• Federal
Express
Average
• Kellog Co.
NASDAQ
• McDonalds
Aviva Approval # 12073 081108
S & P Average
Indexed Annuity
Guaranteed Interest
$160,747
142,576
$108,789
100K
98 99 00 01 02 03 04 05 06 07 08 09 10
Income Options
•Interest Only
•Specific Amount
•Specified Period
5, 10, 15, 20 Years
Lifetime Income
Age
70
Age
87
Annuities For Long-Term Planning
Retirement Income
Safety
You Control When You Pay
Taxes
Tax Deferred Accumulation
Avoid Probate
Wealth Transfer: Passing it on
Distribution
Distribution
Planning
Planning
00
2020 4040 60 60 80 80 100 100120
“If I have a nickel in my
pocket when I die,
I miscalculated.”
--Will Rogers
Estate Planning
Powers of Attorney
Trusts
 Wills & Living Wills
Asset Record
Estate Overview
 Investments
 Insurance
 Titles & Deeds
 Promissory Notes
 Last Instructions for Family
ASSETS
Real Estate Stocks Bonds Mutual Funds Bank Accounts
Probate
Beneficiaries
6% to 8%
•Court Costs
•Attorney Fees
•Taxes
•Delays
Estate Taxes
35% Federal
Estate Tax
Wealth Transfers Through Life Insurance
•Liquidity
•Tax-Free Inheritance
•Probate-Free
•Creates an Immediate Estate
•Final Expenses
$50,000
Taxable
Investment
$50,000
Buys
$200,000
Taxes on Growth
Tax-Free Growth
Taxes at Death
Tax-Free at Death
$35,000 to
Heirs
$200,000 to
Heirs
More Bang for the Buck.
$87,000 Death
Benefit
$49,878 Cash
Value
$174,307 Death
Benefit
Additional $87,307 Tax-Free Death Benefit
This illustration is a First Colony Life $50,000 single pay UL premium based on a healthy 70 year old female.
THE NEXT STEP
… the next step is your free
Consultation
• Recent Financial Statements
• Tax Return
• Insurance Policies
We Guarantee That You Will
Not Be Disappointed!
Seminar Evaluation Sheet
Senior Financial Planning
Please Print
Investment and Retirement Planning Strategies
3 30 10
Date ___/___/___
John and Joyce Jones
Name ____________________________________________________
Address __________________________________________________
2 Livin The Dream Blvd.
Anywhere, USA
1212
City / State / Zip ___________________________________________
Phone: (555 )555
______________
I would like more information on the following:

Reducing Taxes
 Roth IRA Conversion

Tax Deferral

Long Term Care Alternatives
 IRA Rollover

Fixed/Indexed Annuity
 Avoiding Probate

Life Insurance
 Wealth Transfer
 Estate Planning

Charitable Trusts
 Other___________

Yes I want to have my no-cost—tax-saver one-hour visit!
Which Day is best for you? (Circle one or more)
Monday
Tuesday
Wednesday
Thursday
Which Time is best? (Circle one or more)
Morning
Afternoon
Evening
Friday
Mall St.
Matthews
Oxmoor Mall
Black Marble Sign
4500
264
64
SF
P
Financial Planning Strategies for Retirement
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Asset Protection
Concerned About Retirement?
Retirees today face many challenges. From health care issues to the decreasing value
of a dollar, seniors' concerns about the security of their financial well-being is
growing. According to the National Council on Aging (NCOA), 54% of seniors still
working, do so because they are afraid of not having enough money. Rising costs of
prescription drugs, social security taxation, slow-growing market economy,
relatively low interest rates, inflation climbing and the possibility of needing longterm health care have all been major factors in today's retirement landscape. By
utilizing tax-deferred, tax- advantaged and special government programs offered to
seniors over age 62, retirement concerns can be lessened dramatically. The right
program can help retirees and pre-retirees put their financial concerns to rest.
Visit Our Website:
www.seniorfinancialplanning.org
Senior Financial Services
3007A Charlestown Crossing Way  Suite 200  New Albany, in 47150
Tumbleweed
(812) 941-8882 (800) 314-3801 Fax (812) 941-6810
Republic
Bank
Charlestown Crossing
265
311
Mt. Tabor
Blackiston Mill
From I-265, travel north on Charlestown Road ¼ mile to Charlestown Crossing.
Turn left.
Pass Republic Bank on the right.
Turn right ( in front of Tumbleweed ) and our office is directly in front of you.
What You Will Need to Bring With You to Your Appointment:
1. Most Recent Financial Statements
2. Last Years Tax Return
3. Any Policies or Documents You Would Like Reviewed (ie. Long-term Care,
Life Insurance Policies)
Market Volatility
Preservation
Retirement
Distribution
Accumulation
Working
0
20
40
Planning
60
80
100
Types of Fixed Annuities
1.Immediate Annuities
2.Deferred Annuities