“Where does your money go?”
Consumer Debt
21%
Living Expenses
12%
3%
Insurance
15%
Taxes
28%
Mortgage
21%
100
80
60
54%
36%
40
20
1%
Wealthy
4%
5%
Secure
Passed
Away
Working
Broke
Living Expenses &
Insurance
27%
Investments
&
Savings
59%
Taxes
14%
Consumer
Debt
21%
Mortgage
21%
Cashflow GPS
Three Components
1.
2.
Your 1st Mortgage
Advance Line of Credit (ALOC)
3.
GPS Software & Web Site
CASHFLOW GPS
Component #1: Your 1st Mortgage
Closed End Loan
 The lender at minimum will apply a full
scheduled payment
 We can pay money in but cannot withdraw
 Driven by an amortization schedule
 Calculates interest charges from monthend principal balance
Your 1st Mortgage
30 yr Fully Amortized Loan
$200,000 Principal Balance
6%
Interest Rate
$1,199.10 Monthly Payment
Principal
Interest
Balance
Equity
Paid
Month 1
$199.10
$1,000.00
Month 2
$200.10
$999.00
Year 1
$210.33
$988.77
$197,543
$2,457
$14,389
Year 5
$267.22
$931.88
$186,108
$13,891
$71,946
Year 10
$360.44
$838.66
$167,371
$32,628
$143,891
Year 21
$696.23
$502.89
$99,877
$100,123
$302,173
Year 30
$431,677
Cashflow GPS
Component #2:
Your Advanced Line of Credit (ALOC)
Open End Loan

The lender will apply money to loan balance
when received

Lender will adjust principal balance multiple
times per month

Views daily balance to assess interest charges

Allows money to come in and go out
Options for your ALOC
Home Equity Line of Credit
1.
2.
Personal Line of Credit
3.
Business Line of Credit
4.
Credit Card
$200,000
Mortgage
Closed End
loan
Open End
loan
 8-20%
 8-20%
Average
Daily Balance
$20,000
$10,000
$15,000
$18,000
Open Ended
Available
HELOC
$18,000
Available
HELOC
Cashflow GPS
Sample Family / Cash Flow GPS
$5,000 Monthly income
-$4,000 Living expense (mortgage, car payment)
$1,000 Discretionary income (left over $$$)
Month 1
$20.83
Month 2
$12.50
$3,500
$4,000
$7,500
$5,000
$2,500
Cash Flow GPS
Expenses
$4,000
$6,500
$5,000
$1,500
Expenses
Income
Average Daily Balance
Income
Average Daily Balance
Month 3 $1,500
3 month total
$34.80
$68.13
$4,000
$5,500
$5,000
$ 500
$3,675.77
$4,175.77
Expenses
Income
Reduced mortgage by
Funds transfer
18 months
Average monthly
balance
Interest Cancellation
$17,249
Principal Jump
Interest
Month 1
199.10
1,000.00
Month 2
200.10
999.00
199,600.80
358
Month 3
201.10
998.00
195,723.93
339
Month 4
220.48
`
978.62
$ 19.38
195,503.45
338
Month 5
Balance
Remaining
Payments
Principal
199,800.90
$220.48
$201.10
359
Month 12 $2,003.68
12 month total
$32.68
$297.89
$4,000
$6,003.68
$5,000
$1,003.68
$2,917.67
$3,921.35
Expenses
Income
12 month
total by
Reduced
mortgage
Funds transfer
Reduced
mortgage by
14 months
Average monthly balance
53 months
12 month
total
Interest
Cancellation
Interest
Cancellation
$ 10,184
$50,862
Principal Jump
Interest
Month 10
256.59
942.51
Month 11
257.87
941.23
187,987.99
307
Month 12
259.16
939.94
184.811.16
295
Month 13
275.04
Month 14
`
Balance
Remaining
Payments
Principal
188,245.86
$275.04
$199.10
924.06
$ 75.94
184,536.12
308
294
Cashflow GPS
AW STRATEGIES
Conventional
Program
Starting
Balance
Balance in 1 Year
$184,811
Repayment Time
Total Interest Paid
9.7 years
$67,096
Total Interest Savings
Balance in 5 Years
$184,752
30 years
$500,000
$470,000
$440,000
$410,000
$380,000
$350,000
$320,000
$290,000
$260,000
$230,000
$200,000
$180,000
$160,000
$140,000
$120,000
$100,000
$80,000
$60,000
$40,000
$20,000
5
10
15
20
Years
25
30
Investments
Living Expenses
.
&
45%
Savings
12%
Insurance
15%
Taxes
28%
 Upside returns.
 Grows tax free.
 No risk of principle loss.
 No Fees.
 Lawsuit proof.
 Creditor proof.
 Flexibility.
 Liquidity.
Finances $50,000 every 4 years,
re-capturing the $94,501.11 in
interest!
MALE, AGE 30
Dividends to paid-up additions
Initial Funding
Cash Value
Death Benefit
$1,233,439 L/65 Preferred Non-smoker
Paid-Up Additions Rider
Total Premium
$160,000
$157,363
$1,684,787
$14,999.99
$25,000
$40,000
100
80
60
54%
36%
40
20
1%
Wealthy
4%
5%
Secure
Passed
Away
Working
Broke
MALE, AGE 30
Dividends to paid-up additions
$1,233,439 L/65 Preferred Non-smoker
Paid-Up Additions Rider
Total Premium
Initial Funding
$160,000
Cash Value at age 66
$1,517,320
Income for 19 years
$1,748,000
Death Benefit at age 84 $2,407,736
All Income Tax-Free
$14,999.99
$25,000
$40,000
MALE, AGE 30
Dividends to paid-up additions
$1,233,439 L/65 Preferred Non-smoker
Paid-Up Additions Rider
Total Premium
Initial Funding
Year 4 Surrender Value
Vehicle Loan
$160,000
$157,363
$ 52,600
$14,999.99
$25,000
$40,000
MALE, AGE 30
Dividends to paid-up additions
$1,233,439 L/65 Preferred Non-smoker
Paid-Up Additions Rider
Total Premium
Initial Funding
Car Loan
Total Car Loans
Cash Value at Age 65
Retirement Income to age 84
Death Benefit at age 84
All Income Tax-Free
$160,000
$ 52,600
$473,400
$1,988,254
$2,350,000
$3,119,289
$14,999.99
$25,000
$40,000