Maximizing Receipts: Capitalizing on Expenses

Building and sustaining financial stewardship

© 2006-2008 accruWealth.com

CONVERTING LIABILITIES

INTO ASSETS

FOOD FOR THOUGHT


Building and sustaining financial stewardshipBuilding and sustaining financial stewardship


To educate our clients to utilize reliable, financial principles fundamental to making effective decisions about their money.


I.R.S. Compliant

Subject to Federal & State Law

Subordinate to the S.E.C.



BANKS

CORPORATIONS (FORTUNE 500)

CHARITIES

INDIVIDUALS


0 5Years

Simple Interest

(Expenses)

Compound Interest

(Principle)




PRINCIPLE

DECREASES





ROOT CAUSE: MISALIGNED ASSETS

Debt to

Equity

Ratios

Tax

Liabilities

Devaluing

Cash





Government Incentives

Penalties & Inducements

Betting on future tax rates



$2895

A Veterinarian Dental X-Ray MachineTo purchase a Dental X-Ray Machine for $2895.00 you have two choices:

1) Pay cash 2) Finance



Assume Age is 45

Price of veterinary Dental X-Ray Machine is $2895.00

Pay cash or finance for three years at 5%



$2895

If you finance, the cost is

$3125


If you pay cash the cost is

$7,681.30


$700 Billion Recovery Plan

Tightening of Credit for Middle America

Establish & Control your own line of

credit



Guaranteed Principle & Interest

High Levels of liquidity without the penalty

Tax Preferential (Tax Free) Growth© 2006-2008 accruWealth.com


Commercial

Building or

Residence?Stock

401ks,

403bs, IRAsBanks

Insurance

Companies



Hybrid Life Insurance ContractsCash Accessible within six monthsCash may be credit protectedCash grows tax freeAccessible now w/o penaltiesServes as collateral for loans



Not death benefit – that’s a bonusNot the rate-of-return- that’s minimalNot the loan rate – that’s enviableA place to accruWealth most favorably



Create my own line of credit

Control the loan repayment schedule

Avoid loan application process

Access cash w/o negative impact on credit

Purpose



Your Mother’s Term Policy

Your Father’s Cash Value Policy

My Hybrid Permanent Life

Policy



20 Year Term

Age 100

Face Value (FV)$1,000,000


Age

100Time

Premiums

Face Value (FV)

$1,000,000

FV = CV

Cash Value (CV)

Base

Face Value (FV)

$1,750,000




Income Bank

PolicyDeath Benefit $800K


Opportunity


DISCOVERY

ASSESSMENT

EDUCATION

DESIGN




t: 425-374-5060e: [email protected]

www.accruWealth.com



Documents

Maximizing Receipts: Capitalizing on Expenses