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8/14/2019 SEMINAR - Retirement Challenges
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Retirement ChallengesRetirement Challenges
WE WELCOME YOUWE WELCOME YOU
Securities and advisory services offered through SMH Capital, Inc. Member FINRA/SIPC.Securities and advisory services offered through SMH Capital, Inc. Member FINRA/SIPC.This Firm is not a CPA Firm --This Firm is not a CPA Firm --www.HoustonRetirementCoach.comwww.HoustonRetirementCoach.com
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Disclosure:
This seminar presentation is intended for This seminar presentation is intended for general informationgeneral information
purposes only and does not and is not intended to providepurposes only and does not and is not intended to provide
specific investment advice or recommendations’ for anyspecific investment advice or recommendations’ for anyindividual. It is suggested that you consult with your tax, legalindividual. It is suggested that you consult with your tax, legal
and/or financial services professional regarding your individualand/or financial services professional regarding your individual
situation.situation. The views expressed are those of the presenter and may not The views expressed are those of the presenter and may not
necessarily reflect those held by SMH Capital, Inc. Materialnecessarily reflect those held by SMH Capital, Inc. Materialpresented is believed to be from a reliable sources and SMHpresented is believed to be from a reliable sources and SMHCapital, Inc. makes no representation as to it accuracy orCapital, Inc. makes no representation as to it accuracy orcompleteness. Not all of the concepts and ancillary programscompleteness. Not all of the concepts and ancillary programsdescribed in this seminar are available through SMH Capital,described in this seminar are available through SMH Capital,Inc., but are only available exclusively through OutlookInc., but are only available exclusively through Outlook
Financial Group, LLC.Financial Group, LLC. The examples that you are about to see in this presentation The examples that you are about to see in this presentationare hypothetical and a taxpayer/investor should note theare hypothetical and a taxpayer/investor should note thefollowing:following:
Strategies suggested may not return the results illustrated asStrategies suggested may not return the results illustrated asstrategies and risks will differ from client to clientstrategies and risks will differ from client to client
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PROPER FINANCIAL INVESTING IS NODIFFERENT THAN BUILDING BLOCKS.
WE BELIEVE YOU MUST SET
A SOLID
FOUNDATIONBEFORE YOUPROCEED.
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Is Much Easier Than You Realize
Bridging the investment gap
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No matter what stage of life
you're in. . .
We can assist in your finances!
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ALLEN NEUENSCHWANDERWILL BE TALKING ABOUT
The Key Strategies To HelpWith Your Financial Success!!
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77
INTRODUCING
ALLEN NEUENSCHWANDER
Houston Retirement Coach
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WE ARE NOT
ONLY HERE TO
GIVE YOU GOODSOLID
FINANCIAL
INFORMATION,WE WILL TRY TO
EDUCATE AND
ENTERTAIN YOUA LITTLE AS
WELL
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AN ELDER LAW & LIVING TRUSTATTORNEY AVAILABLE A FULLTIME CPA ON CALL
FULL ADVISORY AND ESTATEPLANNING SERVICES
OUR STATE-OF-THE-ARTFACILITY
IS A ONE-STOP FINANCIALIS A ONE-STOP FINANCIALCENTERCENTER
Elder Law & Living Trust Attorney and CPA services described in this seminar are notavailable through SMH Capital, Inc. but are only available through Outlook Financial Group,LLC.
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OUR STATE-OF-THE-ARTFACILITY
IS A ONE-STOP FINANCIALIS A ONE-STOP FINANCIALCENTERCENTER
INSURANCE SPECIALISTS FOR EVERY
TYPE OF PERSONAL INSURANCE
LONG-TERM CARE
HOME HEALTH INSURANCELIFE INSURANCEESTATE INSURANCE
…AND MORENot all Insurance services described above are available through SMH Capital,Inc. but are only available exclusively through Outlook Financial Group, LLC.
OS O S
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MOST PEOPLE SPENDMORE TIME PLANNING
THEIR VACATION THAN THAN
THEIR THEIRFINANCIALFINANCIALFUTUREFUTURE
WHICH MEANS THERE MIGHT
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1212
DON’T GAMBLE WITHDON’T GAMBLE WITH
YOUR FINANCES YOUR FINANCES
WE CAN HELP ADVISEWE CAN HELP ADVISE YOU IN MANY PHASES YOU IN MANY PHASES
OF INVESTINGOF INVESTING
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YOU NEED TO
LISTENCAREFULLY TOA
PROFESSIONAL FINANCIAL
ADVISOR, ANDWE NEED TO
LISTENCAREFULLY TO YOU.
•Neither SMH Capital, Inc. or its agents or employees provides tax, legal, or
accounting advice. Please consult with a qualified tax advisor or attorney forguidance in these areas.
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PLEASEPLEASE
COMPLETECOMPLETE THE MIDDLE THE MIDDLEPORTION OFPORTION OF
THE THE
WORKSHEETWORKSHEET
Thank you
Seminar Worksheet
Name ____________________________Age _____
Address ___________________________________
City & State _____________________ Zip _____
Phone _________________________ Date ______
I Would Like To Learn More About :
( ) How to lower my present taxes
( ) Greater income on my Savings & CD’s
( ) IRA & 401K
( ) Long Term Health Care
( ) Annuities
( ) Analyze my Insurance Policies
( ) Mutual Funds
( ) Portfolio Consultation ( ) Estate Planning
( ) Other __________________________________
The Best Time For My Complimentary
Consultation
MorningAfternoon Monday
Tuesday
Wednesday
Thursday
Friday
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GUIDING YOU
THROUGH THE ROUGHSPOTS AND
SHALLOWWATERS IS
WHAT GOOD
FINANCIALPLANNING ISALL ABOUT
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Will you out live your retirement income?Will you out live your retirement income?
Will your retirement money keep paceWill your retirement money keep pace
with inflation? (purchasing power risk)with inflation? (purchasing power risk) Will you need to pay for Long Term Care?Will you need to pay for Long Term Care?
Will there be anything left for your lovedWill there be anything left for your loved
ones?ones? Will taxes on social security erode your Will taxes on social security erode your
income?income?
Five Challenges For Retirees
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LET’S TALK ABOUT THE
REAL WORLD TODAY.
LET'S TALK ABOUT REALITY
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Tax Help from Uncle Sam?Tax Help from Uncle Sam?
Reducing TaxesReducing Taxeson Socialon SocialSecurity IncomeSecurity Income
Three Tax Three TaxReturnsReturns
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Hypothetical Basic AssumptionsHypothetical Basic Assumptions
•Married Couple - Filing a Joint Tax Return
•AGI= Total Income minus non-taxable Social Security Income
•Standard Deduction- $12,300
•Effective Tax Rate-13.30%
•Cash Generating Interest -$400,000
•Assumed Interested Rate- 5%
Strategies suggested may not return the results illustrated as strategies andrisks will differ from client to client including those with fewer or greaterassets or income. Results will vary depending on your specific situation. Thesestrategies are not designed to be a substitute for specific tax, legal,investment or other professional advice. For specific assistance the servicesof an appropriate professional should be sought.
Hypothetical Example: Married Couple Social Security TaxHypothetical Example: Married Couple Social Security Tax
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2020
Hypothetical Example: Married Couple Social Security TaxHypothetical Example: Married Couple Social Security TaxSource: IRS tax formSource: IRS tax form 10401040 / Publication 17/ Publication 17
Income from CD’sIncome from CD’s
Interest $20,000Interest $20,000
Social Security $20,000Social Security $20,000
Pension $30,000Pension $30,000
Total IncomeTotal Income $70,000$70,000 Taxable Social SecurityTaxable Social Security
IncomeIncome $12,800$12,800
Adjust Gross Income $62,800Adjust Gross Income $62,800
Taxable IncomeTaxable Income $43,900$43,900Total Federal TaxTotal Federal Tax $5,830$5,830
Interest Income & Tax Management
Bank Certificates of Deposit are FDIC Insured. This example isprovided for illustrative purposes only and is not intended to reflectan actual investment or predict future returns. It is designed to
illustrate the mathematical concepts being discussed. An investmentin any security will fluctuate in value and may be worth more or less
Hypothetical Example: Married Couple Social SecurityHypothetical Example: Married Couple Social Security
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Hypothetical Example: Married Couple Social SecurityHypothetical Example: Married Couple Social SecurityTax Source: IRS tax form 1040 / Publication 17Tax Source: IRS tax form 1040 / Publication 17
Income from Municipal BondsIncome from Municipal Bonds
InterestInterest $20,000$20,000
Social SecuritySocial Security $20,000$20,000
PensionsPensions $30,000$30,000
Total IncomeTotal Income $70,000$70,000 Taxable Social SecurityTaxable Social Security
IncomeIncome $12,800$12,800
Adjusted Gross Income $42,800Adjusted Gross Income $42,800
Taxable Income $23,900Taxable Income $23,900 Total Federal TaxTotal Federal Tax $2,830$2,830 $3,000 Tax$3,000 Tax
SavingsSavings
Interest Income & Tax Management
Please consider investment objectives, risks, charges, and expensesassociated with municipal bonds. The issuers official statement contains moreinformation and should be read carefully before investing. This example isprovided for illustrative purposes only and is not intended to reflect an actual
investment or predict future returns. It is designed to illustrate themathematical concepts being discussed. An investment in any security will
Hypothetical Example: Married Couple Social Security TaxHypothetical Example: Married Couple Social Security Tax
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2222
Hypothetical Example: Married Couple Social Security TaxHypothetical Example: Married Couple Social Security TaxSource: IRS tax form 1040 / Publication 17Source: IRS tax form 1040 / Publication 17
Deferred Income From an AnnuityDeferred Income From an Annuity
Interest (Deferred)Interest (Deferred) $(20,000)$(20,000)
Social SecuritySocial Security $20,000$20,000
PensionsPensions $30,000$30,000
Total IncomeTotal Income $50,000$50,000 Taxable Social SecurityTaxable Social Security
IncomeIncome $4,000$4,000
Adjusted Gross IncomeAdjusted Gross Income $34,000$34,000
Taxable Income $15,100Taxable Income $15,100 Total Federal TaxTotal Federal Tax $1,510$1,510 $4,320 Tax$4,320 Tax
SavingsSavings
Interest Income & Tax Management
This example is provided for illustrative purposes only and is notintended to reflect an actual investment or predict future returns. Itis designed to illustrate the mathematical concepts being discussed.
An investment in any security will fluctuate in value and may be
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2323
Does AnyoneDoes Anyone
Know What anKnow What an
Annuity Is?Annuity Is?•Annuity and Life Insurance products are issued by life insurance companies and are not insured bythe FDIC. They are backed by the claims paying ability of the issuing insurance company. Anywithdrawals may be subject to income tax and/or surrender charges and, prior to age 59½, a 10%federal penalty tax may apply . Withdrawals from the annuity are subject to ordinary income tax.
Variable Annuities:
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Variable Annuities:
Variable annuities are long-term investment vehicles designed for retirement where all
interest, dividends, and capital gains accumulate tax deferred. Taxable distributions and
certain deemed distributions are subject to ordinary income tax. Early surrender chargesmay also apply. In addition to tax deferral, variable annuities offer death benefits,
income protection benefits, annuity payout options, and professionally
managed equity based and fixed income investment options. Please note that there are
certain fees and charges associated with variable annuities such as mortality and expense
risk charges, administrative charges, and fund operating expenses. As with other
variable investments, the investment return and principal value of an investment will
fluctuate, therefore when redeemed, an investors units, may be worth more or less than
the original cost. In addition, any guarantees associated with the variable annuity are
based on the claims-paying ability of the issuing company and do not apply to the
investment performance or safety of the underlying funds in the variable annuity. The
prospectus contains details on the variable annuity, the sub accounts, the contractfeatures, the investment company, fees, charges, expenses and other pertinent
information. The prospectus can be obtained from your investment representative or the
issuing insurance company. Please read then carefully before you invest or send money.
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2525
Fixed Annuities:Fixed Annuities:
Fixed annuities are a contract between you and anFixed annuities are a contract between you and an
insurance company. Fixed annuities are designedinsurance company. Fixed annuities are designedfor long-term investing to help meet retirement andfor long-term investing to help meet retirement and
other long-range goals. Fixed annuities are notother long-range goals. Fixed annuities are notsuitable for short term goals because substantialsuitable for short term goals because substantial
tax penalties and early surrender charges maytax penalties and early surrender charges mayapply if you withdraw your money early.apply if you withdraw your money early.
SANNUITIES
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ANNUITIESANNUITIES
AREARE
..
(PRIVATE RETIREMENT ACCOUNTS)(PRIVATE RETIREMENT ACCOUNTS)
P. R. A.'s
•Investing in a tax-advantaged retirement plan such as an IRA, you willget no additional tax advantage from the fixed or variable annuity. Under these circumstances, you should only consider buying a fixed or variableannuity if it makes sense because of the annuity's other features, such aslifetime income payments and Death Benefit protection. These features
can be purchased at an additional cost.
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DID YOU KNOW THATDID YOU KNOW THAT
ANNUITIES AVOID
THEPROBATE
PROCESS???
IF YOU WANT TO POTENTIALLY
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COME IN TOCOME IN TO
SEE US !SEE US !
IF YOU WANT TO POTENTIALLYKEEP TAX DOLLARS IN YOUR
POCKET AND NOT LET THEM GO TO THE IRS
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2929
IN FORCE ILLUSTRATIONSIN FORCE ILLUSTRATIONS
LIFE INSURANCE
IF ANYONE IS UNHAPPY
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IF ANYONE IS UNHAPPY WITH A CURRENT
ANNUITY OR LIFEINSURANCE CONTRACT,
YOU MAY HAVE A WAY OUT!
E X I TE X I TE X I TE X I TE X I TE X I TE X I TE X I TE X I TE X I T
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HOW MANYPEOPLE HERE
KNOW ABOUTFORM 1035?
Tax Deferred exchange may not be appropriate for everyone. In most cases a new lifeinsurance and Annuity policy will have a new surrender charge schedule , which mayextend beyond that of the original policy. The cash value will be reduced by premiums
paid and other costs and charges for the new policy. There may be unfavorable taxconsequences caused by surrendering an existing policy, such as a potential tax on
outstanding policy loans.
HOW MANYPEOPLE HERE
KNOW ABOUTFORM 1035?
Tax Deferred exchange may not be appropriate for everyone. In most cases a new lifeinsurance and Annuity policy will have a new surrender charge schedule , which mayextend beyond that of the original policy. The cash value will be reduced by premiums
paid and other costs and charges for the new policy. There may be unfavorable taxconsequences caused by surrendering an existing policy, such as a potential tax on
outstanding policy loans.
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ARE YOUR ANNUITY
CONTRACTS OR
LIFE INSURANCE
POLICIES DUE
FOR A CHECKUP?
Actual Premium will vary based on underwriting results based on age, gender, and state of health. Not all clients will
qualify for coverage. Death benefit is guaranteed by the claims paying ability of the issuing insurance company. The
issuing company’s credit rating should be considered when contemplating a purchase.
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WE'LL LOOK AT THOSE
POLICIES FOR YOU
AT NO CHARGE!
IT IS A COMPLIMENTARY SERVICE WITH US !
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OUR JOB IS TO HELP YOU TOACHIEVE THIS
IT 'S NOT ONLY
PRESERVATION OFPRINCIPAL...IT'S ALSO
PRESERVATION OF
"SPENDING POWER"
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3535
Who’s BeenWho’s Been
Shopping CDShopping CD
Rates RecentlyRates Recently
YOU COULD LEAVE YOUR MONEY IN THE BANK BUT
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YOU COULD LEAVE YOUR MONEY IN THE BANK BUTINTEREST EARNED MAY NOT KEEP UP WITH INFLATION
What is the Banks Job?
CD’s are FDIC insured and offer a modest fixed rate of return.
Alternatively, both the principle and yield on investment
securities may fluctuate with changes in market conditions.
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OUR JOB
IS TO WORK
DIRECTLY
With
YOU!
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WHAT IS THE DIFFERENCE BETWEEN
V O LA T I L I T Y V O LA T I L I T YAND
RISK?RISK?
V OLAT ILIT Y
V OLAT ILIT Y V O L AT I L I T Y
V O L AT I L I T Y
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VOLATILITY
THIS IS GOING TO HAPPEN. IT’S THE NATURE OF
INVESTMENTS.
UPUP
DOWNDOWN
UPUP
DOWNDOWN
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OUR JOB IS TO BE YOURANCHOR
AND TRY TOPREVENTCLIENTS
FROM TAKING THE
WRONG
STEPS
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A RISK IS:
EROSION OF PURCHASING POWEREROSION OF PURCHASING POWER
EROSION OF PURCHASING POWEREROSION OF PURCHASING POWER
EROSION OF PURCHASING POWEREROSION OF PURCHASING POWER
EROSION OF PURCHASING POWEREROSION OF PURCHASING POWER
EROSION OF PURCHASING POWEREROSION OF PURCHASING POWER
April
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50 YEARS AGO
Dwight D. Eisenhowerwas the 34th
Presidentof the United States.
61 2 3 4 5
7 8 9 1011 13
2014
21
1516
23
17
24
18
25
19
2627
12
April
22
AprilHous
Car:
Mil
Bread:
Stam
Gas:
Mini
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61 2 3 4 5
7 8 9 1011 13
2014
21
1516
23
17
24
18
25
19
2627
12
April
22
50 YEARS AGO
House:$18,2
00
Car:$2,200.00
Milk:$0.
25/ Qt
Bread:$0.19Stamp:$0.0
4
Average Income:
$5,565.00
Gas:$0.30 /
Gal
Minimum
Wage:$1.00
Source: dmarie.com\timecap
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ONE OF THE WAYS TO POTENTIALLY OBTAIN FINANCIALSECURITY IS BY INVESTING IN QUALITY LONG-TERM
FINANCIAL PRODUCTS EARLY ON
DON’T LET YOUR RETIREMENT BE AHOUSE OF CARDS
TOSEARC
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WE CAN HELP YOU TOLOOK IN THE PROPER
DIRECTION
Y O U
D O N ’ T
H A V E T O SEAR C H O
N Y O
U R
O W N
• You should carefully consider investment objectives, risks, and charges and expenses of
Mutual Funds before investing. This and other information can be found in the fund'sprospectus, which can be obtained from your investment representative or by calling the fund
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THE KEY IS WE
DON’T WANT TODRIFT OFF COURSE
Your Long Happy LifeYour Long Happy Life
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4747
Your Long Happy LifeYour Long Happy Life
This example is provided for illustrative purposes only and isnot intended to reflect an actual investment or predict futurereturns. It is designed to illustrate the mathematical conceptsbeing discussed. An investment in any security will fluctuate
in value and may be worth more or less than the purchase
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Percentage of Americans reaching age 65Percentage of Americans reaching age 65that will require Long Term Care Insurancethat will require Long Term Care Insurance
U.S. Department of Health & Human Services Centers forMedicare & Medicaid Services 2006. This example is providedfor illustrative purposes only and is not intended to reflect an
actual investment or predict future returns. It is designed to
60%40%
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4949
Today's Long Term Care CostsToday's Long Term Care Costs
Average annual cost of a privateAverage annual cost of a privateroom in nursing home $70,912room in nursing home $70,912
Average annual cost of a privateAverage annual cost of a privateroom in an assisted living homeroom in an assisted living home$32,294$32,294
Average hourly rate for homeAverage hourly rate for homehealthcare aid $22.43healthcare aid $22.43
Source: 2006 Genworth Long Term Care Study
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5050
To Protect Your Spouse From the To Protect Your Spouse From the
CostCost
To Protect Your Estate From The Cost To Protect Your Estate From The Cost
Two Reasons To Have LTC
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5151
Three Funding OptionsThree Funding Options
Private InsurancePrivate Insurance – 2 Ways– 2 WaysAt what age & price?At what age & price?
MedicaidMedicaid
Can you qualify & still retain assets?Can you qualify & still retain assets?Self InsureSelf Insure
How long could you afford $70,912How long could you afford $70,912
per year?per year?
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5252
Estate Planning For IRA’sEstate Planning For IRA’s
Legacy IRALegacy IRA
Maximize taxMaximize taxdeferraldeferral
The power of The power of compoundingcompounding
It is suggested that you consult with your tax, legal and/or financial services professional regarding your individual situation
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OUTLOOK FINANCIAL GROUP CAN ASSISTIN GUIDING YOU THROUGH THE SUNSET OF
YOUR RETIREMENT
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5454
WHEN YOUREALIZE THAT YOU CAN’T
REALLY TAKE ITALL WITH YOU,
IT’S TIME FOR AGOOD FINANCIAL
PLAN TO HELPMAXIMIZE YOUR
ESTATE ANDMINIMIZE TAXES
Representative is not an attorney but can help review the documents and recommend a local attorney that specializesRepresentative is not an attorney but can help review the documents and recommend a local attorney that specializes
in Estate planning. Estate planning can involve a complex web of tax rules and regulations. You should consider thein Estate planning. Estate planning can involve a complex web of tax rules and regulations. You should consider the
counsel of an experienced estate planning professional regarding your individual situation before implementing anycounsel of an experienced estate planning professional regarding your individual situation before implementing anystrategy.strategy.
WHY HAVE A LIVING
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WHY HAVE A LIVINGTRUST AND WHAT IT
SOLVES?AVOIDS STATE MANDATED
ATTORNEY’S FEES
AVOIDS ADMINISTRATIVECOSTS
AVOIDS GUARDIANSHIPPROBLEMS
AVOIDS UP TO A 2 1/2
AVOIDS PROBATE
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CELEBRITY
ESTATES
EXAMPLES OF ESTATES
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EXAMPLES OF ESTATESWITH
BAD PLANNING ORNO PLANNING
No Liv ing T r ust or Est at e Insur anc
e
Marilyn Monroe
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GROSS ESTATE $819,176
TOTAL COSTS 448,750NET ESTATE $370,426
*Includes Delinquent Federal Income Taxes **No
Marital Deduction
SETTLEMENT COSTS*Debts ($118,000) $274,366Attorney’s Fee 10,000Executor’s Fee 10,000
CA & NY Inheritance and Estate Tax 13,392**Federal Estate Tax 140,992
TOTAL COSTS $448,750
CASH IN ESTATE = $2,605 55% SHRINKAG
Marilyn Monroe
CASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAG
Source: Public Probate Records (DOD: 8/5/62)
Elvis Presley
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*GROSS ESTATE ($63,660) $10,165,434
TOTAL COSTS 7,374,635NET ESTATE $2,790,799
**No MaritalDeduction
SETTLEMENT COSTSDebts $3,832,552Administration Expense 114,563Attorney’s Fee 18,000Executor’s Fee 70,000CA & TN Inheritance and Estate Tax 553,935**Federal Estate Tax 2,785,585
TOTAL COSTS $7,374,635
CASH IN ESTATE = $1,933,759 73%
SHRINKAGE
y
*Life Insurance Included
CASH IN ESTATE = $1,933,759 73%
SHRINKAGE
CASH IN ESTATE = $1,933,759 73%
SHRINKAGE
CASH IN ESTATE = $1,933,759 73%
SHRINKAGE
CASH IN ESTATE = $1,933,759 73%
SHRINKAGE
CASH IN ESTATE = $1,933,759 73%
SHRINKAGE
CASH IN ESTATE = $1,933,759 73%
SHRINKAGE
CASH IN ESTATE = $1,933,759 73%
SHRINKAGE
CASH IN ESTATE = $1,933,759 73%
SHRINKAGE
Source: Public Probate Records (DOD: 8/16/77)
EXAMPLES OF WHAT
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EXAMPLES OF WHATINTELLIGENT ESTATE
PLANNING CAN DOFOR YOU
Liv ing T r ust & Est at e Insur ance
Donna Reed
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*GROSS ESTATE $800,000
TOTAL COSTS 34,300NET ESTATE $765,700
*Figures approximate. Estate not closed at time of publication
** Marital Deduction (Estimated estate tax without
SETTLEMENT COSTSDebts $ UnknownAttorney’s Fee 17,150Executor’s Fee 17,150
**Federal Estate Tax ($254,423) None TOTAL COSTS $34,300
4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG
Source: Public Probate Records (DOD: 1/14/86)
Ted Knight
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g
GROSS ESTATE $4,020,226
TOTAL COSTS 46,031NET ESTATE $3,974,195
*Full Marital Deduction (Estimated estate tax without
marital deduction.)
SETTLEMENT COSTSDebts $5,000Attorney’s Fee 41,031Executor’s Fee Waived
*Federal Estate Tax ($1,826,607) None($1,800,000 Irrevocable Trust)
TOTAL COSTS $46,031
CASH IN ESTATE = $157,935 1%
SHRINKAGE
CASH IN ESTATE = $157,935 1%
SHRINKAGE
CASH IN ESTATE = $157,935 1%
SHRINKAGE
CASH IN ESTATE = $157,935 1%
SHRINKAGE
CASH IN ESTATE = $157,935 1%
SHRINKAGE
CASH IN ESTATE = $157,935 1%
SHRINKAGE
CASH IN ESTATE = $157,935 1%
SHRINKAGE
CASH IN ESTATE = $157,935 1%
SHRINKAGE
CASH IN ESTATE = $157,935 1%
SHRINKAGE
Source: Public Probate Records (DOD: 8/26/86)
S G
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PLEASE, GRANDPA,MAKE A SOUND LIKEA FROG?
THE GOVERNMENT TAKES UP TO 45% ON
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YOUR FAMILY WILL REMAIN WITHONLY THIS!
ALL ESTATES OVER $2,000,000
Taxpayer Relief Act of 1997 on the Unified Credit Exemption equivalent.
IF YOU HAVE A SUBSTANTIAL IRA ALONGO G S
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YOUR FAMILY WILL REMAIN WITHONLY THIS!
WITH A MODERATELY LARGE ESTATE
OURGOVERNMENT CAN TAKE
UP TO 80%AND LEAVEONLY THE
REST TO THEHEIRS
Taxpayer Relief Act of 1997 on the Unified Credit Exemption equivalent.
IF YOU HAVE AN ESTATE OVER
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IF YOU HAVE AN ESTATE OVER$2,000,000 YOU CERTAINLY SHOULD
COME IN TO HAVE A PRIVATECONSULTATION TO LEARN ABOUT
WAYS TO POTENTIALLY REDUCE YOUR
FEDERAL ESTATE TAXES
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IF YOU’RE LOST IN
THE WOODS WITH YOUR
INVESTMENTS,
IT’S TIME TO SEEK
PROFESSIONAL
GUIDANCE OUTOF THE FOREST.
DOES YOUR
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WHEN WAS THELAST TIME
YOUR
PORTFOLIOAND YOUR TAXES
WERE REVIEWED
DOES YOURPRESENT ADVISOR
KEEP YOU INFORMED?
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THE REST OF
THE STORY!
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We organize your portfolio
We aim to maximize yourreturns
We serve you with a TEAM of dedicated planners &
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We assist you in making
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ILURE TOILURE TO
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HOW LONG DO YOUTHINK YOU WILL RETAIN
ALL WE’VE SPOKENABOUT TODAY ? ? ?
THE LIST OF ITEMS TO
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