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Will Duffy
Will Duffy is a Chartered Financial Consultant in
Denver, Colorado. He has published several books on
financial management. He attended The Ohio State
University and graduated from American College of
Financial Services.
Danny Wexler
Danny Wexler, JD* teams with Jon Billinger, CLU, to form Billinger Wexler
Financial. Our mission is helping our clients accumulate wealth while
providing distribution solutions for retirement. *Licensed not practicing.
Danny Wexler is a Registered Representative offering securities and advisory
services through Lincoln Financial Securities Corporation, Member SIPC.
Securities offered to residents of CA, NC & OR. Advisory services offered to
residents in CA. Branch Office 333 Bayside Drive, Newport Beach, CA
92660. Lincoln Financial Securities and Billinger Wexler Financial are not
affiliated. LFS and its representatives do not offer tax advice
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
Will Duffy, ChFC will@acceleratedwealth .com
Danniel J. Wexler, [email protected]
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
A s c e n tAc c u mu l a t io n
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
A s c e n tAc c u mu l a t io n
Retirement
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
A s c e n tAc c u mu l a t io n
Retirement
D e s c e n tD i s t r i b u t i o n
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
A s c e n tAc c u mu l a t io n
Retirement
D e s c e n tD i s t r i b u t i o n
Stocks
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
A s c e n tAc c u mu l a t io n
Retirement
D e s c e n tD i s t r i b u t i o n
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
Stocks Bonds
A s c e n tAc c u mu l a t io n
Retirement
D e s c e n tD i s t r i b u t i o n
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
Stocks Bonds
Annuities
A s c e n tAc c u mu l a t io n
Retirement
D e s c e n tD i s t r i b u t i o n
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
Stocks Bonds
AnnuitiesReal Estate
A s c e n tAc c u mu l a t io n
Retirement
D e s c e n tD i s t r i b u t i o n
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
Stocks Bonds
AnnuitiesReal Estate 401(k)/ IRAs
Ordinary Income
Tax
CapitalGainsTax
Tax Free Tax Exempt
Ordinary Income
Tax
$80,000
Ordinary Income
Tax
$80,000
Ordinary Income
Tax
<$32,000>
$48,000
85% of Social Security
CapitalGainsTax
$80,000
CapitalGainsTax
$80,000
CapitalGainsTax
<$8,000>
$80,000
CapitalGainsTax
<$8,000>
$72,000
50% of SocialSecurity
$80,000
CapitalGainsTax
<$8,000>
$72,000
60 m o r e s p e n d a b l e i n c o m e
50% of SocialSecurity
Tax Free
$80,000
Tax Free
$80,000
Tax Free
<$0>
$80,000
85% of SocialSecurity
$80,000
Tax Free
<$0>
$80,000
<$0>
$80,000
Tax Free
Provisional Income High Medicare B Cost Low Yield
85% of SocialSecurity
Tax Exempt
$80,000
Tax Exempt
$80,000
Tax Exempt
<$0>
$80,000
Tax Exempt
<$0>
$80,000
0% of SocialSecurity
$80,000
Tax Exempt
<$0>
$80,000
Low Medicare B Cost100 Social Security BanksPolit icians Fortune 500
0% of SocialSecurity
$80,000 $80,000$80,000$80,000
Ordinary Income
Tax
<$32,000>
$48,000
85% of Social Security
CapitalGainsTax
<$8,000>
$72,000
50% of Social Security
<$0>
$80,000
85% of Social Security
Tax Free
Tax Exempt
<$0>
$80,000
0% of Social Security
DISTRIBUTION-RETURN OF YOUR MONEY
Annuities Real Estate
OFLI
$1 million
Stocks IRA
401k
$1 million $1 million $1 million
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Stocks IRA
401k
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Stocks IRA
401k
3% safe withdrawal rate
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Stocks IRA
401k
3% safe withdrawal rate
$30,00030% tax rate
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Stocks IRA
401k
3% safe withdrawal rate
$30,00030% tax rate
$21,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Stocks IRA
401k
3% safe withdrawal rate
$30,00030% tax rate
85 Years old
$21,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Stocks IRA
401k
3% safe withdrawal rate
$30,00030% tax rate
85 Years old 92 Years old
$21,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Annuities
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Annuities
5% distribution rate
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Annuities
5% distribution rate
$50,00030% tax rate
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Annuities
5% distribution rate
$50,00030% tax rate
$35,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Annuities
5% distribution rate
$50,00030% tax rate
85 Years old
$35,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Annuities
5% safe withdrawal rate
$50,00030% tax rate
85 Years old 92 Years old
$35,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Real Estate
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Real Estate
5% net gross income rate
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Real Estate
5% net gross income rate
$50,00030% tax rate
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
Real Estate
5% net gross income rate
$50,00030% tax rate
$35,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
5% net gross income rate
$50,00030% tax rate
Real Estate
85 Years old
1M+
$35,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
5% safe withdrawal rate
$50,00030% tax rate
92 Years oldReal
Estate
85 Years old
1M+ 1M+
$35,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
OFLI
DISTRIBUTION-RETURN OF YOUR MONEY
7% distribution rate
$1 million
OFLI
DISTRIBUTION-RETURN OF YOUR MONEY
7% distribution rate
$70,0000% tax rate
$1 million
OFLI
DISTRIBUTION-RETURN OF YOUR MONEY
7% distribution rate
$70,0000% tax rate
$70,000
$1 million
OFLI
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
7% distribution rate
$70,0000% tax rate
OFLI85 Years old
1M
$70,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million
7% safe withdrawal rate
$70,0000% tax rate
92 Years oldOFLI
85 Years old
1M 1M
$70,000
DISTRIBUTION-RETURN OF YOUR MONEY
$1 million$1 million$1 million$1 million
Stocks IRA
401k
3% safe withdrawal rate
$30,00030% tax rate
Annuities
5% distribution rate
$50,00030% tax rate
Real Estate
OFLI
7% distribution rate
$70,0000% tax rate
$70,000$21,000 $35,000$35,000
5% net gross income rate
$50,00030% tax rate
Stocks 401K IRA
Stocks 401K IRA
$100,000 Net
Stocks 401K IRA
$133,000 Gross$100,000 Net
Stocks 401K IRA
3% safe withdrawal rate
$133,000 Gross$100,000 Net
$4.4 Million
Stocks 401K IRA
3% safe withdrawal rate
$133,000 Gross$100,000 Net
Real Estate
Real Estate
$100,000 Net
Real Estate
$133,000 Gross$100,000 Net
5% net gross income
Real Estate
$133,000 Gross$100,000 Net
5% net gross income
$2.7 Million
Real Estate
$133,000 Gross$100,000 Net
OFLI
OFLI
$100,000 Net
OFLI
$100,000 Gross$100,000 Net
OFLI
7% distribution rate
$100,000 Gross$100,000 Net
7% distribution rate
$1.4 Million
OFLI
$100,000 Gross$100,000 Net
$4.4 Million
Stocks 401K IRA
3% safe withdrawal rate
$133,000 Gross
5% net gross income
$2.7 Million
Real Estate
$133,000 Gross
OFLI
$1.4 Million
7% distribution rate
$100,000 Gross$100,000 Net $100,000 Net$100,000 Net
THE BIG PICTURE
Tax Exempt BucketReal Estate
Stocks Bonds
Backfill
Year 1 $1 million Year 1 $100,000
THE BIG PICTURE
Year 2 $100,000
Tax Exempt BucketReal Estate
Stocks Bonds
Year 2 $900,000
Backfill
Year 1 $1 million Year 1 $100,000
THE BIG PICTURE
Year 2 $100,000
Year 3-9
Tax Exempt BucketReal Estate
Stocks Bonds
Year 2 $900,000
Year 3-9 Backfill
Year 1 $1 million Year 1 $100,000
Assets growing at 8% compounded
THE BIG PICTURE
Year 2 $100,000
Year 3-10
Year 10$800,000 +
Tax Exempt Bucket
Year 2 $900,000
Assets growing at 8% compounded
Year 3-10
Real Estate Stocks Bonds
Year 10$1.85 million
Backfill
Year 1 $1 million Year 1 $100,000
INCREASING NET CASH FLOW AFTER THE SALE OF ABUSINESS
Will Duffy, ChFC will@acceleratedwealth .com
Danniel J. Wexler, [email protected]
The Ohio National Life Insurance CompanyOne Financial WayCincinnati, Ohio 45242
Prepared by Ohio National's AuthorizedRepresentativeWill Duffy, ChFC10463 Park Meadows DriveSuite 211720-600-7070
Institute SCMale, Age 55, Super PreferredTotal Initial Death Benefit: $1,708,013Dividend Option: Purchase Paid-up AdditionsFirst Annual Policy Premium: $100,000.00
TABULAR DETAIL
The illustration assumes premiums are paid at the beginning of each year. Values and benefitsare shown as of the end of the policy year.Non-guaranteed results may be more or less favorable than illustrated.
Prestige Max IIParticipatingWhole Life
GUARANTEED NON-GUARANTEED
MAXIMUM MAXIMUMPOLICY PREMIUM CASH DEATH PAID-UP POLICY DIV PREMIUM CASH DEATH PAID-UP
AGE YR PREMIUM OUTLAY VALUE BENEFIT INSURANCE PREMIUM DIVIDEND OPT OUTLAY VALUE BENEFIT INSURANCE
56 1 100,000 100,000 0 1,708,013 0 100,000 6,866 P U A 100,000 6,866 1,724,576 16,56457 2 100,000 100,000 73,650 1,708,013 172,288 100,000 9,701 P U A 100,000 90,431 1,747,270 211,54658 3 100,000 0 44,204 1,586,062 100,321 100,000 10,178 P U A 0 89,029 1,665,766 202,04959 4 100,000 7,006 0 1,445,884 0 100,000 10,422 P U A 0* 86,844 1,579,303 191,26660 5 100,000 65,530 0 1,346,307 0 100,000 10,688 P U A 0* 83,824 1,487,700 179,211
61 6 100,000 80,401 0 1,243,006 0 100,000 10,977 P U A 0* 79,886 1,390,771 165,86062 7 100,000 95,815 0 1,135,829 0 100,000 11,291 P U A 0* 74,967 1,288,317 151,22863 8 100,000 12,742 P U A 0 70,098 1,182,312 137,48264 9 100,000 17,095 P U A 0 68,287 1,077,910 130,30465 10 100,000 26,945 P U A 941,441 1,060,132 1,969,407 1,969,407
66 11 0 16,069 P U A -60,000 1,041,883 1,935,986 1,885,38667 12 0 17,269 P U A -60,000 1,022,827 1,901,338 1,803,89668 13 0 18,442 P U A -60,000 1,002,952 1,865,233 1,724,62069 14 0 19,680 P U A -60,000 982,240 1,827,598 1,647,41970 15 0 20,988 P U A -60,000 960,754 1,788,358 1,572,198
71 16 0 22,374 P U A -60,000 938,311 1,747,443 1,498,78072 17 0 23,893 P U A -60,000 914,857 1,704,867 1,427,07973 18 0 25,527 P U A -60,000 889,963 1,660,611 1,356,75574 19 0 27,293 P U A -60,000 863,724 1,614,665 1,287,73875 20 0 29,226 P U A -60,000 836,227 1,567,056 1,220,004
76 21 0 31,331 P U A -60,000 807,492 1,517,803 1,153,49577 22 0 33,562 P U A -60,000 777,536 1,466,845 1,088,11778 23 0 35,843 P U A -60,000 746,052 1,414,012 1,023,49079 24 0 38,301 P U A -60,000 712,792 1,359,303 959,33180 25 0 40,840 P U A -60,000 677,439 1,302,589 895,231
81 26 0 43,446 P U A -60,000 639,792 1,243,716 830,86782 27 0 46,125 P U A -60,000 599,484 1,182,536 765,77283 28 0 48,875 P U A -60,000 556,604 1,118,890 699,89384 29 0 51,682 P U A -60,000 510,983 1,052,593 632,96185 30 0 54,599 P U A -60,000 462,437 983,521 564,713
86 31 0 57,645 P U A -60,000 410,588 911,573 494,69787 32 0 60,824 P U A -60,000 355,176 836,644 422,56788 33 0 64,244 P U A -60,000 296,028 758,752 348,07689 34 0 67,924 P U A -60,000 233,093 677,926 271,09390 35 0 69,570 P U A -60,000 164,107 591,535 188,927
91 36 0 71,882 P U A 0 152,042 562,586 173,38392 37 0 73,962 P U A 0 137,548 530,614 155,41493 38 0 75,590 P U A 0 120,477 494,891 134,89294 39 0 76,733 P U A 0 100,815 454,646 111,84295 40 0 77,198 P U A 0 78,750 408,872 86,526
Page 6 of 7Program Version Date 02/01/2018
This illustration is not a life insurance policy or contract.© 2018 Ohio National Financial Services, Inc. 06/18/2018 10:11 AM
* Non-guaranteed values are used to pay a portion or all of the policy premium in the year indicated. The policy is not paid-up at this point. Ifnon-guaranteed elements change, you may have to pay more premiums than illustrated, resume premium payments, or continue premium paymentslonger than shown.
The Ohio National Life Insurance CompanyOne Financial WayCincinnati, Ohio 45242
Prepared by Ohio National's AuthorizedRepresentativeWill Duffy, ChFC10463 Park Meadows DriveSuite 211720-600-7070
Institute SCMale, Age 50, Super PreferredTotal Initial Death Benefit: $1,220,640Dividend Option: Purchase Paid-up AdditionsFirst Annual Policy Premium: $60,000.04
TABULAR DETAIL
The illustration assumes premiums are paid at the beginning of each year. Values and benefitsare shown as of the end of the policy year.Non-guaranteed results may be more or less favorable than illustrated.
Prestige Max IIParticipatingWhole Life
GUARANTEED NON-GUARANTEED
MAXIMUM MAXIMUMPOLICY PREMIUM CASH DEATH PAID-UP POLICY DIV PREMIUM CASH DEATH PAID-UP
AGE YR PREMIUM OUTLAY VALUE BENEFIT INSURANCE PREMIUM DIVIDEND OPT OUTLAY VALUE BENEFIT INSURANCE
51 1 60,000 60,000 0 1,220,640 0 60,000 13,781 P U A 60,000 13,781 1,259,670 39,03152 2 60,000 60,000 24,852 1,220,640 68,115 60,000 14,389 P U A 60,000 53,482 1,299,108 146,58353 3 60,000 60,000 63,180 1,220,640 167,628 60,000 15,353 P U A 60,000 108,109 1,339,842 286,83054 4 60,000 0 29,571 1,147,469 75,970 60,000 15,680 P U A 0 102,058 1,317,364 262,19855 5 60,000 15,522 0 1,077,166 0 60,000 16,047 P U A 0* 95,190 1,291,651 236,910
56 6 60,000 44,007 0 1,026,168 0 60,000 16,663 P U A 0* 96,721 1,263,175 233,32157 7 60,000 51,815 0 973,497 0 60,000 17,572 P U A 0* 98,232 1,232,449 229,79358 8 60,000 59,855 0 919,069 0 60,000 18,846 P U A 0* 100,059 1,200,081 227,08259 9 60,000 20,567 P U A 0* 102,837 1,166,781 226,49060 10 60,000 22,788 P U A 0* 107,038 1,133,285 228,842
61 11 60,000 25,647 P U A 0* 97,549 1,100,535 202,53062 12 60,000 29,169 P U A 0* 89,916 1,069,422 181,38563 13 60,000 33,446 P U A 0* 84,755 1,040,923 166,23064 14 60,000 38,549 P U A 0* 82,881 1,016,054 158,15265 15 60,000 44,538 P U A 933,342 1,061,600 1,972,134 1,972,134
66 16 0 18,021 P U A -60,000 1,045,342 1,942,245 1,891,64667 17 0 19,305 P U A -60,000 1,028,411 1,911,188 1,813,74568 18 0 20,574 P U A -60,000 1,010,812 1,878,748 1,738,13569 19 0 21,914 P U A -60,000 992,532 1,844,860 1,664,68170 20 0 23,328 P U A -60,000 973,643 1,809,449 1,593,290
71 21 0 24,831 P U A -60,000 953,972 1,772,459 1,523,79672 22 0 26,462 P U A -60,000 933,464 1,733,892 1,456,10373 23 0 28,226 P U A -60,000 911,700 1,693,750 1,389,89374 24 0 30,123 P U A -60,000 888,781 1,652,023 1,325,09575 25 0 32,196 P U A -60,000 864,803 1,608,746 1,261,694
76 26 0 34,444 P U A -60,000 839,790 1,563,940 1,199,63277 27 0 36,831 P U A -60,000 813,773 1,517,557 1,138,82978 28 0 39,293 P U A -60,000 786,467 1,469,456 1,078,93479 29 0 41,920 P U A -60,000 757,606 1,419,618 1,019,64680 30 0 44,632 P U A -60,000 726,872 1,367,915 960,557
81 31 0 47,435 P U A -60,000 694,084 1,314,222 901,37382 32 0 50,320 P U A -60,000 658,875 1,258,400 841,63783 33 0 53,269 P U A -60,000 621,331 1,200,279 781,28384 34 0 56,288 P U A -60,000 581,294 1,139,689 720,05785 35 0 59,417 P U A -60,000 538,577 1,076,500 657,692
86 36 0 62,696 P U A -60,000 492,810 1,010,637 593,76287 37 0 66,113 P U A -60,000 443,731 942,001 527,92588 38 0 69,787 P U A -60,000 391,175 870,628 459,95289 39 0 73,738 P U A -60,000 335,101 796,563 389,73090 40 0 75,576 P U A -60,000 273,165 717,086 314,478
91 41 0 78,107 P U A 0 268,365 695,235 306,03192 42 0 80,389 P U A 0 261,374 670,524 295,32493 43 0 82,209 P U A 0 252,055 642,212 282,21294 44 0 83,514 P U A 0 240,392 609,489 266,68595 45 0 84,124 P U A 0 226,604 571,324 248,978
Page 6 of 8Program Version Date 02/01/2018
This illustration is not a life insurance policy or contract.© 2018 Ohio National Financial Services, Inc. 06/18/2018 10:15 AM
* Non-guaranteed values are used to pay a portion or all of the policy premium in the year indicated. The policy is not paid-up at this point. Ifnon-guaranteed elements change, you may have to pay more premiums than illustrated, resume premium payments, or continue premium paymentslonger than shown.