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Got Choices Finalv1
- 1. Got Choices? Discovering The Alternatives Within Your Retirement Plan
- 4. Our Mission: Choice + Tax Savings = Wealth Arm the taxpayer with the full breadth of tax deferred investment choices , Educate them so they may seize the best opportunities, Simplify the administration process To minimize taxes and increase personal wealth
- 5. The “Boomers” are Not Saving Boomers have $35,000 in median total household personal retirement savings. 40% not willing to cut back spending to save for retirement 50% of workers draw out their 401K when they leave their employer
- 6. Those That Are Saving Have Limited Choice The average employer 401K plan has less than eight investment choices CHOICE
- 7. ...And They are Investing without Knowledge “ Less than one-fifth of investors surveyed are truly literate about financial matters specifically related to investing” Investor Protection Trust Survey Conducted by Princeton Research Assoc.
- 8. The Result? Working Retirees 69% of Boomers will rely on working at least part-time for income in retirement.
- 9. The Solution Has been available for 32 Years! Traditional IRA Roth IRA Simple IRA SEP IRA Individual 401(k) $5-6,000 $5-6,000 $10-12.5,000 $46,000 $46,000 No earning limit for contribution, Just deduction AGI <$160,000 + Employer Match up to 3% 25% of Earned income to max All pd by Employer 100% of earned income For 1 st $15,500-20,500 deferral, rest at 25% of earned income Contribution Limits Rules
- 10. Tax Deferred Investing = Higher Returns $200 $600 $400 $1,000 $800 $200 $600 $400 $1,000 $800 $200 $600 $400 $1,000 $800 2% Return 6% Return 10% Return ($ in 000,s) Assumes that the savers start with $100,000 at age 40, add $4,000 per year, and stop contributing at 65 years old IRA Saver non-IRA Saver
- 12. Diversity Lies in Multiple Investments Diversity within the Stock Mkt Self-Directed Diversity
- 13. But My CPA Told Me………
- 14. The Facts: According to the IRS “ IRA law does not prohibit investing in real estate but trustees are not required to offer real estate as an option” http://www.irs.gov/retirement/article/0,,id=111413,00.html#invest
- 19. Our Clients Invest in What They Know Real Estate Notes LLCs Public Stock Private Stock
- 20. Case Study: Undeveloped Land
- 26. Case Study: Mortgage
- 30. Case Study: Real Estate With Debt
- 31. Rental Real Estate: Seeking Cash Flow Property: Duplex Rental Price: $150,000 Rental/Side: $850.00 Loan Amount: $90,000 IRA Downpayment: $60,000 Loan Terms: Non-Recourse 10 year Balloon @7.5%
- 32. Rental Real Estate: Seeking Cash Flow 10 year income return $95,302 * grow at 3% per year $ 7,349 Gross Income $ 13,051 Total Expenses $ 1,500* $ 125 Maintenance $ 1,500* Insurance $ 2,500* Taxes $ 7,551 $ 629 Mortgage Expenses $20,400 * $1,700 Rental Income Yearly Monthly
- 33. Rental Real Estate: Seeking Cash Flow Property Sale: $200,000 Loan Balance: - $78,000 Sale Proceeds: $122,000 - $60,000 $62,000* 10 year Rental Proceeds $95,000* $ 157,000* Pre UBIT Return Unrelated Debt Financed Income (UDFI) is calculated on the Leveraged Portion of the gain, annually for the net rental receipts, as well as for the proceeds on sale. The IRA pays the Tax. *
- 36. Three Steps to Go! 1) Fill out the application 2) Select Method to Fund 3) Start Investing
- 38. Entrust Administration Services, Inc. (407) 367-3472 www.Entrustfl.com Glen Mather, President Jason DeBono, Business Development Paul Hugens, Business Development
Notas do Editor
- 1) Housekeeping – Survey & complete contact information & how many have come to an Entrust presentation? 2) Each give Brief Introductions and get a sense of your level of understanding and interest type – This is a beginner's class How many have IRA or other Retirement Account? How many think they have little or no knowledge of Self-Directed IRA plans? --- How many have checking account/savings account? Do you know why you don’t have an SD IRA 3) Because this is a beginning class I need to go through the basic material quickly and unrelated or too advanced questions I will need to have you put on hold until after the class or come to our Advanced course. If I am going too fast – stop me or ask me to slow down. We have a diverse group. 4) This is a fast pace and I encourage attendee participation – so get ready to interact offer responses. 5) Bio Background Mrtg & RE Broker AZ CA 8 years private investor Tax Liens Discounted Notes, Trust Deeds, Private Placement ( Technologist former live) Commodities, Foreclosures/RE Entrust Group I came to Entrust researching niche markets to target as a RE Broker in a slow market Liked the opportunity as Dir. Of Business Dev. Joined My role is to: Build Educational Curriculum Build network of resources and professional relationships our clients can avail themselves of My first IRA was with a Schwab I traded Indexes lost all the money within month. I am a broker who wanted to get closer to the money – where the money is and learn as much as possible about it! My retirement goal is to have 250K annual income from my retirement savings – that is my lifestyle expectation. I have continually do the numbers to wake up to the reality of what needs to be done and what resources, intelligent2 and industriousness I have to call on and to gauge the reality of my game plan… wake myself up to this fact and act accordingly if I am going to accomplish it.