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[object Object],[object Object],[object Object],[object Object],[object Object],ACCUMULATING WEALTH The tax information in this presentation is designed to be general in nature and for educational purposed only. Guardian, its agents and employees do not give legal or tax advice. $ $
During Your Lifetime You’ll Earn a Fortune! $2,000 $4,000 $6,000 $8,000 $10,000 10 240,000 480,000 720,000 960,000 1,200,000 15 360,000 720,000 1,080,000 1,440,000 1,800,000 20 480,000 960,000 1,440,000 1,920,000 2,400,000 25 600,000 1,200,000 1,800,000 2,400,000 3,000,000 30 720,000 1,440,000 2,160,000 2,880,000 3,600,000 35 840,000 1,680,000 2,520,000 3,360,000 4,200,000 AVERAGE MONTHLY INCOME YEARS  TO RETIRE 2
Financial Success 16 66 18 ,[object Object],[object Object],[object Object],[object Object],Will not survive  to age 65 (income of $30,000 or more)  According to a recent study* by the Social Security Administration, for every 100 people starting their careers, the following situation exists at age 65... *Social Security Office of Research and Statistics, April 2000 Financially  Dependent on: “ Financially  Independent ” 3
The Trouble with  Most Savings Plans ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],INCOME ,[object Object],[object Object],[object Object],4
A More Practical and Productive Plan INCOME ,[object Object],[object Object],[object Object],Create Wealth by  PAYING YOURSELF  FIRST! 5 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Human Life Value Curve Your Human Life Value is your future financial potential over your lifetime. It is at its peak when you are at your optimal education level for your career.  8 Life  Human Value
Financial Exponential Curve You only have one  Financial Exponential Curve in your lifetime! 9 Accumulation Growth  Take-off!
Education  Years Earning Years Exponential  Years Financial Life Curves 10 Life  Human Value  Exponential  Curve  Accumulation Growth
Education  Years Earning Years (No Exponential  Years)  Delayed Exponential Curve 11 Life  Human Value  Accumulation Growth
The Advantage of Tax-Deferral* $83,572 $41,274 $15,592 10 20 30 40 YEARS $100 per month deposited at 5.00% before tax  Compound interest for 40 years equals  $153,237 * Assumes a 25% tax bracket $898 $4,319 $11,893 $26,309 TAX DUE 15 Figures quoted are for illustrative purposes only and are not indicative of a specific result that may be obtained on any particular product. They do not include consideration of the time value of money, inflation, and fluctuation in principal.
The Goal ,[object Object],[object Object],16
The Obstacles ,[object Object],[object Object],[object Object],17
The Obstacles ,[object Object],[object Object],[object Object],18
The Obstacles * According to the 1985 Society of Actuaries 19   Age:   25 30 35 40 45 50 55 Probability : 44% 42% 31% 39% 36% 33% 27% The odds* of a person having at least one long term disability that lasts three months or longer before that person reaches age 65: The table above* shows how many people have recovered, died  or remained disabled for five years after a disability’s onset.  Age @ onset of Disability :   25 35   45   55 Recovered :   44.1%  34.0%  21.5%  11.8% Died :     9.7% 12.3%   19.9%  28.5% Still Disabled : 46.2% 53.7%  58.6% 59.7%
Total Disability ,[object Object],[object Object],[object Object],Nothing for...  ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Nothing for...  Nothing for...  ,[object Object],[object Object],20 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],INCOME
The Obstacles ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],21
The Obstacles ,[object Object],[object Object],[object Object],22
The Solution ,[object Object],[object Object],[object Object],[object Object],23
[object Object],[object Object],[object Object],Summary 26 The values indicated are based on the 2003 dividend scale and assume that the currently illustrated non-guaranteed elements, including dividends, will continue at the current scale for the life of the policy. This is not likely to occur, and actual results will be more or less favorable than shown. This presentation is not valid without complete Guardian illustrations (Policy ID: 16423) containing important statements regarding guaranteed and non-guaranteed values.

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Ignite Columbus Presentation

  • 1.
  • 2. During Your Lifetime You’ll Earn a Fortune! $2,000 $4,000 $6,000 $8,000 $10,000 10 240,000 480,000 720,000 960,000 1,200,000 15 360,000 720,000 1,080,000 1,440,000 1,800,000 20 480,000 960,000 1,440,000 1,920,000 2,400,000 25 600,000 1,200,000 1,800,000 2,400,000 3,000,000 30 720,000 1,440,000 2,160,000 2,880,000 3,600,000 35 840,000 1,680,000 2,520,000 3,360,000 4,200,000 AVERAGE MONTHLY INCOME YEARS TO RETIRE 2
  • 3.
  • 4.
  • 5.
  • 6. Human Life Value Curve Your Human Life Value is your future financial potential over your lifetime. It is at its peak when you are at your optimal education level for your career. 8 Life Human Value
  • 7. Financial Exponential Curve You only have one Financial Exponential Curve in your lifetime! 9 Accumulation Growth Take-off!
  • 8. Education Years Earning Years Exponential Years Financial Life Curves 10 Life Human Value Exponential Curve Accumulation Growth
  • 9. Education Years Earning Years (No Exponential Years) Delayed Exponential Curve 11 Life Human Value Accumulation Growth
  • 10. The Advantage of Tax-Deferral* $83,572 $41,274 $15,592 10 20 30 40 YEARS $100 per month deposited at 5.00% before tax Compound interest for 40 years equals $153,237 * Assumes a 25% tax bracket $898 $4,319 $11,893 $26,309 TAX DUE 15 Figures quoted are for illustrative purposes only and are not indicative of a specific result that may be obtained on any particular product. They do not include consideration of the time value of money, inflation, and fluctuation in principal.
  • 11.
  • 12.
  • 13.
  • 14. The Obstacles * According to the 1985 Society of Actuaries 19 Age: 25 30 35 40 45 50 55 Probability : 44% 42% 31% 39% 36% 33% 27% The odds* of a person having at least one long term disability that lasts three months or longer before that person reaches age 65: The table above* shows how many people have recovered, died or remained disabled for five years after a disability’s onset. Age @ onset of Disability : 25 35 45 55 Recovered : 44.1% 34.0% 21.5% 11.8% Died : 9.7% 12.3% 19.9% 28.5% Still Disabled : 46.2% 53.7% 58.6% 59.7%
  • 15.
  • 16.
  • 17.
  • 18.
  • 19.

Notas do Editor

  1. When we spoke previously, (prospects name), I mentioned some concepts that have been of benefit to people like yourself. These ideas have to do with accumulating wealth and becoming financially independent. How do you feel about becoming financially independent? (wait for a response from the prospect). Would being financially independent be a priority for you?   I found that using a few visuals I can present a clearer picture of these concepts and ideas.