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Jaimie M. BlackmanFounder of MoneyCapsules®

14 E 60th Street Suite 402 New York, NY, 10022212-829-0265

moneycapsules.com

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About Jaimie BlackmanBecause of the complexity of the financial landscape, I believe that investors continue to make poor money decisions causing short term losses and destruction of multigenerational wealth for three reasons:

1- Poor communication between most trusted advisers and clients

2- Financial resources are not organized correctly for clients to easily comprehend the full picture

3-Inability to “see” problems until it’s too late

Jaimie Blackman, MS, CWS ®Founder of MoneyCapsules®

Jaimie Blackman’s twenty five years of work experience span the fields of business consulting, wealth management, and financial education. He holds an MS in Education, A Certificate in Financial Planning, and is a Certified Wealth Strategist® practitioner.

What is MoneyCapsules®? Most people don’t know what they want until you show it to them. Steve Jobs

MoneyCapsules® transforms complex financial jargon into 7 simple visuals and words, helping to identify deficiencies in financial health promoting better money decisions.

Why Use MoneyCapsules®?If I asked people to tell me what they wanted they would have asked for a faster horse.

Henry Ford

The complexity of the financial landscape makes it nearly impossible for clients to ask the right questions to trusted advisers and by default abdicate critical decisions to professionals. Financial decisions based on incomplete information are potentially catastrophic and may include:

• Outliving retirement income• Inability to pay daily expenses• A loss in standard of living• Erosion of wealth transfer

How does MoneyCapsules® work?Our 3 step unique process is taught during a personalized

meeting where we help you: • Organize- your financial resources & priorities

• Understand- the balances & imbalances in your financial life

• Decide- by applying your perspective to our best practices

CashStocks &

BondsAlternatives Insurance

Balance/ImbalanceAdviserClient

Priority

1 2 3 4 5 6 7

Cash- Flow & Cash - Reserve in the right balance are essential for financial health.

Cash Reserve $_________

Cash In

Salary $__________

Guaranteed Income $__________

Portfolio Income $ __________

Other Income $ __________

Total Cash In $__________

Cash Out $_________All expenses i.e. Living, Taxes, Liabilities

Total Cash In $__________

Total Cash Out - $__________

Cash Flow +/- $__________

Balance/ImbalanceAdviserClient

Priority

CashStocks &

BondsAlternatives Insurance

If investments are not growing fast enough, the thief in the night called inflation , eventually robs you of purchasing power.

1 2 3 4 5 6 7

Stocks $ ___________

Bonds $___________

Cash $___________

Alternatives $___________

Total Investments $___________

Asset Allocation

Stocks ___ % Bonds ___ % Cash % A.I. ___ %

Qualified

IRA $_________

Roth $_________

SEP $_________

401 (K) $________

DBP $__________

Total Qualified $_________

Non-Qualified Allocation _____%

Qualified Allocation ______%

Non-Qualified

Account #1$_______

Account # 2 $________

Account # 3 $________

Account # 4 $_________

Account # 5 $_________

Non-Qualified

Account #6 $_______

Account # 7 $________

Account # 8 $________

Account # 9 $_________

Account # 10 $_________

Balance/Imbalance

AdviserClient

Priority

CashStocks &

BondsAlternatives Insurance

Centenarians are the fastest growing segment of the population . Outliving money is a real concern. A strategy for maximizing income is essential.

1 2 3 4 5 6 7

Guaranteed Life Time IncomeSocial Security $______Pension $______Annuity $______Other $______

Total Guaranteed Life-time Income $ ______

IncomePortfolio $______Bonds $______Alternatives $______Other $______

Total Portfolio Income $______ Total expenses $______

Guaranteed Life-Time Income $______

Percentage of G.L.I. covering expenses %______

Balance/Imbalance

AdviserClientPriority

CashStocks &

BondsAlternatives Insurance

In a world filled with uncertainty, managing the unexpected plays a critical role in your financial health.

1 2 3 4 5 6 7

Health & LifeLife Insurance: Insured _______ Death Benefit _$_____ Type ______ Ownership ____ Beneficiary__

Long Term Care: Benefit $_______ Years____ Inflation__

Disability: Benefit $______ Own Occupation __

Property & CasualtyHome _____ Auto ____Umbrella ________ Business____

Health InsurancePrivate ________ Medicare _______Other _______

Will & DirectivesSimple Will ____

Durable POA _____

Health Care Proxy ____

Living Will ____

Titling Assets/Tax EfficiencySole ownership ____JTWROS ____TOD ____Tenants in common ____Tax Efficiency ______

Balance/ImbalanceAdviserClient

Priority

CashStocks &

BondsAlternatives Insurance

1 2 3 4 5 6 7

Give me a lever long enough, and I can move the earth.. Archimedes Time is the lever when it comes to investing.

Short–Term0-5yrs

Event:Date:$_____

Event:Date:$_____

Event:Date:$_____

Inflation Adjusted Income Requirements @3% 4% 5%

Long-Term10-15+

Mid–Term 5-10yrs

10 years

Important Events

20 years 30 years

Balance/Imbalance

AdviserClientPriority

CashStocks &

BondsAlternatives Insurance

1 2 3 4 5 6 7

We make a living by what we get. We make a life by what we give. Winston Churchill Tax efficiency will maximize our gifts

Life-Time GivingAnnual gifting ___Control ___Gifting cash ___Gifting appreciated assets ___

Legacy givingGift tax___Control____Estate Tax ____GST____To spouse____To grandchildren ___Tuition payments___

Charitable GiftingCash____Private Foundation ___Donor Advised Fund __Charitable Remainder Trust ____Family Limited Partnership_____

Trusts Minor’s Trust ____ Crummey Trust ____ Irrevocable Trust ____Living Trust ____QRT ____ GRATS ____ ILIT _____Other _________

Stocks & Bonds

Balance/ImbalanceClient

Priority

CashStocks &

BondsAlternatives Insurance

Know Thyself, Socrates

There is no greater factor for creating multigenerational wealth and happiness than our own behavior.

Adviser

1 2 3 4 5 6 7

Life Planning*

1- Imagine that you have enough money to take care of your needs, now and in the future. How would you live your life? Would you change anything?

2-Imagine that your doctor says you have only five to 10 years to live. You won't feel sick, but you'll never know when death will come. What will you do? Will you change your life? How?

3- Now imagine that your doctor says you have only one day left to live. Ask yourself: What did I miss? What did I not get to be or do? 

*George Kinder Institute

Family Messages• Early memories regarding money• Lessons you learned. • What lessons would you like to unlearn?• Account value vs. personal value

Behavioral Finance• Market bubbles and market crashes can be

explained by irrational behavior patterns driven by greed and loss aversion.

• If I lose $100 I need to gain $200 to neutralize the loss.

• If the market declines 35% what performance would I accept in my portfolio? What action would I take?

If the market advances 35% what performance would I expect in my portfolio? What action would I take?

DecideBy applying your perspective to best practices• ___________________________________

• ___________________________________

• ___________________________________

Organize

Top 3 Priorities

• ____________________ Why?_________________________

• _____________________ Why?________________________

• _____________________ Why?_______________________

UnderstandBalances & Imbalances

CashCash

Growth

Income

RiskRisk

Time

GivingGiving

Integration

Next Step

Our next meeting will take place

Date: _________________

Time: _________________

Key points to discuss

• ___________________________________________________________________________

• _________________________________________________________________________

• _________________________________