Presented by

Presented byPresented by

SMART INVESTMENT ADVISORS LLCSMART INVESTMENT ADVISORS LLC

Tax Shelters

F.L.I.P.P – REVOLUTIONARY SOLUTION

Options for Retirement

AGENDAAGENDA

FINANCIAL COMPONENTS

OPTIONS FOR FINANCIAL FREEDOM

ESTATE PLANNING & ASSET

MANAGEMENT

ESTATE PLANNING & ASSET

MANAGEMENT

ESTATE PLANNING & ASSET MANAGEMENTESTATE PLANNING & ASSET MANAGEMENT

No matter your net worth, it's important to have a basic estate plan in place.

Taking inventory of your assets is a good place to start Your assets include your investments, retirement

savings, insurance policies, and real estate or business interests

Trusts aren't just for the wealthy. Trusts are legal mechanisms that let you put

conditions on how and when your assets will be distributed upon your death. They also allow you to reduce your estate and gift taxes and to distribute assets to your heirs without the cost, delay and publicity of probate court, which administers wills.

ESTATE PLANNING & ASSET MANAGEMENTESTATE PLANNING & ASSET MANAGEMENT

The Federal Estate Tax Exemption The amount you may leave to heirs free of

federal tax -- changes regularly.

There are easy ways to give gifts tax-free and reduce your estate.

TAX SHELTERSTAX SHELTERS

TAX SHELTER - WHAT IS IT?TAX SHELTER - WHAT IS IT?

A legal method of minimizing or decreasing an investor's taxable income and, therefore, his or her tax liability.

Tax shelters can range from investments or investment accounts that provide favorable tax treatment, to activities or transactions that lower taxable income.

TYPES OF TAX SHELTERSTYPES OF TAX SHELTERS

IRAs 401(k) and 403 (b) plans Real Estate Investments Pension Plans Setting Up Your Own Business Municipal Bonds Employer-Sponsored Health Coverage Employer-Sponsored Life Insurance Employer-Funded Education

FINANCIAL COMPONENTSFINANCIAL COMPONENTS

FINANCIAL COMPONENTS TO KNOWFINANCIAL COMPONENTS TO KNOW

Tax Quotient - What is it? Net Income vs. Expenses

Leveraging How to Leverage your Income

Purchase a Home Stock Investments

The Rule of 72

WHY USE A FINANCIAL ADVISORWHY USE A FINANCIAL ADVISOR

Learn how to get a greater return on investments CD’s IRA’s Insurance Plans

FOR EXAMPLE…FOR EXAMPLE…FOR EXAMPLE…FOR EXAMPLE…

SAVINGS PLANSSAVINGS PLANS

Two Types “Put and Take” “Put and Keep”

Banks, Credit Unions, Mutual Funds

Why did 95% Fail? NO SAVINGS PLAN…NO SAVINGS PLAN…

WHAT ARE MY OPTIONS?WHAT ARE MY OPTIONS?

WHAT IS F.L.I.P.P?WHAT IS F.L.I.P.P?

Family Legacy Insurance Pension Plan

Family Legacy Insurance Pension Plan

What is F.L.I.P.P “Pension/Savings Plan on Steroids”

Allows you to save more over a shorter time span

Tax-Free withdrawal for Family Use as Emergency Fund Self Completion Critical Illness Rider

FOR EXAMPLE…FOR EXAMPLE…FOR EXAMPLE…FOR EXAMPLE…

DRAFT 1

$58,000/yr (withdrawal each year between 65 and 90)

BENEFITSBENEFITS

Add family members for coverage $25,000/year for Child = $150/year payment $250,000/year for Spouse = $300/year payment

Affordable Plans Use money from:

401k/401b IRA/Roth IRA CD’s Term Insurance College Savings Plans Annuities Part-Time Employment Home Based Business *(Tax Breaks and Additional Refunds)

BENEFITSBENEFITS

Monthly benefits from the plan after you retire Joint and survivor annuity Factors to Consider

Insurability and cost of insurance Cost of Living adjustments Health and Life Expectancy Gender

BENEFITSBENEFITS

Roll-Over Options (Combo Plan) Roth IRA Single Premium Immediate Annuity

PAYING FOR INSURANCE WITH PRETAX DOLLARS

PAYING FOR INSURANCE WITH PRETAX DOLLARS

USE F.L.I.P.P. AS A…USE F.L.I.P.P. AS A…

Bank Plan/Life Plan Purchase a Car Use Money for Home Down Payments

Tax Credits and Refunds Dumping Plan

Put extra money into F.L.I.P.P. and MAKE YOUR MONEY GROW FASTER!

WHY IS F.L.I.P.P. BETTER THAN MUTUAL PLANS?

WHY IS F.L.I.P.P. BETTER THAN MUTUAL PLANS?

Minimal Fluctuation Index Life Strategy Supplement other Life Insurance Plans with

F.L.I.P.P.

F.L.I.P.P. Remains Constant in Unsteady MarketsF.L.I.P.P. Remains Constant in Unsteady Markets

GENERATE INCOMEGENERATE INCOME

Income

To

Family

Generational Income

FOR EXAMPLE…FOR EXAMPLE…FOR EXAMPLE…FOR EXAMPLE…

GET RID OF DEBTGET RID OF DEBT

Group Insurance Debt Rider to Pay Debt Mortgage Education Business Loans

Liquidate

MINIMIZE INVESTMENTSMINIMIZE INVESTMENTS

Dumping Fund

For Excess Money Nonqualified Pay Premiums with Non-Tax

Dollars Save 35% to 40% in Taxes

THINK ABOUT RETIREMENTTHINK ABOUT RETIREMENT

Replace Group

Insurance

Inflationary Proofing your Trust Securing your Insurance before

your next birthday 10% Bonus

MAXIMIZE TAX DEFERRED SAVINGS OPTIONS

MAXIMIZE TAX DEFERRED SAVINGS OPTIONS

Maximize

Pension from

Employer

Designed to Disinherit your Family Incontestable Clauses Estate Taxes

FOR EXAMPLE…FOR EXAMPLE…FOR EXAMPLE…FOR EXAMPLE…

Maximize

Pension from

Employer

(1) $2,000 0 NO(2) $1,400 $1,400 100%

(3) $1,600 $ 800 50%

Option YOU SPOUSE TRUST

$ __________

$ 600/mo Lost

$ 400/mo Lost

INSURANCE TRUSTS – DURING LIFETIMEINSURANCE TRUSTS – DURING LIFETIME

INSURANCE TRUSTS – UPON DEATHINSURANCE TRUSTS – UPON DEATH

PAY TAXESPAY TAXES

Pay Taxes on

Investment Gain

Tax breaks for Tax-Favored accounts

No tax on interest or dividends Collector or Creditors Denied

FOR EXAMPLE…FOR EXAMPLE…FOR EXAMPLE…FOR EXAMPLE…

Maximize

Pension from

Employer

$300,000 TSA/IRA/Investment$117,000 Taxes to beneficiary (IRS)

$183,000 Net

Solution: Use$117,000 from the Insurance Trust

$300,000 without any loss

OBTAIN TAX FREE PLANSOBTAIN TAX FREE PLANS

• $ 1,000 • Tax Free

Tax Free Retirement

Plan

$ 2,000 TAX FREE = $3,200 Before Taxes

Roth IRA’s Spouse Deductible IRA’s Solo 401k Keogh Plans

Income

To

FamilyConcept

Liquidate

Debts

Dumping

Fund

Maximize

Pension

from

Employer

Tax Free Retirement

Plan

1) Group Insurance Debt

2) Rider to Pay

Debt3) Mortgage

4) Education

5) Business

6) Loans

7) Etc.

For Excess Money

Nonqualified

Or

Pay Premiums

with Non-Tax Dollars and save 35% to 40% in Taxes

Replace Group

Insurance

At Retirement

1)Inflationary Proofing your Trust2) Secure your Insurance before your next birthday (10% Bonus)

Designed to

Disinherit Your

Family

Pay Taxes on

Investment

Gain

$ 2,000 Tax Free

Equals

$ 3,200 BeforeTaxes

•TSA•Lower Mortgage Payments•Consolidate Debts•Bonds•CD’s•Roth IRA

Funding SourceBenefits •Pay to Age 65

•Lifetime Pay•Pay in 9 Years or Less

$500,000$500,000$500,000$500,000

• TSA Investors can realize free insurance• Eliminate Term Insurance Premiums and invest in Mutual Funds

Concepts to Understand

$300,000 TSA/IRA$117,000 Taxes

to

Beneficiary____________________$183,000 Net

SOLUTION USE

$117,000 From the

Insurance

Trust

$300,000 Estate Without Any

Loss

IS F.L.I.P.P. FOR YOU?IS F.L.I.P.P. FOR YOU?

Please contact your representative Please contact your representative for a for a FREE FREE Consultation…..Consultation…..

And start Living Life Financially And start Living Life Financially Free!Free!

Sedrick RobinsonSedrick Robinson

313.617.6071313.617.6071

[email protected] [email protected]