retirement trax™

RetirementTrax™

Retirement Depot™

HistoryWhat Investors Want

Immediate GratificationSleep at NightKeep up with the Jones’

INTRODUCTION

OLD PATTERN RESURFACING

1929

(50 years)

70,71,72 What took 50 yea rs00,01,02 has now occurred

08,09 three ti mes in 38 yrs.

$50k SPIAYear 1 $6,500Year 2 $6,500Year 3 $6,500Year 4 $6,500Year 5 $6,500Year 6 $6,500Year 7 $6,500Year 8 $6,500Year 9 $6,500Year 10$6,500Tota l $65,000

$50k Variable AnnuityStart yr. 1 $50,000 Star t yr. 2 $53,600 Star t yr. 3 $57,459 Star t yr. 4 $61,596 Star t yr. 5 $66,031 Star t yr. 6 $70,785 Star t yr. 7 $75,882 Star t yr. 8 $81,345 Star t yr. 9 $87,202 Star t yr. 10 $93,481End Value $100,211

Repeat Process

AN OLD IDEA

Loss of ControlClock on IncomeMaybe VA won’t Double

OLD IDEA PROBLEMS

Fixed Indexed Annuity Avg . r e t u r n 5 % $ 1 0 0 , 0 0 0 d e p o s i t A n n . w / d ’s ( - 1 0 % ) + 1 0 % b o n u s A n n . N e t % ( - 5 % ) $ 1 1 0 , 0 0 0

Yr. 1 ( b e fo r e w / d ) $ 1 1 5 , 5 0 0 Yr. 2 ( b e fo r e w / d ) $ 1 0 9 , 1 4 7 Yr. 3 ( b e fo r e w / d ) $ 1 0 3 , 1 4 5 Yr. 4 ( b e fo r e w / d ) $ 9 7 , 4 7 2 Yr. 5 ( b e fo r e w / d ) $ 9 2 , 1 1 2 Yr. 6 ( b e fo r e w / d ) $ 8 7 , 0 4 6 Yr. 7 ( b e fo r e w / d ) $ 8 2 , 2 5 9 Yr. 8 ( b e fo r e w / d ) $ 7 7 , 7 3 5 Yr. 9 ( b e fo r e w / d ) $ 7 3 , 4 6 1 Yr. 1 0 ( b e fo r e w / d ) $ 6 9 , 4 2 0

N e a r l y 7 0 % o f o r i g i n a l d e p o s i t s ti l l g u a r a n t e e d * a ft e r t e n y e a r s .

* G u a r a n t e e s b a s e d o n c l a i m s p a y i n g a b i l i t y o f I n s u r a n c e c o m p a n y

Managed Account A v e ra g e Re t u r n n e t o f fe e s 8 %

E n d o f Ye a r 1 $ 1 1 , 5 5 0 E n d o f Ye a r 2 $ 1 0 , 9 1 4 E n d o f Ye a r 3 $ 1 0 , 3 1 4 E n d o f Ye a r 4 $ 9 , 7 4 7 E n d o f Ye a r 5 $ 9 , 2 1 1 E n d o f Ye a r 6 $ 8 , 7 0 4 E n d o f Ye a r 7 $ 8 , 2 2 5 E n d o f Ye a r 8 $ 7 , 7 7 3 E n d o f Ye a r 9 $ 7 , 3 4 6 E n d o f Ye a r 1 0 $ 6 , 9 4 2

$ 1 4 7 , 0 0 1 $ 6 9 , 4 2 0 + $ 1 4 7 , 0 0 1 = $ 2 1 6 , 4 2 1 - $ 1 0 0 , 0 0 0 G a i n o f : $ 1 1 6 , 4 2 1

11.6% Annual Return

SIMPLE PROCESS

THE REAL WORLD

Fixed Index Annuity 2000 – 0% (w/out bonus) 2001 – 0% 2002 – 0% 2003 – 7.00% 2004 – 7.00% 2005 – 3.00% 2006 – 7.00% 2007 – 3.53% 2008 – 0% 2009 – 7.00%

3.45% = Avg. Ann.

F I A p e r fo rman c e n o t i n c l u s i ve o f S &P 500 d i v i den d s

S&P 500

2000 – ( -9.21%) 2001 – (-12.07%) 2002 – (-22.27%) 2003 – 27.82% 2004 – 10.23% 2005 – 4.34% 2006 – 15.02% 2007 – 4.94% 2008 – (-36.87%) 2009 – 26.04% Avg. Ann.= 0.79%

S&P 500 pe r fo rm ance i s i n c l u s i ve o f d i v i dends

WORLD CLASS MANAGERS

WHAT YOU MIGHT EXPECT

Reduce FeesMaintain LiquidityReduce Volati lityCompete with or Beat the MarketSleep at NightImmediate Gratification

IN CLOSING

Most Recent StatementFill out New ApplicationSign a Few Pages

WHAT’S NEXT?

THANK YOU!