Download - Brian poncelet presenation
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TodayMarriage
HomeChildren
Promotion
Mid-Life Crisis
Retirement
RetirementInsurance Planning
3 Phases of Planning:1. Accumulation2. Liquidation3. Preservation
Death
Estate Planning
PERSONAL TIMELINE
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UPSIDE-DOWN PYRAMID
Financial Plan
Life Insurance
Will & Power of Attorney
Disability & Health Ins.
Education Savings
Retirement Savings
Personal Savings
HomeDebt
Reduction
Equity Equity InvestmentsInvestments
Art Gold
} Uncontrollable Events
} Planning Priorities
} Investment Opportunities
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OFFENCE
Investment Advisor(Wealth Accumulation)
Chartered Accountant(Tax Planning)
Bank Manager(Money Management)
DEFENCE
Insurance Advisor(Risk Management)
Lawyer(Estate Planning)
YOU(Goaltender)
YOUR FINANCIAL TEAM
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CONNECT THE DOTS
● Retirement Planning
● Education Savings
● Wills
● Debt Reduction
Life Insurance ●
Annuities ●
Mutual ●Funds
● Estate Taxes
Charitable ●Giving
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Rudder = GoalsHull = SavingsSail = Investments
= INSURANCE
FINANCIAL SAILBOAT
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Inflows: Premiums and Investment Income
Outflow: Cost of Insurance
Tax-Sheltered Reserve
UNIVERSAL LIFE BATHTUB
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SPOUSE SPOUSE
HEIRS
Taxes
First Death
Second Death
Retirement
RETIREMENT & ESTATE PLANNING TREE
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COMBO APPROACH
LIFE INSURANCE OPTIONS FOR JOHN AND JANE DOEPermanent Insurance Term Insurance Monthly Premium
$50,000 $200,000 $70
$100,000 $150,000 $89
$150,000 $100,000 $112
$200,000 $50,000 $137
$250,000 $0 $157
Please Note: This summary is for illustrative purposes only and is not an insurance contract. Before purchasing coverage, refer to a full and complete policy illustration for specific plan details and values. The premiums shown above may change significantly depending on the plan selected. All figures have been rounded to the nearest dollar.
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COMBO APPROACH
LIFE INSURANCE OPTIONS FOR JOHN AND JANE DOENew Permanent
InsuranceRemaining Term
InsuranceAdditional Monthly
Premium to Convert Current Term Coverage
to Permanent
$50,000 $200,000 $34
$100,000 $150,000 $53
$150,000 $100,000 $76
$200,000 $50,000 $101
$250,000 $0 $121
Please Note: This summary is for illustrative purposes only and is not an insurance contract. Before purchasing coverage, refer to a full and complete policy illustration for specific plan details and values. The premiums shown above may change significantly depending on the plan selected. All figures have been rounded to the nearest dollar.
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HOME RETIREMENTEDUCATION HEALTH CARE
Disability & Critical Illness Insurance
Long Term Care Insurance
$$
SPENDING BUBBLES
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HEALTH CARE HEADLINE
No Waiting in New Health Care PlanEnhanced coverage lets patients skip the queue
(Reuters) - The federal government today unveiled plans to provide enhanced medical care to those willing to pay for the privilege.Instead of waiting months for treatment of serious illnesses such as cancer, plan members would be offered immediate care elsewhere.Health officials say the new program will be affordable, with guaranteed rates as low as two to five dollars a day. It will also include a full refund if members do not submit a claim during their lifetime.
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• Front of the Line Coverage
• You Choose the Limit
• Guaranteed Cost for Life
• Refund of Payments
HEALTH CARE GOLD CARD
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PARTIAL COVERAGE
HOME INSURANCE OPTIONSRooms to be Insured:
KitchenLiving RoomFamily RoomMaster BedroomSecond Bedroom
Risks to be Insured:Fire
TheftVandalismLiabilityWater Damage
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PICASSO
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HowMuch?
HowLong?
HowSoon?
FIO COLA
RetirementProtector
BUILDING BLOCKS
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Poor-Boy Parachute$20 to Rent
50% ReliableNo Warranty
TWO PARACHUTES
Premier Parachute$50 to Own
100% ReliableLifetime Warranty
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YOU AND YOUR STUFF
YOUR VALUE YOUR STUFF’S VALUE
$ _________________(annual salary)
x _________________(years to retirement)
= $ _________________Total Earnings Potential
Home _______________
Investments _______________
Car _______________
Home Contents _______________
Other Assets _______________
Subtotal:_______________
Less Liabilities: (______________)
= $ _______________Personal Net Worth
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YO-YO
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Benefit #1:Tax Deduction
Benefit #2:Tax-Sheltered Growth
COFFEE CUP
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TAPE MEASURE
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VEGETABLE GARDEN
$
TimeRetirement
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Plan B
ESTATE BRIDGE
Taxes
YOU YOUR HEIRSPlan A
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POCKET CHANGE
PLAN A
Your Estate
Your Heirs Taxes
PLAN B
Your EstateInsurance Co.
Your Heirs Taxes
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SHOES OF THE PROBLEM
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TWO-WAY STREET
Your Decision:
Pay $ per month. Cancellable any time.
Insurance Company’s Decision:
Insure you for $ tax-free. Guaranteed for lifetime of policy.
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---------- Two hundred and fifty thousand ----------
250,000Your Children and Heirs
TWO CHEQUES
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---------- Two hundred and fifty thousand ----------
250,000Tax Department
TWO CHEQUES