master system for retirement income
DESCRIPTION
The MASTER System was developed to provide retirees with an income stream that cannot be outlived. Taking into account a number of variables (rate of return, inflation, taxes, etc.), financial advisors are able to mathematically calculate portfolio allocations to meet the objectives of their clients.TRANSCRIPT
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FINANCIAL CONSULTANTS
MASTERTM SystemFor high-net-worth individuals and couples
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Never Run Out of Money?
How do you guarantee that you will not outlive your income?
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More Money. Less Taxes.
How can you guarantee to increase your monthly income and pay less taxes simultaneously?
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Case Study
Richard & Helen
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Richard & Helen
Both Richard & Helen are Retired• Social Security• No Pension
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Richard & Helen
Both Richard & Helen are Retired• Social Security• No Pension
Enjoy International Travel• Vacation 2-3 times a year• Need care for disabled son when traveling
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Richard & Helen
Both Richard & Helen are Retired• Social Security• No Pension
Enjoy International Travel• Vacation 2-3 times a year• Need care for disabled son when traveling
Substantial Net Worth• Real Estate (residence & raw land)• $1 million cash and marketable securities
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Richard & Helen Have…
4CONCERNS
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Concerns
1Both of their families have histories of longevity.
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Concerns
2Concerned that they might run out of money.
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Concerns
3Worried about supporting disabled son in the future.
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Concerns
4Would love to reduce their income tax liability.
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STRATEGY…Is There A
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CONCERNS?
…That Addresses
4ALL
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MASTERTM System
Multiple Asset Strategy for Tax, Estate & Retirement
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A Strategy for Richard & Helen
MASTER System
Solves the risk of running out of money during retirement.
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A Strategy for Richard & Helen
MASTER System
Minimizes income taxes.
2
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A Strategy for Richard & Helen
MASTER System
Provides for the efficient management of their estate.
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How?
MASTER System preserves and protects principal...
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How?
…by providing a system for an advisor to mathematically structure their accounts.
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MASTERTM Allocation
Leave On Dollars
Live OnDollars
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MASTERTM Allocation
Years 1-5
Years 6-10
Years 11-15
Years 16+
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Year 1-5 6-10 11-15 16+
Start $216,470 $169,961 $132,890 $481,010
Richard & Helen’s Allocation
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How is Allocation Calculated?
Among other factors…
Objectives
Age
Risk
Tolerance
Assumed Inflation
% Rates
Other
Assets
The hypothetical example used in this presentation is for illustrative purposes only. It is not investment advice. It assumes a 5% annual rate of return, and does not represent specific investments or insurance contracts. Actual results may vary.
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Year 1-5 6-10 11-15 16+
Start $216,470 $169,961 $132,890 $481,010
Monthly Income$3,705
Richard & Helen’s Allocation
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Year 1-5 6-10 11-15 16+
Start $216,470 $169,961 $132,890 $481,010
6 0 $216,470 169,961 613,910
Monthly Income$3,705
Richard & Helen’s Allocation
All Spent
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Year 1-5 6-10 11-15 16+
Start $216,470 $169,961 $132,890 $481,010
6 0 216,470 169,961 613,910
11 – 0 $216,470 783,520
Monthly Income$3,705
Richard & Helen’s Allocation
All Spent
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Year 1-5 6-10 11-15 16+
Start $216,470 $169,961 $132,890 $481,010
6 0 216,470 169,961 613,910
11 – 0 216,470 783,520
16 – – 0 $1,000,000
Richard & Helen’s Allocation
All Spent
Use the 4th Bucket to Start All Over
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Are Richard & Helen Relieved?
Question: Does the MASTERTM System accomplish Richard and Helen’s objectives?
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Concerns
1Both of their families have histories of longevity.
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Concerns
2Concerned that they might run out of money.
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Concerns
3Worried about supporting disabled son in the future.
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Concerns
4Would love to reduce their income tax liability.
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Richard & Helen’s Assets
$1 Million Investment Portfolio
Stocks: $100,000
Muni Bonds: $200,000
MM Funds: $100,000
CDs: $600,000
Before MASTERTM System
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Generate?
What do these
Assets
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Taxable Income
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Assets
After Richard & Helen
Reposition Their
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Richard & Helen’s Taxes
IRS Form 1040–Short OverviewUsing MASTERTM
System
Line Description Before After
35 Adjusted Gross Income $96,786 $38,203
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Richard & Helen’s Taxes
IRS Form 1040–Short OverviewUsing MASTERTM
System
Line Description Before After
35 Adjusted Gross Income $96,786 $38,203
72 Tax Liability—Amount You Owe 21,875 3,072
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Richard & Helen’s Taxes
IRS Form 1040–Short OverviewUsing MASTERTM
System
Line Description Before After
35 Adjusted Gross Income $96,786 $38,203
72 Tax Liability—Amount You Owe 21,875 3,072
After-tax Cash Flow $103,378 $131,657
$28,279 More
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Richard & Helen’s Taxes
Summary
Using MASTERTM System
Item Was Now
After-tax Annual Income $103,378 $131,657
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Richard & Helen’s Taxes
Summary
Using MASTERTM System
Item Was Now
After-tax Annual Income $103,378 $131,657
After-tax Monthly Income 8,615 10,971
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Richard & Helen’s Taxes
Summary
Using MASTERTM System
Item Was Now
After-tax Annual Income $103,378 $131,657
After-tax Monthly Income 8,615 10,971
Monthly Increase Cash Flow - $2,356
IMPORTANT NOTE: Richard and Helen have reduced their taxable Social Security benefits by $12,220 (71.17%)!
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Concerns
4Would love to reduce their income tax liability.
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Think About This …
Using the MASTER System
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We Can Help You…
…mathematically redesign your portfolio so you’ll never run out of money.
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We Can Help You…
Significantly increase your monthly income stream.
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We Can Help You…
Dramatically reduce your taxes.
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Major Implications for…
…how you make certain that you do not outlive your income.
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Major Implications for:
How your estate and taxes should be planned.
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Remember
It’s not just what you earn…
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Remember
It’s what you keep that counts!
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That was an Income Strategy
Protect Against or Avoid Strategy
Market Risk / Sequence Risk Indexed Annuities
Outliving Assets / Taxes MASTERTM System
& Tax
^
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Consider…
What would happen to your financial stress and anxiety if you knew that you would not run out of money during retirement?
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1
What Should You Bring?
Bring these to your free confidential consultation:
Completed “Client Questionnaire”
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3
4
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6
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Your Spouse Needs to Come!
Tax Returns
Copies of All Investment Statements
Estate Plan
Copies of All Life Insurance Policies
List of Questions
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Complete the contact info at the bottom of the “Presentation Evaluation Sheet.”
3 Raise your hand when your sheet is completed to enter the drawing.
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Client Confidential Questionnaire
Please make a note of the date and time of your personal consultation.
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FINANCIAL CONSULTANTS
Thank you for attending.
We sincerely hope you feel you have
benefited from our presentation.
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Retirement Planning