new presentation short
TRANSCRIPT
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BUILD WEALTH &
KEEP IT
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Most people think that to get ahead they must:•Work harder•Stop spending•Take more risks
© 2012 Private Family Banking. All Rights Reserved.
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THERE ARE 3 WAYS TO VIEW MONEY
1) As a Spender
2) As an Investor or
3) As a Banker
© 2012 Private Family Banking. All Rights Reserved.
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Let's Look at Spending Money on Cars
© 2012 Private Family Banking. All Rights Reserved.
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THERE ARE 3 WAYS TO BUY A CAR
• Borrow Cash• Pay Cash• Private Family Banking
© 2012 Private Family Banking. All Rights Reserved.
Go to Buying Cars Graph
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© 2012 Private Family Banking. All Rights Reserved.
THE INVESTOR
● Views money as a way to buy investments (i.e., he trades his money for an investment that he hopes will go up in value)● Every investment exposes him to risk● Every gain costs him taxes
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The Investment Risk Game
% Loss To Recover % Gain Required
10% 11%
20% 25%
30% 43%
40% 67%
50% 100%
60% 150%
70% 233%
80% 400%
90% 900%
100% You're Broke
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THE EFFECT OF TAXES
Taxes destroy your money’s growth.
Go to Effect of Taxes Calculator
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© 2012 Private Family Banking. All Rights Reserved.
THE BANKER
● Views money as a way to make money● Every purchase is an opportunity to gain● Always keeps his money working
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COMPOUND INTEREST
The interest earned on accumulated interest.
© 2012 Private Family Banking. All Rights Reserved.
Einstein called it the most powerful force in the universe.
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© 2012 Private Family Banking. All Rights Reserved.
THE WEALTH CURVE
MONEY WORKING OVERTIME
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THE COST OF FALLING OFF THE WEALTH CURVE
© 2012 Private Family Banking. All Rights Reserved.
9220 30 40 50 60 70 80
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
$1,800,000
Age
THE COST OF FALLING OFF THE WEALTH CURVE
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THE COST OF FALLING OFF THE WEALTH CURVE
© 2012 Private Family Banking. All Rights Reserved.
THE COST OF FALLING OFF THE WEALTH CURVE
22 27 34 41 48 55 62 80$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
$1,800,000
Age
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EVERY PURCHASE COSTS US INTEREST
We either:
PAY UP orGIVE UP
What if we could use our own money without giving up the
interest it would earn?
© 2012 Private Family Banking. All Rights Reserved.
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STARTING PRIVATE FAMILY BANKING
• Create a pool of money• Put the money to work earning compounding• Use the pool of money as collateral when you
need cash
© 2012 Private Family Banking. All Rights Reserved.
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PRIVATE FAMILY BANKING
●We use the same financial instrument that banks use to park their money in a safe place and get guaranteed growth.
●BOLI or Bank Owned Life Insurance is held by most banks and recommended by the FDIC.
●Permanent Life Insurance is a safe, liquid way to hold and use capital.
© 2012 Private Family Banking. All Rights Reserved.
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WE CUSTOMIZE YOUR LIFE INSURANCEPOLICY SO IT GIVES YOU:
• Liquidity• Safety• Guaranteed growth• Protection from taxes• Protection from judgments (lawsuits)
© 2012 Private Family Banking. All Rights Reserved.
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4 YEARS PAYING $5k ANNUALLY
Cash Accumulation Comparison© 2012 Private Family Banking. All Rights Reserved.
0 Year 1 Year 2 Year 3 Year 4
0
2000
4000
6000
8000
10000
12000
14000
16000
18000
20000
Term
Typical Whole Life
PFB Optimized Whole Life
Cash V
alue
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PRIVATE FAMILY BANKING
© 2012 Private Family Banking. All Rights Reserved.
If you control your own banking system,you can CAPTURE THE INTEREST that you’ve been paying (never to be seen again!) to someone else.
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AVERAGE AMERICAN SPENDS $$
© 2012 Private Family Banking. All Rights Reserved.
Go to Income CalculatorAutos Housing Living Savings
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
40.00%
Payments
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34.5% IS SPENT ON INTEREST!
© 2012 Private Family Banking. All Rights Reserved.
Autos Housing Living Savings0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
40.00%
PrincipalInterest
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© 2012 Private Family Banking. All Rights Reserved.
Autos Housing Living Savings0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
SavingsMortgage InterestAuto InterestLiving Exp. Interest
CAPTURE THE INTERESTYou Have Been Paying to Others!
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NOW YOU ARE THE BANKER
© 2012 Private Family Banking. All Rights Reserved.
Premiums or Payments
MoneyPool
MORTGAGES
CREDIT CARDS
CARS
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RECAPTURE THE INTERESTBEING SPENT ON INTEREST
© 2012 Private Family Banking. All Rights Reserved.
Autos Housing Living Savings0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
40.00%
45.00%
SavingsMortgage InterestAuto InterestLiving Exp. Interest
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PRIVATE FAMILY BANKING
© 2012 Private Family Banking. All Rights Reserved.
1 2 3 4 5 6 7 8 9 10111213141516171819202122232425262728293031323334353637383940
-2000000
-1500000
-1000000
-500000
0
500000
1000000
1500000
2000000
Savings Cars Credit Cards etc. Mortgage
Years
Dol
lars
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PRIVATE FAMILY BANKING
© 2012 Private Family Banking. All Rights Reserved.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40
-2000000
-1500000
-1000000
-500000
0
500000
1000000
1500000
2000000
Savings Cars Credit Cards etc. Mortgage
Years
Dol
lars
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BENEFITS OF PRIVATE FAMILY BANKING• Life Insurance (Death Benefit)• Major Medical (compare to an HSA)• Disability Protection (using a Rider)• Guaranteed Access (Emergency Fund)• College Savings (compare to a 529 Plan)• Retirement (compare to IRA or 401(k))• Asset Protection in case of lawsuit• Tax Protected growth (compare to ROTH) • Estate Planning Tool (compare to a trust)
© 2012 Private Family Banking. All Rights Reserved.
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© 2012 Private Family Banking. All Rights Reserved.
“Everyone should be in two businesses:What they do for a livingand the banking business.”– R. Nelson Nash
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Our Thank You for attending this
presentation entitles you to a free financial
analysis. Appointment about an hour.