Times Have Changed, Financing Has Not.

It’s time to change that.

You are in for a southern ride today with R. Nelson Nash! Are you ready? Nelson

is my mentor and a trusted advisor to some of the world’s smartest and

wealthiest people. He dedicated his life to studying economics and money in

order to create wealth and properly manage it without risk. It is an honor to

have him at this year’s conference.

This event was created to change your thought process about money,

retirement and the way you view life events in general. For some of you, today is

a continuation of your knowledge. Others are here to learn new concepts.

Regardless of your category, put your seat belts on, take pages of notes, and ask

all of the questions!

After this conference, you will know what you are doing is the safest, smartest,

steadiest, and most tax-advantageous thing you can do with your money. I hope

you meet some new friends and visit with them about how they are using the

strategy. Make the most of today and let me know if I can help make your

experience a better one.

Mary Jo

8:30 Registration & Breakfast

9:00 Conference Welcome | Mary Jo Irmen

9:15 Think to Question What You Know | R. Nelson Nash

11:30 Basics of Finance & Life Insurance | Mary Jo Irmen

12:15 Lunch | Sponsored by OneAmerica

1:00 Maximizing Retirement Dollars | Jeffrey Smith

2:30 Using The Infinite Banking Concept | R. Nelson Nash

3:30 Living Rich: Balancing Work and Joy | Kristi Pfleiger-Keller

4:30 Final Thoughts | Mary Jo Irmen

5:00 Social

CONFERENCE SPECIAL! Buy More Than 1 Item & Save 10%

Nash remains a popular teacher and lecturer on the Infinite Banking

Concept™ through dividend-paying whole life insurance.

A native of Georgia, Nash received a B.S. Degree in Forestry from the

University of Georgia, 1952. From 1954-1963, Nash worked as a Consulting

Forester in eastern North Carolina.

With more than 35 years’ experience as a Life Insurance Agent, Nash worked

with The Equitable Life Assurance Society of the U.S. and with The Guardian.

Recognized for his high achievements, Nash was inducted as a Hall of Fame

Member by Equitable, a Chartered Life Underwriter, and Life Member of the

Million Dollar Round Table.

A pilot for 60 years, Nash flew with the Army National Guard, and earned

Master Aviator Wings during his 30 years of military service.

He has been married to Mary W. Nash for more than 50 years. The couple live

in Birmingham, Alabama and have three children, ten grandchildren and five

great-grandchildren.

Do you continue driving hoping you will make a full circle, stop and ask

another person for directions or stop and get a map or download the map app

for your phone to have the lady tell you which way to go?

I’m pretty sure you know the answer. You aren’t going to keep driving, you

have no idea where you are going! You’re probably not going to take a risk on

another person who “may know”. You are going to find yourself a map one

way or another, you will finish this trip with specific directions that have been

tried and true, numbers of highways laid out and guarantees you will get

where you want to go.

This is very much like your finances. If you blindly follow those telling you

want to do you may not get where you want to go. You are risking that their

information is right. When you take control of your own finances you see

what is going on. When you put that money into a properly structured whole

life insurance policy your road map is laid out and you are guaranteed to get

where you want to go. You can see your destination ahead.

We have all been conditioned to think we should be asking others for

directions to wealth yet they themselves don’t know the roads and guess at

which road we should be taking. We do this in most cases because we have

not been taught to think about it. We have been taught to think like everyone

else. When we stop thinking, we stop learning.

R. Nelson Nash says it over and over, “It’s all about how you think.” When we

think risk is ok, risk is ok. When we learn risk is not ok, risk is not ok.

Have you changed your thought process and got your own map for your road

to wealth or are you just driving around hoping to make a big circle thinking

like everyone else?

For more articles like this one, visit Mary Jo’s blog at farmingwithoutthebank.com

Imagine you are on a trip and find yourself lost. So,

you stop and ask for directions. You do exactly as

they say and later find yourself an hour away from

where you intended to be. What do you do? Nelson Nash is the discoverer and

founder of The Infinite Banking

Concept™ and the author of

Becoming Your Own Banker.

Mary Jo Irmen is your host today

as well as the author of the books

Farming Without the Bank and

Wealth Without the Bank or Wall Street.

She is a six-year veteran of the Infinite Banking Concept and a certified

practitioner to teach this concept and works with clients across the United

States.

Mary Jo is full-blooded German so don't expect any sugar coating on any

subject, much less finance. She is passionate about telling the truth and

exposing the lies of traditional finance, whether that be for farmers or non-

farmers. She wrote both books because she believes Americans are not

utilizing their money correctly and the truth needs to be told.

Mindy is the voice behind the phone. She has an

uncanny ability to keep everything organized so she

has many roles like office manager, client services

manager, application facilitator, and ‘work trip’

planner. She’s been Mary Jo’s rockstar assistant – AKA

the boss - since January 2016.

She can help you schedule a meeting with Mary Jo,

get the right paperwork to take a loan on your policy,

and coordinate your application.

Alisa Schantz is an agent that has worked beside Mary

Jo at FiscalBridge since 2015. Her passion is working

with young professionals and new families to help

them get off on the right foot financially.

JUST PUBLISHED!

The essential guide for

Americans who want to create

a retirement account without

giving up access to their

money until age 59 ½!

Stephanie is the marketing and advertising arm of the

team. She’s getting the conversation started and

keeping the conversation going on the website and

social media channels.

She can help you share your Infinite Banking

testimonial with the world and take advantage of

technology.

He is the acting Vice President of Agency Sales and Development of Individual

Life and Financial Services at OneAmerica. In addition to his role as VP, Jeff

leads the Economic Based Planning team and supports agents in advance sales

and economic based planning support. He leads the industry in knowledge

about economic based planning and has focused on optimizing retirement

income with the development of the Whole Life Cornerstone Retire Tool.

Jeff started his career as an agent with Central Life out of Des Moines, Iowa

where he was Rookie of the Year in 1984. Over the next six years, he would

earn awards and a promotion to Agency Manager in Madison, WI. He became

a General Agent for Guardian in November 1994 and remained a General

Agent until joining OneAmerica in 2007.

Jeffrey joins us as a 31-year veteran

of the life and financial services

industry as a Certified Financial

Planner.

Whether it's working for a non-profit, in the health care industry, or just being a

North Dakota Mom or a Harley rider on the open road, Kristi engages her

audience with stories that matter. Kristi brings a new perspective to how life

and finances can be managed to maximize fun, and satisfaction.

Kristi is a trainer that combines an

off-beat season of humor with her

"been-there-done-that" work

examples.

Charlie has not only left Jason money to operate but by the time $671,692 death benefit

money gets into the policy in year eight it has already given Jason access to $720,661 of

cash value!

SECOND GENERATION

When Jason passes away his son, Beau, is 55 years old. The same age his Father was

when his Grandfather died. Beau Father has taught him well, and he too takes his

inheritance of $2.7 million and buys a whole life insurance policy on himself. Beau uses

this money to fund the first eight years of a life insurance policy. From that point forward

Beau pays $75,000/year to continue funding his policy.

Now that may seem like a lot but after two generations of inheritance, the policy can be

easily funded for the maximum benefit.

THIRD GENERATION

Beau, like his father, has cash value to use for operating expenses right away and by the

end of year eight he has allocated the entire death benefit to the policy which has a total

cash value at that time of $2,945,820. In eight years with no additional cash input, Beau

has around $211,000 MORE than what his father left him. Beau too has the same

opportunities to do what is father did with his policy cash value, buy land and increase

the farm, help the kids, retire, and the list continues to go on and on.

Now let’s talk about what Beau is going to leave his children when he passes at age

85……. $11.6 million dollars…. INCOME TAX FREE!

Each of the policy death benefits left the next generation with 4-times more than what

the first had. That means if Beau’s son moved this money to a policy he would leave his

children around $46.6 million dollars.

WEALTH TIP: MAKE YOUR MONEY WORK AS HARD AS YOU DO

With this strategy you can build wealth for “pennies” on the dollar. The total out-of-

pocket premiums over the lifetime of all three of these men was $2,710,000 and the

total death benefit payout was $15,059,265. That means they paid $0.18 cents for every

dollar of death benefit. (Again we have to use logic, the money that was used to start

these policies from death benefit was NOT out-of-pocket for Jason or Beau. Anything

after year eight was out-of-pocket for them.) When you look at what the fourth

generation’s “cost” will be it goes down to around $0.15 cents on the dollar.

The whole-time Charlie, Jason, and Beau

had access to the cash value to farm and live with.

AMERICAN FARM FAMILIES DON’T HAVE TO LOSE!

For more articles like this one, visit Mary Jo’s blog at farmingwithoutthebank.com

America is losing. We are losing farmers and farm families

all too often. Our industry is losing generations of young

people because they don’t want to farm.

The truth is, it’s not because they are lazy, it’s because they see the cash-flow struggle,

and they don’t want to live that way. Parents tell me they hope their kids DON’T farm

because it’s a lot of work for little pay.

The struggle is real. One day it’s glorious, and the next could be the day that wipes it all

away.

THE GOOD NEWS IS AMERICA DOESN’T HAVE TO LOSE.

We CAN save the family farm with a little bit of planning. You may not see it in your

generation but it HAS to start with your generation. I wrote a blog about taking care of

the next generation titled, Who Are You Building It For. If you haven’t read it, take a look.

This article is the sequel because I am going to crack the numbers so you can see just

how powerful the Farming Without The Bank strategy is.

The scenario I ran was with a Grandfather (Charlie), Son (Jason) and Grandson (Beau).

This is three generations and yes, I used males because I wanted worst case scenario

numbers.

As always I can’t run EVERY scenario so use your imagination, reason, and logic when

reading this.

FIRST GENERATION

Grandpa Charlie, starts a whole life insurance policy set up as Mary Jo would on himself

at age 60. He decides to budget for $20,000 of premium every year. Charlie lives until he

is 80 yrs old at which time his death benefit is $671,692. Jason, his son and farm business

partner, received the death benefit INCOME TAX FREE.

Grandpa’s death benefit is left to his son, Jason, who is 55 yrs old at the time of his

father’s death. Jason takes this $671,692 and starts a policy with it. This money pays for

the first eight years of premium, and from that point on Jason pays $20,000/year

premium until he passes away at age 85.

To see policy illustrations, visit: http://farmingwithoutthebank.com/save-the-farm