Welcome to... Welcome to... Five Secrets Successful Five Secrets Successful Business Owners Use to:Business Owners Use to: Convert Tax Dollars Into RetirementIncome

Protect Their Families, Businesses, Employees,Customers and Suppliers When They Die, Become Disabled or Want to Retire

Presented By:Presented By:

Archon Advisory CorporationArchon Advisory Corporation

A Registered Investment AdvisorA Registered Investment Advisor

Jaguar Financial Services, LLC Jaguar Financial Services, LLC

A Licensed Insurance AgencyA Licensed Insurance Agency

Our offices are located at:Our offices are located at:1926 Greentree Road – Suite 1101926 Greentree Road – Suite 110Cherry Hill, New Jersey 08003 Cherry Hill, New Jersey 08003 (856) 433-6700(856) 433-6700

Elliot EJ Paul, CFP®Elliot EJ Paul, CFP® 25+ years experience advising business owners and professionals25+ years experience advising business owners and professionals Managing Member: Jaguar Financial Services LLC-A Licensed Insurance Managing Member: Jaguar Financial Services LLC-A Licensed Insurance

Agency; NJ Insurance License #0336698 – Pa License #652333818Agency; NJ Insurance License #0336698 – Pa License #652333818 President: Archon Advisory Corporation - A Registered Investment Advisor President: Archon Advisory Corporation - A Registered Investment Advisor Former President: Warton Archon Financial Advisors – a SEC Registered Former President: Warton Archon Financial Advisors – a SEC Registered

Investment Advisor that managed 9 mutual fund, stock, bond and option Investment Advisor that managed 9 mutual fund, stock, bond and option portfolios for 21 yearsportfolios for 21 years

Former VP and Branch Manager: Stifel Nicolaus, Member NY Stock Former VP and Branch Manager: Stifel Nicolaus, Member NY Stock ExchangeExchange

Former VP of Philadelphia Securities AssociationFormer VP of Philadelphia Securities Association Past President Garden State Rotary of Cherry Hill, NJPast President Garden State Rotary of Cherry Hill, NJ Haddonfield Memorial High School GraduateHaddonfield Memorial High School Graduate University of Pennsylvania – BA Economics University of Pennsylvania – BA Economics Graduated: Harvard Business SchoolGraduated: Harvard Business School Former Adjunct Professor for the College For Financial PlanningFormer Adjunct Professor for the College For Financial Planning CERTIFIED FINANCIAL PLANNER ™ professionalCERTIFIED FINANCIAL PLANNER ™ professional Executive Member: Philadelphia Chamber of CommerceExecutive Member: Philadelphia Chamber of Commerce

Management Team: Management Team: Diana Fitzmaurice PaulDiana Fitzmaurice Paul

25+ Years of financial management experience in finance and accounting 25+ Years of financial management experience in finance and accounting CEO: Jaguar Financial Services, LLC; Archon Advisory Corporation and CEO: Jaguar Financial Services, LLC; Archon Advisory Corporation and

Turning Point Capital Management LLCTurning Point Capital Management LLC Jefferson University Physicians: Former Associate Vice President for Jefferson University Physicians: Former Associate Vice President for

Financial Affairs and Decision Support and Interim Executive DirectorFinancial Affairs and Decision Support and Interim Executive Director Jefferson University Physicians, the Jefferson Academic Practice Plan Jefferson University Physicians, the Jefferson Academic Practice Plan

with over 600 physicianswith over 600 physicians Temple University Fox School of Business, Philadelphia, Pennsylvania Temple University Fox School of Business, Philadelphia, Pennsylvania

graduated Summa Cum Laude with a Bachelor of Science in Accountinggraduated Summa Cum Laude with a Bachelor of Science in Accounting Graduate of Charles Ellis School For Girls, Newtown Square, PennsylvaniaGraduate of Charles Ellis School For Girls, Newtown Square, Pennsylvania

Management TeamManagement TeamDebbie ThamesDebbie Thames

Marketing Vice President: Jaguar Financial Services LLC Marketing Vice President: Jaguar Financial Services LLC and Archon Advisory Corporation and Archon Advisory Corporation

Coordinates marketing and advertising campaignsCoordinates marketing and advertising campaigns Supports marketing teamSupports marketing team Manages LinkedIn and Face Book strategiesManages LinkedIn and Face Book strategies Member: Garden State RotaryMember: Garden State Rotary Former business ownerFormer business owner

Management TeamManagement TeamFloyd HudsonFloyd Hudson

• In his 28 years in the industry, Floyd’s client-centric focus In his 28 years in the industry, Floyd’s client-centric focus and business planning expertise has provided clients and and business planning expertise has provided clients and financial partners the needed counsel to address their financial partners the needed counsel to address their goals and objectivesgoals and objectives

• 17 years with Hartford Life Insurance Company, Floyd is 17 years with Hartford Life Insurance Company, Floyd is one of 27 individuals in Hartford’s 200 year history that has one of 27 individuals in Hartford’s 200 year history that has been inducted into their Honor Circle.been inducted into their Honor Circle.

Management TeamManagement TeamMichele BrightMichele Bright

over 25 years of experience in the insurance industryover 25 years of experience in the insurance industry Managed a General Agency in California for 8 yearsManaged a General Agency in California for 8 years For 15 years, worked at Hartford as a sales and marketing specialist For 15 years, worked at Hartford as a sales and marketing specialist

assisting business and estate planning advisors with high net worth assisting business and estate planning advisors with high net worth clientsclients

Her strong organizational skills help her accomplish many tasks Her strong organizational skills help her accomplish many tasks Life & health insurance licensedLife & health insurance licensed Girl Scouts, Ambassadors Baseball Team, Food Bank, Susan G. Komen Girl Scouts, Ambassadors Baseball Team, Food Bank, Susan G. Komen

and American Cancer Society for Breast Cancer Awarenessand American Cancer Society for Breast Cancer Awareness

Management TeamManagement TeamJennifer AgnessJennifer Agness

12 years at Liberty Mutual Insurance12 years at Liberty Mutual Insurance Offers consultative review of Personal Lines Insurance. Offers consultative review of Personal Lines Insurance. Helps clients and prospects understand the type of coverage Helps clients and prospects understand the type of coverage

they have and make educated decisions about their insurance they have and make educated decisions about their insurance needsneeds

Writes Auto, Home, Condo, Renters, Excess Umbrella, Rentals Writes Auto, Home, Condo, Renters, Excess Umbrella, Rentals and Life Insuranceand Life Insurance

Licensed in New Jersey, Delaware and PennsylvaniaLicensed in New Jersey, Delaware and Pennsylvania Free quotes and no obligation reviewsFree quotes and no obligation reviews

84% of the tax returns 84% of the tax returns we see are missing we see are missing deductions that could deductions that could convert tax dollars into convert tax dollars into net worth and retirement net worth and retirement incomeincome

What is your What is your most important most important financial financial concern about concern about retirement?retirement?

1 Hour Money Master 1 Hour Money Master outlines financial outlines financial mistakes you’re making mistakes you’re making and how to avoid them. and how to avoid them.

401k and Qualified Retirement Plan contribution rules discriminate against highly compensated owners and key employees

Problem One…Problem One…

Secret One… Secret One… Owner Only 401k PlansOwner Only 401k Plans

Designed for companies Designed for companies where all employees arewhere all employees areowners and spousesowners and spouses

Owner Can Make Huge Tax-deductible Contributions For Himself/Herself

2015 elective deferrals up to 100% of compensation: $18,000 ($24,000 50+)

Employer contributions: up to 25% of compensation: $53,000 per employee

Maximum 2015 tax deductible contribution for owner: $77,000

Case Study:Case Study: Ben, 51, earned $200,000 in 2015. He deferred $18,000 plus his $6000

catch-up contribution Plus 25% of compensation: $50,000 Total 2015 tax-deductible

contribution: $74,000

Maximizes owner tax deductible contributions

No compliance testing

Minimal administrative requirements

No contributions required in bad years

401k Plan Owner Only Advantages:

Secret Two… Secret Two… Qualified Defined Benefit PlansQualified Defined Benefit Plans

Create huge tax deductible contributions for older, high Create huge tax deductible contributions for older, high income owners and key employeesincome owners and key employees

Converts tax dollars into net worth and retirement incomeConverts tax dollars into net worth and retirement income

Stop sending your hard earned dollars to Washington DCStop sending your hard earned dollars to Washington DC

Never complain about paying income taxes Never complain about paying income taxes again! again!

ChiropractorsChiropractors

PhysiciansPhysicians

DentistsDentists

AccountantsAccountants

AttorneysAttorneys

Independent contractorsIndependent contractors

Ideal For Professionals and Business Owners with highly profitable businesses, steady cash flow and less than 5 employees

Tax-deductible 412e3 contributionsTax-deductible 412e3 contributions Tax-deferred cash accumulationTax-deferred cash accumulation Tax-free death benefitsTax-free death benefits ““Free” living benefits that can replace Free” living benefits that can replace

expensive long term care policy costsexpensive long term care policy costs Pays 2% of life insurance policy’s face Pays 2% of life insurance policy’s face

amount per month for 50 months if insured amount per month for 50 months if insured can’t perform 2 ADL’scan’t perform 2 ADL’s

Tax-Deductible Life Insurance With Living Benefits

So where do get the money come to do this?

How do you convert tax dollars going to Washington DC, Trenton and Harrisburg into retirement income for you and your family?

Working with your CPA and tax advisor we can create the money you need to fund your plan

Why pay the IRS taxes this year that you are no longer responsible for when those dollars could be used for creating Retirement income, a bigger nest egg And security for your loved ones.

Don’t give the IRS an interest free loan for a year!

Write check one to the IRSWrite check one to the IRS

Write check two to your state capitalWrite check two to your state capital

Write check three to yourselfWrite check three to yourself

Which two would your tear up?Which two would your tear up?

Which one would you keep to turn tax Which one would you keep to turn tax dollars into retirement income?dollars into retirement income?

Defined Benefit Plan 3 Check Book Close

What if you had to write three checks and could tear up two of them:

Secret Three… Secret Three…

Section 162 Executive Section 162 Executive Double Bonus PlansDouble Bonus Plans

Owners can give themselves and key employees (not required) substantial supplemental retirement plan benefits

Tax-deductible

Restricts employee access

Easy to establish and administer

No IRS approval required..

Three ways to fund executive bonus plan:

1.Single bonus: Employee pays income tax on bonus

2.Double bonus: Employer pays bonus and tax due on bonus

3.Variable bonus: single bonus phases into double bonus

ABC invests $15,000 for 20 years ABC invests $15,000 for 20 years into a $1,000,000 tax-deductible into a $1,000,000 tax-deductible policy for Beth (age 45)policy for Beth (age 45)

At 65, Beth receives $50,000 of At 65, Beth receives $50,000 of tax-free retirement income for 20 tax-free retirement income for 20 yearsyears

1 Hour Money Master 1 Hour Money Master outlines financial outlines financial mistakes you’re making mistakes you’re making and how to avoid them. and how to avoid them.

Problem Two…Problem Two…Protect Owners, Loved Ones, Protect Owners, Loved Ones, Employees, Suppliers and Employees, Suppliers and Customers When An Owner:Customers When An Owner:

Dies Is disabled Retires Has a “business divorce”

Secret Four… Secret Four… Funded Buy-Sell Agreements…Funded Buy-Sell Agreements…

A buy–sell is a legally binding agreement A buy–sell is a legally binding agreement between owners of a business that governs what between owners of a business that governs what happened if an owner dies, has to leave or wants happened if an owner dies, has to leave or wants to retire to retire

It’s like a premarital agreement between business It’s like a premarital agreement between business partnerspartners

A funded buy–sell ensures that it is well-funded A funded buy–sell ensures that it is well-funded guarantees there will be money available when a guarantees there will be money available when a buy–sell event is triggered.buy–sell event is triggered.

Everyone WinsEveryone Wins

Business Owners: peace of mindBusiness Owners: peace of mind Family Members: cash for the Family Members: cash for the

businessbusiness Creditors: less default riskCreditors: less default risk Suppliers: remain in placeSuppliers: remain in place Key Customers: assured of Key Customers: assured of

continuing relationshipcontinuing relationship Employees: job securityEmployees: job security

Protects Owner’s Spouse Protects Owner’s Spouse

Helps Owner treat all Helps Owner treat all children equally whether children equally whether they work in the business they work in the business or not or not

Your Buy-Sell Agreement must:Your Buy-Sell Agreement must:

Be up-to-date

Be funded – does no good if there’s no money to take care of loved ones and other owners when you die, become disabled or retire

Include realistic business valuation so everyone treated fairly

And holds up to IRS scrutiny

Strangers or deceased owner’s family members may become your new business partners

You may not be able to sell when you want to retire or have a “business divorce”

Your business partners may block the sale of your company

Without a Funded, Up-To-DateBuy-Sell Agreement:

Funding Methods Funding Methods Buyer’s personal funds Buyer’s personal funds Sinking fundSinking fundBorrowed fundsBorrowed funds Installment paymentsInstallment paymentsLife insuranceLife insurance

Our Gift to you: Our Gift to you: Your FREE Buy-Sell Plan Review Your FREE Buy-Sell Plan Review and Informal Business Valuation if:and Informal Business Valuation if:

It’s been 2+ years since your buy-sell It’s been 2+ years since your buy-sell agreement was drafted or reviewedagreement was drafted or reviewed

You have an operating or partnership You have an operating or partnership agreement but no buy-sell agreement agreement but no buy-sell agreement and three years of tax returnsand three years of tax returns

Your buy-sell agreement has not Your buy-sell agreement has not

been fundedbeen funded

The solutions we’ve presented are The solutions we’ve presented are funded with:funded with:

Archon Advisory Corporation’s professionally managed investment Portfolios Life insurance Annuities

Problem Three…Problem Three…

The The Dow Jones Industrial Average, S&P Dow Jones Industrial Average, S&P 500 and Bonds Are Near Seven Year Highs500 and Bonds Are Near Seven Year Highs

It’s customary for stocks to pull back 10 to 25%It’s customary for stocks to pull back 10 to 25%

When interest rates rise…intermediate to 30 year When interest rates rise…intermediate to 30 year bonds fallbonds fall

Be a Bull, Be a Bear…Don’t Be a Pig!Be a Bull, Be a Bear…Don’t Be a Pig!

Secret 5…Archon’s Five Actively Secret 5…Archon’s Five Actively Managed Asset Allocation PortfoliosManaged Asset Allocation Portfolios

Experience:Experience: EJ Paul has 25+ years experience EJ Paul has 25+ years experience managing stock, bond and option portfoliosmanaging stock, bond and option portfolios

Perspective:Perspective: Ability to weed out market noise Ability to weed out market noise from important informationfrom important information

Trading by Trading by disciplined, proven fundamental and disciplined, proven fundamental and technical trading rulestechnical trading rules

Alignment of interests: Competitve Alignment of interests: Competitve Management fees with no commissionsManagement fees with no commissions

Opportunity to Opportunity to benefit from rising and falling benefit from rising and falling markets markets taking profits/reducing risk in taking profits/reducing risk in overbought market tops and buying back in overbought market tops and buying back in after the markets show signs of strengthafter the markets show signs of strength

Risk management controlsRisk management controls

Unemotional buying and selling decisionsUnemotional buying and selling decisions Active monitoring Active monitoring of portfolio positions and of portfolio positions and

markets to markets to take advantage of market take advantage of market opportunitiesopportunities

How Would You Feel If…

Stocks drop 10% and your $500,000 nest egg loses $50,000

A one million dollar portfolio could lose $120,000 if stocks pullback 12%

A 20% drop with $2,000,000 invested means your stocks lose $400,000

You worked hard for your money, let your money work hard for you!

The Long-Term U.S. Stock The Long-Term U.S. Stock Market Outlook Is PositiveMarket Outlook Is Positive

Only by owning the great Only by owning the great companies of America can companies of America can you expect to preserve you expect to preserve purchasing powerpurchasing power

Can You Manage Money Yourself?Can You Manage Money Yourself?Is it…Is it… High on your list of priorities?

Do you have the time?

Do you have the temperament?

Do you have the experience?

How have your investments fared?

Can you make objective, unemotional decisions?

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Archon Clients Are Archon Clients Are Greedy Cowards:Greedy Cowards: Make me money

Don’t Lose My Money

Save Me Taxes

Are your investments doing well Are your investments doing well because you are an expert because you are an expert money manager or because the money manager or because the markets have done well the past markets have done well the past seven years?seven years?

What happens when the stock What happens when the stock and bond markets take a drop?and bond markets take a drop?

PerformancePerformance

Please note: the above figures reflect SEI’s performance for its mutual fund private client accounts. Archon’s use of SEI’s private client mutual fund strategieswould have yielded higher or lower investment returns than those above.

The Big Question…The Big Question…

How do the solutions in this How do the solutions in this presentation apply to your situation?presentation apply to your situation?

We never charge for appointmentsWe never charge for appointments

Is there anything you want to learn Is there anything you want to learn more about?more about?

The 1 Hour Money Master is a personal The 1 Hour Money Master is a personal appointment in my office or by phoneappointment in my office or by phone

Not a sales presentationNot a sales presentation

Leave your checkbook home.Leave your checkbook home.

We discuss your areas of interest, the We discuss your areas of interest, the strategies that may apply to you and strategies that may apply to you and identify your potential savingsidentify your potential savings..

Free Insurance AuditFree Insurance Audit Policies bought 5 years ago may be too costly and lack critical new

benefits

Includes safety check-up: Weiss vs. AN Best, Moody’s, Fitch and S&P reports (Insurance companies pay all but Weiss huge fees to get rated; makes their ratings questionable)

Smart to review policies every 3 years to make sure your coverage fits your current needs

Goals:1. Increase death benefit at current funding levels

2. Reduce premiums with same coverage

3. Extend guaranteed coverage

4. Better investment performance

5. “Free” living benefits that can replace expensive long term care policies

What would What would we do if we we do if we were you?were you?

For more information regarding an investment in For more information regarding an investment in Archon’s professionally managed investment Archon’s professionally managed investment portfolios or the other solutions in this portfolios or the other solutions in this presentation, please contact Elliot EJ Paul, CFP ®, presentation, please contact Elliot EJ Paul, CFP ®, President, Archon Advisory Corporation - President, Archon Advisory Corporation - A Registered Investment Advisor. A Registered Investment Advisor.

Email: Email: EJPaul@ArchonAdvisory.comEJPaul@ArchonAdvisory.comDirect: (856) 433-6700Direct: (856) 433-6700Fax: (856) 433-8373Fax: (856) 433-8373

Suite 110Suite 1101926 Greentree Road, 1926 Greentree Road, Cherry Hill, New JerseyCherry Hill, New Jersey0800308003