BANKING STRATEGIES PRESENTATION
Providing Full Circle Financial Solutions
Facing The Challenges of a Changing World Social Security (insecurity) Pensions Debt Personal Savings College Funding Retirement Employment
Statistics Show Americans At Age 65 What can you do differently to ensure you won’t end up in the majority? 100
80
1% will RETIRE VERY WEALTHY
60
54% 36%
40
20
1% Wealthy
4% Secure
5%
Passed Away
Working
Broke
Even in Good Times These Issues Have Plagued America Where does your money actually go? Total Debt Inc. Mtg 34%
Living Expenses 30%
Taxes 33% Savings/Investments 3% Eliminating debt, minimizing taxes, and utilizing the right kind of insurance can potentially give you a 60‐70% pay increase, and help you build a solid, tax‐free retirement in the process! Adapted from study done by North Dakota State University
5,000 Years of Core Banking Strategies
Banks lend; they don’t invest Banks transfer risk away from the bank Banks turn liabilities into assets
Do What The Banks Do Tier One Assets (Core Reserves) 1.
Cash
2.
Treasury Bills
3.
Precious Metals
4.
Whole Life Insurance (BOLI)
If You Can’t Beat Them ‐ Join Them
Mimic Core Banking Systems & Strategies
What If YOU Could Be The Bank?
What chair would you sit in?
Money Flow and Banking Strategies
Your Lifetime Earning Potential
$2m
Income
$1.5m
$1m
$5k
25 yrs
45 yrs Years/Age
65 yrs
$2,000,000 In Lifetime Money
Interest Paid on Debt Federal & State Taxes Savings & Retirement (New Savings Potential)
Imagine Earning A 35% Raise?
You can by simply redirecting interest you already paid to the banks and financial institutions.
What Are You Really Earning?
4 PILLARS Of Financial Freedom
Banker’s Optimal System of Security
Debt Elimination
The Forbes 400 were asked in a recent survey,
What is the most important key to building wealth? 75% said becoming and staying debt free is the #1 key to building wealth.
Debt Elimination
Debt is the silent killer of your future hopes and dreams. The key is to make your money work smarter with little impact to your standard of living. In order to be successful, you need to adopt a strategy to use the banking systems to your advantage.
Debt Elimination The Money Merge Account® Program: Is a revolutionary web‐based software system that identifies the quickest route to zero debt for each users unique financial situation.
How does it do this? Strategic Debt Payoff Interest Cancellation Utilizes Stagnant Money Interest Float Optimizes the Use of Your Income Ongoing Coaching and Education Support Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.
Conventional Banking vs. Money Merge Account® Program Conventional Banking Refinance Bi‐Weekly Payments Debt Consolidation Debt Rolldown Program Additional Payments to Principal Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.
Conventional Banking vs. Money Merge Account® Program Money Merge Account® Program No refinancing of existing loan necessary Not a Bi‐Weekly Program Not a Debt Consolidation Loan Not a Debt Rolldown Program Little to no change in current lifestyle Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.
Current Debt Schedule Year 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
Principal Paid
Interest Paid
$6,699.27 $13,903.30 $21,650.99 $29,984.35 $38,948.74 $42,282.13 $45,824.60 $49,589.88 $53,592.69 $57,848.88 $62,375.63 $67,191.49 $72,316.57 $77,772.75 $83,583.97 $89,776.35 $96,378.71 $103,422.79 $110,943.80 $118,992.34 $127,122.24 $135,753.57 $144,917.27 $154,646.17 $164,975.11 $175,941.13 $187,583.51 $199,943.97 $213,066.78 $227,000.00
$14,199.45 $27,894.14 $41,045.17 $53,610.53 $65,544.88 $77,027.29 $88,300.62 $99,351.14 $110,164.13 $120,723.74 $131,012.79 $141,012.73 $150,703.45 $160,063.07 $169,067.65 $177,691.07 $185,904.51 $193,676.23 $200,971.02 $207,749.57 $214,008.87 $219,766.74 $224,992.24 $229,652.54 $233,712.80 $237,135.98 $239,882.80 $241,911.54 $243,177.93 $243,634.94
Total Paid $20,898.72 $41,797.44 $62,696.16 $83,594.88 $104,493.62 $119,309.42 $134,125.22 $148,941.02 $163,756.82 $178,572.62 $193,388.42 $208,204.22 $223,020.02 $237,835.82 $252,651.62 $267,467.42 $282,283.22 $297,099.02 $311,914.82 $326,741.91 $341,131.11 $355,520.31 $369,909.51 $384,298.71 $398,687.91 $413,077.11 $427,466.31 $441,855.51 $456,244.71 $470,634.94
Debt Acceleration Schedule Year
Principal Paid
1 2 3 4 5 6 7 8 9 10 11 12
$13,542.84 $28,176.18 $41,191.46 $57,950.28 $75,743.21 $94,633.57 $114,689.05 $135,981.54 $158,587.27 $182,587.29 $208,067.57 $227,000.00
Interest Paid $13,947.87 $26,730.17 $38,381.22 $49,041.52 $58,668.16 $67,197.37 $74,561.46 $80,688.57 $85,502.41 $88,921.96 $90,861.25 $91,286.88
Total Paid $27,490.71 $54,906.35 $79,572.68 $106,991.80 $134,411.37 $161,830.94 $189,250.51 $216,670.11 $244,089.68 $271,509.25 $298,928.82 $318,286.88
Interest Saved
152,348.06
Years to Payoff
11.7
Time Savings
18.4
Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.
How The Money Merge Account® Program Works For You The Money Merge Account® Program helps you manage your cash flow with optimal efficiency.
So you can maximize every available dollar to your advantage – instead of the banks! Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.
Wealth Building
Rule #1: Never lose the principal value of your investment. Rule #2: Never violate rule #1. Rule #3: Guaranteed returns.
Wealth Building Our Strategy No risk of loss to principal 1 Grows tax‐deferred Accessible with tax advantage benefits 2 Lawsuit proof 3 Judgment proof 3 Creditor proof 3 Banker’s Optimal System of Security
1. Return on principal may vary 2. Under certain policy provisions 3. These restrictions will vary from state to state, check with the current laws within your state . These strategies only pertain to a cash value life insurance policy. Check with your financial advisor for details.
Becoming Your Own Bank Traditional Banking Auto loan
Payments & Interest
Finance $25,000 every 4 years, costing $29,222 in payments & interest!
Becoming Your Own Bank Our Strategy Pay into policy
Auto loan
Payments & Interest
Finance $25,000 every 4 years, re‐capturing $29,222 in payments & interest!
Banking Concepts $1,000,000
Growth Over 40 Years $800,000 Gain
$600,000 $400,000 $200,000
Loss Over 40 Years
$0 Loss
‐$200,000 ‐$400,000 Option #1 Lease 10 vehicles Option #2 Lease 10 Vehicles Finance (‐$252,500) (‐$202,222)
Finance Savings Account Option #5BOSS Option #3Cash Option #4 BOSS Cash Savings $787,738 $40,000 $382,222
Retirement Planning
Retirement income can now be predictable with UFirst Alliance and the BOSS program Banks have thrived for centuries by feeding off the fruits of lending. Your alternative to traditional investments, 401k, IRAs, stocks, bonds, real estates, etc.
Retirement Planning With BOSS Personal Bank: Flexible Retirement Account BENEFITS: It is not limited to the 59 ½ or the 70 ½ traditional restrictions for access like 401K’s or IRA’s to receive the benefits of tax‐deferred growth. 1 Provides tax advantage supplemental retirement income. 1 Creates a tax‐free estate death benefit. Living benefits include: Loan provision Emergency fund Retirement income Personal financing needs Business capital 1. Under certain policy provisions and restrictions. Check policy loan provisions for more details. You may want to check with your tax advisor for information on qualified plans.
Legacy Planning
Those you love are the most cherished asset of all. UFirst Alliance operates in timelines measured by generations, not just years. Leave a legacy that will permanently impact your family for generations to come…
Full Circle Financial Solution Banking Systems
Your Money Flow Banking Strategies
Road To Financial Freedom
Begin Your Road to Financial Freedom Today!
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