last chance retirement strategy

Presented by

JERRY STONEHOUSE

Tax Advantaged and “Safe”Retirement Savings Advisor

"New Knowledge is the mostvaluable commodity on

earth.

"New Knowledge is the mostvaluable commodity on

earth.

The more truth wehave to work with,

the richer we become."Kurt Vonnegut

Just Say “NO!”

401(k), 403(b), 457,

IRA, SEP or ROTH!

Truth #1

IRS Qualified

Retirement Savings Plans

403b / 457 / IRA / SEP / 401k

Are a Failure!

5 Reasons You Shouldn’tContribute to a 401(k)

March 16, 2011

1) If there is no employer match.

2) High Fees.

3) Higher Tax Rate (at withdrawal) in Qualified Plan.

4) Larger Tax Bill at Withdrawal (larger balance).

5) (Likely) Future Tax Rate Increases.

October 19,2009

“Why It’s Time to Retire the 401(k)”

“The ugly truth is that the

401(k) is a lousy idea,

a rotten repository for

our retirement reserves …”

“…The biggest factor in whether the 401(k) works as designed has

to do with when you retire. If the market rises that year, you're fine.

If you retired last year, you're toast.

If you retired last year, you're toast. And the chances of your

becoming a victim of this huge flaw in the 401(k) plan are pretty high.

The market fell in four of the nine years since the beginning of the

decade. That means anyone retiring this decade had a nearly 50%

chance of leaving work in a down market.

The market fell in four of the nine years since the beginning of the

decade. That means anyone retiring this decade had a nearly 50%

chance of leaving work in a down market. In fact, your chances of

retiring into a down market are even greater than that: forced

retirements spike in recessions just as the stock market is tanking.”

“Guaranteed accounts don't have to be run by the

government. The ERISA Industry Committee that

represents the nation's largest employers, has proposed

a system that would allow individuals the ability to buy

a guaranteed retirement account on their own. Some

government regulation would be needed, but it would be a

‘Private Plan’ .”

“But the policy would be portable. Contribute for 30 years

and you would be guaranteed income in retirement, no

matter how many employers you worked for.

Combine your retirement-insurance check with the

money you get from Social Security, which can equal as

much as 50% of final pay, and presto: you have something

approaching retirement security.”

Combine your retirement-insurance check with the

money you get from Social Security, which can equal as

much as 50% of final pay, and presto: you have something

approaching retirement security.” We need a NEW, Safer way to save for retirement because …

* 52% of workers (not including home equity) have savings less than $25,000.

* 75% have savings less than $10,000.

* 52% of workers (not including home equity) have savings less than $25,000.

* 75% have savings less than $10,000.

* 36% of those over 55 have saved less than …

$10,000!

Most Americans will be too poor to retire at 65!Nov. 1, 2009 / Center for Retirement Research at Boston College

51% are at high risk of falling short ofhaving enough money in retirement.

“The disappearance of pension plans, as well as troubles with the Social Security system, place younger Americans at a higher risk of being unable

to hold on to their standards of living during retirement. The cradle-to-the-

grave relationship with the employer is severed…

Younger people have to be responsible for their own retirement.”

“Retiring won’t become impossible, but it will require some thoughtful

planning. Many workers will need to save and invest more, reduce

debt and work longer to maintain their standard of living in retirement.”

Truth #2

Stock Investment Gains– for Investors –

are LOUSY!

"There are two times when aman shouldn't speculate:

when he can't afford it,and when he can."

Mark Twain

Morningstar &

Harvard Business School

BCT Study 4000 Mutual Funds

1996-2002

Investor ROI Net Fees = 2.924%

Bear Market Losses

November 29, 1968 to May 26, 1970 - 36.06%

January 11,1973 to October 3, 1974 - 48.20%

November 28, 1980 to August 12, 1982 - 27.11%

August 25, 1987 to December 4, 1987 - 33.54%

March 27, 2000 to July 18, 2002 - 42.29%

October 9, 2007 to March 9, 2009 - 56.77%

Bear Market Losses

November 29, 1968 to May 26, 1970 - 36.06%

March 27, 2000 to July 18, 2002 - 42.29%

October 9, 2007 to March 9, 2009 - 56.77%

The Market (since 1946) has an average loss of -33.21% EVERY 6 YEARS!

Bear Market Losses

November 29, 1968 to May 26, 1970 - 36.06%

March 27, 2000 to July 18, 2002 - 42.29%

October 9, 2007 to March 9, 2009 - 56.77%

The Market (since 1946) has an average loss of -33.21% EVERY 6 YEARS!

It Takes 22.5 months for the Index to Return to Prior High Value.

Is this Anxiety Roller Coaster how youwant to live 20 - 30 years of Retirement?

Wall Street Always Wins!

Even when you lose Wall Street always

wins with fees you ALWAYS pay –

when the market goes up –

AND when it goes down!

MorningstarManagement Fee [8-17-09]: Average domestic fee

is 1.39%.

International is 1.56%.

is 1.39%.

Transaction Fee [6-19-09]: This annual fee is 1.64%.

For Small Cap Fund it’s 2.80%.

is 1.39%.

“Vastly more important than expense ratios and no one’s talking about it.”

These are in ADDITION to Fund fees. You don’t control a fund’s transaction

costs. That’s determined in part by how often the fund manager trades the

securities in the fund’s portfolio, and how costly those trades are.

is 1.39%.

The Minimum Average TOTAL Actual Annual Fund Fees = 3.03%!

is 1.39%.

Investment NewsERISA Costs [10-15-09]:

“It's fair to say that in many cases the total ERISA(401k) drag is close to about 1% of plan assets.”

is 1.39%.

Investment NewsERISA Costs [10-15-09]:

“It's fair to say that in many cases the total ERISA(401k) drag is close to about 1% of plan assets.”

Summary: Many plans are in the range of 4% to 5% in TOTAL

yearly costs – the worst plans charge even more. After all the fees …

Is Your 401(k) more like a 201(k)?!

Putnam Investments

President and Chief Executive Officer Robert L. Reynoldscalls for a “ New Generation” of Workplace Savings Plans

with Lower Volatility and Lifetime Income SolutionsOctober 1, 2009

“After Market Meltdown, Better Plan DesignNeeded to Secure Reliable Lifetime Income”

“Index funds and other passive investments that track benchmarks

are guaranteed to lose value when the markets they track

Putnam Investments

President and Chief Executive Officer Robert L. Reynoldscalls for a “ New Generation” of Workplace Savings Plans

with Lower Volatility and Lifetime Income SolutionsOctober 1, 2009

“After Market Meltdown, Better Plan DesignNeeded to Secure Reliable Lifetime Income”

“Index funds and other passive investments that track benchmarks

are guaranteed to lose value when the markets they track

sink. People in or near retirement are not well served by too-great a

concentration of passive (index) investments, thinking they are a

protection against a downturn …”

“(Retirement) plans should be made much

more resistant to market downturns …

The next challenge in workplace savings

plans will be to offer guidelines, even

guardrails, to ensure that worker’s savings

are Protected as they reach retirement age.”

BECAUSE …

THE WALL STREET JOURNALOctober 15, 2009

The Lost Decade of Stock Investing

“Advisers sold us a bill of goodsabout the lasting value

of real estate and stocks.”

of real estate and stocks.” “If you invested $100 in the S&P 500 at the end of the last decade,

you're happy with Dow 10,000 but still hoping for a

34.5% rally before year end -- just to break even.

of real estate and stocks.” “If you invested $100 in the S&P 500 at the end of the last decade,

you're happy with Dow 10,000 but still hoping for a

34.5% rally before year end -- just to break even.

You'll need a staggering 72% rally when adjusting for inflation.”

“Quantitative Analysis of Investor Behavior”March 9, 2009

DALBAR Study Reveals Carnage forEquity, Bond and Asset Allocation Shareholders

The reality is that investors are not rational, and make

buy and sell decisions at the worst possible moments.

For the 20 years ended December 31, 2008, equity

and asset allocation fund investors had average

annual returns of 1.87% and 1.67%, respectively.

For the 20 years ended December 31, 2008, equity

and asset allocation fund investors had average

annual returns of 1.87% and 1.67%, respectively.

The inflation rate averaged 2.89% over that same time period.

What About the Future?

Market Watch – Wall Street Journal / 12-7-10

‘10 reasons to shun stocks till banks crash’

“Do not buy stocks. Not for retirement.Not in the coming decade. Don’t. Huge risks.”

“Wall Street is a loser. Stocks are Wall Street’s ultimate sucker bet. And it’ll sucker you again. You’ll lose, worse than in the last decade. Wake

up before Wall Street banks trigger the next meltdown, igniting mass bankruptcy.”

“Adjusted for inflation, Wall Street has lost 20% of your money in the past decade. Wall Street’s a loser. And, worse, Wall Street will do it again by 2020.”

“That’s right: It will lose another20% of your retirement money.”

With Retirement Savings,It’s a Sprint to the Finish

21 January 2011

“What would you do if your financialplanner prescribed the following advice?

‘Save and invest diligently for 30 years,then cross your fingers and pray your investments will double over the last

decade before you retire’.”

21 January 2011

“What would you do if your financialplanner prescribed the following advice?

‘Save and invest diligently for 30 years,then cross your fingers and pray your investments will double over the last

decade before you retire’.” “You might as well go to Las Vegas.”

21 January 2011

“The problem is that even if you do everything right and save at a respectable rate, you’re still relying on the market to push you to the finish line in the last decade before retirement. Why?

21 January 2011

“The problem is that even if you do everything right and save at a respectable rate, you’re still relying on the market to push you to the finish line in the last decade before retirement. Why?

Reaching your goal is highly dependent on the power of compounding.”

21 January 2011

“But if you’re dealt a bad set of returns during an extended period of time just before you retire or shortly thereafter, your plan could be thrown wildly off track. Many baby boomers know the feeling all too well, given the stock market’s weak showing during the last decade.”

21 January 2011

“The homestretch before retirement is often the most anxiety-inducing because workers have neither the time nor the financial capacity to recover before they begin taking withdrawals.”

“When the bad returns come in thefinal 10 years, no reasonable amountof savings will make up the shortfall.”

LOST DECADE

The Stock Market Roller Coaster of 2000 – 2009

left these years known as the “Lost Decade”..

After average costs $1 after 10 years

was worth 55 cents!

LOST DECADE

The Stock Market Roller Coaster of 2000 – 2009

left these years known as the “Lost Decade”..

After average costs $1 after 10 years

was worth 55 cents!.

The ROI was – 44.96%!

Albert Einstein

Insanity:

"Doing the same thing over and over

Albert Einstein

Insanity:

"Doing the same thing over and over and

expecting different results."

Truth #3

Taxes MUST go UP!

August 19,2009

Don't put any more money in yourtax-deferred retirement savings

August 19,2009

“This is heresy in a world where people hate taxes … (but) things

have changed in the past year … The old thinking was that you

should defer tax bills until ‘you are in a lower bracket at retirement’.

August 19,2009

Higher bracket is more like it.

August 19,2009

Higher bracket is more like it. If you are 45 and prosperous, plan on big federal deficits

and higher income taxes when you retire in 2031.

August 19,2009

You might be better off skipping the 401(k).

August 19,2009

You might be better off skipping the 401(k).

Maybe you should pay tax on your salary now!”

2011 Deficit $1.5 Trillion

That's 10% GDP / largest since WWII

Total National Debt = $14 Trillion

Total with SS & Medicare = 70% GDP

With SS, Prescription and Medicare= $60 Trillion+ (to 2084)

That = $500,000 Each!

RECENT High TAX RATES

1944-45 94%1958-64 91%1965-81 70%1982-86 50%

Current 35%

1944-45 94%1958-64 91%1965-81 70%1982-86 50%

Current 35%

The last time taxes were this low was 1931! (pre Increasing National Debt Era since 1980)

1944-45 94%1958-64 91%1965-81 70%1982-86 50%

Current 35%

The last time taxes were this low was 1931! (pre Increasing National Debt Era since 1980)

The last time the “low” rate was today's10% was 1941 – 70 years ago!

Future Taxes Make 401(k) Less Advantageous

November 6, 2009

Since 401(k)s were created in the early 1980s, the general assumption was that a saver would pay lower taxes in retirement, when their income was

certain to be lower. So saving pretax dollars and delaying taxes made sense.

November 6, 2009

Now, particularly for higher earners with the largest 401(k) balances,that assumption is fading as hikes in tax rates seem likely.

November 6, 2009

(Another) problem high earners may face by saving only in a pretax 401(k)

is that, years later, large withdrawals could trigger the tax on Social Security.

November 6, 2009

(Another) problem high earners may face by saving only in a pretax 401(k)

is that, years later, large withdrawals could trigger the tax on Social Security.

(Not deferring taxes) is a good choice for higher earners whose incomeisn't likely to fall in retirement and for young investors, who will likely

see their salaries and taxes increase.

/ 22 October 2008

"It's Time for Young Voters to Get Mad!"

To Voters under 35:

"You have a heavily mortgaged future.

You'll pay for Social Security andMedicare for aging baby boomers ...

/ 22 October 2008

"It's Time for Young Voters to Get Mad!"

To Voters under 35:

"You have a heavily mortgaged future.

You'll pay for Social Security andMedicare for aging baby boomers ...the needed federal tax increase might total 50% over the next 25

years."

Truth #4

Social Security is NOT Secure!

Social Security is going BROKE!

- 65% Rely on SS for 50% of their income!

- Accounts for 1/3 of discretionary income for couples earning over $500,000 year!

- 1 in 7 Americans receive a check from SS!

- # Workers per Retiree: 1960 = 5 2009 = 3.3 2020 = 2!

2010: SS Outlays exceed Revenues!

The likely solution

say most expertsis MORE Taxes!

2011: - Average Benefit check is $1,177 month!

The likely solution

- Up to 85% of Benefits are Taxed!

The likely solution

2030: Medicare Trust Fund

is Broke! The likely solution

2030: Medicare Trust Fund

is Broke!

2037: Social Security Trust Fund is Broke!

The likely solution

But What Else is Left?

What Possible Investment is There?!

"The Difficulty liesnot in the new ideas,

but in escapingfrom the old ones."

John Maynard Keynes20th Century Economist

"The General Theory of Employment, Interest and Money"

“The solution: a new type of ‘insurance’.

Retirement savings, it turns out, are exactly

the type of asset we need insurance for.

“The solution: a new type of ‘insurance’.

Retirement savings, it turns out, are exactly

the type of asset we need insurance for.

We need insurance to protect against risks we

can't predict (when the market collapses)

and can't afford to recover from on our own.”

Fortunately,

there IS a

“NEW” Solution!

With all these benefits, today it is called …

"The 'NEW' Asset Class Investment"

March 26, 2008

"This is a safe bet, long terminvestment with high interest,almost no volatility and liquid.

With all these benefits, today it is called …

"The 'NEW' Asset Class Investment"

March 26, 2008

"This is a safe bet, long terminvestment with high interest,almost no volatility and liquid.You do not have to die to enjoy

these returns (and) it canwork like a Roth ...

“It’s dramatic advantage is that

you pay no tax on the gains

ever, and you can spend them

while you are alive tax free.”

WHAT IS IT?!

Permanent Life Insurance

For Retirement Savings

it’s often called a

“Private Plan”

For Retirement Savings

it’s often called a

“Private Plan”

It IS Approved by Congressand Regulated by the IRS

with IRC 7702(a)

"It ain't what you don't knowthat gets you into trouble.

It's what you know for sure

that just ain't so."

Mark Twain

April 2009

Myth. Life Insurance is not a good investment.

April 2009

“This canard spread as 401(k)s and IRA's supplantedLife Insurance as Americans' most popular ways to buildSavings while deferring taxes. But two factors point toa revival of Life insurance as an investment:

April 2009

One is guaranteed credits on cash values,which means if you pay the premiums, you

cannot lose money unless the company fails.(The other is if you are over 65, you can

often sell it for several times its cash value)!”

April 2009

One is guaranteed credits on cash values,which means if you pay the premiums, you

cannot lose money unless the company fails.(The other is if you are over 65, you can

often sell it for several times its cash value)!”

TRUTH: “A good investment is one in which you put moneyaway now and have more later. Checked your 401(k) lately?”

BUT this is NOT your

Grandparents Life Insurance!

Returns can beLINKED

to the S&P 500(or other index)

You areNOT

IN thestock market!

You areNOT

IN thestock market!

This means you

KEEPALL

Annualgains!

Your Principaland GainsCANNOT

go down in valuebecause of

the market --

they can only go

Juicing Your Life Insurance5 June 2010

This year's hottest life-insurance product is well-suited to an era of sudden "flash crashes" and overall uncertainty: It appeals to people eager to capture stock-market gains while avoiding undue risk. The product (is) "indexed universal life”.

The twist in these new policies is the use of a stock-market index to help determine the interest rate for the cash-value account. In many versions, insurers link to the Standard & Poor's 500-stock index, but cap the annual interest rate …

The twist in these new policies is the use of a stock-market index to help determine the interest rate for the cash-value account. In many versions, insurers link to the Standard & Poor's 500-stock index, but cap the annual interest rate … For downside protection, some policies promise a minimum interest rate of as much as 2%, even in losing years for stocks, while others simply protect against losses.

The product "resonates with people" says the chief actuary (for one co.).

“It has a guarantee sopeople can sleep at night,

and it has upside potential”.

For Retirement Savings…

ZERO IS HERO!

How well can this 'solution' work?

Hypothetical Past 20 years to 12/31/10

(Age 40 to 59)

Based on ACTUAL S&P 500 Index gains using

Current Crediting Formula & Expenses

(including zero gain years)7 – 8% NET per year!

This is

Indexed Life!

THE Retirement SavingsInvestment for the Future!

Thanks to IRS IRC: 7702(a)

Indexed Universal Life (IUL)is the ONLY Investment approved by Congressand the IRS to provide

you ALL of theseBenefits and Features ...

TAX FREE Income!

TAX FREE to Heirs!

Putnam Investment Retirement Survey 2005

“A majority of retirees said theirBIGGEST MISTAKE

in planning for Retirementwas failing to invest in TAX FREE Accounts.”

Putnam Investment Retirement Survey 2005

“A majority of retirees said theirBIGGEST MISTAKE

in planning for Retirementwas failing to invest in TAX FREE Accounts.”

With Indexed Life …

... it's OTHER dramatic advantage is that you payNO tax on the gains ever –

Your Retirement Incomeis Tax Free!

7 - 8% IUL NET 1991-2010 vs.

DALBAR Report 20 Year Investor Behavior to 20104-1-11

7 - 8% IUL NET 1991-2010 vs.

"Market" S&P 500 = 9.14% gross

7 - 8% IUL NET 1991-2010 vs.

NET Investor ROI = 3.83% ACTUAL!

7 - 8% IUL NET 1991-2010 vs.

NET Investor ROI = 3.83% ACTUAL!

RESULT: 20 Year IUL Net > Market!

Indexed Life also does NOT have the Restrictive

Qualified Plan Contribution, Access and Loan Rules!

403b/457/401k IUL

Contribution Limit $16,500 NONE

403b/457/401k IUL

Pre 59.5 Penalty 10% Federal NONE Plus State

403b/457/401k IUL

Mandatory Distribution 70.5 NONE

403b/457/401k IUL

Mandatory Distribution 70.5 NONE

Accelerated Terminal no to $1 million Illness Advance

Plan LOAN 403b/457/401k IUL

Amount 50% to $50k NO Limit

Loan Repayment mandatory Optional

Quit/Fired/Co. 'broke' 90 days N/A repay in full

Quit/Fired/Co. 'broke' 90 days N/A repay in full Late with payment 30 day grace N/A or ALL Taxable

Indexed Life also includes:

Lifetime Life Insurance(may guarantee Retirement Plancompletion for Survivor Spouse)

The Life Insurance can also be used for

PENSION MAXto Increase Your Pension Income

$hundreds or $thousands per month!

Popular for Teacher & Government Pension Plans:

STRS [State Teachers Retirement System]

PERS [Public Employees Retirement System]

Accelerated “Living” Benefit

With 1 or 2 year terminal diagnosis

up to $1 million Advance Benefit!

Accelerated “Living” Benefit

With 1 or 2 year terminal diagnosis

up to $1 million Advance Benefit!

Money can be used for ANY purpose -

including treatment that couldSAVE YOUR LIFE!

With Indexed LifeYou can also …

Be Your OWN

Banker!(Great Financial

Strategy for those in their 20's &

30's!)

You can use your savings to finance your life while

on your journey to retirement!

AND Finance Your Retirement TOOWhile You D0!

Age 40Save $1,000 Month

to Age 65

Age 65 Cash Value

= $857,000

Age 65 Cash Value

= $857,000

Tax Free Retirement Income = $50,000

Age 65 Cash Value

= $857,000

Age 85 Cash Value = $2,229,000!

Age 65 Cash Value

= $857,000

Age 85 Cash Value = $2,229,000!

(Or giveYourselfa Raise!)

The BEST COLLEGE SAVINGS Plan!

* Can take out “Tuition” Tax/Penalty Free!

* NOT included in college aid formulas!

* CV Remains the Parents Savings!

* Balance can continue to grow to provide

Tax FREE Retirement Income!

* Balance can continue to grow to provide

Tax FREE Retirement Income!

* Life Insurance on Parent to guarantee College paid for if premature death.

Or You Can Keep “Saving” in Mutual Funds!

BONUS!The Tax Free Income from Indexed Life

(unlike Municipal Bondsand Qualified Savings

withdrawals)

is NOT included inthe formula to taxup to 85% of yourSocial Security!

withdrawals)

is NOT included inthe formula to taxup to 85% of yourSocial Security!

An IUL plan may be the

easiest, 'cheapest' and BEST

way to Save for

Retirement AND Avoid this Tax!

November 2007

BEST ALL-AROUNDRETIREMENT ACCOUNT

is the Roth IRA:

“There's no up-front tax break [IUL], but decades of tax-free growth [IUL],

plus tax-free income in retirement [IUL].”

November 2007

BEST ALL-AROUNDRETIREMENT ACCOUNT

is the Roth IRA:

“There's no up-front tax break [IUL], but decades of tax-free growth [IUL],

plus tax-free income in retirement [IUL].”

Why Stop There?! Even BETTER is ...

An IUL "SUPER ROTH"!

Unlike a Roth ...

* NO Contribution Limits.

Unlike a Roth ...

* NO Income Restrictions.

Unlike a Roth ...

* Includes Hundreds of Thousands $'s (or more) in Life Insurance from Day 1

[NOT Allowed in Roth! Use it to Pension Max!]

Unlike a Roth ...

* Includes Hundreds of Thousands $'s (or more) in Life Insurance from Day 1

[NOT Allowed in Roth! Use it to Pension Max!]

* NO IRS or State Penalties for pre 59.5 access to gains.

* NO 5 Year wait for Tax Free Access!

* Loans Allowed (payments not required!)

Can USE the savings to ...

* Be Your "Own Banker"!

* Children (or Grandchildren's) College Fund!

* Tax Benefits Grandfathered ... so NO Tax Change Risk!

* NO MARKET RISK – You KEEP the Gains!

Roth OR IUL "Super Roth"? IUL!

In case you were wondering,many of the companies who

offer IUL are among the oldest

(over 100 to 150 years old),most stable, best rated,

ANDlargest financial servicescompanies in the world!

In case you were wondering,many of the companies who

offer IUL are among the oldest

(over 100 to 150 years old),most stable, best rated,

ANDlargest financial servicescompanies in the world!

[Checks from Ins. Co.’s are a major reason

why many survived the Great Depression!]

FINAL TRUTH

Indexed Life may be YOUR

LAST Chance Retirement!

NET CASH VALUE – Saving Stage[NET Fees, Pre 59.5 Penalties and Taxes]

Age 45 PNT / Save $1,000 mo. for 20 years[Average Past 25, Thirty Year Periods (since 1953)]

Year Qualified IUL 5 60,918 57,747

6 74,989 74,913 10 138,667

164,919 15 271,882 324,799

20 416,619 569,405

NET Retirement - Income StageStarting Age 66 / 35% MTR (pre/post retirement)

Year Qualified IUL (66) 21 54,000 54,000 NET

25 54,000 54,000

NET Retirement - Income StageStarting Age 66 / 35% MTR (pre/post retirement)

Year Qualified IUL (66) 21 54,000 54,000 NET

25 54,000 54,000 30 BROKE! 54,000 40 0 54,000 45 0 54,000 50 0 54,000 (100) 55 0 54,000

NET Cash Value and IRR

Year Qualified IRR IUL IRR

20 416,619 5.00% 569,405 7.66% 25 177,518 4.44% 547,239 8.13% 30 BROKE! 0% 551,109 8.48% 35 0 0% 609,981 8.79% 40 0 0% 759,719 9.03% 45 0 0% 1,053,434 9.21% 50 0 0% 1,645,896 9.37% 55 0 0% 2,909,552 9.54%

10 Year S&P 500 IUL Gains NO Cap 16% Cap (per year) Actual 100% PR* 1983 5.06% 7.45% 1982 1.40% 5.97% 1981 2.86% 6.59% 1980 3.87% 7.17% 1979 1.34% 6.10%

Past 5 Yrs 2.91% 6.65%

1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974 - 0.31% 5.17%

Past 10 Yrs 1.86% 6.20%

* Participation Rate

What IF the Stock Market / S&P “Tanks” for Years in a Row?

Past 5 Yrs 2.91% 6.65%

1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974 - 0.31% 5.17%

Past 10 Yrs 1.86% 6.20%

The average 10 year gain of the S&P

in an IUL the past 65 years is 9.05%.

[18% historical average cap]

Past 5 Yrs 2.91% 6.65%

1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974 - 0.31% 5.17%

Past 10 Yrs 1.86% 6.20%

The worst stretch during that time was 1974 to 1983 when the S&P

10 year gains averaged 1.86% per yr.

Past 5 Yrs 2.91% 6.65%

1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974 - 0.31% 5.17%

Past 10 Yrs 1.86% 6.20%

But at an average (low) cap of 16%IUL would of averaged 6.20% per year – a gain that is 233% MORE!

Past 5 Yrs 2.91% 6.65%

1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974 - 0.31% 5.17%

Past 10 Yrs 1.86% 6.20%

This is because IUL KEEPSits prior annual gains so when

the market goes up again itBUILDS on those gains

instead of having to recover 1st!

Past 5 Yrs 2.91% 6.65%

1978 0.11% 5.40% 1977 0.87% 5.82% 1976 2.90% 6.84% 1975 0.48% 5.52% 1974 - 0.31% 5.17%

Past 10 Yrs 1.86% 6.20%

This is because IUL KEEPSits prior annual gains so when

the market goes up again itBUILDS on those gains

instead of having to recover 1st!

Indexed Life =Retirement Security!

Indexed Life – KEEP the GAINS!

Retirement: Secure Pension = Better Sleep November 2, 2009

Study of 14,714 participants over 16 years found a sharp decrease in sleep disturbances in financially secure retirees.

“Where there is no proper pension level to guarantee

financial security beyond working age, retirement may

be followed by severe stress disturbing sleep even

more than before retirement.”

Qualified Plans(403b/401k/457/IRA/SEP/Roth)

- Market Risk

- Future Tax Increases

- Market Risk

- Taxes on Social Security

- Market Risk

- Taxes on Social Security

= Sinking / Broke Retirement!

Indexed Life =

Retirement Peace of Mind!

Indexed Life =

* Eliminate ALL Future ... - Increased Tax Rate Risk! - Stock Roller Coaster Anxiety!

Indexed Life =

* Feel confident about earning - and KEEPING – most Future Market Gains!

Indexed Life =

* Feel confident about earning - and KEEPING – most Future Market Gains!

* Enjoy Steady, Tax Free Income!

This is the "tip of the iceberg" aboutthe MANY Indexed Life Benefits!

"Twenty years from nowyou will be more

disappointed by thethings you didn't do thanby the ones you did do."

Mark Twain

Indexed Life Private PlanIs it Right for You?

If you are saving in a 401k, 403b, 457,SEP, Roth or IRA the answer is likely

Indexed Life Private PlanIs it Right for You?

If you are saving in a 401k, 403b, 457,SEP, Roth or IRA the answer is likely

YES!Let us help you answer that question and show you the difference in Pre

Retirement and Retirement Benefits and Income!

Many Retirees Cannot Meet Basic Needs!

Brandeis University Study / February 2009

"78% of retiring Americans may not

be able to meet basic expenses forthe remainder of their lives, ...

be able to meet basic expenses forthe remainder of their lives, ... ...today 1/3 have no money left over

after meeting essential expenses,...

be able to meet basic expenses forthe remainder of their lives, ...

and younger people may be facing

an even bleaker financial futurefor their retirement years.”

...today 1/3 have no money left over after meeting essential expenses,...

YOU HAVE A CHOICE!DON'T Become a Casualty

of the Looming BoomerRetirement (& TAX)

Catastrophe!

It IS time to Save aSMARTER, BETTER Way!

Catastrophe!

It IS time to Save aSMARTER, BETTER Way!

TAX FREE Indexed Life!

"Even if you're onthe right track,

You'll get run over ifyou just sit there."

Will Rogers

The Time is NOW toSave a BETTER Way!

Jerry Stonehouse781 749 3019

jstonehous@earthlink.netHingham MA

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