bankers table presentation
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Bankers Table Power pointTRANSCRIPT
BANKING STRATEGIESPRESENTATION
Providing Full Circle Financial Solutions
Social Security (insecurity)
Pensions
Debt
Personal Savings
College Funding
Retirement
Employment
Facing The Challenges of a Changing World
40
60
80
100
Wealthy WorkingSecure Passed Away Broke
20
1% will RETIRE VERY WEALTHY
1%
36%
4%5%
54%
Statistics Show Americans At Age 65
What can you do differently to ensure you won’t end up in the majority?
Even in Good Times These Issues Have Plagued America
Where does your money actually go?
Adapted from study done by North Dakota State University
Total DebtInc. Mtg34%
Taxes33%
Living Expenses 30%
Savings/Investments3%
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!
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
1. Cash
2. Treasury Bills
3. Precious Metals
4. Whole Life Insurance (BOLI)
Tier One Assets (Core Reserves)
Do What The Banks Do
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 Flowand Banking Strategies
$5k
$1m
$1.5m
$2m
25 yrs 45 yrs 65 yrs
Inco
me
Years/Age
Your Lifetime Earning Potential
$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 paidto the banks and financial institutions.
What Are You Really Earning?
4 PILLARSOf Financial Freedom
Banker’s Optimal System of Security
75% said becoming and staying debt free
is the #1 key to building wealth.
The Forbes 400 were asked in a recent survey,
What is the most important key to building wealth?
Debt Elimination
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.
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 PayoffInterest CancellationUtilizes Stagnant MoneyInterest FloatOptimizes the Use of Your IncomeOngoing Coaching and Education Support
Debt Elimination
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 lifestyleResults 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.
YearPrincipal Paid
Interest Paid
Total Paid
1 $6,699.27 $14,199.45 $20,898.72 2 $13,903.30 $27,894.14 $41,797.44 3 $21,650.99 $41,045.17 $62,696.16 4 $29,984.35 $53,610.53 $83,594.88 5 $38,948.74 $65,544.88 $104,493.62 6 $42,282.13 $77,027.29 $119,309.42 7 $45,824.60 $88,300.62 $134,125.22 8 $49,589.88 $99,351.14 $148,941.02 9 $53,592.69 $110,164.13 $163,756.82 10 $57,848.88 $120,723.74 $178,572.62 11 $62,375.63 $131,012.79 $193,388.42 12 $67,191.49 $141,012.73 $208,204.22 13 $72,316.57 $150,703.45 $223,020.02 14 $77,772.75 $160,063.07 $237,835.82 15 $83,583.97 $169,067.65 $252,651.62 16 $89,776.35 $177,691.07 $267,467.42 17 $96,378.71 $185,904.51 $282,283.22 18 $103,422.79 $193,676.23 $297,099.02 19 $110,943.80 $200,971.02 $311,914.82 20 $118,992.34 $207,749.57 $326,741.91 21 $127,122.24 $214,008.87 $341,131.11 22 $135,753.57 $219,766.74 $355,520.31 23 $144,917.27 $224,992.24 $369,909.51 24 $154,646.17 $229,652.54 $384,298.71 25 $164,975.11 $233,712.80 $398,687.91 26 $175,941.13 $237,135.98 $413,077.11 27 $187,583.51 $239,882.80 $427,466.31 28 $199,943.97 $241,911.54 $441,855.51 29 $213,066.78 $243,177.93 $456,244.71 30 $227,000.00 $243,634.94 $470,634.94
YearPrincipal Paid
Interest Paid
Total Paid
1 $13,542.84 $13,947.87 $27,490.712 $28,176.18 $26,730.17 $54,906.35 3 $41,191.46 $38,381.22 $79,572.68 4 $57,950.28 $49,041.52 $106,991.80 5 $75,743.21 $58,668.16 $134,411.37 6 $94,633.57 $67,197.37 $161,830.94 7 $114,689.05 $74,561.46 $189,250.51 8 $135,981.54 $80,688.57 $216,670.11 9 $158,587.27 $85,502.41 $244,089.68 10 $182,587.29 $88,921.96 $271,509.25 11 $208,067.57 $90,861.25 $298,928.82 12 $227,000.00 $91,286.88 $318,286.88
Interest Saved 152,348.06
Years to Payoff 11.7
Time Savings 18.4
Current Debt Schedule Debt Acceleration Schedule
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.
The Money Merge Account® Program helps you manage your cash flow with optimal efficiency.
How The Money Merge Account® Program Works For You
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.
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.
Wealth Building
Becoming Your Own Bank
Traditional Banking
Finance $25,000 every 4 years,costing $29,222 in payments & interest!
Auto loan
Payments & Interest
Becoming Your Own Bank
Auto loan
Payments & Interest
Pay into policy
Finance $25,000 every 4 years,re‐capturing $29,222 in payments & interest!
Our Strategy
‐$400,000
‐$200,000
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
Lease 10 vehicles Finance Cash Savings Account BOSS
Banking Concepts
Loss
Option #1Lease 10 Vehicles
(‐$252,500)
Option #2Finance
(‐$202,222)
Option #3Cash
$40,000
Option #5BOSS
$787,738
Gain
Growth Over 40 Years
Loss Over 40 Years
Option #4Savings$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
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.
Personal Bank:Flexible Retirement Account
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
Your Money Flow
Banking Systems
Banking Strategies
Road To Financial Freedom
Get with your UFirst Alliance advisor for a free no obligation analysis
Begin Your Road to Financial Freedom Today!