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TheAmericanBlueprintforaMillionDollarRetirementWeliveacountrywhere75%ofthepopulationearns$75,000peryearorless,yetthefinancialprofessionalsareencouragedtotargetthosewhoearnupwardsof$100,000peryearormore.ThisistheminoritynotthemajorityofAmericans.The75%arethefolksthatneedfinancialadvicethemost,yettheyaretheforgottensector.Thissectorreliesmostlyonadvicefromfriends,family,theHRpersonalatwork,orthefinancialentertainerstheyhearandseeontheradioortelevision.Thisistheclassoffolksprofessionalmoneymanagersandfinancialplannersprettymuchavoid.Therearenotenoughassetstomakeitworththeirwhiletoworkwithinthissegmentofthemarket.However,thisisthesectoronwhichIbuiltmypracticeoverthelastfourteenyears.Ipreferthissector,andthoseI’veservedwithinthisgrouparehighlyappreciativeofthefinancialstrategiesthey’velearned.Iwouldrecommendanewagentoradvisorworkwithinthissectorstartingout.Itwillmakeyouabetteradvisorbecauseyoulearnhowtotalktopeopleabouttheirassetsusingasimpleformulathattheycanunderstand.Theassetsthatbelongtothesefolksthatfallwithinthe75thpercentilenormallyarecomprisedofthefollowing:

o Theirprimaryresidence,ortheirhomeo Theirretirementaccount,a401(k),403(b),orIRAo Theiremergencyfund,usuallyanon-qualifiedsavingsorcheckingaccounto Atermlifeinsurancecontractorasmallpermanentlifeinsurancepolicy

Thatisall;thatiswhattheyhavetoworkwith,andformostofthemtheyhaveverylittlehopeofattainingwhatwouldbeclassifiedasfinancialindependenceduringretirement(beingabletoaffordyoureverydaylifestylewithouteverworryingaboutmoney).Ihavebeensuccessfulteachingthefolksinthissectorhowtomaximizetheirassets.I’vealwayshadonegoalinmind:toincreasetheirnetworthbyoveramilliondollarsintheirearningyearstobenefitthemselvesintheirretirementyears.ThePeakProsperityMarketingGroupProprietaryOne-on-OneCalculatorMostpeopledon’tbelievetheycanincreasetheirnetworthbyamilliondollarsinretirementjustbymanagingdifferentlytheassetstheyalreadyhave.Youhavetoshowthemhowtodoit.Icreatedasoftwareprogramspecificallyforthepurposeofworkingwithinthisgroupofpeople.It’scalledtheOne-on-OneCalculator,proprietarytoPeakProsperityMarketingGroupagentsanditsaffiliates.Withthisprogram,itissimpletodesignthesecases,buildtheillustrations,andproposeyourrecommendations.IwillusethisprogramtosharewithyouhowIprovideoptionsandhopetoMiddleAmericanfamilies.Intheprocess,I’msureyouwillseethepossibilitiesofcreatingfinancialindependenceforyourselfaswell.Hereisahypotheticalsetofspecificationsaboutthistypicalfamilythatfallswithinthissegment,gatheredfromyearsofexperienceworkingwiththem:

o Married45-year-oldcoupleo Bothhavejobswithacombinedincomeof$75,000o Theirhomeisworth$325,000,anditwasrefinancedthisyearwitha15-yearmortgage(Theymayhave

a30-yearmortgage,butforthesakeoftheillustration,Iwillusea15-year).o Thenewmortgageisfor$250,000,andtheyaspiretopaythehouseoffbytheir60thbirthdayo Theirmonthlypaymentis$1,750

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o Thehusbandhasa401(k)hefundswith$5,000peryear;theemployermatches$2,500o Thehusbandhasa$250ktermlifeinsurancepolicyonhimselfo Theyhavesaved$30,000inasavingsaccount;theyfunditwith$2,000peryear.

NowletmeshowyouhowthisMiddleAmericanfamilycanmaximizethesemodestassetsthey’veworkedsohardtoacquire.TheMortgageMoneyMoveLet’sstartwiththehouse.Mostpeoplebelieveiftheypayofftheirhouseduringtheirearningyears,theywillnothavetobeworriedaboutmakingamortgagepaymentduringtheirretirementyears.Thisisagoodplanonpaperorintheirhead,butitrarelyisthebestwayfortheaverageAmericanhouseholdtomanagetheirprimaryresidence.ThetwofinancialrulesIteachmyclientstofollowwhenmakingfinancialdecisionsis#1–AlwaysprotectyourCapital#2–ManageyourcashflowThisfirstillustrationshowsthedifferenceincashflowbetweenthecurrentmortgagepaymentusinga15-yearmortgageversusthepaymentona30-yearmortgage.Thedifferenceinthecashflowis$7,413peryear:ILLUSTRATION#1

Byopeningupmorecash,youhavefollowedrule#2.Thefamilyhasmorecashpermonthtoworkwith.Butyoucanalsousethismortgagemovetofollowrule#1:alwaysprotectyourcapital.Byextendingthemortgageto30yearsinsteadof15,thefamilyreducestheannualamountofprincipalpaymentsgoingintoapieceofrealestate.Thisextramoney(the$7,413peryeardifference)canbeplacedintoanalternativeaccountlikeanIndexUL.AnIULprotects

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thecapital(thussatisfyingrule#1).AnIULalsohastheaddedbonusofcreatingarate-of-returnonthecapitalunlikeequityinsideofahome,whichdoesnotearnarate-of-return.Thisisjustoneofseveraldifferentwaystooptimizethiscouple’srealestate.Ifthecouplealreadyisina30-yearmortgage,theycanmoveintoaninterest-onlymortgage,forexample,andaccomplishsimilarresults.TheQualifiedPlanMoneyMoveLet’slookatthe401(k).Thehusbandissaving$5,000peryearinhis401(k);$2,500ofthe$5,000ismatcheddollar-for-dollarbyhisemployer;theother$2,500isnotmatched.Lastly,thecoupleissaving$2,000peryearinanemergencyfundthathasabalanceof$30,000.IntheOne-on-Onecalculatorconsultationsoftware,Iamabletolookattheclient’scurrentfinancialpictureandprojectwhatthefuturewouldlooklikeiftheykeepdoingwhattheyaredoing.Inthiscouple’scase,iftheyretiredat65andwantedtomaintainthesamelifestyleinretirementthattheyenjoytoday,theywouldexhausttheirfuturesavingsinyear29atthehusband’s74thbirthday.Here’showthatlooks:ILLUSTRATION#1

ThisisveryrealtoMiddleAmerica.AccordingtoaBankRatesurvey,peopleheadingintoretirementfearrunningoutofmoneyonlyslightlylessthantheyfearhighmedicalcosts.iThisnextillustrationisascreenshotofhowmuchthisfamilycouldhaveannuallytofundanIndexUL.Taketheincreasedcashflowfromthe30-yearmortgagepaymentandputtheannual$7,413insavingsawayforthenext20years.Stopsavingtheadditional$2,500inthe401(k)thatisnotmatchedbytheemployer,andputthatintheIUL.Thenstopsavingthe$2,000peryearinabank’staxableaccountthatisearningverylittleinterestandputthiswiththerestofthemoneyintheIUL.

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Youcanseethisscreenbringsallthesourcesoffunds($11,388peryear)toasinglepagetohelpclientsbetterunderstandwheretheannualpremiumsarecomingfrom:ILLUSTRATION#2

NextisascreenshotoftheIULbeingfundedfromtheclient’ssourceoffundseachyearuntiltheyarescheduledtoretireatage67.Keepinmind,wehavenotchangedtheclient’scashflowatalltofundthiscontractfor21years:

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ILLUSTRATION#3

ThislastillustrationistheconsolidationpageontheOne-on-Onecalculatorthatbringsitalltogether.Ontheleftisasnapshotoftheclient’scurrentfinancialplanandwhenitrunsout.OntherightsideofthepageisthenewplanusingtheIULtosupplementtheclient’sretirementincomeaftertheydissipatetheirlifesavings.PleasenoticetheIULsupplementalincomeisincreasingeachyear.Iusedaninflationrateof2%tobumpuptheannualincomeeachyear:

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ILLUSTRATION#4

BysimplymovingsomefundsaroundtomaxfundanIndexULcontractforthisfamily,Iwasabletodoublethedeathbenefittheyhaveonthehusband,createacashreserveaccountthatisliquidandcanbeusedwhenneeded,andisprotectedfromcreditors.Thereisnofuturetaxriskandnomarketrisk.Thepolicyallowstheclienttobecomefinanciallyindependentduringtheirretirementyears,becausethisstrategyhasaddedanadditional$1milliondollarstotheirincomestreamduringtheirretirementyears.Ontopofalltheselivingbenefits,italsocreatesalegacyforthenextgenerationof$850,000atlifeexpectancy.ThinkabouthowmanyfamiliesyoucouldhelpbyanalyzingtheirfinancialsasIjustillustrated,restructurehowtheyarecurrentlymanagingthosefewassets,andincreasetheirnetworthbyatleastamilliondollarsbyretirement.Icanassureyou,thereareseveralhundredmillionpeoplethatneedyoutodojustthatinAmerica.Theproblemisthereisn’tenoughagentsoradvisorstoservesthislargemarket.Thegoodnewsisthereareonlyaveryfewthatevencaretoworkinthissectorofthemarket,soyoubasicallyhaveitalltoyourself!Remember,becauseyouhavereceivedthiswhitepaper,youhaveoptedintooursystem.PeakProsperityMarketingGrouporoneofouraffiliateFMOswillbecontactingyoushortly.ByworkingwiththePeakProsperityMarketingGroup,youwilllearnhowtomaximizethebenefitsofIULandservethisincrediblylargemarketeffectively.YouwillhaveaccesstothetoolsspecificallycreatedtouseIndexUniversalLifeproductstodesignthesetypesofcases.Mygoalistohaveanationalteamtogooutandhelpasmanyofthesefamiliesaswepossiblycan.Bydoingso,youcanchangeyourfinancialfutureforever.RememberwhatZigZiglersaid,“Youcangeteverythinginlifeyouwantifyouwilljusthelpenoughpeoplegetwhattheywant.”

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P.S.Ifyouhavereceivedthisreportfromanotheragent,pleaseoptintoourcontactsystemthroughwww.7TrillionMarket.com.FormoreinformationaboutPeakProsperityMarketingGroup,visitourwebsiteathttp://ppmg3.com/.

iShevnaSteiner.“Americansrackedbyretirementfears.”http://www.bankrate.com/finance/retirement/survey-americans-racked-by-retirement-fears.aspx