1

FIA is a One-Stop Financial Center, helping people take charge of their family’s future.

2

FIA helps bring Equity Indexed Products to middle America by helping clients make money when the stock market is up, never losing money when the market is down and accessing their money tax free at retirement. FIA offers a variety of insurance products such as indexed life, indexed annuities, term insurance and more.

One-Stop Financial Center

3

The Great Consumer Dilemma

3

Tracking 100 Americans from age 25 to 65 …

36 will be dead…54 will be DEAD BROKE…5 will still be working…

4 will be financially secure and

1 will be Financially Independent

Where does your money go?

The Facts Of Life

Insurance

Savings/ Investments

Living Expenses

Consumer Debt 21% Mortgage 21%

Taxes 28%

What did the 5 financially successful Americans do differently?

44

The 4 Cornerstones of FinanceThe 4 Cornerstones of Finance

Age 2%Money Doubles Every 36 Years

29 $100,000

65 $200,000

* These hypothetical examples are for illustrative purposes only and do not represent any particular investment vehicle.

The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of return.

The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty.

The Rule of 72

Divide 72 by the interest rate to estimate the number of years it takes for your money to double.

Age 8%Money Doubles Every 9 Years

29 $100,000

38 $200,000

47 $400,000

56 $800,000

65 $1,600,000

Age 10%Money Doubles Every 7.2 Years

29 $100,000

36.2 $200,000

43.4 $400,000

50.6 $800,000

57.8 $1,600,000

65 $3,200,000

The person with the most “doubles” wins.

Average 401k Active Money ManagementIndexed Products

* Average 401k taken from the book “The Great 401(k) Hoax” by William Wolman

5

Albert Einstein's 9th Wonder: Compound Interest

The Cost of Waiting to Invest

Years until Retirement

$29840

35 $448

30 $682

25 $1,056

20 $1,687

15 $2,843

10 $5,330

5 $13,160

Monthly Savings

Procrastination – The high cost of waitingTime can be your greatest ally or your greatest enemy. The key is to get

started now. Below are monthly savings amounts needed to achieve $1,000,000 at retirement, assuming a tax-deferred 8% interest rate.

Make time your greatest ally. Get started today.

How Taxes Affect Investments

7

Tax

Deferred

Accumulation

Tax

Free

Distribution

Tax

Deductible

Contribution

Which would you choose?

You can only get two of the three!

Maximize Your Tax Advantages

Farmer who didn’t think.

What is the Perfect Account?

-Good Returns

-Compound interest – Rule 72

-Safety

- Tax free growth

-Tax free income

-Access/Liquidity

The Great Consumer Dilemma

99

14 15 16

1

4 5

6 7

8 9 10

11 12 13

2 3

Rate of Return Test?

Which investments

Do not pass the: Liquidity Test?

Safety Test?

1. Commodities2. Business Ventures3. Limited Partnerships4. Raw Land5. Speculative Common

Stocks6. Lower Quality Bonds7. Investment Real Estate8. Blue Chip Stocks9. High Yield Bonds10.Mutual Funds11.CD’s12.Investment Grade

Insurance13.Money Market Funds14.U.S. Treasury Bills15.Annuities16.Equity in House

Tax Test?

Safety ofPrincipal

Fixed Products

1% to 4%

Risk ofPrincipal

VariableProducts

UpsidePotential

IndexedProducts

10

Types of Investments: TIC-TAC-TOE

They are fixed interest rate products that earn interest based on the potential of an index

Protect your principle and earned interest from loss

Long term savings vehicles designed to accumulate cash on a tax deferred basis

Guarantee a lifetime of income. 11

What are Equity Indexed Products

$150,000

$140,000

$130,000

$120,000

$100,000

$160,000

$170,000

$90,000

$110,000

$100,000 Invested in 1997

Indexed AccountLarge Company Stocks

Many people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both.

8/1997 8/1998 8/1999 8/2000 8/2001 8/2002 8/2003 8/2004 8/2005 8/2006 8/2007 11/2008

$149,937

$126,925

$139,237

$95,529

$115,449

$129,330

$117,435

$152,488

$133,977

$103,775$96,845

$114,490$122,504 $122,504

$122,504

$140,255

$155,476

$166,359

$150,073

$131,080

$107,000

$166,359

12

Indexed Products VS. Large Company Stock Protection & Potential

People who are dissatisfied with interest from CDs or other fixed rate savings accounts

People who don’t have the time or temperament for the stock market

People who are tired of losing money in the stock market and want investments with guarantees to never lose money

Still would like to participate in the returns of the market without having any money actually in the market

People who want to grow & access their money tax free at retirement

People who want liquidity 13

When are Indexed Products Appropriate?

1414

The Next StepThe Next Step