help create the life you want and “recession proof” retirement income

Help Create the Life You WantHelp Create the Life You Want and “Recession Proof” and “Recession Proof”

Retirement IncomeRetirement Income

Wealth Strategy AdvisorsWealth Strategy Advisors

Securities and investment advisory services offered through AXA Advisors, LLC 801 Cherry Street, Suite 2300, Ft. Worth, TX 76102, 817-347-4026, member of NASD, SIPC. Annuity and insurance products offered through AXA Network, LLC and its subsidiaries, including AXA Network Insurance Agency of Utah and its affiliates in Utah. AXA Advisors, AXA Network and their affiliates and subsidiaries do not provide tax or legal advice.

Wealth Strategy Advisors is not owned or operated by AXA Advisors, AXA Network or their affiliates or subsidiaries.

Rebecca D. Turner, ChFC

AGE-55031 (4/10)

Can We Agree?Can We Agree?

May not be able to May not be able to agree now…agree now…

After the After the presentation, presentation, grade usgrade us


Higher quality of life.Higher quality of life. No perfect investment.No perfect investment. Resist thinking “all or none” when it Resist thinking “all or none” when it

comes to your money.comes to your money. Invest early and often.Invest early and often.


Having a plan for your income is Having a plan for your income is better than not having one.better than not having one.

Build a “recession proof” retirement Build a “recession proof” retirement income stream.income stream.

Paying a minimum amount of income Paying a minimum amount of income tax.tax.

Modern Portfolio TheoryModern Portfolio Theory


Protect your assets with insurance and Protect your assets with insurance and annuities (i.e. life insurance, long term annuities (i.e. life insurance, long term care, guaranteed* income streams).care, guaranteed* income streams).

Have the right legal documents in place.Have the right legal documents in place. It’s not so much what you make, it’s what It’s not so much what you make, it’s what

you keep.you keep. Successful people apply these principles.Successful people apply these principles. *Guarantees are backed by the claims paying ability of the *Guarantees are backed by the claims paying ability of the

issuing company.issuing company.

Millionaire MindsetMillionaire Mindset From From Millionaire Women Next Door Millionaire Women Next Door by Dr. by Dr.

Thomas StanleyThomas Stanley– Not Not because they are lucky or won lottery, because they are lucky or won lottery,

inheritance, etc.inheritance, etc.– Buying habits of millionairesBuying habits of millionaires

Average 50 year oldAverage 50 year old– 5 million dollar net worth5 million dollar net worth

Average price watchAverage price watch– $1,220$1,220

Average price carAverage price car– $38,685$38,685

Average pair of shoesAverage pair of shoes– $137$137

““Have You All Gone Mad?”Have You All Gone Mad?”

Don’t Think Big, Think SmallDon’t Think Big, Think Small

Saving $.50 an hour worked and investing annually(assuming an eight hour workday, five days a week)

Beginning Age Investing Total Value of Investment at Age 65

25 $460,296

35 $171,074

45 $59,566

55 $16,575

10% annualized compound rate of return

Stay InvestedStay Invested

Don’t Fall in Love with Any Don’t Fall in Love with Any Holding or StockHolding or Stock

Do not let any one Do not let any one asset class, or asset, asset class, or asset, overtake your overtake your portfolio, including portfolio, including your company stock.your company stock.

Consider all holdings Consider all holdings as a percent of your as a percent of your total assets.total assets.

Hire Proactive AdvisorsHire Proactive Advisors

Active versus Active versus Passive AdvisorsPassive Advisors– Advisors who Advisors who

take orderstake orders– Or, advisors who Or, advisors who

ask thought-ask thought-provoking provoking questions.questions.

13 Wealth Management 13 Wealth Management IssuesIssues

1)1) InvestmentsInvestments

2)2) InsuranceInsurance

3)3) LiabilitiesLiabilities

4)4) Qualified Retirement Plan/IRA Qualified Retirement Plan/IRA Distribution PlanDistribution Plan

5)5) Stock OptionsStock Options

6)6) Business Succession PlanBusiness Succession Plan

7)7) Durable Power of Attorney at Durable Power of Attorney at IncapacityIncapacity

8)8) Gifting to Children/DescendentsGifting to Children/Descendents

9)9) Charitable Gifting during LifeCharitable Gifting during Life

10)10) Titling of AssetsTitling of Assets

11)11) Selection of Executor/TrusteeSelection of Executor/Trustee

12)12) Distribution of Executor/TrusteeDistribution of Executor/Trustee

13)13) Charitable Inclinations at DeathCharitable Inclinations at Death

www.wealthstrategyadvisors.netAGE-38351 (12/06)

Invest Early and Often – Start Invest Early and Often – Start NowNow

John invests at age 27 (with a 10% hypothetical annual return.)

Age Investment Total Value Age Investment Total Value

19 $0 $0 43 $3,000 $133,798

20 0 0 44 3,000.00 150,477.27

21 0 0 45 3,000.00 168,825.00

22 0 0 46 3,000.00 189,007.50

23 0 0 47 3,000.00 211,208.25

24 0 0 48 3,000.00 235,629.07

25 0 0 49 3,000.00 262,491.98

26 0 0 50 3,000.00 292,041.18

27 3,000.00 3,300.00 51 3,000.00 324,545.30

28 3,000.00 6,930.00 52 3,000.00 360,299.83

29 3,000.00 10,923.00 53 3,000.00 399,629.81

30 3,000.00 15,315.30 54 3,000.00 442,892.79

31 3,000.00 20,146.83 55 3,000.00 490,482.07

32 3,000.00 25,461.51 56 3,000.00 542,830.27

33 3,000.00 31,307.66 57 3,000.00 600,413.30

34 3,000.00 37,738.43 58 3,000.00 663,754.63

35 3,000.00 44,812.27 59 3,000.00 733,430.10

36 3,000.00 52,593.50 60 3,000.00 810,073.11

37 3,000.00 61,152.85 61 3,000.00 894,380.42

38 3,000.00 70,568.14 62 3,000.00 987,118.46

39 3,000.00 80,924.95 63 3,000.00 1,089,130.30

40 3,000.00 92,317.45 64 3,000.00 1,201,343.33

41 3,000.00 104,849.19 65 3,000.00 1,324,777.67

42 3,000.00 118,634.11

John's earnings beyond investment: $1,207,777.67

*This is a hypothetical situation, for illustrative purposes only. It does not reflect an investment in, or the performance of, any particular investment or product.

Invest Early and Often – Start Invest Early and Often – Start NowNow

Jim invests at age 19 (with a 10% hypothetical annual return.)

Age Investment Total Value Age Investment Total Value

19 $3,000.00 $3,300.00 43 0 190,747.78

20 3,000.00 6,930.00 44 0 209,822.55

21 3,000.00 10,923.00 45 0 230,804.81

22 3,000.00 15,315.30 46 0 253,885.29

23 3,000.00 20,146.83 47 0 279,273.82

24 3,000.00 25,461.51 48 0 307,201.20

25 3,000.00 31,307.66 49 0 337,921.32

26 3,000.00 37,738.43 50 0 371,713.45

27 0 41,512.27 51 0 408,884.80

28 0 45,663.50 52 0 449,773.28

29 0 50,229.85 53 0 494,750.61

30 0 55,252.84 54 0 544,225.67

31 0 60,778.12 55 0 598,648.24

32 0 66,866.93 56 0 658,513.06

33 0 73,541.53 57 0 724,364.36

34 0 80,895.68 58 0 796,800.80

35 0 88,985.25 59 0 876,480.88

36 0 97,883.77 60 0 964,128.97

37 0 107,672.15 61 0 1,060,541.87

38 0 118,439.36 62 0 1,166,596.05

39 0 130,283.30 63 0 1,283,255.66

40 0 143,311.63 64 0 1,411,581.22

41 0 157,642.79 65 0 1,552,739.35

42 0 173,407.07

Jim's earnings beyond investment: $1,528,739.35

Jim earns $320,961.68 more than John.

John's earnings beyond investment: $1,207,777.67

Jim invested one-fifth the dollars, but has 25% more to show -- Invest early!!

*This is a hypothetical situation, for illustrative purposes only. It does not reflect an investment in, or the performance of, any particular investment or product.

““Recession Proof” Retirement Recession Proof” Retirement IncomeIncome

TimeTime

24 months of your 24 months of your income needs to be income needs to be in cash.in cash.

Checklist of AgreementsChecklist of Agreements

Higher quality of life. Higher quality of life.

There is no perfect investment. There is no perfect investment.

Resist thinking “all or none” when it Resist thinking “all or none” when it comes to your moneycomes to your money

Invest early and often.Invest early and often.


Having a plan for your income is Having a plan for your income is better than not having one.better than not having one.

Build a recession proof retirement Build a recession proof retirement income stream.income stream.

Paying as little income tax as legally Paying as little income tax as legally possible.possible.



Protecting your assets with insurance Protecting your assets with insurance (i.e. life insurance, long term care, (i.e. life insurance, long term care, guaranteed income streams).guaranteed income streams).

Having the right legal documents in Having the right legal documents in place.place.

It’s not so much what you make, it’s It’s not so much what you make, it’s what you keep.what you keep.

Successful people apply these Successful people apply these principles.principles.

Did we make the grade?Did we make the grade?

Did we make a Did we make a compelling enough compelling enough case?case?– If you didn’t believe If you didn’t believe

in the statements in in the statements in the beginning, and the beginning, and you do now, what you do now, what caused the shift in caused the shift in thinking?thinking?

RecessionRecession

Recessison

If you don’t apply these principles to If you don’t apply these principles to create the life you want…create the life you want…

……What will you do?What will you do?

help create the life you want and “recession proof” retirement income

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