In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Give Your Self-Employed & Small Business Clients a

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Presentation: Art LeafferArt.Leaffer@Dedicated-DB.com

Dedicated Defined Benefit Services, LLC

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Agenda Defined Benefit Plans in a Recession Economy:

– A path to rebuilding retirement wealth

Small Business Defined Benefit Plans– The ExpertPlan OnePersonPlus® Program

from Dedicated DB– Compared to other Retirement Plans

Identifying Ideal Clients – Who Qualifies?

Prospecting for $1MM Accounts– Cultivating CPAs and Attorneys as Centers of Influence

Closing the Sale

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

3

Dedicated Defined Benefit Services We’re DEDICATED to providing the best small business Defined

Benefit plan – it’s all we do!

DB plans offer an outstanding tax strategy for financial professionals to present to self-employed and small business clients

Working with ExpertPlan, we create a high-quality experience for financial professionals and their clients from pre-sale through administration

Minimize demand for technical expertise from financial professionals by providing expert plan consulting

Financial Professionals’ support – Expertise by phone – 1-877-677-6267 – Expertise online - www.onepersonplus-EP.com– Art.Leaffer@Dedicated-DB.com

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

Large, contributions for the next 5-10 years $1 Million to $2 Million in New Retirement Wealth

Contribution is a tax-deduction, saving client as much as $40,000-60,000 this year or more

Stable, low risk investments – you’re not promising high returns

Clients who might have shied away from commitment are now ready -- committed to rebuild

Defined Benefit Plans for Today

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Retirement Plans for the “Micro-Market”

Closing a Gap in Your Product Line

SIMPLE

SEP

Single 401(k)

DB

DB + 401(k)

$19,900$21,350

$171,300

$134,600

$49,000

$54,500

Maximum Annual Contribution: Participant Age 52, Earning $245,000 Annually

Retiring in 10 Years

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Product OverviewA Great Tax Strategy for Baby Boomers!

Identify Prospects Easily – Owner age 45+– Owner + 0 - 4 employees – Contribute at least 3

successive years

About New Plans– Avg. annual contributions:

$120,000– Avg. term: 9+ yrs– Prototype plan documents– Integrates with a solo 401(k)

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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1. Identify clients you can help most

2. Start the conversation – before they contribute to a SEP or 401(k) for ’09

3. Present a Proposal

4. Let Dedicated DB Help You Close the Sale

5. Collect up to 50% of Assets Before Year-End

A Recovery Plan to Implement Now!

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Dr. Charles, Age 52Self-employed, Sole prop

No employeesWants Maximum Tax Deduction

Annual earnings: $400,000 Maximum DB+ 401(k) contribution for 2009: $171,300

– Contribution to DB Plan: $134,600 +– Contribution to 401(k): $36,700

Annual tax savings: $65,100 – Combined marginal tax rate of 38%

DB Accumulation at age 62: $2,364,000– 10 years, 5 - 7% rate of return

Annual DB Benefit: $195,000

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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John, Age 55 +2 EmployeesSmall Business Owner, C-Corp

Owner’s W-2 income: $400,000– Employee 1 age 28 earning $35,000– Employee 2 age 35 earning $45,000

2009 Maximum DB contribution for owner: $162,400– DB Contribution for Employee 1: $4,000– DB Contribution for Employee 2: $8,100– 93% of contribution for John

Annual income tax savings for John: $61,700* Retirement accumulation for John at 62: $1,655,000 Annual Benefit for John in retirement: $136,500

*Assumes 38% combined State/Federal marginal rate

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Paul, Age 60, Mary, Age 58

Management Consultants, C-Corp Married Couple in Business Together

5 years from retirement W-2 Income: $490,000 ($245,000 each) Total annual DB contribution: $351,800

– $171,800 towards Paul’s Retirement– $180,000 towards Mary’s Retirement

Annual combined income tax savings: $133,700 Accumulation at retirement:

– Paul: $1,103,000– Mary: $1,156,000

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Susan, Age 56, Professor at Biz School Wants to Secure Retirement with Side Income, Sole Prop

In addition to university salary, Susan has self-employment income from consulting & serving on 2 corporate boards

Annual self-employment earnings after paying self-employment tax: $150,000*

Maximum DB contribution for 2009: $150,000 Annual tax savings: $57,000

– combined marginal tax rate of 38%

DB Accumulation at age 62: $1,230,000– 6 years, 5 - 7% rate of return

Annual DB Benefit: $101,400

* High 3-year average, after payment of self-employment

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Building Your Business in Today’s Economy What We Deliver

Ongoing Support Training for Financial Professionals Sales Presentations Quarterly e-newsletters Client & Advisor Communications

Sales Support & Plan Design

Advisor Website,Calculator &

Proposal System

Sales Support & Client Marketing Materials

www.OnePersonPlus-EP.com Ideal Clients Proposal Generator Advisor and Client Brochures Sales Kit

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Building Your Business in Today’s Economy Cultivating the Right Centers of Influence

Deliver Training and Continuing Ed to CPAs, Attorneys

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Prospecting for $1MM Accounts

Independent Consultants

Board of Directors– Board fees qualify as self-employment income– Income is not necessary to maintain life style

Self-Employed Spouses with “Second Incomes”– The CPA and Advisor typically forget that the self-employed

spouse’s second income can be sheltered Software programmer Therapist Sales rep Paralegal Technical writer

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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University Professors with Consulting Contracts– Business, Engineering, Medical Schools, Economics Dept– Bios on the university Web site

Physicians – Anesthesiologists– Dentists– Emergency Room doctors – Radiologists– Vets

Prospecting for $1MM Accounts

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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CPAs, a Great Referral Source– Create awareness, uncover qualified small business

clients– Help CPA identify high net worth clients who have a

problem to solve – consultants, doctors, dentists, etc– Present to groups of CPAs

Attorneys, another Great Referral Source– Estate planning attorneys – Patent attorneys– Attorneys who assist business owners to sell a

business

Prospecting for $1MM Accounts

In-43793 (4/08) AXA Advisors, LLCFor presentation to financial professionals only

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Closing Your Sale 1. Run a proposal online: www.OnePersonPlus-EP.com

2. Present to client

3. Request a customized proposal: 1-877-677-6267

4. Discuss with client’s CPA Dedicated DB on a conference call

5. Complete Set-Up Questionnaire/Send to Dedicated DB With Set-Up Fee ($1,250 for 1-person plan)

6. Receive Adoption Agreement for signature

7. Open investment account