people who are tired of losing money in the stock market. people who are looking to do better on...
TRANSCRIPT
People who are tired of losing money in the stock market.
People who are looking to do better on their CD’s and Money Market funds.
People who are concerned that they might outlive their income.
People who would like to preserve their assets for future generations.
People who would like to have more income to spend.
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Who Will Benefit From This Seminar?Who Will Benefit From This Seminar?
This presentation contains basic general information and is provided with the understanding that it is for educational purposes only and simply reflects our understanding of retirement issues in effect at the time of publication. Individual situations vary and the personal impact of various estate and retirement strategies should be carefully considered. Therefore, it is always recommended that you seek the advice of a certified professional regarding your specific needs.
This guidebook is made available with the understanding that the publisher, its employees, representatives, partners, officers, agents or associates do not give legal or tax advice. Tarkenton Financial LLC does not practice law, and nothing in this guidebook is ever to be viewed as legal counsel. Please be aware that laws, regulations and procedures are constantly changing and are subject to local variations and diverse interpretations. Therefore, if legal advice is required, it is always recommended that you seek the advice of a qualified attorney who is familiar with the laws of your state of residence.
No specific investment advice is ever intended. Annuities and other financial products can vary significantly. Therefore, some of the information provided in the guidebook may not apply to every insurance or financial product that is listed or available. Always examine the details of any financial product under consideration for its exact structure and provisions. The U.S. Securities and Exchange Commission (SEC) require that only a registered representative licensed with a registered broker/dealer may sell securities. The Department of Insurance in each state require that only qualified licensed individuals may sell insurance products. Any mention of interest rates or rates of return are purely hypothetical and not intended to represent any assurances or guarantees.
Tarkenton Financial seminars are intended to give basic general information on retirement issues and all efforts have been made to provide useful and accurate information concerning the subject matter covered herein.
COPYRIGHT © 2004-2007 TARKENTON FINANCIAL LLC. Use or reproduction without prior written consent is prohibited by law. This material is provided for educational purposes only and no legal, tax or investment advice is intended. Please consult a certified professional advisor regarding your specific needs. See Disclaimer page.
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EXPLANATORY DISCLAIMEREXPLANATORY DISCLAIMER This is an Educational Workshop Only This is an Educational Workshop Only
• Please turn off your pagers and cell phones for the courtesy of others
• Restrooms are ……
• Seminar Will Last About 90 Minutes
Some Housekeeping RulesSome Housekeeping Rules
The Five Key Money Questions The Five Key Money Questions
• How do I keep it?
• How do I grow it?
• How do I spend it?
• How do I pass it on?
• How do I get it back?
Seniors Tell Us…“That Makes a Lot of Sense”
Who Can You Trust?Who Can You Trust?
Insurance Professionals
Estate and Financial Planners
Stock Brokers and Money Managers
Annuity Salespeople
Attorneys and
AccountantsMutual Fund Professionals
Real Estate Dealers
Hard Earned
• Lots of Choices
• Lots of Information
• Lots of Opinions
• Lots of Uncertainty
• Lots of Promises
Tarkenton Financial We’d Like for You to Believe in Us • Industry Trusted Name
• Highly Trained Representatives
• Highest Levels of Integrity
• Multiple Product Information and Offerings
• State of the Art Planning Ideas and Technology
• 100% Focus on Seniors and Retirement
A Message from Fran Tarkenton
Your Money Didn’t Grow on a Tree … Did It?Your Money Didn’t Grow on a Tree … Did It?
Work
Assets
Basic Needs Money
Tax Money
Quality of Life Money
Accumulation Stage of Life
Work Harder
InflationTaxes
IllnessMarket Losses
You Built a Financial House You Built a Financial House One Day of Work at a TimeOne Day of Work at a Time
Then You Retired!Then You Retired!
Assets
Quality of Life Money
IllnessMarket Losses
InflationTaxes
Tax Money
Basic Needs Money
The Big Cloud
Preservation and Distribution Stage
And Managing Your Money Took On a Whole New MeaningAnd Managing Your Money Took On a Whole New Meaning
Age Became a Big FactorAge Became a Big Factor
Preservation and
Distribution Stage
Pre-Retirement Years are Weighted Towards Accumulation
Retirement Years are Weighted Towards
Preservation and Distribution
Accumulation Stage
Accumulation Stage
Preservation and Distribution
Stage
The Impact of TaxesThe Impact of Taxes
SOCIAL SECURITY TAX
CAPITAL GAINS TAX
INTEREST TAX
DIVIDENDS TAX
STATE/LOCAL TAX
SALES TAX
PROPERTY TAX
Federal Income Tax
Estate Tax Luxury Tax
37.6% 49.2% Today1976
• Capital Gains Tax Rate is 15% (exception of 0% for taxpayers at 15% regular rate)
Capital Gains and Capital Gains and Federal Estate Taxes Federal Estate Taxes
• 18% to 45% Tax on Taxable Estate
• Paid at Death of Surviving Spouse
• Paid Nine (9) months after passing
• Everything over $2,000,000
• “Laughter is the right response …..2010 is going to be a great year to die.”
- Jane Bryant Quinn
Capital Gains Tax
Federal Estate Tax
Avoiding Tax on Social Security Avoiding Tax on Social Security Gives You More Money to SpendGives You More Money to Spend
• 1935 - Social Security Established
• 1984 - Started to Tax, Congress Exempt
• 1994 - OBRA – Raised Tax to 85%
• Single - $25,000 *Married - $32,000 50%• Single - $34,000 *Married - $44,000 85%
* Married Filing Jointly
*IRS Publication 915 Pgs. 3,5 IRS Code Section 86 ( c ) ( 1 ) Code Section 86 ( a ) ( 2 )
Triple Exemption
Federal Tax
State Tax
Tax on Social Security Benefits
Compounding• Earn Interest on Principal
• Earn Interest on Interest
• Earn Interest on Dollars Not Paid in Taxes
Get Maximum Growth With Get Maximum Growth With Tax Deferred Compounding Tax Deferred Compounding
Put Your Money To Work Don’t Give It to Uncle Sam in Taxes
Money Accumulates Totally Tax Deferred
In 1492...the Year Columbus In 1492...the Year Columbus Sailed the Ocean Blue…Sailed the Ocean Blue…
5%
$858 MillionWith Interest Taxed Each Year at 33%
$242,219
Sailing Along With Triple
Compounding
“Compound interest is the greatest discovery in the universe.”
Albert Einstein
You Can Make Your Money Do More Than You Can Make Your Money Do More Than You Ever ImaginedYou Ever Imagined
Multi-Generational IRA’s – The Newest Tax Option
Without Multi-Generational IRA $157,424
With Multi-Generational
IRA
$1,782,009
Lump Sum (Without Stretch)
Benefits of Tax Deferral Lost
Estate Taxes Due
Income Taxes Due
Multi-Generational IRA
Benefits of Tax Deferral Continue
Income Taxes On Distributions Only
Lifetime Income Provided to Children
$200,000 to Heirs
Hypothetical Illustration assuming stretch for two generations @ 5.5% interest. Assumes Hypothetical Illustration assuming stretch for two generations @ 5.5% interest. Assumes assets are passed at age 70 and the children disclaim the IRA to the grandchildren. assets are passed at age 70 and the children disclaim the IRA to the grandchildren. Grandchildren are 8 years old at the time of the grandparents death.Grandchildren are 8 years old at the time of the grandparents death.
Joe - 71 Sally - 65 “My accountant tells me he’s
taking advantage of every deduction. “
$5235 $5235 BeforeBefore$2516 $2516 AfterAfter
Tax Savings Tax Savings
$2719$2719
Money Pit
Lawyers Fees
GrantorsHeirs
Probate Takes Money From Your Probate Takes Money From Your Children and GrandchildrenChildren and Grandchildren
Probate Costs
Estate Taxes
Public Notice
Creditors
*This information is for educational purposes only and should not be construed as legal advice. Always consult an attorney about your individual circumstances.
Grantors
Heirs
Money Pit
LawyersProbate Costs Estate Taxes
Public Notice
Creditors
Public Notice
Trusts Put That Money Back Trusts Put That Money Back in Their Pocketsin Their Pockets
*This information is for educational purposes only and should not be construed as legal advice. Always consult an attorney about your individual circumstances.
Living Trust A – B
I.L.I.T. – Irrevocable Life Insurance Trust
C.R.T. – Charitable Remainder Trust
Other Common Planning Vehicles
F.L.P. – Family Limited Partnership
Additional “Must Have” Documents
Financial Power of Attorney
Healthcare Power of Attorney
Living Will Document
Different Kinds of TrustsDifferent Kinds of Trusts
*This information is for educational purposes only and should not be construed as legal advice. Always consult an attorney about your individual circumstances.
Name ___________________________________________Address _________________________________________City ____________________________ Zip_____________Phone __________________________________________
How Did You Like Our Workshop?How Did You Like Our Workshop?
□ Excellent □ Fantastic
□ Wonderful □ Magnificent
Best Day and Time to Meet – Please Select Two Choices
Circle Day Monday Tuesday Wednesday Thursday Friday
Put Time in Box
□ Tax Savings and Shelters
□ Estate Planning Using Trusts
□ Protecting Assets from Catastrophic Loss
□ Rule of 100 Asset Allocation Analysis
□ Lifetime of Income
Compass Program □ Market Growth – No Loss FIA’s
I Would Like More Information About:I Would Like More Information About:
Give us Give us one hourone hour and we’ll give you and we’ll give you yearsyears of experience! of experience!
Registration and Information Request CardRegistration and Information Request Card
Catastrophic Illness
Options to Consider
• Out of Pocket
• Medicaid Planning
• Children Care
• Long Term Care Insurance
You Know That Everything You Know That Everything Can Be Lost to IllnessCan Be Lost to Illness
OK Deary, Hand That Egg Over, Or Else!
Long Term Care Insurance May Be a Solution
Long Term Care Insurance?
That’ll Be About $1000 Per Year* Great, I’ll Take
It!
Wisdom at 60
$20,000 Age 80
20 Years
Penny Wise Age 60
No Way! I’ll Wait 10 Years
Pound Foolish Age 70
$40,000 Age 80
50% Chance of Entering a Nursing Home or Needing Home Health Care Over 10 Year Period
If You Are Going to Buy Long Term Care
Insurance…. Do It Now!
*Actual rates for Male- Age 60. Allianz ‘Term Long Term Care’. Covers 150 per day for 5 years with simple interest rider attached.
$1000
$4000
Ugh!!!!!!!
Real Life IssueReal Life Issue
Specially Designed
Life Insurance Policy
John, 63 and Cathy, 61
Death Benefit *$175,912
Long Term Care *$87,948 for 4 Years
Living Benefit @ 4.0%
“I don’t want to throw money out the window on Long Term Care Insurance! I probably won’t need it.”
$50,000 per person
*Combined Benefits
Lincoln National Life MoneyGuard Reserve Policy
*$100,000 Minimum Return of Premium
Death Benefits Death Benefits $250,000$250,000
Cash ValueCash Value$81,994$81,994
Cash Value to Cash Value to New PolicyNew Policy
$81,994$81,994
Death BenefitDeath Benefit$394, 021$394, 021
Good News: Life Insurance has Good News: Life Insurance has become less expensive!become less expensive!
Old Policy New Policy
Review Current Life Insurance PoliciesReview Current Life Insurance Policies
Name ___________________________________________Address _________________________________________City ____________________________ Zip_____________Phone __________________________________________
How Did You Like Our Workshop?How Did You Like Our Workshop?
□ Excellent □ Fantastic
□ Wonderful □ Magnificent
Best Day and Time to Meet – Please Select Two Choices
Circle Day Monday Tuesday Wednesday Thursday Friday
Put Time in Box
□ Tax Savings and Shelters
□ Estate Planning Using Trusts
□ Protecting Assets from Catastrophic Loss
□ Rule of 100 Asset Allocation Analysis
□ Lifetime of Income
Compass Program □ Market Growth – No Loss FIA’s
I Would Like More Information About:I Would Like More Information About:
Give us Give us one hourone hour and we’ll give you and we’ll give you yearsyears of experience! of experience!
Registration and Information Request CardRegistration and Information Request Card
500%
-500%
1,500%
1,000%
2,500%
2,000%
3,000%
3,500%
4,000%
4,500%
0%
1954 1970 1980 19851975 19951990 200620001960 1965
5,000%
5,500%
6,000%
6,500%
7,000%
The Lure of the Stock Market
S&P 500 Index
Dow Jones Industrial Index
+5,700%
+4,400%+10,000%
+8,000%
9
The Dow at 30,000 Is It Possible?Yes!
But, What If the Market Goes Down? But, What If the Market Goes Down?
$100,000
$60,000
$80,000
+25%-20%
-40%
+66.6%
$50,000-50%
+100%
Have You Discovered Money Lost is Hard to Recoup?
Break Even
Financial Snapshot – Risk Ratio Analysis
___%
-4-
You Now Have a Money Management You Now Have a Money Management Balancing ActBalancing Act
Risk
No Loss
CD’s
FIA Annuities
Variable Annuities
Mutual Funds
Stocks
LOSS
No Risk
Fixed Annuities
Financial Snapshot – Risk Ratio Analysis
___%
___% ___%
-4-
High Risk
No Market Risk*
Fixed Annuities; Fixed Indexed Annuities; Other Annuities with Minimum Guarantees; Emergency Cash Reserves
Preferred Stocks; Bonds; Bond and Income Funds; Cash;
CD’s; Treasuries** Certain Variable Annuities
Mutual Funds Common Stocks
Variable Annuities
Moderate Risk
100 – Your Age = % in High and Moderate Risk 100 – 65 = 35%
65%
Age Based Asset Allocation Provides the Age Based Asset Allocation Provides the Freedom to Take Advantage of the MarketFreedom to Take Advantage of the Market
No Risk
* Based on claims paying ability of the issuer. Always review financial strength of insurance company.
** CD’s are FDIC insured. Treasuries are insured by the US Government. Both CD’s and Treasuries are subject to inflation risk.
The Rule of 100
Financial Snapshot – Risk Ratio Analysis
___% ___%
-4-
Upside Down Asset Allocation Upside Down Asset Allocation The Biggest Cause of Outliving The Biggest Cause of Outliving
IncomeIncome
No Risk
Preferred Stocks; Bonds, Bond and Income Funds;
Cash; CD’s, Treasuries, Certain Variable Annuities
Mutual Funds, Common Stocks, Variable Annuities
High Risk
Moderate Risk
Fixed Annuities; Fixed Indexed Annuities; Other Annuities with Minimum Guarantees;
Emergency Cash Reserves
Financial Snapshot – Risk Ratio Analysis
___% ___%
-4-
Real Life IssueReal Life Issue
Total Money Assets $454,000
Fixed Annuity
VACD’s
Stocks/Bonds
Mutual Funds
Tom, 68 and Cynthia, 68
No Risk 10%
Moderate/Low Risk 28%
High Risk 62%
No Risk 68% = $308,720
Moderate/Low Risk 15%
High Risk 17%
• Strong Financial Foundation
• Take Advantage of Market Growth
• Less Stress About Potential Losses
“I like having money in the market, but the ups and downs are driving me nuts.”
Name ___________________________________________Address _________________________________________City ____________________________ Zip_____________Phone __________________________________________
How Did You Like Our Workshop?How Did You Like Our Workshop?
□ Excellent □ Fantastic
□ Wonderful □ Magnificent
Best Day and Time to Meet – Please Select Two Choices
Circle Day Monday Tuesday Wednesday Thursday Friday
Put Time in Box
□ Tax Savings and Shelters
□ Estate Planning Using Trusts
□ Protecting Assets from Catastrophic Loss
□ Rule of 100 Asset Allocation Analysis
□ Lifetime of Income
Compass Program □ Market Growth – No Loss FIA’s
I Would Like More Information About:I Would Like More Information About:
Give us Give us one hourone hour and we’ll give you and we’ll give you yearsyears of experience! of experience!
Registration and Information Request CardRegistration and Information Request Card
Year ‘93 ‘94 ‘95 ‘96 ‘97 ‘98 ‘99 ‘00 ‘01 ‘02 ‘03 ‘04 ‘05 ‘06 ’07
CD Rate 3.3 5.0 6.0 5.5 5.7 5.4 5.5 6.6 3.7 1.8 1.2 1.8 3.7 5.2 5.2
Inflation 3.2 2.8 3.0 3.2 2.5 1.7 2.4 3.7 3.1 1.7 2.5 2.9 3.7 3.2 2.8
Real Rate
of Return
.10 .50 1.0 .50 1.3 2.0 1.3 .76 .60 .50 1.7 1.7 1.2 .27 .65
Real Rate of Return is CD Rate Adjusted for Inflation Less 33% Tax
Over the Past 15 Years CD’s
Lost Money for Their Owners
40% of the Time
CD’s and Money Market Funds The Slow Leak You Can’t See
• Creditors?
• Taxes?
• Lawsuits?*Source: Inflationdata.com; Federalreserve.gov
Inflation and Market Risk
Year 2 53 4
Market Linked Products Market Linked Products Fixed Index Annuities (FIA’s)Fixed Index Annuities (FIA’s)
Annual Lock In
Annuities are insurance products and are subject to limitations, including withdrawal charges, caps, fees, and market value adjustments, that may affect contract values. Withdrawals prior to age 59 1/2 may be subject to an IRS penalty. Availability of products and features may vary by state.
1 6
Index at Index at 10001000
Index at Index at 900900
Index at Index at 900900
Index at Index at 10001000
Index at Index at 900900
Index at Index at 10001000
Current Value
Principal $Principal $
Annual Reset
*Hypothetical Illustration.. Always consult with an insurance professional about your individual circumstances. Annuity guarantees only extend to the claims paying ability of the insurer.
No Market Losses
• Insurance company invests 79% of your dollars in Treasuries, 6% in Mortgage Loans, 5% Stocks, 3% Real Estate, 3% Cash and 2% in S&P 500 Institutional Options.
• For each dollar you invest, approximately $1.00 of the insurance company’s Capital & Surplus is put into Reserve (Banks Reserve typically 3 to 10%)!
• Because of this, they are able to insure 100% of your principal against loss and guarantee a minimum rate of return (due to the yield on the Treasuries).
• And if the market is positive, you are credited with a interest at a rate linked to the return on the S&P 500 or NASDAQ 100 (Fixed Index Annuities)*
** Lost Money is defined as any loss from a fixed annuity of Principal or Guaranteed Interest. Principal is the amount initially invested in the annuity; Guaranteed Interest is interest rate guaranteed specified in the annuity contract as guaranteed to be paid either throughout the term of the contract, or for a specific elected year – whichever applies. Proof of loss required including: Specific Annuity Contract for the Annuity in question and support documentation demonstrating that loss was the result of non-payment by the underwriting insurance company.
FIA’s Are Historically 100% Risk FreeFIA’s Are Historically 100% Risk Free
*For illustration and educational purposes only. Different insurance companies use different formulas to manage their portfolios and structure reserves.
*Up to specified cap, if any.
Monthly Income: $427
Start $24,866 $20,438 $15,814 $38,883
5th Year $0 $26,060 $20,668 $53,273
10th Year $0 $27,012 $72,988
15th Year $0 $100,000*
1 2 3 4
Tax Free 97.01% Tax Free 73.65% Tax Free 55.67%* Illustration Purposes Only. Leg 1 – Immediate Annuity; Leg 2 – Deferred Annuity 4.98%; Leg 3 – Deferred Annuity 5.5%; Leg 4 – Deferred Annuity 6.5%. Results will vary based on market conditions. Principal is guaranteed against loss.
$462 $473
Real Life Issue Real Life Issue
Compass Income Plan
Chris, 71 Margaret, 70
$100,000
“I’d like to have more income, but I’m so afraid of running out of money.”
•Over $25 billion of index annuities were purchased in 2006.
“Index Annuities may be the Perfect Product.”“Index Annuities are a Poor Choice for Seniors.”
True
False
True
True
Maybe
•Annuities are appropriate for all seniors.
•FIA in general have become more consumer friendly.
•Work with someone you trust and top rated companies.
•FIAs should be part of a long-term retirement strategy.
•There are good and bad types of annuities. True
What is the Real Truth About Annuities?What is the Real Truth About Annuities?
“I have to admit I like the concept for the right investor. In fact, for those who do not want to take any downside risk, the index annuity can be a good option … If you are willing to give up some upside potential, an index annuity can help you protect yourself against downside risk, both in the short term and the long term … If you do not want to take any risks but still want to play the stock market, a good index annuity may be right for you.”
Fixed Index Annuities are long term, safe money financial products that are not suitable for everyone. Read all product disclosures, consult your advisors and the NAIC “Buyer’s Guide to Fixed Annuities with Appendix for Equity Index Annuities”. Guarantees are contingent upon you abiding
by the terms of the annuity contract.
-- Excerpted from The Road to Wealth, Pages 506-507.
Fixed Indexed Annuities Are Not For Everyone!Fixed Indexed Annuities Are Not For Everyone!
You can generate immediate cash You can generate immediate cash from:from:
• Income payments from an Income payments from an annuity.annuity.
• Structured settlement Structured settlement payments.payments.
• Inherited annuities.Inherited annuities.
• Existing annuities.Existing annuities.
Yesterday’s decisions may not be Yesterday’s decisions may not be suitable for today:suitable for today:
• Eliminate debt.Eliminate debt.
• Home improvement.Home improvement.
• Helping children buy a house or Helping children buy a house or starting a starting a business.business.
• Assisting family in times of Assisting family in times of need.need.
When Financial Needs Change When Financial Needs Change
Name ___________________________________________Address _________________________________________City ____________________________ Zip_____________Phone __________________________________________
How Did You Like Our Workshop?How Did You Like Our Workshop?
□ Excellent □ Fantastic
□ Wonderful □ Magnificent
Best Day and Time to Meet – Please Select Two Choices
Circle Day Monday Tuesday Wednesday Thursday Friday
Put Time in Box
□ Tax Savings and Shelters
□ Estate Planning Using Trusts
□ Protecting Assets from Catastrophic Loss
□ Rule of 100 Asset Allocation Analysis
□ Lifetime of Income
Compass Program □ Market Growth – No Loss FIA’s
I Would Like More Information About:I Would Like More Information About:
Give us Give us one hourone hour and we’ll give you and we’ll give you yearsyears of experience! of experience!
Registration and Information Request CardRegistration and Information Request Card
Having less money to spend due to tax
increases and inflation 1 2 3 4 5
Losing on investments 1 2 3 4 5Getting extremely low interest rates on CD’s
and Money Market accounts 1 2 3 4 5
Outliving income or running out of money 1 2 3 4 5Losing home and assets to the nursing home
1 2 3 4 5
What’s Your Worry Level?What’s Your Worry Level?
Low High
My Score Today ______19 My Score Tomorrow ______
Under 5
6 - 10 11 - 15 16 - 20 20 & Over
How’s Your Retirement Looking?How’s Your Retirement Looking?
Peace of Mind
Some Concern
Fear of the Future
Feeling Very Vulnerable
Sustained Disappointment
My Score Today ___________ My Score Tomorrow ___________19 4
Would You Like to Do Better?Would You Like to Do Better?
• Fear of the Unknown
• Too Emotional
• Embarrassed
• Cannot Admit Mistakes
• Feels Obligation to Another
• Does Not Want to be Pressured
• Overly Optimistic
• Overly Pessimistic
Procrastination Never Helped AnyoneProcrastination Never Helped Anyone
When?When?
Who Can You Trust?Who Can You Trust?
Insurance Professionals
Estate and Financial Planners
Stock Brokers and Money Managers
Annuity Salespeople
Attorneys and
AccountantsMutual Fund Professionals
Real Estate Dealers
Hard Earned
• Lots of Choices
• Lots of Information
• Lots of Opinions
• Lots of Uncertainty
• Lots of Promises
Tarkenton Financial We’d Like for You to Believe in Us • Spend one hour with us for a ‘no obligation’ visit
• We will give you a candid second opinion
• We will give you a personally designed, mathematically based plan
• Give us one hour of your time and we will give you years of our experience
Closing Thoughts FromFran Tarkenton
Name ___________________________________________Address _________________________________________City ____________________________ Zip_____________Phone __________________________________________
How Did You Like Our Workshop?How Did You Like Our Workshop?
□ Excellent □ Fantastic
□ Wonderful □ Magnificent
Best Day and Time to Meet – Please Select Two Choices
Circle Day Monday Tuesday Wednesday Thursday Friday
Put Time in Box
□ Tax Savings and Shelters
□ Estate Planning Using Trusts
□ Protecting Assets from Catastrophic Loss
□ Rule of 100 Asset Allocation Analysis
□ Lifetime of Income
Compass Program □ Market Growth – No Loss FIA’s
I Would Like More Information About:I Would Like More Information About:
Give us Give us one hourone hour and we’ll give you and we’ll give you yearsyears of experience! of experience!
Registration and Information Request CardRegistration and Information Request Card
All About MoneyAll About Money
Wow! He’s done.
I never thought
he’d finish
It’s really ….
All About Eating!!!!