Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Address: 253 Main Street, #169, Matawan | Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

Insurance 101Cash Value Life Insurance

A unique approach

to financial planning

advisorgofinancials

PO Box 45466 San Diego, CA 92145 | 619-500-7122 | www.gofinancials.com

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

S.No. Slide Name Slide No

1. Cover Slide 1

2. Table of Contents 2

3. Tax 101 3

4. Early Withdrawals & RMD 4

5. Term & Permanent Life Insurance 5

6. Index Universal Life 6

7. Life Benefits 7

Table of Contents

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Tax 101

TAXABLE

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com

TAX ADVANTAGE

* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Tax 101

Tax on investment• Capital gains tax• Income tax

TAXABLE• Mutual funds• CDs• Stocks• Bonds• Saving account

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com

TAX ADVANTAGE

* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Tax 101

Tax on investment• Capital gains tax• Income tax

TAXABLE• Mutual funds• CDs• Stocks• Bonds• Saving account• Traditional IRA• Annuity• 401 k • TSP

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com

TAX ADVANTAGE

* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Tax 101

Tax on investment• Capital gains tax• Income tax

FACTS• Could be short term **• Low percentage yield• Long term investment• Income limit

TAXABLE• Mutual funds• CDs• Stocks• Bonds• Saving account• Traditional IRA• Annuity• 401 k • TSP

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com

TAX ADVANTAGE• Municipal bonds **• Roth IRA

* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Tax 101

Tax on investment• Capital gains tax• Income tax

FACTS• Could be short term **• Low percentage yield• Long term investment• Income limit• Tax free *

• Withdrawals• Loans

TAXABLE• Mutual funds• CDs• Stocks• Bonds• Saving account• Traditional IRA• Annuity• 401 k • TSP

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com

TAX ADVANTAGE• Municipal bonds **• Roth IRA• Cash Value Life Insurance

* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Early Withdrawals & RMD

Before age 59 ½ • 10% IRS Penalty• Income tax

After 70 ½ • Required Minimum Distribution

59 ½ 70 ½

IRS Penalty *

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

Good* RMD*

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

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Term & Permanent Life Insurance

PERMANENT

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

• 5, 10, 20, 30 years coverage

TERM

insurance

RENT BUILDS CASH VALUE

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Term & Permanent Life Insurance

PERMANENT

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

• 5, 10, 20, 30 years coverage

TERM

insuranceinsuranc

esaving

s

RENT BUILDS CASH VALUE

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Term & Permanent Life Insurance

PERMANENT

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

• 5, 10, 20, 30 years coverage

TERM

insuranceinsuranc

esaving

s

LOANS% 2-3% 3-4% MF

1-10 YRS .75% WL UL VUL IUL11+ YRS 0%DOWNLOAD THE BROCHURE AT HERE: https://www.westernreserve.com/site/newwrl/media/public/PDF/FFIUL/FFIUL_Brochure.pdf

RENT BUILDS CASH VALUE

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

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Index Universal Life+.75%

S&P 500 INDEX YOUM/2000 -12.27% +.75%M/2001 -13.4% +.75%M/2002 -24.1% +.75%M/2003 +26.3% +13.5%

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

13.5%

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Index Universal Life

GLOBAL INVESTMENT• 50% S&P 500 (VISE VERSA)• 30% EURO STOXX 50 (VICE VERSA)• 20% HANG SENG INDEX

+.75%

S&P 500 INDEX YOUM/2000 -12.27% +.75%M/2001 -13.4% +.75%M/2002 -24.1% +.75%M/2003 +26.3% +13.5%M/2008 -37.2% +.75%

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

13.5%

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Index Universal Life

GLOBAL INVESTMENT• 50% S&P 500 (VISE VERSA)• 30% EURO STOXX 50 (VICE VERSA)• 20% HANG SENG INDEX

PROTECTION• WEALTH TRANSFER

• RICH BECOMES RICHER• LEGAL PROTECTION• FINANCIAL AID FRIENDLY

+.75%

S&P 500 INDEX YOUM/2000 -12.27% +.75%M/2001 -13.4% +.75%M/2002 -24.1% +.75%M/2003 +26.3% +13.5%M/2008 -37.2% +.75%

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

ROOM FOR INVESTMENTS

$$$

SAVINGS

INS

LIFETIME• COVERAGE• AGE• HEALTH

13.5%

MAX

MIN

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Index Universal Life

GLOBAL INVESTMENT• 50% S&P 500 (VISE VERSA)• 30% EURO STOXX 50 (VICE VERSA)• 20% HANG SENG INDEX

PROTECTION• WEALTH TRANSFER

• RICH BECOMES RICHER• LEGAL PROTECTION• FINANCIAL AID FRIENDLY

+.75%

S&P 500 INDEX YOUM/2000 -12.27% +.75%M/2001 -13.4% +.75%M/2002 -24.1% +.75%M/2003 +26.3% +13.5%M/2008 -37.2% +.75%

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

ROOM FOR INVESTMENTS

$$$

SAVINGS

INS

LIFETIME• COVERAGE• AGE• HEALTH

13.5%

MAX

MIN

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Living Benefits {$1,000 $1,000

-50% +100%

$500

SUPPLEMENT RETIREMENT

- VACATION- GRANDCHILDREN’S COLLEGE

1. Death Benefit2. Tax Advantage3. Downturn Protection

(.75%)**4. Up Gain Potential (13.5%)**5. Flexible6. Terminal Illness

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com

* Consult a tax professional.** Check current rates here.

PAY MEDICAL BILLSBUCKET LIST

UP

TO

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,00

0

CA

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Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

• Secure your future.• Principal protection.• Safe from market volatility and

uncertainty.• Tax deferred/free investment.*• Watch Plan to win now video here.

Why Cash Value Life Insurance?

Dive in with confidence

Take advantage of one-of-a-kind offers to help you accomplish your goals.

• Possible loss of principal.• Market volatility and uncertainty like

in year 2008.• Time Magazine. Why retire your

401k?• Bloomberg. The truth behind fees.• 60 Minutes. 401k crisis.

Stop relying on risky maneuvers

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

advisorfinancial

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

Thank You

Contact us today to find your financial future.contact@gofinancials.com

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Video 1

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

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Video 2

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Video 3

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Time Magazine – Why retire your 401k?

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

Bloomberg – The truth behind fees.

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.

Address: 253 Main Street, #169, Matawan Office: 732-591-9131 | Fax: 732-441-7344www.financialadvisor.com

advisorfinancial

60 Minutes – 401k Fall out

PO Box 45466 San Diego, CA 92145619-500-7122www.gofinancials.com* Consult a tax professional.