SEMINAR - Retirement Challenges

8/14/2019 SEMINAR - Retirement Challenges

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11

Retirement ChallengesRetirement Challenges

WE WELCOME YOUWE WELCOME YOU

Securities and advisory services offered through SMH Capital, Inc. Member FINRA/SIPC.Securities and advisory services offered through SMH Capital, Inc. Member FINRA/SIPC.This Firm is not a CPA Firm --This Firm is not a CPA Firm --www.HoustonRetirementCoach.comwww.HoustonRetirementCoach.com

http://www.houstonretirementcoach.com/







22

Disclosure:

This seminar presentation is intended for This seminar presentation is intended for general informationgeneral information

purposes only and does not and is not intended to providepurposes only and does not and is not intended to provide

specific investment advice or recommendations’ for anyspecific investment advice or recommendations’ for anyindividual. It is suggested that you consult with your tax, legalindividual. It is suggested that you consult with your tax, legal

and/or financial services professional regarding your individualand/or financial services professional regarding your individual

situation.situation. The views expressed are those of the presenter and may not The views expressed are those of the presenter and may not

necessarily reflect those held by SMH Capital, Inc. Materialnecessarily reflect those held by SMH Capital, Inc. Materialpresented is believed to be from a reliable sources and SMHpresented is believed to be from a reliable sources and SMHCapital, Inc. makes no representation as to it accuracy orCapital, Inc. makes no representation as to it accuracy orcompleteness. Not all of the concepts and ancillary programscompleteness. Not all of the concepts and ancillary programsdescribed in this seminar are available through SMH Capital,described in this seminar are available through SMH Capital,Inc., but are only available exclusively through OutlookInc., but are only available exclusively through Outlook

Financial Group, LLC.Financial Group, LLC. The examples that you are about to see in this presentation The examples that you are about to see in this presentationare hypothetical and a taxpayer/investor should note theare hypothetical and a taxpayer/investor should note thefollowing:following:

Strategies suggested may not return the results illustrated asStrategies suggested may not return the results illustrated asstrategies and risks will differ from client to clientstrategies and risks will differ from client to client



33

PROPER FINANCIAL INVESTING IS NODIFFERENT THAN BUILDING BLOCKS.

WE BELIEVE YOU MUST SET

A SOLID

FOUNDATIONBEFORE YOUPROCEED.



44

Is Much Easier Than You Realize

Bridging the investment gap



55

No matter what stage of life

you're in. . .

We can assist in your finances!



ALLEN NEUENSCHWANDERWILL BE TALKING ABOUT

The Key Strategies To HelpWith Your Financial Success!!



77

INTRODUCING

ALLEN NEUENSCHWANDER

Houston Retirement Coach





WE ARE NOT

ONLY HERE TO

GIVE YOU GOODSOLID

FINANCIAL

INFORMATION,WE WILL TRY TO

EDUCATE AND

ENTERTAIN YOUA LITTLE AS

WELL



AN ELDER LAW & LIVING TRUSTATTORNEY AVAILABLE A FULLTIME CPA ON CALL

FULL ADVISORY AND ESTATEPLANNING SERVICES

OUR STATE-OF-THE-ARTFACILITY

IS A ONE-STOP FINANCIALIS A ONE-STOP FINANCIALCENTERCENTER

Elder Law & Living Trust Attorney and CPA services described in this seminar are notavailable through SMH Capital, Inc. but are only available through Outlook Financial Group,LLC.



OUR STATE-OF-THE-ARTFACILITY

IS A ONE-STOP FINANCIALIS A ONE-STOP FINANCIALCENTERCENTER

INSURANCE SPECIALISTS FOR EVERY

TYPE OF PERSONAL INSURANCE

LONG-TERM CARE

HOME HEALTH INSURANCELIFE INSURANCEESTATE INSURANCE

…AND MORENot all Insurance services described above are available through SMH Capital,Inc. but are only available exclusively through Outlook Financial Group, LLC.

OS O S



MOST PEOPLE SPENDMORE TIME PLANNING

THEIR VACATION THAN THAN

THEIR THEIRFINANCIALFINANCIALFUTUREFUTURE

WHICH MEANS THERE MIGHT



1212

DON’T GAMBLE WITHDON’T GAMBLE WITH

YOUR FINANCES YOUR FINANCES

WE CAN HELP ADVISEWE CAN HELP ADVISE YOU IN MANY PHASES YOU IN MANY PHASES

OF INVESTINGOF INVESTING



YOU NEED TO

LISTENCAREFULLY TOA

PROFESSIONAL FINANCIAL

ADVISOR, ANDWE NEED TO

LISTENCAREFULLY TO YOU.

•Neither SMH Capital, Inc. or its agents or employees provides tax, legal, or

accounting advice. Please consult with a qualified tax advisor or attorney forguidance in these areas.



PLEASEPLEASE

COMPLETECOMPLETE THE MIDDLE THE MIDDLEPORTION OFPORTION OF

THE THE

WORKSHEETWORKSHEET

Thank you

Seminar Worksheet

Name ____________________________Age _____

Address ___________________________________

City & State _____________________ Zip _____

Phone _________________________ Date ______

I Would Like To Learn More About :

( ) How to lower my present taxes

( ) Greater income on my Savings & CD’s

( ) IRA & 401K

( ) Long Term Health Care

( ) Annuities

( ) Analyze my Insurance Policies

( ) Mutual Funds

( ) Portfolio Consultation ( ) Estate Planning

( ) Other __________________________________

The Best Time For My Complimentary

Consultation

MorningAfternoon Monday

Tuesday

Wednesday

Thursday

Friday



GUIDING YOU

THROUGH THE ROUGHSPOTS AND

SHALLOWWATERS IS

WHAT GOOD

FINANCIALPLANNING ISALL ABOUT



1616

Will you out live your retirement income?Will you out live your retirement income?

Will your retirement money keep paceWill your retirement money keep pace

with inflation? (purchasing power risk)with inflation? (purchasing power risk) Will you need to pay for Long Term Care?Will you need to pay for Long Term Care?

Will there be anything left for your lovedWill there be anything left for your loved

ones?ones? Will taxes on social security erode your Will taxes on social security erode your

income?income?

Five Challenges For Retirees



LET’S TALK ABOUT THE

REAL WORLD TODAY.

LET'S TALK ABOUT REALITY



1818

Tax Help from Uncle Sam?Tax Help from Uncle Sam?

Reducing TaxesReducing Taxeson Socialon SocialSecurity IncomeSecurity Income

Three Tax Three TaxReturnsReturns



1919

Hypothetical Basic AssumptionsHypothetical Basic Assumptions

•Married Couple - Filing a Joint Tax Return

•AGI= Total Income minus non-taxable Social Security Income

•Standard Deduction- $12,300

•Effective Tax Rate-13.30%

•Cash Generating Interest -$400,000

•Assumed Interested Rate- 5%

Strategies suggested may not return the results illustrated as strategies andrisks will differ from client to client including those with fewer or greaterassets or income. Results will vary depending on your specific situation. Thesestrategies are not designed to be a substitute for specific tax, legal,investment or other professional advice. For specific assistance the servicesof an appropriate professional should be sought.

Hypothetical Example: Married Couple Social Security TaxHypothetical Example: Married Couple Social Security Tax



2020

Hypothetical Example: Married Couple Social Security TaxHypothetical Example: Married Couple Social Security TaxSource: IRS tax formSource: IRS tax form 10401040 / Publication 17/ Publication 17

Income from CD’sIncome from CD’s

Interest $20,000Interest $20,000

Social Security $20,000Social Security $20,000

Pension $30,000Pension $30,000

Total IncomeTotal Income $70,000$70,000 Taxable Social SecurityTaxable Social Security

IncomeIncome $12,800$12,800

Adjust Gross Income $62,800Adjust Gross Income $62,800

Taxable IncomeTaxable Income $43,900$43,900Total Federal TaxTotal Federal Tax $5,830$5,830

Interest Income & Tax Management

Bank Certificates of Deposit are FDIC Insured. This example isprovided for illustrative purposes only and is not intended to reflectan actual investment or predict future returns. It is designed to

illustrate the mathematical concepts being discussed. An investmentin any security will fluctuate in value and may be worth more or less

Hypothetical Example: Married Couple Social SecurityHypothetical Example: Married Couple Social Security



2121

Hypothetical Example: Married Couple Social SecurityHypothetical Example: Married Couple Social SecurityTax Source: IRS tax form 1040 / Publication 17Tax Source: IRS tax form 1040 / Publication 17

Income from Municipal BondsIncome from Municipal Bonds

InterestInterest $20,000$20,000

Social SecuritySocial Security $20,000$20,000

PensionsPensions $30,000$30,000



Adjusted Gross Income $42,800Adjusted Gross Income $42,800

Taxable Income $23,900Taxable Income $23,900 Total Federal TaxTotal Federal Tax $2,830$2,830 $3,000 Tax$3,000 Tax

SavingsSavings


Please consider investment objectives, risks, charges, and expensesassociated with municipal bonds. The issuers official statement contains moreinformation and should be read carefully before investing. This example isprovided for illustrative purposes only and is not intended to reflect an actual

investment or predict future returns. It is designed to illustrate themathematical concepts being discussed. An investment in any security will

Hypothetical Example: Married Couple Social Security TaxHypothetical Example: Married Couple Social Security Tax



2222

Hypothetical Example: Married Couple Social Security TaxHypothetical Example: Married Couple Social Security TaxSource: IRS tax form 1040 / Publication 17Source: IRS tax form 1040 / Publication 17

Deferred Income From an AnnuityDeferred Income From an Annuity

Interest (Deferred)Interest (Deferred) $(20,000)$(20,000)

Social SecuritySocial Security $20,000$20,000

PensionsPensions $30,000$30,000



Adjusted Gross IncomeAdjusted Gross Income $34,000$34,000

Taxable Income $15,100Taxable Income $15,100 Total Federal TaxTotal Federal Tax $1,510$1,510 $4,320 Tax$4,320 Tax

SavingsSavings


This example is provided for illustrative purposes only and is notintended to reflect an actual investment or predict future returns. Itis designed to illustrate the mathematical concepts being discussed.

An investment in any security will fluctuate in value and may be



2323

Does AnyoneDoes Anyone

Know What anKnow What an

Annuity Is?Annuity Is?•Annuity and Life Insurance products are issued by life insurance companies and are not insured bythe FDIC. They are backed by the claims paying ability of the issuing insurance company. Anywithdrawals may be subject to income tax and/or surrender charges and, prior to age 59½, a 10%federal penalty tax may apply . Withdrawals from the annuity are subject to ordinary income tax.

Variable Annuities:



2424

Variable Annuities:

Variable annuities are long-term investment vehicles designed for retirement where all

interest, dividends, and capital gains accumulate tax deferred. Taxable distributions and

certain deemed distributions are subject to ordinary income tax. Early surrender chargesmay also apply. In addition to tax deferral, variable annuities offer death benefits,

income protection benefits, annuity payout options, and professionally

managed equity based and fixed income investment options. Please note that there are

certain fees and charges associated with variable annuities such as mortality and expense

risk charges, administrative charges, and fund operating expenses. As with other

variable investments, the investment return and principal value of an investment will

fluctuate, therefore when redeemed, an investors units, may be worth more or less than

the original cost. In addition, any guarantees associated with the variable annuity are

based on the claims-paying ability of the issuing company and do not apply to the

investment performance or safety of the underlying funds in the variable annuity. The

prospectus contains details on the variable annuity, the sub accounts, the contractfeatures, the investment company, fees, charges, expenses and other pertinent

information. The prospectus can be obtained from your investment representative or the

issuing insurance company. Please read then carefully before you invest or send money.



2525

Fixed Annuities:Fixed Annuities:

Fixed annuities are a contract between you and anFixed annuities are a contract between you and an

insurance company. Fixed annuities are designedinsurance company. Fixed annuities are designedfor long-term investing to help meet retirement andfor long-term investing to help meet retirement and

other long-range goals. Fixed annuities are notother long-range goals. Fixed annuities are notsuitable for short term goals because substantialsuitable for short term goals because substantial

tax penalties and early surrender charges maytax penalties and early surrender charges mayapply if you withdraw your money early.apply if you withdraw your money early.

SANNUITIES



2626

ANNUITIESANNUITIES

AREARE

..

(PRIVATE RETIREMENT ACCOUNTS)(PRIVATE RETIREMENT ACCOUNTS)

P. R. A.'s

•Investing in a tax-advantaged retirement plan such as an IRA, you willget no additional tax advantage from the fixed or variable annuity. Under these circumstances, you should only consider buying a fixed or variableannuity if it makes sense because of the annuity's other features, such aslifetime income payments and Death Benefit protection. These features

can be purchased at an additional cost.



DID YOU KNOW THATDID YOU KNOW THAT

ANNUITIES AVOID

THEPROBATE

PROCESS???

IF YOU WANT TO POTENTIALLY



COME IN TOCOME IN TO

SEE US !SEE US !

IF YOU WANT TO POTENTIALLYKEEP TAX DOLLARS IN YOUR

POCKET AND NOT LET THEM GO TO THE IRS



2929

IN FORCE ILLUSTRATIONSIN FORCE ILLUSTRATIONS

LIFE INSURANCE

IF ANYONE IS UNHAPPY



IF ANYONE IS UNHAPPY WITH A CURRENT

ANNUITY OR LIFEINSURANCE CONTRACT,

YOU MAY HAVE A WAY OUT!

E X I TE X I TE X I TE X I TE X I TE X I TE X I TE X I TE X I TE X I T



HOW MANYPEOPLE HERE

KNOW ABOUTFORM 1035?

Tax Deferred exchange may not be appropriate for everyone. In most cases a new lifeinsurance and Annuity policy will have a new surrender charge schedule , which mayextend beyond that of the original policy. The cash value will be reduced by premiums

paid and other costs and charges for the new policy. There may be unfavorable taxconsequences caused by surrendering an existing policy, such as a potential tax on

outstanding policy loans.

HOW MANYPEOPLE HERE

KNOW ABOUTFORM 1035?

Tax Deferred exchange may not be appropriate for everyone. In most cases a new lifeinsurance and Annuity policy will have a new surrender charge schedule , which mayextend beyond that of the original policy. The cash value will be reduced by premiums

paid and other costs and charges for the new policy. There may be unfavorable taxconsequences caused by surrendering an existing policy, such as a potential tax on

outstanding policy loans.



ARE YOUR ANNUITY

CONTRACTS OR

LIFE INSURANCE

POLICIES DUE

FOR A CHECKUP?

Actual Premium will vary based on underwriting results based on age, gender, and state of health. Not all clients will

qualify for coverage. Death benefit is guaranteed by the claims paying ability of the issuing insurance company. The

issuing company’s credit rating should be considered when contemplating a purchase.



WE'LL LOOK AT THOSE

POLICIES FOR YOU

AT NO CHARGE!

IT IS A COMPLIMENTARY SERVICE WITH US !



OUR JOB IS TO HELP YOU TOACHIEVE THIS

IT 'S NOT ONLY

PRESERVATION OFPRINCIPAL...IT'S ALSO

PRESERVATION OF

"SPENDING POWER"



3535

Who’s BeenWho’s Been

Shopping CDShopping CD

Rates RecentlyRates Recently

YOU COULD LEAVE YOUR MONEY IN THE BANK BUT



YOU COULD LEAVE YOUR MONEY IN THE BANK BUTINTEREST EARNED MAY NOT KEEP UP WITH INFLATION

What is the Banks Job?

CD’s are FDIC insured and offer a modest fixed rate of return.

Alternatively, both the principle and yield on investment

securities may fluctuate with changes in market conditions.



OUR JOB

IS TO WORK

DIRECTLY

With

YOU!



WHAT IS THE DIFFERENCE BETWEEN

V O LA T I L I T Y V O LA T I L I T YAND

RISK?RISK?

V OLAT ILIT Y

V OLAT ILIT Y V O L AT I L I T Y

V O L AT I L I T Y



VOLATILITY

THIS IS GOING TO HAPPEN. IT’S THE NATURE OF

INVESTMENTS.

UPUP

DOWNDOWN

UPUP

DOWNDOWN



OUR JOB IS TO BE YOURANCHOR

AND TRY TOPREVENTCLIENTS

FROM TAKING THE

WRONG

STEPS



A RISK IS:

EROSION OF PURCHASING POWEREROSION OF PURCHASING POWER





April



50 YEARS AGO

Dwight D. Eisenhowerwas the 34th

Presidentof the United States.

61 2 3 4 5

7 8 9 1011 13

2014

21

1516

23

17

24

18

25

19

2627

12

April

22

AprilHous

Car:

Mil

Bread:

Stam

Gas:

Mini



61 2 3 4 5

7 8 9 1011 13

2014

21

1516

23

17

24

18

25

19

2627

12

April

22

50 YEARS AGO

House:$18,2

00

Car:$2,200.00

Milk:$0.

25/ Qt

Bread:$0.19Stamp:$0.0

4

Average Income:

$5,565.00

Gas:$0.30 /

Gal

Minimum

Wage:$1.00

Source: dmarie.com\timecap



ONE OF THE WAYS TO POTENTIALLY OBTAIN FINANCIALSECURITY IS BY INVESTING IN QUALITY LONG-TERM

FINANCIAL PRODUCTS EARLY ON

DON’T LET YOUR RETIREMENT BE AHOUSE OF CARDS

TOSEARC



WE CAN HELP YOU TOLOOK IN THE PROPER

DIRECTION

Y O U

D O N ’ T

H A V E T O SEAR C H O

N Y O

U R

O W N

• You should carefully consider investment objectives, risks, and charges and expenses of

Mutual Funds before investing. This and other information can be found in the fund'sprospectus, which can be obtained from your investment representative or by calling the fund



THE KEY IS WE

DON’T WANT TODRIFT OFF COURSE

Your Long Happy LifeYour Long Happy Life



4747

Your Long Happy LifeYour Long Happy Life

This example is provided for illustrative purposes only and isnot intended to reflect an actual investment or predict futurereturns. It is designed to illustrate the mathematical conceptsbeing discussed. An investment in any security will fluctuate

in value and may be worth more or less than the purchase



Percentage of Americans reaching age 65Percentage of Americans reaching age 65that will require Long Term Care Insurancethat will require Long Term Care Insurance

U.S. Department of Health & Human Services Centers forMedicare & Medicaid Services 2006. This example is providedfor illustrative purposes only and is not intended to reflect an

actual investment or predict future returns. It is designed to

60%40%



4949

Today's Long Term Care CostsToday's Long Term Care Costs

Average annual cost of a privateAverage annual cost of a privateroom in nursing home $70,912room in nursing home $70,912

Average annual cost of a privateAverage annual cost of a privateroom in an assisted living homeroom in an assisted living home$32,294$32,294

Average hourly rate for homeAverage hourly rate for homehealthcare aid $22.43healthcare aid $22.43

Source: 2006 Genworth Long Term Care Study



5050

To Protect Your Spouse From the To Protect Your Spouse From the

CostCost

To Protect Your Estate From The Cost To Protect Your Estate From The Cost

Two Reasons To Have LTC



5151

Three Funding OptionsThree Funding Options

Private InsurancePrivate Insurance – 2 Ways– 2 WaysAt what age & price?At what age & price?

MedicaidMedicaid

Can you qualify & still retain assets?Can you qualify & still retain assets?Self InsureSelf Insure

How long could you afford $70,912How long could you afford $70,912

per year?per year?



5252

Estate Planning For IRA’sEstate Planning For IRA’s

Legacy IRALegacy IRA

Maximize taxMaximize taxdeferraldeferral

The power of The power of compoundingcompounding

It is suggested that you consult with your tax, legal and/or financial services professional regarding your individual situation



OUTLOOK FINANCIAL GROUP CAN ASSISTIN GUIDING YOU THROUGH THE SUNSET OF

YOUR RETIREMENT



5454

WHEN YOUREALIZE THAT YOU CAN’T

REALLY TAKE ITALL WITH YOU,

IT’S TIME FOR AGOOD FINANCIAL

PLAN TO HELPMAXIMIZE YOUR

ESTATE ANDMINIMIZE TAXES

Representative is not an attorney but can help review the documents and recommend a local attorney that specializesRepresentative is not an attorney but can help review the documents and recommend a local attorney that specializes

in Estate planning. Estate planning can involve a complex web of tax rules and regulations. You should consider thein Estate planning. Estate planning can involve a complex web of tax rules and regulations. You should consider the

counsel of an experienced estate planning professional regarding your individual situation before implementing anycounsel of an experienced estate planning professional regarding your individual situation before implementing anystrategy.strategy.

WHY HAVE A LIVING



WHY HAVE A LIVINGTRUST AND WHAT IT

SOLVES?AVOIDS STATE MANDATED

ATTORNEY’S FEES

AVOIDS ADMINISTRATIVECOSTS

AVOIDS GUARDIANSHIPPROBLEMS

AVOIDS UP TO A 2 1/2

AVOIDS PROBATE



CELEBRITY

ESTATES

EXAMPLES OF ESTATES



EXAMPLES OF ESTATESWITH

BAD PLANNING ORNO PLANNING

No Liv ing T r ust or Est at e Insur anc

e

Marilyn Monroe



GROSS ESTATE $819,176

TOTAL COSTS 448,750NET ESTATE $370,426

*Includes Delinquent Federal Income Taxes **No

Marital Deduction

SETTLEMENT COSTS*Debts ($118,000) $274,366Attorney’s Fee 10,000Executor’s Fee 10,000

CA & NY Inheritance and Estate Tax 13,392**Federal Estate Tax 140,992

TOTAL COSTS $448,750

CASH IN ESTATE = $2,605 55% SHRINKAG

Marilyn Monroe

CASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAGCASH IN ESTATE = $2,605 55% SHRINKAG

Source: Public Probate Records (DOD: 8/5/62)

Elvis Presley



*GROSS ESTATE ($63,660) $10,165,434

TOTAL COSTS 7,374,635NET ESTATE $2,790,799

**No MaritalDeduction

SETTLEMENT COSTSDebts $3,832,552Administration Expense 114,563Attorney’s Fee 18,000Executor’s Fee 70,000CA & TN Inheritance and Estate Tax 553,935**Federal Estate Tax 2,785,585

TOTAL COSTS $7,374,635

CASH IN ESTATE = $1,933,759 73%

SHRINKAGE

y

*Life Insurance Included

CASH IN ESTATE = $1,933,759 73%

SHRINKAGE

CASH IN ESTATE = $1,933,759 73%

SHRINKAGE

CASH IN ESTATE = $1,933,759 73%

SHRINKAGE

CASH IN ESTATE = $1,933,759 73%

SHRINKAGE

CASH IN ESTATE = $1,933,759 73%

SHRINKAGE

CASH IN ESTATE = $1,933,759 73%

SHRINKAGE

CASH IN ESTATE = $1,933,759 73%

SHRINKAGE

CASH IN ESTATE = $1,933,759 73%

SHRINKAGE


EXAMPLES OF WHAT



EXAMPLES OF WHATINTELLIGENT ESTATE

PLANNING CAN DOFOR YOU

Liv ing T r ust & Est at e Insur ance

Donna Reed



*GROSS ESTATE $800,000

TOTAL COSTS 34,300NET ESTATE $765,700

*Figures approximate. Estate not closed at time of publication

** Marital Deduction (Estimated estate tax without

SETTLEMENT COSTSDebts $ UnknownAttorney’s Fee 17,150Executor’s Fee 17,150

**Federal Estate Tax ($254,423) None TOTAL COSTS $34,300

4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG4% SHRINKAG


Ted Knight



g

GROSS ESTATE $4,020,226

TOTAL COSTS 46,031NET ESTATE $3,974,195

*Full Marital Deduction (Estimated estate tax without

marital deduction.)

SETTLEMENT COSTSDebts $5,000Attorney’s Fee 41,031Executor’s Fee Waived

*Federal Estate Tax ($1,826,607) None($1,800,000 Irrevocable Trust)

TOTAL COSTS $46,031

CASH IN ESTATE = $157,935 1%

SHRINKAGE


SHRINKAGE


SHRINKAGE


SHRINKAGE


SHRINKAGE


SHRINKAGE


SHRINKAGE


SHRINKAGE


SHRINKAGE


S G



PLEASE, GRANDPA,MAKE A SOUND LIKEA FROG?

THE GOVERNMENT TAKES UP TO 45% ON



YOUR FAMILY WILL REMAIN WITHONLY THIS!

ALL ESTATES OVER $2,000,000

Taxpayer Relief Act of 1997 on the Unified Credit Exemption equivalent.

IF YOU HAVE A SUBSTANTIAL IRA ALONGO G S



YOUR FAMILY WILL REMAIN WITHONLY THIS!

WITH A MODERATELY LARGE ESTATE

OURGOVERNMENT CAN TAKE

UP TO 80%AND LEAVEONLY THE

REST TO THEHEIRS

Taxpayer Relief Act of 1997 on the Unified Credit Exemption equivalent.

IF YOU HAVE AN ESTATE OVER



IF YOU HAVE AN ESTATE OVER$2,000,000 YOU CERTAINLY SHOULD

COME IN TO HAVE A PRIVATECONSULTATION TO LEARN ABOUT

WAYS TO POTENTIALLY REDUCE YOUR

FEDERAL ESTATE TAXES



IF YOU’RE LOST IN

THE WOODS WITH YOUR

INVESTMENTS,

IT’S TIME TO SEEK

PROFESSIONAL

GUIDANCE OUTOF THE FOREST.

DOES YOUR



WHEN WAS THELAST TIME

YOUR

PORTFOLIOAND YOUR TAXES

WERE REVIEWED

DOES YOURPRESENT ADVISOR

KEEP YOU INFORMED?



THE REST OF

THE STORY!



We organize your portfolio

We aim to maximize yourreturns

We serve you with a TEAM of dedicated planners &

assistants

We seek to simplify your

financial life



We assist you in making

financial decisions You can expect one-on-oneservice from our entire team

You receive personal face-to-

face reviews available every

You get monthly statements

ALL OF THESE SERVICES . . .



ARE JUST THE TIP OF THE ICEBERG

IN WHAT WE CAN DO FOR YOU!

ALL OF THESE SERVICES . . .

DON’T BE COMPLACENT ABOUT YOUR



DON T BE COMPLACENT ABOUT YOURFINANCES

SITTING ON YOUR DUFF WON’T

DO IT

REMEMBERREMEMBER



7474

REMEMBERREMEMBER

ILURE TOILURE TO

PLANPLANIS A PLAN TOIS A PLAN TO

FAIL!FAIL!

OUR BUSINESS IS ALL



ABOUT TRUST

AND YOU TOOWILL SEE

THAT WE AREWORTHY OF

YOUR TRUST

PUT USUNDER ANY

MICROSCOPE

HOW LONG DO YOU



HOW LONG DO YOUTHINK YOU WILL RETAIN

ALL WE’VE SPOKENABOUT TODAY ? ? ?

THE LIST OF ITEMS TO



BRING TO YOUR FIRST

CONSULTATION: LATEST TAX RETURN

FINANCIAL STATEMENTS

ANNUITY POLICIES

INSURANCE POLICIES

Seminar Worksheet Name ____________________________ Age ______



PLEASEPLEASECOMPLETECOMPLETE

THE BOTTOM THE BOTTOMPORTION OFPORTION OF

THE THE

WORKSHEETWORKSHEET

Thank you

Address _____________________________________

City & State ______________________ Zip ______

Phone ___________________________ Date ______

I Would Like To Learn More About :

( ) How to lower my present taxes

( ) Greater Income on my Savings & CD’s

( ) IRA & 401K

( ) Long Term Health Care

( ) Annuities

( ) Analyze my Insurance Policies

( ) Mutual Funds( ) Portfolio Consultation ( ) Estate Planning

( ) Other _________________________________

The Best Time For My Complimentary Consultation

Morning Afternoon

Monday

Tuesday

Wednesday

Thursday

Friday



WE APPLAUD YOU ANDTHANK YOUFOR ATTENDING OUR

SEMINAR

Securities and Advisory Services offered through SMH Capital, Inc.Securities and Advisory Services offered through SMH Capital, Inc.

Member FINRA/SIPCMember FINRA/SIPC

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SEMINAR - Retirement Challenges

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