Help Create the Life You Want and

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Help Create the Life You Want and Recession
Proof Retirement Income
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Wealth 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)
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Can We Agree?

• May not be able to agree now
• After the presentation, grade us

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Can We Agree?

• Higher quality of life.
• No perfect investment.
• Resist thinking all or none when it comes to
  your money.
• Invest early and often.

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Can We Agree?

• Having a plan for your income is better than not
  having one.
• Build a recession proof retirement income
  stream.
• Paying a minimum amount of income tax.
• Modern Portfolio Theory

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Can We Agree?

• Protect your assets with insurance and annuities
  (i.e. life insurance, long term care, guaranteed
  income streams).
• Have the right legal documents in place.
• Its not so much what you make, its what you
  keep.
• Successful people apply these principles.
• Guarantees are backed by the claims paying
  ability of the issuing company.

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Millionaire Mindset

• From Millionaire Women Next Door by Dr. Thomas
  Stanley
• Not because they are lucky or won lottery,
  inheritance, etc.
• Buying habits of millionaires
• Average 50 year old
• 5 million dollar net worth
• Average price watch
• 1,220
• Average price car
• 38,685
• Average pair of shoes
• 137

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Have You All Gone Mad?
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Dont 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
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Stay Invested
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Stay Invested
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Stay Invested
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Stay Invested
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Stay Invested
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Dont Fall in Love with Any Holding or Stock

• Do not let any one asset class, or asset,
  overtake your portfolio, including your company
  stock.
• Consider all holdings as a percent of your total
  assets.

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Modern Portfolio Theory
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Modern Portfolio Theory
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Hire Proactive Advisors

• Active versus Passive Advisors
• Advisors who take orders
• Or, advisors who ask thought-provoking questions.

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13 Wealth Management Issues

• Investments
• Insurance
• Liabilities
• Qualified Retirement Plan/IRA Distribution Plan
• Stock Options
• Business Succession Plan
• Durable Power of Attorney at Incapacity
• Gifting to Children/Descendents
• Charitable Gifting during Life
• Titling of Assets
• Selection of Executor/Trustee
• Distribution of Executor/Trustee
• Charitable Inclinations at Death
• www.wealthstrategyadvisors.net

AGE-38351 (12/06)
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Invest Early and Often Start Now
John invests at age 27 (with a 10 hypothetical annual return.) John invests at age 27 (with a 10 hypothetical annual return.) John invests at age 27 (with a 10 hypothetical annual return.) John invests at age 27 (with a 10 hypothetical annual return.) John invests at age 27 (with a 10 hypothetical annual return.) 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.
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Invest Early and Often Start Now
Jim invests at age 19 (with a 10 hypothetical annual return.) Jim invests at age 19 (with a 10 hypothetical annual return.) Jim invests at age 19 (with a 10 hypothetical annual return.) Jim invests at age 19 (with a 10 hypothetical annual return.) Jim invests at age 19 (with a 10 hypothetical annual return.) 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      
John's earnings beyond investment 1,207,777.67
Jim's earnings beyond investment 1,528,739.35
Jim earns 320,961.68 more than John.
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.
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Recession Proof Retirement Income
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Recession Proof Retirement Income
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Recession Proof Retirement Income
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Recession Proof Retirement Income
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Recession Proof Retirement Income
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Time

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

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Checklist of Agreements

• Higher quality of life.
• There is no perfect investment.
• Resist thinking all or none when it comes to
  your money
• Invest early and often.

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Checklist of Agreements

• Having a plan for your income is better than not
  having one.
• Build a recession proof retirement income stream.
• Paying as little income tax as legally possible.
• Modern Portfolio Theory

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Checklist of Agreements

• Protecting your assets with insurance (i.e. life
  insurance, long term care, guaranteed income
  streams).
• Having the right legal documents in place.
• Its not so much what you make, its what you
  keep.
• Successful people apply these principles.

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Did we make the grade?

• Did we make a compelling enough case?
• If you didnt believe in the statements in the
  beginning, and you do now, what caused the shift
  in thinking?

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Recession
Recess
is
on
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• If you dont apply these principles to create the
  life you want
• What will you do?