VIEWS: 2 PAGES: 17 POSTED ON: 3/23/2010
Expanding Your Vision! JP & Associates Consulting Services, Inc. We are a multi-service financial and real estate consulting firm providing education and professional guidance in the following areas: Investments Mortgages Real Estate Insurance Credit Report Analysis JP & Associates Consulting Services, Inc. • A combined 25 plus years of Financial Services & Real Estate experience. • Incorporated. • Expanding Nationwide • Currently on an aggressive North East expansion! JP & Associates Consulting Services, Inc. Our Partners: HBW Insurance & Financial Services, Inc. Syndicated Capital Inc. Financial Equities Mortgage Bankers Access General Agency Keystone Realty U.S.A. JP Credit Report Analysis Services Some of Our Carriers: C.N.A. Hanover American General Chubb ING Hartford Prudential Financial Commercial Mutual U.S. Life of NY Kemper auto & Home (member AIG) Encompass insurance United of Omaha Met Auto & Home William Penn Life Fireman’s Fund St. Paul Travelers Zurich Kemper Life Foremost and more!! G.M.A.C. Some of Our Services: • Annuities • Mortgage Qualification • Life Insurance • Refinancing • Long-term Care • Commercial Loans • Mutual Funds • Group Health • 401(k) Plans • Individual Health • IRAs • Auto Insurance • College Saving Plans • Homeowners Insurance • Real Estate Services • Disability Insurance • Credit Report Analysis • Credit Card Solutions • Business Insurance • Mortgage Modification Our Mission: To help families build wealth, eliminate debt, own property, protect their assets and achieve financial independence through business ownership. Our Responsibilities We have two responsibilities: 1. Helping our clients to reduce debt, protect their assets and to show them how to properly build their wealth through the management of their personal finances. 2. Finding good quality people to help our company expand through the JP& Associates Consulting Services full or part-time business opportunity. Is There a Need for Trusted Advisers? • 7 in 10 workers (70%) expect to work past retirement because of lack of savings. Kiplinger’s, April, 2007 • 46.2% of all families now carry a credit card balance. This is up from 44.4% in 2001. Federal Reserve, April 1, 2006 • The savings rate for 2006 was a negative 1%, meaning that not only did people spend everything they earned but they also dipped into savings or increased borrowing to finance purchases. USA Today, February 1, 2007 • Personal bankruptcies have nearly doubled to 1.2 million per year with credit-card debt as the significant factor. SmartMoney, November, 2006 • Credit cards usage is widespread, with some 1.5 billion in circulation in the U.S.--5 for every American. Last year Americans used nearly 700 million credit cards to purchase more than $1.8 trillion in goods and services. U.S. Government Accounting Office, December 4th 2006 Do you have a personal program to get out of debt and retire financially independent? How Money Works PROTECT YOUR ASSETS, CHOOSE THE RIGHT INVESTMENTS AND REDUCE TAXATION Families need reliable financial education! The Rule of 72: Power of Compound Interest This simple calculation gives you the approximate number of years it will take to double your investment. Number 3% 6% 12% of Years 0 $10,000 $10,000 $10,000 6 $20,000 12 $20,000 $40,000 18 $80,000 24 $20,000 $40,000 $160,000 30 $320,000 36 $80,000 $640,000 Based on The Rule of 72 a one time contribution of $10,000 doubles five more times at 12% than at 3% How many doubling periods do you have in your life? The Difference We Can Make Old Plan (before) New Plan (after) Mortgage P&I $ 2,400.00 Mortgage Consolidation $ 2,708.18 Car payment $ 289.00 Car payment $ 0.00 Credit cards $ 360.00 Credit Cards $ 0.00 Insurance (Life) $ 135.00 Revised Life coverage $ 51.00 Home & Auto Ins. $ 241.00 Home & Auto Ins. $ 175.00 Retirement savings $ 0.00 New Outlay $ 2934.18 Educational savings $ 0.00 New Savings $ 490.82 Total Outlay $ 3,425.00 No additional tax deductibility Tax deductibility through consolidation No savings Multiple interest rates eliminated Savings possible By restructuring this client’s debt, we have found an extra $490.82 How would they feel about you? Old plan’s Mortgage balance of $327,080.29 @8% 27Yr. Consolidation refinance balance of $369,080.29 @ 8% 30Yr. Car Note balance of $15,000 @ 6% Includes all principal consolidated balances and closing costs. Credit Card balance of $18,000 @12% Min Payment (2% of bal.) Sample clients are both 34 years old with one child Old policy type: $150K Permanent WL standard risk AIG term 30 year $250K guaranteed term preferred best policy Auto and Home Ins. with two separate companies Auto and Home Ins. with Kemper as a package We Don’t Stop There $490.82 Select a Bi-Weekly Mortgage Choose a retirement vehicle Apply $200 back into the loan Save the remaining $290.82 This is called Principal Acceleration, Most people have yet to start saving because their money is going into debt rather than The entire amount is applied directly towards savings. principal balance. The Rule of 72 is now working for you with Combined with a Bi-Weekly Mortgage the possible tax deferral. results are outstanding! A 30 Year Mortgage is now reduced to Retirement is no longer in question, approximately 18 years without any it is certain! extra expenses. $290.82 monthly invested at 10% for 33 years will accumulate $913,703.93 Also, as you pay down your Mortgage with acceleration you save thousands of dollars in interest , accumulate equity faster and retire without a Mortgage hanging over you. Our Other Services 1st Mortgages & Real Estate Services • Through are partner companies, we are a true “One Stop Shop” to home ownership! • Help families plan for, qualify for and find a home of their dreams (the right way)! Many people are looking for the opportunity to advance and have ownership potential. To express their entrepreneurial spirit. To be able to earn a significant pay raise doing something they love and that truly helps people. If you are one of those people, we are looking for you! Solutions Summary Can you see yourself sharing this information with others? What prevents people from achieving their goals and dreams? -Not enough money to reach them! Only two other options: 1- Give up or reduce your goals and dreams OR 2- Make more money by getting a significant raise or doing something in addition to or instead of your current career. The fact is that people will always need someone to help them with the many areas of financial services. Your own family and friends need the help Is there any logical reason why it cannot be you? What You Would Have Earned Compensation Levels Commissions paid on solutions shown before Loan Insurance P&C Investment Totals Representative $ 1808 $ 336 $ 126 $ 55 $2325 Vice President $ 3616 $ 612 $ 189 $ 140 $4557 VP Overrides $ 1175 $ 276 $ 63 $ 90 $1604 The key is to hire and train new representatives How many licensed Reps do you want working with you? Enjoy the tax deductions of a business Help people to reach their goals and dreams Have a spare career in your own terms with a very low start up investment Become the trusted adviser of your community Are you totally satisfied with the last five years of your life? Where do you want to stand financially within the next five years? Is being financially independent important to you? Time to Make a Choice How to get started Set up a follow-up appointment with the representative who referred you. A background check will be performed (criminal record may disqualify you) Have a complimentary financial make over done by one of our professionals, to find out where you are Financially, where you need to be and to provide a step by step program to get there for you and your family. Learn from your trainer. Let’s Summarize Are all our carriers credible and secure? Is there a need for what we do? Do our services help people? I don’t have much time, can I still do it? I don’t have experience, can I learn how? If you are the kind of person who wants to become financially independent and are looking for the freedom to do more and be more in life then we welcome you. JP & Associates Consulting Services is the right place and this is the right time!
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