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					                      Diversified
                      Brokerage
                    Specialists, Inc.
                     Income and Asset
Making Guarantees
                     Recovery Seminar
      NOT                      By

 Taking Chances      Bob Hertsenberg , CSA
                      Diversified Brokerage
                         Specialists, Inc.
Types of people that could benefit
  by this planning technique:
 People who are tired of losing money, who would like
 to increase their monthly income and significantly
 reduce their taxes.
 Or people that are not sure if they need help but they
 want
 ―NO LOSS - GUARANTEED‖
                 Reality!
• Making certain you don’t run out of money
  in retirement is even more important than
  investment planning! It is the single most
  important issue to address in retirement.
• Seniors have lost billions!
• The senior does not have the time to wait.
       Who Am I?
 I’m a Problem Solver!!!

   I’m a Specialist In Retirement
Income Planning & Defensive Asset
        Allocation Planning
 TODAY, I’LL WILL SHOW YOU...

• How to mathematically design your
  portfolio so you never run out of
  money or lose money.

• How ANNUITIES can increase
  your monthly income and reduce
  your taxes.
I Guarantee You Will Want
To Make Some Changes To
      Your Portfolio

 BUT YOU MUST MAKE
 AN APPOINTMENT TO
      BENEFIT.
  It’s Time For the Safety of
Tax-Deferred Fixed Annuities!


  TIME TO
MAKE MONEY
   AGAIN.
     What is a Fixed Annuity?
• A Fixed Annuity is an investment contract between
  you and the insurance company, much like a CD is a
  contract between you and the bank. A Fixed Annuity
  guarantees your assets and interest, and/or guarantees
  a stated income for a specified period of time.

• Your money is held in trust with a custodian bank
  and those assets are insured by the insurance
  company.

• All interest is tax deferred until withdrawn. It is
  then taxed at your tax rate.
    ANNUITIES HAVE...
• NO Current Federal Tax
• NO Current 1099
• NO Probate
• NO Commissions Charged
  Against Your Principal
      Types of Annuities
• Fixed Annuities

• Immediate Annuities

• Bonus Annuities

• Fixed Equity Index Annuities

• Variable Annuities – ?
   Are You Interested In
      Guarantees???
Or Are You Willing To Gamble Your
       Retirement Away???
   Would you buy this investment
            property?
                 Price $250,000
Guaranteed In Writing:
•NO Annual Fees
•NO Repairs
•NO Taxes Until Property is Sold
•And In Five Years The Bank Will Buy Back The
Property For $319,070
•How Many People Would Be Interested In Buying
This Property?
 And You Can Buy That
Property Without Paying a
Commission—Right Now!
         Because I’ve Just
            Described a
            Five-Year,
           5% Interest,
          Tax-Deferred,
          Fixed Annuity!
Is A Fixed Annuity Suitable
       For Everyone?
       Can I Get At My Money?

• YOU CAN ANNUITIZE PENALTY FREE


 YOU CAN WITHDRAW INTEREST ONLY

• YOU CAN TAKE 10% EVERY 12 MONTHS
  PENALTY FREE


• YOU CAN TAKE OUT 70% EVERY 12 MONTHS
  FOR CUSTODIAL CARE AND 20% FOR HOME
  HEALTH CARE PENALTY FREE
       Additional Information…
• Your money will pass immediately to your
  chosen beneficiary using an annuity.
• Your beneficiary will avoid legal fees, court
  costs, and considerable time delay through
  the use of annuities (since annuities avoid the
  probate process).
• Unlike a ―will,‖ no one may contest your
  decision as to who will receive your money
  if you invest in an annuity.
       The Safety of Annuities




                Ratings
1. AM Best           A++
2. Standard & Poors AA+
3. Weiss             A+
  Two-Thirds of Brokerage Firms
  Continued to Recommend Failing
            Companies
• Among the 30 brokerage firms that covered companies
  filing for bankruptcy between September 1 and
  December 31, 2002…20 of the firms (or 66%) continued
  to recommend that investors buy or hold companies right
  up to the day they filed for Chapter 11, according Weiss
  Ratings, Inc.
No    Sales Charge

No    Management Fees

No    Expense Charges

No    Taxes on gains as long as they
remain within the contract
DO YOU HAVE ENOUGH
     MONEY FOR
    RETIREMENT?
I Know Many of You Recently
            Lost
    Between 15% to 30%
    Anyone for a Change?
          Retirement Downsides

• Longevity is the number one risk facing retirees, and
  many don’t realize it. A 65 year old male has a 25%
  chance of living beyond age 92, and a female has a 25%
  chance of living beyond age 94.
• Market downturns at the beginning of retirement
  (65 – 75) can significantly reduce how long a retirees
  nest egg will last. This fact gets ignored when retirees
  estimate how long their money will last using an
  average rate of return, coupled with fact of not solving
  for the recovery of their principal…before investing in
  assets that may risk their retirement principal.
What Does a Doctor Do When You
 Go To The Emergency Room?
  Stabilizes The Bleeding (the losses).
          That’s What We Do.
    MY JOB IS TO ANALYZE
   and give my FREE opinion on
YOUR PORTFOLIO WEAKNESSES,
  SO YOU CAN REMOVE THESE
 PROBLEMS BEFORE THEY GET
             WORSE.
  I do not give advice or recommendations for the purchase of
  securities…only free opinions on what should be sold and
 reinvested in fixed annuities. My job is to make certain that
―nincompoops‖ don’t destroy your hard-earned money—and
                       I do this for free!
• WOULD YOU LIKE TO HAVE MORE
  INCOME?

• WOULD YOU LIKE TO PAY LESS
  TAXES?

• WOULD YOU LIKE BOTH?
      Mathematical Solutions

•   Increased Income
•   70 to 90% Tax Free Income
•   Growth Without Risk
•   NEVER Outlive Your Money!
                  Is This Possible?   A MAP!
                        YES!
              But Only If You Have…
The Annuity Exclusion Rule
         and the
          MAP.
The Retirement Battle Plan.
 The Annuity Exclusion Ratio:
  If payment under an annuity is
payable at regular intervals over a
 period of more than a year from
      the starting date (P1371)
 (Reg 1.72-2B) all or part of it
may be tax free which is a return
            of principal.
       Excess is fully taxable.
(Code SEC 72-b-1,Reg 1.72-4-A)
          MAP can be…
• Designed for immediate income

• Designed to defer income for a later
  time

• Designed just for defense-no income

• Designed to solve IRA problems
   MAP programs can be
  designed from $50,000 to
     several million using
 nonqualified assets, TSA and
IRA assets, Roth assets, 401k,
   and other pension assets.
      Quote From
   John D. Rockefeller

―Why Pay Taxes On Money
 That You Don’t Need?‖
  Annuities Can
Eliminate or Limit
  Social Security
    Taxation
  Social Security
        Tax
1935      FDR     64.5    65     ???!!!
1982?    50% of Social Security Benefits
           Taxed!
1993?    85% of Social Security Benefits
           Taxed!
       Clinton Revenue Allocation Plan

                C. R. A. P.
  You can make more
money by saving money
in taxes than you can by
 making more money!!
     Taxes Before a MAP Program
The client has:

• $543,273 invested in a portfolio…
•   + $54,327.30 in a money market.
•   + $325,963.80 in CD’s.
•   + $54,327.30 in single securities.
•   + $108,654.60 in municipal bonds.
         1040 – Short Over-view
          Married Filing Jointly

•   8a – Taxable Interest…………………$4,357
•   8b – Tax-exempt Interest…………….$5,106
•   9a – Ordinary Dividends………………$3,074
•   16b – Pension and Annuities…………$28,000
•   20a – Social Security Benefits…$20,200
•   20b – Taxable Social Security Benefits..$17,170
•   34 – Adjusted Gross Income…..$52,601
    1040 – Short Overview – Cont.
•   35 – Adjusted Gross Income…………..$52,601
•   37 – Standard Deduction………………$9,500
•   39 – Total Exemptions…………………$6,000
•   40 – Taxable Income………………= $37,101
•   60 – Total Tax………….………… = $4,869
•   72 – Tax Liability (Amount You Owe) =
    $4,869
TAXES AFTER A CLIENT
HAS MOVED HIS MONEY
       INTO A
     MAP Program
    Money is Moved into a MAP
 Program in the Following Manner:

• $117,604.39 is placed in an Immediate Annuity,
  which produces $24,234 in income per year, but
  only 10% is taxable so only $2,423 is included on
  the 1040.

• $425,668.61 is placed in three Deferred Annuities,
  mathematically structured, which is not included not
  on your 1040 since it’s tax deferred.
    1040 – After MAP Engagement
•   8a – Taxable Interest…………………..$0.00
•   8b – Tax-exempt Interest………………$0.00
•   9a – Ordinary Dividends………………..$0.00
•   16a – Pension and Annuities…………. $30,423
    ($28,000 Pension + $24,234 in Annuity Income =
    $52,234 gross. Approx. 10% of the $24,234 is Taxable,
    So…$28,000 + $2,423 = $30,423.)
20a – Social Security Benefits…$20,200
20b – Taxable Social Security Benefits…$4,950
  (Since 8a, 8b and 9 are taken out of the total
  provisional income…it significantly reduces line 20b.)
34 – Adjusted Gross Income…………………..$35,373
     1040 – After MAP Engagement –
                  Cont.
•   35 – Adjusted Gross Income…………….$35,373
•   37 – Standard Deduction………………..$9,500
•   39 – Total Exemptions…………………..$6,000
•   40 – Taxable Income…………………= $19,873
•   60 – Total Tax………………………. = $2,281
•   72 – Tax Liability (Amount You Owe) = $2,281
                Summary
• Before MAP        •   After MAP
• Net $55,868       •   Net $70,153
• $4655 per month   •   $5846 per month
                    •   +1191 more per
                        month!
 You can make more money by saving
money in taxes than you can by making
            more money!!
Think about this…
I can significantly increase your monthly income
stream—if you need it.
And I can reduce your taxes drastically!
I can design a portfolio for you for
growth with NO Risk!

I can mathematically redesign your
portfolio so you’ll
never run out money!!
 Please remember
       It’s not
just what you earn…
 it’s what you keep
     that counts!
 It’s important that you
        plan ahead.
You need to
have a
retirement
income plan or
―backup‖ plan    I Wish I
                 Had a Plan!
in case of a
market
disaster.
     LET ME DESIGN A
RETIREMENT PLAN FOR YOU!

     I will make certain you
   never run out of MONEY IN
RETIREMENT or get destroyed by a
          market disaster.
 IF YOU WANT TO INCREASE
YOUR MONTHLY INCOME AND
   REDUCE YOUR TAXES...




THEN MAKE AN APPOINTMENT
Concerning Your Current
        Agent…
 Does your agent make your
hard earned money disappear?
     Then get rid of him.
Has Your Financial Advisor Designed
    Your Portfolio Against Loss?
• Has your planner designed your portfolio
  so you’ll never run out of money in
  retirement?
• Has your planner designed your portfolio
  to significantly reduce income taxes?
• Then make an appointment!
     YOU MUST REALIZE...
• Your current agent will give a negative
  opinion of your doing anything outside
  the scope of your current portfolio, and
  he will do everything within his power
  so that you do nothing!
• Give us the opportunity to help you
  succeed where others have failed or
  their performance was lackluster!
     What should you expect?
• Carefully constructed Mathematically
  Correct plan for YOUR retirement income
  and/or a defensive asset allocation plan.
• A design by which you can NEVER lose
  money and gives you growth with NO
  RISK!
• Most IMPORTANTLY – A plan that will
  GUARANTEE that you will never outlive
  your money!
IF YOU GAINED SOMETHING
 FROM THIS INFORMATION
  PLEASE RECOMMEND US
       TO A FRIEND
IF YOU WANT TO REDUCE YOUR
     TAXES, INCREASE YOUR
  INCOME, and MAKE CERTAIN
YOU DON’T RUN OUT OF MONEY
   IN RETIREMENT, THEN YOU
          MUST TAKE

				
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