5/15/2018 Jason L Smith The Bucket Plan: Protecting and Growing Assets for a Worry Free Retirement Handouts Please Stand 1

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1 2018 MDRT Annual Meeting e-handout Material Title: Speaker: The Bucket Plan: Protecting and Growing Assets for a Worry-Free Retirement Jason L Smith Presentation Date: Monday, June 25, 2018 Presentation Time: Session Room: 2:00-3:00 p.m. The NOVO The Million Dollar Round Table (MDRT) does not guarantee the accuracy of tax and legal matters and is not liable for errors and omissions. You are urged to check with tax and legal professionals in your state, province or country. MDRT also suggests you consult local insurance and security regulations and your company s compliance department pertaining to the use of any new sales materials with your clients. The information contained in this handout is unedited; errors, omissions and misspellings may exist. Content may be altered during the delivery of this presentation Million Dollar Round Table Million Dollar Round Table 325 West Touhy Ave. Park Ridge, IL USA

2 5/15/2018 Jason L Smith The Bucket Plan: Protecting and Growing Assets for a Worry Free Retirement Handouts Please Stand 1

3 5/15/ Do you have a Documented Financial Planning Process? 2 3 Are you being paid Planning Fees to take people through your process? Are you a Top of the Table Member? 2

4 5/15/2018 Simplify Financial Planning Capture All Assets and Opportunities Differentiate Yourself from Other Advisors Provide a Written Plan Meet the Best Interest Standard Financial Health Scorecard Financial Health Scorecard 3

5 5/15/2018 Best Fact Finder In The Universe! World! Are If there we were any sitting concerns, here fears three or years dangers that may from hold today, you back looking from back reaching to today, these goals? what would need to have happened Hypothetically, for you to feel if there happy were about something the that kept progress you up at that night, you what have made? might that be? 4

6 5/15/2018 What are the three most important values you have tried to teach to your children that you would want them to teach your grandchildren? How important is it to leave a legacy for your heirs? 5

7 5/15/2018 If given the choice, would you rather have the opportunity to be rich or the guarantee you will never be poor? Tell me about the best investment you ve ever made. And what was the worst investment you ve ever made? What is the most important thing to you when you think about your money? 6

8 5/15/2018 Has anyone ever developed a written financial plan for you? Do you have a FINANCIAL ADVISOR? How long have you been working with him/her? How would you rate that relationship? On a scale of 1-5 (5 Great Relationship/1 Unhappy) Do you work with an INSURANCE AGENT for life, long-term care, or disability insurance? If so, who is the agent and how would you rate the relationship? On a scale of 1-5 (5 Great Relationship/1 Unhappy) 7

9 5/15/2018 Do you work with AN ATTORNEY FOR YOUR ESTATE PLANNING? If so, who is the attorney? How would you rate the relationship? On a scale of 1-5 (5 Great Relationship/1 Unhappy) Who PREPARES YOUR TAX RETURN? How long have they been preparing your return(s)? What do you pay to get them prepared? How would you rate the relationship? On a scale of 1-5 (5 Great Relationship/1 Unhappy) The Bucket Plan Best Interest Process 8

10 5/15/2018 The Bucket Plan Best Interest Process Money Cycle Accumulation Accumulation Preservation Distribution Distribution The Bucket Plan Best Interest Process 9

11 5/15/2018 The Bucket Plan Whiteboard Video The Bucket Plan Philosophy 10

12 5/15/2018 The Bucket Plan Best Interest Process Asset Sheet Questionnaire Asset Sheet Questionnaire 11

13 5/15/2018 Asset Sheet Questionnaire Asset Sheet Questionnaire Asset Sheet Questionnaire 12

14 5/15/2018 Asset Sheet Questionnaire Asset Sheet Questionnaire The Bucket Plan Best Interest Process 13

15 5/15/2018 How much of this income gap do you want guaranteed in your financial plan? ( ) ( ) The Bucket Plan Best Interest Process Volatility Tolerance Analysis 15 Conservative 27 Growth 14

16 5/15/2018 The Bucket Plan Best Interest Process The Bucket Plan Now Soon Later Safe & Liquid Conservative & Income Long-Term Growth & Legacy Planning Income O-12 Mos. Emergency/Comfort Fund Planned Expenses Income or Withdrawals Inflation Hedge Growth LTC/Disability Inheritance THE BUCKET PLAN is a registered trademark of C2P Capital Advisory Group, LLC, and is used with permission. The Bucket Plan Graphic is Copyright 2009 by C2P Capital Advisory Group, LLC. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the C2P Capital Advisory Group, LLC. 15

17 5/15/2018 The Bucket Plan Now Soon Later Safe & Liquid Conservative & Income Long-Term Growth & Legacy Planning Income O-12 Mos. Emergency/Comfort Fund Planned Expenses Income or Withdrawals Inflation Hedge Growth LTC/Disability Inheritance THE BUCKET PLAN is a registered trademark of C2P Capital Advisory Group, LLC, and is used with permission. The Bucket Plan Graphic is Copyright 2009 by C2P Capital Advisory Group, LLC. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the C2P Capital Advisory Group, LLC. 61 Year Old Couple The Bucket Plan Wants to retire in 1 year Now Soon Later $ 1,730, , , ,000 Emergency Fund (Bank) $70,000 Wedding (Bank) $55,000 Income O-12 Mos. Emergency/Comfort Fund Planned Expenses Income James IRA (Income Annuity) $500,000 Inflation Hedge Kim IRA (Conservative Portfolio) $125,000 Income or Withdrawals Inflation Hedge James IRA (Growth Portfolio) $100,000 Kim IRA (Growth Portfolio) $175,000 James Roth (Growth Portfolio) $100,000 Joint Post-Tax (Tax Managed Growth Portfolio) $605,000 Growth LTC/Disability Inheritance THE BUCKET PLAN is a registered trademark of C2P Capital Advisory Group, LLC, and is used with permission. The Bucket Plan Graphic is Copyright 2009 by C2P Capital Advisory Group, LLC. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the C2P Capital Advisory Group, LLC. The Bucket Plan Best Interest Process 16

18 5/15/2018 Financial Health Scorecard Financial Health Scorecard 5 The Money Cycle Next Steps 17

19 Financial Health Scorecard Name: Date: Truths Score Well-coordinated Team of Professionals I don t have a team, but I m sure I can figure this out on my own when I need to. I get some tax help and investment advice, but there may be some gaps in my plan. I have an accountant, advisor, attorney, and insurance agent, but they don t coordinate with each other. I have a full financial, tax, estate planning, and legal team, and they all coordinate with each other. Proactive Income Tax Planning April 15 is panic time, and taxes are usually a big surprise. I generally understand my taxes, but there are many things I probably don t know. I use a tax preparer, but they don t provide proactive tax planning advice or strategies. I work with tax-planning professionals that show me how to save money on taxes now and into the future. Healthcare Expense Funding Planned I don t know what my insurance or healthcare costs will be, and there are major gaps in my plan. I have health insurance and Medicare covered, but I am not sure if I ve saved enough. I have enough savings to cover basics, but no plan for long-term care, assisted living, or home healthcare. My plan accounts for all healthcare costs, and I have sufficient income and assets to cover my family s current and future needs. Legacy Planning & Documented Organization If I died tomorrow, my family would have no idea how to settle my affairs. I think things are in good order, but I don t know how thorough my advisors have been. I m fairly organized, and my affairs are in good order, but my family may be stressed trying to figure out how to settle the estate. Everything is organized and documented, and there s a clear map to settle affairs with minimal taxes and legal fees. Subtotal (c) Clarity2Prosperity.com Concept derived from The Strategic Coach Inc. Updated February 21, 2018 Page 1

20 Truths Score A Documented Financial Plan that s Fully Understood I have no plan and don t really know how to get started. I definitely know a plan is important, but I don t have one in place yet. I have a plan...i don t fully understand it, but I hope my advisor does. I have a plan. It s completely documented, and I fully understand how it works. Assets are Segmented Based on Time & Purpose I ve been sold various financial products, but I don t understand all of them and could lose a lot in any market correction. I don t really know how much risk I m taking with my investments or which accounts to draw income from in retirement. I have got stocks, bonds, and/ or mutual funds, but don t know how market risk or interest rate risk will affect me. My assets are fully segmented in different buckets and invested according to a time horizon and the purpose of the money. Exposure to Sequence of Returns Risk I still don t completely understand what sequence of returns risk is. I understand sequence of returns risk, but don t know how much exposure I have to it. I don t anticipate needing to draw off of my assets in retirement, therefore, I am not sure if I need to be concerned about sequence of returns risk. I m confident that my financial plan has been designed to not subject my assets to sequence of returns risk. Peace of Mind I m worried that I won t have enough money to last in retirement or survive a market downturn. I ve probably saved enough to last in retirement, but I m not sure about my spouse or family after I m gone. I ve saved enough money to provide for my lifetime and my family s, but there are some loose ends I d like to tie up. I have complete confidence that all aspects of my financial, insurance, tax, and estate planning affairs are set to provide for me and my family for the rest of our lives. Subtotal (back) Subtotal (front) Total Score Page 2

21 Powerful Questions Would you mind sharing with me: If we were sitting here three years from today, looking back to today, what would need to have happened for you to feel happy about the progress that you have made?* Are there any concerns, fears or dangers* that may hold you back from reaching these goals? Hypothetically, if there were something that kept you up at night, what might that be? If no concerns, dangers, or fears are stated, move to Initial Concerns Ranking Worksheet Please take some time to pat yourself on the back. What do you feel are your personal strengths? What makes you the successful husband, wife, parent, executive, business owner etc. What are the three most important values you have tried to teach to your children that you would want them to teach your grandchildren? How important is it to leave a legacy for your heirs? If given the choice, would you rather have the opportunity to be rich or the guarantee you will never be poor? Tell me about the best investment you ve ever made (pause, wait for answer). And what was the worst investment you ve ever made? What is the most important thing to you when you think about your money? Has anyone ever developed a written financial plan for you? Do you have a financial advisor? How long have you been working with him/her? How would you rate that relationship? On a scale of 1-5 (5 Great Relationship/1 Unhappy) Do you work with an insurance agent for life, long-term care, or disability insurance? If so, who is the agent and how would you rate the relationship? On a scale of 1-5 (5 Great Relationship/1 Unhappy) Do you work with an attorney for your estate planning? If so, who do you work with? How would you rate the relationship? On a scale of 1-5 (5 Great Relationship/1 Unhappy) Who prepares your tax returns? How long have they been preparing them? What do you pay to get them prepared? How would you rate the relationship? On a scale of 1-5 (5 Great Relationship/1 Unhappy) *The R-Factor Question is a registered trademark, protected by copyright and integral concept of The Strategic Coach., Inc. Used with written permission. For More information please visit StrategicCoach.com Rev Clarity 2 Prosperity, LLC. All rights reserved.

22 THE BUCKET PLAN is a registered trademark of C2P Capital Advisory Group, LLC, and is used with permission. The Bucket Plan Graphic is Copyright 2009 by C2P Capital Advisory Group, LLC. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the C2P Capital Advisory Group, LLC. Rev

23 BANK ACCOUNTS / CREDIT UNIONS (POST-TAX) COMPANY NAME OWNER TYPE/ DUE DATE POD / TOD DESIG- NATION (Y/N) PRIMARY / CONTINGENT BENEFICIARY PER STIRPES / PER CAPITA FEES VALUE SUB-TOTAL $ POST-TAX INVESTMENTS *ACCOUNT TYPE / DUE DATE COMPANY NAME OWNER POD / TOD DESIG- NATION (Y/N) PRIMARY / CONTINGENT BENEFICIARY PER STIRPES / PER CAPITA COST BASIS PENSION (P) AND/OR DEATH (D) BENEFIT * Brokerage Accounts, Annuities, Individual Stocks, Bonds, Mutual Funds, Alternative Investments, etc. FEES SURRENDER (S) AND/OR MARKET (M) VALUE SUB-TOTAL POST-TAX TOTAL $ $ 2018 Clarity 2 Prosperity, LLC All rights reserved.

24 PRE-TAX INVESTMENTS *TAX STATUS **ACCOUNT TYPE / DUE DATE COMPANY NAME OWNER PRIMARY / CONTINGENT BENEFICIARY PER STIRPES / PER CAPITA COST BASIS PENSION (P) AND/OR DEATH (D) BENEFIT * IRA, 401(k), 403(b), TSP, Pension, Other ** Brokerage Accounts, Annuities, Individual Stocks, Bonds, Mutual Funds, Alternative Investments, etc. FEES SURRENDER (S) AND/OR MARKET (M) VALUE CLIENT 1 TOTAL $ CLIENT 2 TOTAL $ TOTAL PRE-TAX INVESTMENTS $ TAX FAVORED ASSETS *TAX STATUS **ACCOUNT TYPE / DUE DATE COMPANY NAME OWNER PRIMARY / CONTINGENT BENEFICIARY PER STIRPES / PER CAPITA COST BASIS PENSION (P) AND/OR DEATH (D) BENEFIT * Roth IRA, Roth 401(k), Roth 403(b), HSA, 529 Plan ** Brokerage Accounts, Annuities, Individual Stocks, Bonds, Mutual Funds, Alternative Investments, etc. FEES SURRENDER (S) AND/OR MARKET (M) VALUE CLIENT 1 TOTAL $ CLIENT 2 TOTAL $ TOTAL TAX FAVORED ASSETS $ 2018 Clarity 2 Prosperity, LLC All rights reserved.

25 LIFE INSURANCE COMPANY NAME PREMIUM INSURED/ OWNER/ POLICY TYPE PRIMARY / CONTINGENT BENEFICIARY PER STIRPES / PER CAPITA DEATH BENEFIT CASH VALUE TOTAL DEATH BENEFIT TOTAL CASH VALUE $ $ REAL ESTATE BUSINESS INTEREST TYPE OWNER POD / TOD DESIG- NATION (Y/N) PER STIRPES / PER CAPITA COST BASIS BENEFICIARY VALUE TOTAL $ 2018 Clarity 2 Prosperity, LLC All rights reserved.

26 DEBT DEBT HOLDER NAME OWNER TYPE RELATED ASSET INTEREST RATE MONTHLY PAYMENTT YEARS REMAINING TOTAL AMOUNT OWED TOTAL DEBT ($ ) CURRENT ESTIMATED TAX LIABILITIES (Taxes: IRA/401k Liquidation, ROTH Conversion, Estate Taxes) TYPE OF LIABILITY OWNER RELATED ASSET AMOUNT TOTAL LIABILITIES ($ ) 2018 Clarity 2 Prosperity, LLC All rights reserved.

27 Summary Page for The Bucket Plan Design This page is to be utilized as a quick reference to summarize the totals of the liquid investable assets that you ve documented on this form. You will utilize these totals to interactively design The Bucket Plan with the client, ensuring the total of the three buckets adds up to the grand total of liquid investable assets. Post-Tax Banks/Credit Unions $ Investments $ Pre-Tax Total $ Client 1 - $ Client 2 - $ Tax Favored Total $ Client 1 - $ Client 2 - $ Cash Value Total $ Client 1 - $ Client 2 - $ Grand Total: Investable Assets Total $ Income Gap Total: $ $ 2018 Clarity 2 Prosperity, LLC All rights reserved.

28 The Money Cycle 2018 Clarity 2 Prosperity, LLC All rights reserved.

29 2018 Clarity 2 Prosperity, LLC All rights reserved.

30 財務健康記分卡 姓名 : 日期 : 指標 分數 專家團隊互相協作打點財務 沒有聘用專家團隊, 但必要時我可以自己處理 有聽取稅務及投資意見, 但理財計劃方面未臻完善 有聘用會計師 財務顧問 律師及保險經紀, 但他們未能相互合作 擁有一支完整的理財 稅務 財產規劃及法律隊伍, 而且他們各方都能互相協作 積極規劃入息稅務 每年的 4 月 15 日我都異常慌亂, 稅款數目往往在意料之外 對稅務有基本認識, 但尚有很多不明白的地方 有聘用稅務師服務, 但他們沒有積極提供任何稅務規劃意見或策略 有聘用稅務專才, 為我提供現時與未來的省錢方案 妥善規劃醫療保健開支 對醫療保險或費用一無所知, 亦沒有預留資金作此用途 有預留資金作醫療保險或開支之用, 但不肯定金額是否足夠 有預留充裕資金作基本醫療開支, 但未必足夠應付長期患病 輔助房屋或療養院費用 我的理財計劃已足以應付一切醫療費用, 並且有充裕資金及資產保護家人現時與未來的需要 預早作出遺產規劃及文件安排 萬一我突然去世, 我的家人對於如何處理我的身後事將毫無頭緒 已預先安排身後事, 但不肯定我聘用的顧問辦事是否完善 已預先妥善安排身後事, 但我的家人在處理遺產方面可能會有感到迷惘 所有身後事都已安排妥當並作書面記錄 另外, 我已規劃好如何以最低稅款及法律費用處理一切相關事宜 小計 概念源自 The Strategic Coach Inc. 最後更新 2018 年 2 月 21 日 第 1 頁

31 指標 分數 完全清楚自己的理財計劃並已記錄在案 沒有任何理財計劃, 亦不知從何說起 深切明白擁有一份理財計劃的重要性, 但尚未有一份適合自己的理財計劃 已有一份理財計劃, 但對此計劃一知半解, 相信我的財務顧問應該會比較清楚 已有一份理財計劃, 並已作書面記錄, 我亦清楚裡面全部內容 所有資產已按時間及用途分類 投資了多款金融產品, 但對它們認識不多, 很容易在市場作出調整時招致虧損 不清楚各項投資產品所帶來的風險高低, 亦不知道退休後應該從哪個戶口提取收入 有投資股票 債券及 / 或共同基金, 但對市場或利息風險會否影響我的投資產品卻不太清楚 已將所有資產清楚分類, 並因應不同時間及用途進行投資 承擔回報序列風險 不太明白 回報序列風險 的意思 知道什麼是回報序列風險, 但不清楚承擔的機率有多高 不打算在退休後將資產撤回, 所以應該不用承擔回報序列風險 我相信我的理財計劃設計完善, 不會令我承擔回報序列風險 絕對安心 擔心退休金不夠應付往後的生活 或者於市場衰退時招致虧損 我的退休金應該足夠應付往後的生活, 但我不肯定伴侶及家人在我去世後能否繼續享有舒適的生活 我的儲蓄足夠應付我和家人往後的生活, 但我尚有一些善後工作未完成 已在金融 保險 稅務及財產管理各方面作出妥善安排, 定能保障我和家人以後的生活 小計 ( 後頁 ) 小計 ( 前頁 ) 總分 概念源自 The Strategic Coach Inc. 最後更新 2018 年 2 月 21 日 第 2 頁

32 Tabel Penilaian Kesehatan Keuangan Nama: Tanggal: Kebenaran Nilai Tim Profesional yang Terkoordinasi dengan baik Saya tidak memiliki tim, namun saya yakin dapat memecahkan masalah sendiri jika aku mau. Saya mendapatkan bantuan perpajakan dan saran investasi, namun masih terdapat beberapa celah dalam rencana saya. Saya memiliki akuntan, penasihat, pengacara, dan agen asuransi, namun mereka tidak saling berkoordinasi satu sama lain. Saya memiliki tim keuangan, perpajakan, perencanaan estate, dan legal secara penuh. Dan mereka saling berkoordinasi. Perencanaan Tanggal 15 April adalah waktunya Pajak Penghasilan panik dan pajak selalu menjadi yang Proaktif kejutan. Secara umum saya mengerti pajak, namun banyak hal yang mungkin tidak saya ketahui. Saya menggunakan seorang penyiap pajak, namun mereka tidak memberikan saya saran dan strategi pajak yang proaktif. Saya bekerja dengan profesional perencanaan pajak yang menunjukkan saya bagaimana cara menghemat uang pajak hari ini dan di kemudian hari. Perencanaan Pembiayaan Kesehatan Saya tidak mengetahui berapa biaya asuransi dan pelayanan kesehatan saya sendiri. Terdapat celah yang besar di rencana saya. Asuransi kesehatan dan medicare saya telah terkover, namun saya tidak yakin apakah tabungan saya cukup. Saya memiliki tabungan yang cukup untuk melindungi hal- hal yang dasar, namun belum memiliki rencana jangka panjang, hidup yang dibantu, atau pelayanan kesehatan di rumah. Saya memiliki rencana untuk semua biaya pelayanan kesehatan dan saya memiliki penghasilan dan aset yang cukup untuk mengkover kebutuhan keluarga saya saat ini dan di kemudian hari. Perencanaan Warisan dan Pengorganisasian Dokumen Jika saya meninggal esok hari, keluarga saya tidak akan tahu bagaimana menelesaikan urusanurusan saya. Saya rasa semuanya sesuai urutan, namun saya tidak tahu seberapa rinci penasihat saya memberitahukan. Saya cukup terorganisir. Dan Semuanya terorganisir dan urusan-urusan saya tertangani terdokumentasi, dan terdapat dengan baik, namun keluarga juga peta yang jelas untuk saya mungkin akan tertekan untuk menyelesaikan masalah-masalah mengetahui cara membagi tanah saya dengan pajak dan biaya legal saya. seminimal mungkin. Concept derived from The Strategic Coach Inc. Updated February 21, 2018 Page 1

33 Kebenaran Nilai Perencanaan Keuangan yang terdokumentasi dan dapat dimengerti Saya tidak memiliki rencana dan tidak tahu bagaimana cara memulainya. Saya tentunya tahu bahwa perencanaan itu penting. Namun saya belum melakukannya satupun. Saya memiliki rencana... Saya tidak sepenuhnya mengerti, namun saya harap, penasihat saya mengerti. Saya memiliki perencanaan yang terdokumentasi dan saya mengerti sepenuhnya bagaimana cara kerjanya. Aset terbagi sesuai dengan waktu dan tujuan Saya telah menjual berbagai produk keuangan, namun saya tidak mengerti semuanya, dan dapat rugi banyak saat koreksi pasar. Saya tidak begitu tahu berapa banyak risiko yang saya ambil dengan investasi saya atau akun mana yang menjadi pendapatan saat pensiun. Saya memiliki saham, obligasi, dan / atau reksa dana, tapi tidak tahu bagaimana risiko pasar atau risiko suku bunga akan mempengaruhi saya. Aset saya sepenuhnya terbagi dalam wadah yang berbeda dan diinvestasikan sesuai dengan waktu dan tujuan penggunaan uangnya. Paparan Urutan dari Resiko Return Saya masih belum mengerti apa urutan risiko return itu. Saya mengerti urutan risiko return, tapi tidak tahu berapa banyak eksposur yang saya miliki. Saya tidak mengantisipasi untuk menarik aset saya saat pensiun, oleh karena itu, saya tidak yakin apakah saya perlu memperhatikan urutan risiko return. Saya yakin bahwa rencana keuangan saya telah dirancang untuk tidak mengalihkan aset saya ke urutan risiko return. Ketenangan Batin Saya khawatir saya tidak memiliki uang yang cukup untuk bertahan di masa pensiun atau bertahan dalam kondisi pasar yang turun. Saya mungkin sudah cukup menabung untuk bertahan di masa pensiun, tapi saya mengkhawatirkan pasangan atau keluarga saya setelah saya pergi. Saya telah menabung cukup banyak uang untuk memenuhi kebutuhan hidup dan keluarga saya, tapi ada masalah yang belum selesai yang ingin saya atasi. Saya yakin sepenuhnya bahwa semua aspek urusan keuangan, asuransi, pajak, dan perencanaan estat saya siapkan untuk saya dan keluarga saya selama sisa hidup kami. Subtotal (belakang) Subtotal (depan) Nilai Total Concept derived from The Strategic Coach Inc. Updated February 21, 2018 Page 2

34 재정적건전성평가표 이름 : 날짜 : 진실 점수 잘조율된전문가팀 나는팀을가지고있지않지만, 필요할때스스로해결할수있다고확신합니다. 나는어떤세금도움말및투자조언을하지만나의계획은일부차이가있을수있습니다. 나는회계사, 고문, 변호사및보험대리인이있으며, 그러나그들은서로조정하지않습니다. 나는완전한재정, 세금, 부동산기획, 법률팀을가지고있으며, 과그들모두는서로협조한다. 사전행동적소득세계획 4 월 15 일은공황의시기입니다과세금은보통큰놀라움입니다. 나는일반적으로나의세금을이해하지만, 내가모르는많은것들이있다. 나는세금신고자를사용한다그러나그들은능동적인세금계획조언이나전략을제공하지않습니다. 세금기획전문가와일합니다. 저에게세금을현재와미래에저축하는방법을보여줍니다. 건강관리비용기금계획 의료보험비용을어떻게될지모르고, 내계획에큰차이가있습니다. 나는의료보험과메디케어보험을가지고있다그러나나는충분히구했는지확신할수없다. 나는기초를다루기에충분한저축을가지고있다그러나장기요양보호, 보조생활, 가정건강관리를위한계획은없습니다. 나의계획은모든의료비용이차지합니다과나는충분한소득및자산내가족은현재및미래의요구사항을다룹니다. 유산계획및문서화된조직 만약내일죽었다우리가족은어떻게내문제를해결할수있을지모릅니다. 나는물건이좋은순서라고생각한다그러나나는모른다내조언자들이얼마나철저했는지. 나는꽤조직되어있어과내문제는좋은순서다하지만우리가족은스트레스를받고부동산정착방법을찾아내려고노력할수도있습니다. 모든것이체계적이고문서화되어있으며최소한의세금과법률비용으로업무를해결할수있는확한지도가있습니다. Concept derived from The Strategic Coach Inc. Updated February 21, 2018 Page 1 소계

35 진실 점수 완전히이해된문서화된재무계획 나는계획이없으며시작하는방법을알지못합니다. 나는계획이중요하다는것을명확히알고그러나나는그자리에아직하나도가지고있지않습니다. 나는계획을가지고있다... 나는그것을완전히이해하지못한다내고문이그러길바란다. 난계획을가지고있어. 그것은완전히문서화되었고, 나는그것이어떻게작동하는지완전히이해합니다. 자산은다음기준에따라분류됩니다시간및목적 나는다양한금융상품을팔았지만, 나는그것들모두를이해하지못하고어떤시장조정에서도많은것을잃을수있습니다. 나는정말내가얼마나투자위험또는은퇴수입을그리는계정을가진것몰라요. 주식, 채권및뮤추얼펀드를보유하고있지만시장위험이나금리위험이저에게어떤영향을미치는지모릅니다. 나의자산은시간의범위와돈의목적에따라다른버킷으로완전히분할되어투자됩니다. 위험노출시퀀스를반환합니다. 나는여전히위험의순서가무엇인지완전히이해하지못하고있다. 나는반품위험의순서를이해하지만얼마나많은노출이있는지모른다. 나는퇴직나올때내자산의떨어져서그리는제공할거라생각하지는않습니다, 그러므로, 나는위험반환하는시퀀스를걱정을할필요가있는지모르겠다. 재무계획이내자산에일련의수익위험을내지않도록설계되었다고확신합니다. 마음의평화 나는걱정이다그나는은퇴를계속하거나시장침체에서살아남을수있는충분한돈이없을것이라고. 나는아마은퇴생활을계속할정도로충분히구했습니다하지만나는떠나고나서배우자나가족에대해확신하지못합니다. 나는내평생과내가족을위해충분한돈을모았습니다. 그러나내가묶고싶은약간의느슨한끝이있다. 나는금융, 보험, 세금및부동산기획업무의모든측면이우리삶의나머지부분에대해나와나와가족을제공하도록설정되어있다는완전한확신을가지고있습니다. 소계 ( 후면 ) 소계 ( 앞면 ) 총점수 Concept derived from The Strategic Coach Inc. Updated February 21, 2018 Page 2

36 Marcador de Salud Financiera Nombre: Fecha: Verdades Puntajee Equipo Bien Coordinado de Profesionales No tengo un equipo, pero estoy seguro que puedo averiguar esto por mí mismo cuando lo necesite. Obtengo algo de ayuda con impuestos y consejos de inversiones, pero puede haber huecos en mi plan. Tengo un contador, consejero, abogado y agente de seguros, pero no se coordinan entre ellos. Tengo una planeación completa de finanzas, impuestos, bienes y un equipo legal y todos se coordinan entre ellos. Planeación Proactiva del Impuesto sobre la Renta 15 de Abril es tiempo de pánico y los impuestos son usualmente una gran sorpresa. Generalmente entiendo mis impuestos pero hay muchas cosas que probablemente no sé. Uso un preparador de impuestos, pero no proporcionan consejos o estrategias de planeación proactiva de impuestos. Trabajo con profesionales de la planeación de impuestos que me muestran cómo ahorrar dinero en impuestos ahora y en el futuro. Fondos para Gastos de Salud Planeados No sé cuáles serán los costos de mi seguro ni atención médica y hay grandes huecos en mi plan. Tengo seguro de salud y Medicare cubierto, pero no estoy seguro si he ahorrado lo suficiente. Tengo suficientes ahorros para cubrir lo básico, pero no tengo un plan para cuidado a largo plazo, vida asistida o cuidado de salud en casa. Mi plan toma en cuenta todos los costos de salud y tengo suficiente ingreso y activos para cubrir las necesidades actuales y futuras de mi familia. Planeación de Legado y Organización Documentada Si muriera mañana, mi familia no tendría idea de cómo resolver mis asuntos. Creo que las cosas están en buen orden, pero no sé qué tan exhaustivos han sido mis asesores. Soy bastante organizado y mis asuntos están en buen orden, pero mi familia podría estresarse tratando de descubrir cómo resolver los bienes. Todo está organizado y documentado y hay un mapa claro para resolver cuestiones con impuestos y honorarios legales mínimos. Subtotal Concepto derivado de The Strategic Coach Inc. Actualizado Febrero 21, 2018 Página 1

37 Verdades Puntajee Un Plan Financiero Documentado que se Entienda Completamente No tengo plan y realmente no sé cómo empezar. Definitivamente sé que un plan es importante, pero no tengo uno aún. Tengo un plan no lo entiendo completamente, pero espero que mi consejero sí. Tengo un plan. Está completamente documentado y entiendo completamente como funciona. Activos son Segmentados Basado en Tiempo y Propósito Me ha vendido varios productos financieros, pero no los entiendo todos y podría perder mucho en cualquier corrección del mercado. Realmente no sé cuándo riesgo estoy tomando con mis inversiones ni de que cuentas sacar ingresos en el retiro. Tengo acciones, bonos y/o fondos mutuos, pero no sé cómo el riesgo del mercado o la tasa de interés me vayan a afectar. Mis activos están completamente segmentados en diferentes cubetas e invertidos de acuerdo a un horizonte de tiempo y el propósito del dinero. Exposición a Secuencia de Riesgo de Retorno Aun no entiendo completamente lo que es una secuencia de riesgo de retorno. Entiendo las secuencias de riesgo de retorno, pero no sé qué tanta exposición tengo a ellas. No anticipo necesitar trasvasar mis activos en el retiro, por lo tanto, no estoy seguro de tener que estar preocupado sobre la secuencia de riesgo de retorno. Tengo confianza de que mi plan financiero ha sido diseñado para no someter mis activos a una secuencia de riesgo de retorno. Paz Mental Estoy preocupado que no tendré suficiente dinero para durar en el retiro o sobrevivir una crisis del mercado. Probablemente he guardado suficiente para durar en el retiro, pero no estoy seguro sobre mi cónyuge o familia después de haberme ido. He ahorrado suficiente dinero para proveer mi vida y la de mi familia, pero hay algunos cabos sueltos que me gustaría amarrar. Tengo completa confianza que todos los aspectos de mis planes de asuntos financieros, seguros, impuestos y bienes están establecidos para proveer para mí y mi familia por el resto de nuestras vidas. Subtotal (reverso) Subtotal (frente) Puntaje Total Concepto derivado de The Strategic Coach Inc. Actualizado Febrero 21, 2018 Página 2