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PERSONAL FINANCIAL PLANNING MONTHLY 1 2 3 4 5 6 7 8 9 10 11 12 OPTION I OPTION II OPTION III INCOME AT AGE 45 INCOME AT AGE 55 INCOME AT AGE 65 Corporate Annual Residual Net Annual Residual Net Premium Tax-Free Cash Death Tax-Free Cash Death Age Year Payment* Income Account Proceeds Income Account Proceeds Annual Residual Tax-Free Income Net Cash Death Account Proceeds 25 1 1,000,000 51,229,508 51,229,508 51,229,508 26 2 1,000,000 51,229,508 51,229,508 51,229,508 27 3 1,000,000 51,229,508 51,229,508 51,229,508 28 4 1,000,000 245,902 51,229,508 245,902 51,229,508 245,902 51,229,508 29 5 1,000,000 578,893 51,229,508 578,893 51,229,508 578,893 51,229,508 30 6 -289,447 1,053,230 51,229,508 -289,447 1,053,230 51,229,508 -289,447 1,053,230 51,229,508 31 7 2,028,711 51,229,508 2,028,711 51,229,508 2,028,711 51,229,508 32 8 3,012,653 51,229,508 3,012,653 51,229,508 3,012,653 51,229,508 33 9 4,005,563 51,229,508 4,005,563 51,229,508 4,005,563 51,229,508 34 10 5,007,737 51,229,508 5,007,737 51,229,508 5,007,737 51,229,508 35 11 5,127,532 43,882,080 5,127,532 43,882,080 5,127,532 43,882,080 36 12 5,592,593 43,882,080 5,592,593 43,882,080 5,592,593 43,882,080 37 13 6,096,918 43,882,080 6,096,918 43,882,080 6,096,918 43,882,080 38 14 6,638,670 43,882,080 6,638,670 43,882,080 6,638,670 43,882,080 39 15 7,224,133 43,882,080 7,224,133 43,882,080 7,224,133 43,882,080 40 16 7,854,369 43,882,080 7,854,369 43,882,080 7,854,369 43,882,080 41 17 8,535,338 43,882,080 8,535,338 43,882,080 8,535,338 43,882,080 42 18 9,267,874 43,882,080 9,267,874 43,882,080 9,267,874 43,882,080 43 19 10,058,899 43,882,080 10,058,899 43,882,080 10,058,899 43,882,080 44 20 10,913,324 43,882,080 10,913,324 43,882,080 10,913,324 43,882,080 45 21 1,000,000 11,836,053 43,882,080 11,836,053 43,882,080 11,836,053 43,882,080 46 22 1,000,000 11,757,611 42,806,811 12,832,880 43,882,080 12,832,880 43,882,080 47 23 1,000,000 11,677,600 41,650,608 13,909,072 43,882,080 13,909,072 43,882,080 48 24 1,000,000 11,596,139 40,407,379 15,070,840 43,882,080 15,070,840 43,882,080 49 25 1,000,000 11,512,136 39,070,574 16,323,642 43,882,080 16,323,642 43,882,080 50 26 1,000,000 11,434,137 37,633,148 17,683,068 43,882,080 17,683,068 43,882,080 51 27 1,000,000 11,317,154 36,087,530 19,111,704 43,882,080 19,111,704 43,882,080 52 28 1,000,000 11,201,493 34,425,575 20,657,998 43,882,080 20,657,998 43,882,080 53 29 1,000,000 11,089,488 32,638,526 22,333,042 43,882,080 22,333,042 43,882,080 54 30 1,000,000 10,982,626 30,716,968 24,147,739 43,882,080 24,147,739 43,882,080 55 31 1,000,000 10,883,483 28,650,777 2,250,000 26,114,787 43,882,080 26,114,787 43,882,080 56 32 1,000,000 10,795,260 26,429,066 2,250,000 25,828,919 41,462,725 28,248,274 43,882,080 57 33 1,000,000 10,721,475 24,040,129 2,250,000 25,542,641 38,861,268 30,563,426 43,882,080 58 34 1,000,000 10,661,429 23,228,838 2,250,000 25,254,052 37,821,461 33,072,129 45,639,538 14 November 2002
PERSONAL FINANCIAL PLANNING MONTHLY 59 35 1,000,000 10,614,380 22,782,019 2,250,000 24,961,286 37,128,925 35,787,175 47,954,815 60 36 1,000,000 10,582,317 22,199,849 2,250,000 24,665,012 36,282,544 38,725,108 50,342,640 61 37 1,000,000 10,569,719 22,303,415 2,250,000 24,368,316 36,102,011 41,906,054 53,639,749 62 38 1,000,000 10,574,458 22,364,082 2,250,000 24,067,573 35,857,197 45,344,710 57,134,334 63 39 1,000,000 10,600,522 22,375,679 2,250,000 23,765,161 35,540,319 49,063,158 60,838,316 64 40 1,000,000 10,650,671 22,329,066 2,250,000 23,462,111 35,140,506 53,083,614 64,762,009 65 41 1,000,000 10,729,075 22,215,307 2,250,000 23,160,731 34,646,963 4,950,000 57,431,163 68,917,396 66 42 1,000,000 10,842,168 22,647,768 2,250,000 22,865,454 34,671,054 4,950,000 56,812,156 68,617,756 67 43 1,000,000 10,987,387 23,086,259 2,250,000 22,571,566 34,670,438 4,950,000 56,170,170 68,269,042 68 44 1,000,000 11,170,123 23,530,180 2,250,000 22,282,143 34,642,200 4,950,000 55,506,448 67,866,506 69 45 1,000,000 11,395,053 23,977,160 2,250,000 21,999,376 34,581,482 4,950,000 54,821,209 67,403,316 70 46 1,000,000 11,665,222 24,421,959 2,250,000 21,723,634 34,480,371 4,950,000 54,112,702 66,869,439 71 47 1,000,000 11,988,711 23,944,404 2,250,000 21,460,121 33,415,815 4,950,000 53,383,851 65,339,544 72 48 1,000,000 12,386,621 23,327,211 2,250,000 21,226,847 32,167,437 4,950,000 52,650,212 63,590,802 73 49 1,000,000 12,878,275 22,560,542 2,250,000 21,039,809 30,722,075 4,950,000 51,825,147 61,607,414 74 50 1,000,000 13,484,492 21,631,818 2,250,000 20,916,249 29,063,575 4,950,000 51,223,064 59,370,390 75 51 1,000,000 14,228,787 20,526,564 2,250,000 20,875,837 27,173,614 4,950,000 50,560,585 56,858,362 76 52 1,000,000 15,146,153 21,964,039 2,250,000 20,949,433 27,767,318 4,950,000 49,965,291 56,783,177 77 53 1,000,000 16,185,984 23,565,797 2,250,000 21,081,983 28,461,796 4,950,000 49,378,605 56,758,418 78 54 1,000,000 17,359,650 25,346,464 2,250,000 21,280,079 29,266,894 4,950,000 48,803,329 56,790,143 79 55 1,000,000 18,673,300 27,315,387 2,250,000 21,544,730 30,186,817 4,950,000 48,236,396 56,878,482 80 56 1,000,000 20,138,932 29,488,268 2,250,000 21,882,405 31,231,740 4,950,000 47,679,895 57,029,230 81 57 1,000,000 21,835,777 31,951,640 2,250,000 22,366,393 32,482,256 4,950,000 47,202,404 57,318,267 82 58 1,000,000 23,724,373 34,667,661 2,250,000 22,950,842 33,894,130 4,950,000 46,753,004 57,696,292 83 59 1,000,000 25,812,444 37,648,302 2,250,000 23,636,604 35,472,462 4,950,000 46,327,101 58,162,959 84 60 1,000,000 28,117,754 40,916,368 2,250,000 24,434,055 37,232,669 4,950,000 45,929,213 58,727,827 85 61 1,000,000 30,650,883 44,487,434 2,250,000 25,345,830 39,182,381 4,950,000 45,555,678 59,392,229 86 62 1,000,000 33,470,483 48,427,886 2,250,000 26,422,040 41,379,442 4,950,000 45,249,833 60,207,235 87 63 1,000,000 36,547,766 52,712,658 2,250,000 27,642,708 43,789,600 4,950,000 44,966,421 61,131,313 88 64 1,000,000 39,877,962 57,342,294 2,250,000 28,939,190 46,403,522 4,950,000 44,682,967 62,147,299 89 65 1,000,000 43,476,184 62,338,632 2,250,000 30,369,975 49,232,425 4,950,000 44,395,545 63,257,992 90 66 1,000,000 47,328,344 67,693,297 2,250,000 31,891,563 52,256,516 4,950,000 44,069,592 64,434,545 91 67 1,000,000 51,451,028 69,034,691 2,250,000 33,508,252 51,091,916 4,950,000 43,699,681 61,283,345 92 68 1,000,000 56,294,856 70,536,623 2,250,000 35,657,463 49,899,230 4,950,000 43,712,763 57,954,530 93 69 1,000,000 62,069,181 72,330,580 2,250,000 38,534,350 48,795,749 4,950,000 44,292,737 54,554,136 94 70 1,000,000 68,996,707 74,546,898 2,250,000 42,346,352 47,896,542 4,950,000 45,634,940 51,185,130 95 71 1,000,000 77,386,803 77,386,803 2,250,000 47,386,420 47,386,420 4,950,000 48,019,310 48,019,310 96 72 1,000,000 87,384,308 87,384,308 2,250,000 53,781,746 53,781,746 4,950,000 51,559,047 51,559,047 97 73 1,000,000 98,575,146 98,575,146 2,250,000 61,099,273 61,099,273 4,950,000 55,806,049 55,806,049 98 74 1,000,000 111,086,170 111,086,170 2,250,000 69,445,446 69,445,446 4,950,000 60,850,581 60,850,581 99 75 1,000,000 125,056,887 125,056,887 2,250,000 78,937,829 78,937,829 4,950,000 66,792,814 66,792,814 TOTALS 55,000,000 101,250,000 173,250,000 November 2002 15
Page 1 and 2: Volume 2 • Number 11 THE JOURNAL
Page 3 and 4: PERSONAL FINANCIAL PLANNING MONTHLY
Page 5 and 6: RETIREMENT PLANNING Treatment of Gr
Page 13 and 14: INVESTMENT STRATEGIES Advising the
Page 15: PERSONAL FINANCIAL PLANNING MONTHLY
Page 19 and 20: RISK MANAGEMENT Reducing the Wealth
Page 25 and 26: INSURANCE Using Private Placement L
Page 31 and 32: CASE STUDY Unexpected Death Complic
Page 35: WATCH FOR THE DECEMBER ISSUE OF Per

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