Puzzle Presentation- FINAL1

FITTING
THE
PIECES
TOGETHER
6 Steps
to a
Successful
Plan for
your
Finances

THE PROCESS
Just as the pieces of a jigsaw puzzle fit together in a
logical way, so should your financial strategies and
goals. A skilled insurance professional can interlock the
right financial pieces to help you out of debt and into a
life designed to reduce stress as well as put you on the
path to independence. Allow us to disentangle you from
the maze of financial concerns and identify specific
income goals for your retirement time frame.

THE PROCESS
We all make hundreds of decisions each and every day. Most of these
are simple and have little, if any, lasting consequences. Some are
complex and have lasting effects on our personal situations. The
financial planning process is a logical, six-step procedure that we will
work through together.

Step One:
Introductory
Phase
We will review and document the services that will be
provided for you as well as define responsibilities and
roles. We will analyze obstacles and dilemmas facing
investors and explain the importance of a smart
disciplined approach.

Step Two:
Discovery Phase
This meeting will be spent developing an in-depth look at
your current financial situation, your financial goals and
your attitude about risk. We will analyze your information
and assess what needs to be done to achieve your goals.
Among other things, we will take a look at your assets,
liabilities, cash reserves, current insurance coverage,
investments and tax strategies.

Step Three:
Personalized
Strategy Profile
We will meet to present a customized proposal based on
the information from the discovery meeting. During this
time we will review the recommendations, analyze the data
and allow you adequate time to make informed decisions.

Step Four:
Implementation
Phase
During this time we will carry out the recommendations that
we have agreed upon, coordinating the financial process
and acting as a liaison, if necessary, with other
professionals such as attorneys.

Step Five:
Scheduled Reviews
After this account has been fully implemented, we will meet
again to discuss your investment strategy and monitor the
progress toward your goals. We will meet again to discuss
your strategies on a regular basis.

Step Six:
Modification
Sometimes life can be uncertain and the best plans need
to be altered to fit new circumstances. We will review your
plan on a regular basis and modify if necessary.

FACT FINDING
Let’s take a moment to drill down into your current
financial situation, your financial goals and your attitude
about risk. Among other things, we will take a look at your
assets, liabilities, cash reserves, current insurance
coverage, investments and tax strategies.
.

Determine your current situation to ensure you have sufficient cash
reserves for emergencies. Six months of cash is a good place to start.
.
SAVINGS
Do you have enough in savings to make sure that
you can cover the emergencies that life throws at
you?

INCOME PROTECTION
Do you have a plan in place to provide your
family a guaranteed income in the event that
you can no longer work or have an extended
care incident?
Your lifestyle depends on your ability to work and earn an income.
Protect what you have worked hard to achieve and purchase an
individual income protection policy. This will ensure that if you are
unable to work, you will continue to receive an income.

COVERING YOUR DEBTS
& SURVIVOR INCOME
Do you have a plan in place to pay off your debts
and provide your family a guaranteed income if
you die prematurely?
Protect your family by providing a safety net for your loved ones and
ensure that your family’s financial goals will be met. Manage your
risk beyond income replacement by providing death benefit coverage
and preserving the wealth you plan to transfer to your beneficiaries.

The accumulation phase starts when you begin your full time
profession. During this time you should be investing in your
retirement by building wealth through various strategies. Develop
your financial approach so that each strategy is fulfilling expectations
based on when and how you will need it.
WEALTH ACCUMULATION
Do you have a plan in place that steadily plods and
systematically builds wealth over time?

TAX STRATEGIES
Would you be interested in identifying
opportunities to defer and reduce taxes?
Knowing good tax strategies determines the percentage
you pay as well as how much you make. You can manage
your tax burden by knowing the rules, managing how you
generate income and choosing strategies wisely.

There are a variety of gifting strategies as well as wealth transfer
tools that can help you distribute your assets to your family, children
and charitable organizations. These techniques help you avoid
probate and reduce estate taxes while protecting your legacy from
any unforeseen circumstances.
ASSET PRESERVATION &
WEALTH TRANSFER
Do you have a plan in place to distribute your
assets and protect them in the event of an
extended health care incident?

FITTING
THE
PIECES
TOGETHER
The tax treatment of life insurance is
subject to change. JJ Consults nor its
representatives offer legal or tax advice.
Consumers should consult with their
legal or tax advisor regarding their
individual situation before making any
tax related decisions.
We all know that life
is more than just
interlocking pieces of
a puzzle. It is more
important than ever to
protect your loved
ones and preserve
your wealth for
retirement as well as
for future
generations. This is
why we are here, to
help you learn the
logical steps to
succeed with your
financial plan for life.