Wealth Prime Wealth Report

TM
Financial Freedom Awaits
Prepared for Kelly Leonard
by Devin James,
Morgan Stanley Financial Advisor
2019
WEALTH REPORT

Welcome to WealthPRIME TM First Name!
Thank you for requesting your WEALTH REPORT. You’ve just taken a major step towards
protecting your nest egg, gaining financial independence, and living life on your terms.
As an experienced professional or business owner you wake up every day, and work hard
to make an income. Unfortunately, annual tax payments eat away at your earnings, leaving
your savings growing at a sluggish pace, and your mind wondering, “How will I be able to
retire?” You’ve now found the solution.
WHAT YOUR REPORT SHOWS
Based on the information provided to us and
based on the new income tax laws in your state of
residence, your WEALTH REPORT shows you several
important pieces of financial information.
You’ll discover an estimate of the amount of annual
taxes you can save in 2019, the retirement savings
you can achieve in a 15-year period, how much you
can contribute to your retirement plan annually,
a new, little-known tax law that provides you
additional tax savings, and much more!
THE CONTENTS
OF YOUR REPORT
I. Your Path to Millions
PAGE 3
II. A Retirement Plan Overview
PAGE 4
III. Your Customized Retirement
Planner and Wealth Builder
PAGE 5
DO YOU HAVE A FINANCIAL ADVISOR?
A financial advisor is an integral piece of your
retirement planning journey. If you don’t yet have
an advisor for your business, and you are interested
in learning more about retaining the services of
one, we maintain a vast network and can make a
recommendation.
TAKE THE NEXT STEP TO BUILDING WEALTH
AND LIVING FREE
After you carefully review your customized report
and are ready to further discuss and secure your
new financial vision, we invite you to schedule a
complimentary consultation here.
IV. Your Customized Tax Reduction
Plan
PAGE 6
V. Your Way to Wealth
PAGE 7
VI. Getting Started
PAGE 7
Dan Harding | President & Founder
o: 855-774-6340 | c: 415-205-6500
e: dan@wealthprime.com | w: wealthprime.com
4966 El Camino Real, Suite 213
Los Altos, CA 94022
Twitter | LinkedIn
2

Your Path to Millions
How would it feel to enjoy the fruits of your labor and share in life’s most amazing and
important events such as: family additions, vacations, second homes, investment properties,
college funds, or buying a new car? It’s time you kept more of your hard-earned money in
your pocket.
YOUR ESTIMATE TIME TO A MILLION
Congratulations, First name.
Based on your unique scenario and demographic
profile, you can become a millionaire in 4 years!
If you can mitigate your tax burden, your financial
security and future will be boundless. The key is
understanding how taxes and retirement planning
converge to create the wealth you desire.
Also, in 15 years, you can obtain a retirement nest
egg of $6,417,467 and your 2019 tax savings
can be $91,993! For a detailed look at your
customized tax mitigation plan, see page 6.
HOW ARE WE ABLE TO ACHIEVE
THIS FINANCIAL FUTURE?
See below for a snapshot of your personal WealthPRIME profile:
NAME
OCCUPATION
Denise Owner
Realtor
INCOME $450,000
STATE
AGE
FILING
TAX SAVINGS (2019)
$91,993
Pennsylvania
59 years old
Married - Jointly
E.T.M. (Estimated Time to a Million)
4 Years
RETIREMENT SAVINGS
$6,417,467
(At age 74, estimating a 5% growth rate)
A retirement plan, known as the cash balance plan
is the backbone of your path to wealth. Cash
balance plans allow you to layer multiple types of retirement plans that can allow you to significantly
reduce your tax burdens and contribute more annually to your retirement plan by multiples. This strategy
is also known as the COMBO-K ® . The illustration below shows you a simple snapshot of how combining
retirement plans can affect your wealth creation.
$500,000 in savings after 15 years
contributing to a 401(k) plan
$1,337,097 in savings after 15 years contributing to a
401(k) plan + Profit Sharing Plan
$5,614,456 in savings after 15 years contributing to a COMBO-K (401(k)
+ Profit Sharing Plan + Cash Balance Plan)
$500K
$1M
$1.5M
$2M
$2.5M
$3M
$3.5M
$4M
$4.5M
$5M
$5.5M
$6M
3

A Brief Retirement Plan Overview
When it comes to retirement planning, there are many different vehicles for business owners
to choose from, including; traditional IRAs, Roth IRAs, profit sharing plans, SIMPLE 401(k)s,
SEP IRAs, and more. It’s important to review the advantages and disadvantages of each with
your advisor or Third Party Administrator (TPA).
DISADVANTAGES OF ROTH IRAS VS
A ROTH 401(K) PLAN
Roth IRAs may seem very attractive given the tax
benefit. However, Roth IRAs are not available for
owners with income over $203,000. A Roth 401(k)
plan has no such limitation.
DISADVANTAGES OF A TRADITIONAL IRA VS
A 401(K) PLAN
Traditional IRAs are a popular savings vehicle,
particularly for individuals who don’t have access
to an employer sponsored plan. However, a major
downside of an IRA is its contribution limits. You’re
only able to contribute $5,000 annually to an
IRA and only $1,000 in catch-up contributions
if you’re over age 50. Versus a 401(k) plan, you
can contribute $19,000 annually and are allowed a
$6000 catch-up contribution over age 50.
DISADVANTAGES OF A SEP IRA VS A 401(K)
W/ PROFIT SHARING PLAN
Another popular plan available to all types of
employers is a Simplified Employee Pension (SEP).
SEPs allow an employer to make tax deductible
contributions to an employee’s tax-deferred IRA.
Most SEPs are free to employers to set up, but this
plan type lacks value and is an ineffective financial
planning tool. The downside of SEPs are many:
• Limits: Annual contribution limits are the
lesser of 25% of taxable income each year or
$56,000.
A 401(k) plan w/ Profit sharing plan allows for
$56,000 in annual contributions for those under 50
years of age, and $62,000 for those over 50. The
401(k) plan w/ Profit sharing plan also allow tiered
contributions based on employee groups reducing
expense, and vesting schedules can be determined
based on business goals.
THE POWER OF THE COMBO-K
The charts below demonstrate the increase in
contribution amounts you can receive and the
resulting asset growth over 15 years, compared to a
401(k) plan or 401(k) w/ profit sharing plan alone.
BUILDING WEALTH WITH
CASH BALANCE PLANS
Cash balance plans can help high-net-worth
individuals realize tax deductions and savings
rates up to 4x greater than a 401(k) plan alone.
And business owners can contribute hundreds of
thousands of dollars to their retirement each year–
experiencing significant tax benefits, as retirement
contributions are tax deductible.
Benefits of cash balance plans include:
• Reduce Taxes
• Asset Protection
• Attract and Retain Top Talent
• Accelerate Retirement Savings
• Flexibility and Portability
• Expense: The employer must contribute 25%
of total gross compensation to ALL eligible
participants equally. No variation by employee
is allowed.
• Vesting: All contributions are immediately
100% vested which can prove expensive to the
employer for shorter-tenured employees.
4

Your Customized Retirement Planner and Wealth Builder
Below is your individualized path to wealth through maximized contributions. As you can
see, when you combine a 401(k) plan, profit sharing, and cash balance plan, your retirement
plan contributions can increase exponentially from $25,000 to $297,400.
In addition, when you contribute your annual maximum contribution of $297,400, take a
look at your wealth creation in 5, 10, and 15 years.
Think of the possibilities, Sarah!
What could YOU do with this extra financial freedom?
5

Your Customized Tax Reduction Plan
While all working Americans look for tax savings, this can be especially challenging for highincome
earners because you’re often phased out of many common tax breaks.
THE REAL TAX FIX
Retirement plan contributions are tax deductible and in return, you’re able to reduce your adjusted gross
income (AGI) and experience meaningful tax reduction.
Your Tax Planning Grid is outlined below and shows a comparison of having no retirement plan.
EVEN MORE TAX RELIEF
As part of the 2017 Tax Cuts and Jobs Act signed into law, a new tax deduction (IRC § 199A) offers up to
a 20% deduction for those who qualify. The key is lowering your tax bracket if you exceed certain income
ranges. When you sponsor a cash balance plan, your contributions offset and help lower your adjusted
gross income. This gives you an opportunity to qualify for the additional 199A tax deduction, and further
reduce your tax burden.
Your Tax Planning Grid above will show your unique 199A deduction, if you qualify.
6

Your Way to Wealth
Now that you’ve learned about the power of the COMBO-K, we want to show you advanced
strategies for growing even more wealth.
PAVE YOUR ROAD TO WEALTH AND FREEDOM
WealthPRIME and RAI (a Silicon Valley Third
Party Administrator) offer business owners and
entrepreneurs advanced and highly customized
financial solutions on a scale only once offered
through one-on-one consulting. You can now take
advantage of the new tax laws, invest in alternative
asset classes, and maximize your wealth to create
the future and life you truly desire.
• Make the Choice: What if wealth was only 1
choice away? All it takes is for you to decide your
path and take the next step.
• Become a Business Owner: Being a business
owner allows you to receive certain tax deductions
that act as the foundation to future wealth creation.
• Build Your Team: You need the right team of
people around you. Select your financial advisor,
CPA, and Third Party Administrator (TPA) carefully.
• Gain Knowledge: Empower yourself with the
right knowledge.
- Use the WealthPRIME calculator to show you
exactly how much you can invest in a cash
balance plan.
- Learn about the new 199A tax deduction and
how it can help reduce your tax burden.
• Accumulate Savings: Accumulate money through
qualified retirement plans.
• Mitigate Your Taxes: Work with WealthPRIME
and your Advisor to uncover ways to help reduce
your income and lessen your tax burdens.
• Drop Your Tax Bracket: Through smart tax
mitigation you can drop your tax bracket and
receive even more tax relief.
• Grow: Grow your wealth by making consistent
and maximum annual contributions into your
retirement plan. Your goal is to grow your
retirement assets to $1 - $3 million.
• Rollover Assets: Once you reach $1 - $3 million
in asset growth, it’s time to close your cash balance
plan and rollover your assets to 401(k) plan.
• Go ROTH: Convert those assets into a Roth
retirement plan. Pay the taxes one time and now
you have what’s called dry powder to invest as you
see fit. Get help from your advisor and TPA to help
you put money aside to pay the taxes.
• Invest in Alternative Assets: Invest your dry
powder in alternative and private company stocks.
• Find the Right Investments: Get in the right
circles and seek out gatekeepers to support you in
locating the right investments.
• Reach Financial Success: Diversify your
investments with your dry powder, work to find
a winning investment, and grow your wealth to
multiple seven figures and beyond.
• Your Final Destination: Reach the success you
desire and live truly free.
TAKE THE NEXT STEP TODAY
If you’re ready to make the choice to build wealth
and live free, call 855-774-6340 or send an email to
Dan@WealthPrime.com.
7

CLAIM YOUR WEALTH
TM
WealthPRIME will transform the way your wealth accumulates...
giving you new levels of freedom, success, and happiness.
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