"When Boston College's Munnell looked at the returns 401(k)s have actually produced compared with the projections, the difference was sobering.

GONE just like that How to protect your retirement money from the next market crash © 2010, Douglas L. Orchard, All Rights Reserved

Boston College “The average 55-to-64-year-old should have a 401(k) balance of $320,000….but held just $78,000 — and that was before the market meltdown.”

403(b) Issues Contribution Limits Market Risk Taxes in Retirement

¼ of Population Retires

Source: http://www.pgpf.org/resources/PGPF_CitizensGuide_2009.pdf

In 15 years, our nation will only have 2.25 workers per retiree

Where will the money come from?

Source: http://www.pgpf.org/resources/PGPF_CitizensGuide_2009.pdf

TAXES DOUBLE “If we don’t deal with this problem immediately, we could easily see our Federal taxes DOUBLE in the next 20 years!” David Walker Former US Comptroller General Source: National Public Radio (March 9, 2010)

What tax rate will you pay in retirement?

Insurance-Based Solution NO Contribution Limits NO Market Risk NO Retirement Tax

S&P 500

S&P 500

S&P 500

S&P 500

S&P 500

S&P 500

S&P 500

S&P 500

S&P 500

S&P 500

S&P 500

What If...

What If...

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

S&P 500 vs. iUL

iUL 8.2% Growth Insurance Option Sample Start Saving: Age 30 Monthly: $600/mo. ($7,200/yr) Retirement Retirement Age 65 Monthly $10,500/mo. ($127,000/yr) Age 100 Total $4,463,000 Death Benefit $3,400,000 NO CONTRIBUTION LIMIT NO MARKET RISK NO TAX IN RETIREMENT NEVER RUN OUT OF MONEY