John Montoya

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“A good man leaves an inheritance for his children’s children” Proverbs 13:22 Multi-generational Wealth

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Wealth A result of how families manage money generation to generation

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Avoid Wealth Killers Financial Loss Taxes Paying Interest

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Stock RISK Still excited about stocks?

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Avoid Wealth Killers Financial Loss Taxes Paying Interest

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US DEBT: UP 300% “America’s liabilities and unfunded promises has risen from $20.4 trillion in 2000 to $62.3 trillion in 2009…” David Walker Former US Comptroller General Served under 3 US Presidents Avoid Wealth Killers Financial Loss Taxes Paying Interest

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REALITY IS WORSE! “…2009 figures DO NOT INCLUDE the operations of the Federal Reserve…nor the Treasury’s decision …to GUARANTEE $5 trillion in Fannie Mae and Freddie Mac debt.” David Walker Former US Comptroller General Avoid Wealth Killers Financial Loss Taxes Paying Interest

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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) Avoid Wealth Killers Financial Loss Taxes Paying Interest

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Americans spend 34.5% of every dollar on INTEREST Avoid Wealth Killers Financial Loss Taxes Paying Interest Avoid Wealth Killers Financial Loss Taxes Paying Interest

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How much do YOU throw away?

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Salary: 67,000 Savings: 6,700

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Do you earn a 345% return? Do you earn a 345% return?

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Banks NEVER show you this The Amortization Schedule Home Loan Loan: $100k Rate: 8% Term: 30 yrs

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164% Home Loan Loan: $100k Rate: 8% Term: 30 yrs The Amortization Schedule

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First 5 Years $ 4,929.79 principal + $39,095 interest $44,025.60 Total Paid Out 89% of money paid is applied to interest during first 5 years. The Amortization Schedule

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85% went to interest You still have 224 payments to go. 11 Years, 4 Months $14,945 principal + $85,579 interest $100,525 Still Owe $85,054

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Car Loan Loan: $10k Rate: 8% Term: 5 yrs 21.6% The Amortization Schedule

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Interest Paid (% of total paid) 1st Yr: 30.36% 2nd Yr: 24.58% 3rd Yr: 18.32% 4th Yr: 11.54% 5th Yr: 4.2%

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When can you harvest? English Walnut: 20 years The best time to plant a tree is 20 years ago. The second best time is today. -African Proverb

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Present Value: $2,165 Future Value: 30 yrs: $21,795 90 yrs: $2,206,858 150 yrs: $223,459,961 Car Loan Loan: $10k Rate: 8% Term: 5 yrs

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Present Value: $164,160 Future Value: 30 yrs: $1,651,890 90 yrs: $167,265,570 150 yrs: $16,936,820,446 Home Loan Loan: $100k Rate: 8% Term: 30 yrs

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Solution A non-MEC, whole life insurance policy… with a participating, non-direct recognition issuer… makes an ideal vehicle to avoid the 3 wealth killers.

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Whole Life Cash Value Death Benefit

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Whole Life Death Benefit Guaranteed Growth with dividends Participating Tax-Free Transfer Level Premiums ‘Guaranteed’ is based on the claims paying ability of the issuer and the policy owner paying the required premiums.

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Whole Life Cash Value Benefits Growth Guaranteed Growth Tax Deferred No Loss Guaranteed Dividend Income Participating - Dividends are NOT Guaranteed Access for Any Purpose No Surrender Charges ‘Guaranteed’ is based on the claims paying ability of the issuer and the policy owner paying the required premiums.

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Goal Each Generation Moves up One “Class Level”

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Save & Pay Off Debt (Simultaneously)

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Save & Pay Off Debt (Simultaneously)

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Save & Pay Off Debt (Simultaneously)

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Save & Pay Off Debt (Simultaneously)

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Save & Pay Off Debt (Simultaneously)

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Save & Pay Off Debt (Simultaneously)

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Save & Pay Off Debt (Simultaneously)

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Save & Pay Off Debt (Simultaneously)

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Is this too good to be true?

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FACTS: 140+ Year Old Companies ‘A’ (Excellent) Rating with AM Best. No one lost money with them—EVER

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How Do Other Options Measure Up? 401k IRA Mutual Funds Real Estate Bonds Private Investments Financial Loss Taxes Paying Interest Do they avoid wealth killers?

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Is your retirement secure?

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Avoid Wealth Killers Financial Loss Taxes Paying Interest

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Avoid Wealth Killers Financial Loss Taxes Paying Interest 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)

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Do you earn a 345% return? Avoid Wealth Killers Financial Loss Taxes Paying Interest

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Whole Life No Loss Guaranteed1 Tax Deferred Growth Take money Tax Free2 Death Benefit Tax-Free Save & Pay Off Debt Simultaneously3 ’Guaranteed’ is based on the claims paying ability of the issuer & the policy owner paying the required premiums. 2. ‘Tax Free’ assumes dividend income until baseline is hit (FIFO rule—First In/First Out) and policy loans thereafter to prevent a taxable event. Dividends are a return of premium, are not guaranteed, and may fluctuate based on the annual experience of the issuer. 3. Loans against your policy accrue interest and decrease the death benefit and cash value by the amount of the outstanding loan and interest. Financial Loss Taxes Paying Interest Avoids the 3 Wealth Killers

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Sleep at night! Your policy grows the same EVEN if you become DISABLED and can’t fund it* *Requires the Waiver of Premium Disability Rider (WPD)– subject to limitations described on rider page.

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Learn More Request a private consultation of your situation. John Montoya JLM Wealth Strategies, Founder IBC© Authorized Practitioner CA Life#0C42222 www.jlmwealthstrategies.com john@JLMws.com Call: (925) 386-6639

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