EAG offers a way for retirees to cash out some of their fixed assets, while retaining ownership of them. Estate Advisors Group offers options for planning Estates. Wills, Trusts, and a unique combination of both are covered! Minimize the Estate Taxes, Cash Out Options, Plan for the Future with EAG! Learn more at http://estateadvisors.blogspot.com/ or http://estateadvisor.wordpress.com also on YouTube: http://www.youtube.com/watch?v=lZlnmIDAZdU

1. EAG Estate Planning Solutions
This is not a solicitation to enroll in any program, nor an offer to provide coverage to any individual.
This is for informational and educational purposes only, and not for general circulation.
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2. Lets say an individual has a considerable amount of
assets that are “fixed”. You could sell them off,
but don’t want to. You could borrow against them,
but don’t really want to.
Let’s say you are about retirement age, and want to
leave your assets to your heirs, rather than a
selloff.
What are your options?

3. We may have a plan for you!
What if you could leverage your assets using
your capacity to insure them, and then, while
leaving those assets free of any additional
liens, cash in on the protection itself?
What if you could do this without any upfront
cost?

4. An Example
A recent example involves a 70 year old
individual who had a net worth of about $10
million. After looking over the program, he
chose to protect his estate for about $5 million,
and paid for it with his liquid assets. He could
have done the program using 100 % financing,
but chose not to. Now his estate is worth $15
million, with $5 million of highly liquid capital
available tax free to pay off those pesky tax
collectors, and keep the rest of his estate intact.

5. After Two Years,
Our example has three options:
 He can keep the protection package in place
for the rest of his life.
 He can sell a portion of the protection, and
keep the balance.
 Or he can sell the protection, and recover his
costs and more, sometimes much more…..

6. Option One, Keep the Protection
 No additional costs out of pocket.
 Protection continues for Life.
 His Estate has gained $5 million of tax free
income to pay the taxes when needed.
 If he had financed the premium, he would not
have had to pledge any current assets as
collateral.

7. Selling the Protection Scenario
 After 2 years, he has the option to sell all or part of the
protection package to an outside investor.
 In this example, the market value should be about $1.3m. This
client has the possibility to make a net profit of around $1
million over the initial investment. Nice little starter for a
legacy.
 His Estate is now about $11 million, after that single
transaction.
 In this case, he still has considerable insurance capacity to do
the program again.
 He has recouped his initial investment several times over, and
increased his estate value. That is asset protection!
 No out of pocket costs! A great way to obtain cash from fixed
assets!

8. Wow!
Impressive program, isn’t it? The current
minimum age is 65 years, with decent health,
and the current minimum net worth is $2 m.

9. I am not a Millionaire!
Think about that.
What is the value of real estate owned?
What is your Annual Portfolio Income?
Now add up the vehicles in your fleet.
Now factor in your debt.
Stocks, Bonds, Retirement Accounts
Still think you are no millionaire?

10. Insurance Capacity
Everyone has an Insurance Capacity. In working
years, it can be defined as your earnings
multiplied by your anticipated working years. In
later years, it can be your net worth combined
with your long term obligations, such as an
unpaid mortgage. It can be the market value of a
business or real estate owned, either as a sole
proprietor, partner, or corporation share.
Simplified, that is Insurance Capacity.

11. For More Information:
Estate Advisors Group
PO Box 950128
Oklahoma City, OK 73195-0128
405-370-0696 phone
888-866-5709 toll free
888-370-8551 fax
eag.steve@gmail.com email