maximizing receipts: capitalizing on expenses

Building and sustaining financial stewardship

© 2006-2008 accruWealth.com

CONVERTING LIABILITIES

INTO ASSETS

FOOD FOR THOUGHT

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Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

© 2006-2008 accruWealth.com

To educate our clients to utilize reliable, financial principles fundamental to making effective decisions about their money.

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

I.R.S. Compliant

Subject to Federal & State Law

Subordinate to the S.E.C.

© 2006-2008 accruWealth.com

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

BANKS

CORPORATIONS (FORTUNE 500)

CHARITIES

INDIVIDUALS

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0 5Years

Simple Interest

(Expenses)

Compound Interest

(Principle)

Building and sustaining financial stewardship

© 2006-2008 accruWealth.com

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

PRINCIPLE

DECREASES

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Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

© 2006-2008 accruWealth.com

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

ROOT CAUSE: MISALIGNED ASSETS

Debt to

Equity

Ratios

Tax

Liabilities

Devaluing

Cash

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Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

© 2006-2008 accruWealth.com

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

Government Incentives

Penalties & Inducements

Betting on future tax rates

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Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

$2895

A Veterinarian Dental X-Ray MachineTo purchase a Dental X-Ray Machine for $2895.00 you have two choices:

1) Pay cash 2) Finance

© 2006-2008 accruWealth.com

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

Assume Age is 45

Price of veterinary Dental X-Ray Machine is $2895.00

Pay cash or finance for three years at 5%

© 2006-2008 accruWealth.com

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

$2895

If you finance, the cost is

$3125

© 2006-2008 accruWealth.com

If you pay cash the cost is

$7,681.30

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

$700 Billion Recovery Plan

Tightening of Credit for Middle America

Establish & Control your own line of

credit

© 2006-2008 accruWealth.com

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

Guaranteed Principle & Interest

High Levels of liquidity without the penalty

Tax Preferential (Tax Free) Growth© 2006-2008 accruWealth.com

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

Commercial

Building or

Residence?Stock

401ks,

403bs, IRAsBanks

Insurance

Companies

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Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

Hybrid Life Insurance ContractsCash Accessible within six monthsCash may be credit protectedCash grows tax freeAccessible now w/o penaltiesServes as collateral for loans

© 2006-2008 accruWealth.com

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

Not death benefit – that’s a bonusNot the rate-of-return- that’s minimalNot the loan rate – that’s enviableA place to accruWealth most favorably

© 2006-2008 accruWealth.com

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

Create my own line of credit

Control the loan repayment schedule

Avoid loan application process

Access cash w/o negative impact on credit

Purpose

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Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

Your Mother’s Term Policy

Your Father’s Cash Value Policy

My Hybrid Permanent Life

Policy

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Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

20 Year Term

Age 100

Face Value (FV)$1,000,000

© 2006-2008 accruWealth.com

Age

100Time

Premiums

Face Value (FV)

$1,000,000

FV = CV

Cash Value (CV)

Base

Face Value (FV)

$1,750,000

© 2006-2008 accruWealth.com

Building and sustaining financial stewardship

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

Income Bank

PolicyDeath Benefit $800K

© 2006-2008 accruWealth.com

Opportunity

Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

DISCOVERY

ASSESSMENT

EDUCATION

DESIGN

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Building and sustaining financial stewardshipBuilding and sustaining financial stewardship

© 2006-2008 accruWealth.com

t: 425-374-5060e: Randall@accruwealth.com

www.accruWealth.com

Building and sustaining financial stewardship

© 2006-2008 accruWealth.com