The Cygnet Process Lifestyle Quality Financial

Benefits of Working with Cygnet 4 Not a “know it all”
Your guide through a field-tested, proven process
Objective with a Fiduciary mindset
Access to Multiple Advisor Team (MAT) #2: Team Effort<br>

Benefits of Working with Cygnet 5 You the Client
Your Family
Your co-workers
Your organization/group
Your employer
State and Federal regulatory agencies #3: Accountability<br>

Benefits of Working with Cygnet 6 Not obligated to one company
We select only top rated companies
We look for optimal balance among the following
Product Price Service
Superior access to products and services compared to…
The “Big Banks”
Full service and discount investment brokers
Insurance agents and companies
Plus
Greater flexibility and variety - Focus on top quality products only
Operate under the Fiduciary Standard #4: Independent Vendor Relationships<br>

Investment Companies We Use to Implement Plans 7 We Manage Portfolios Using “Best in Class” No-Load and Institutional Share Class Mutual Funds and ETFs Other Investments We Have Access to
20,000+ Mutual Funds and ETFs , Individual Securities , Third Party Asset Managers
Separately Managed Accounts, Alternative Investments, Certificates of Deposit<br>

Insurance Companies We Use to Implement Plans 8 ANNUITIES
AIG
Allianz
American General
American National
Annuity Investors Life
AVIVA
EquiTrust
Fort Dearborn
Genworth Life
Great American
Illinois Mutual
ING – Reliastar
ING - USA Life & Annuity
Integrity Life
Jackson National
John Hancock
Liberty Life Ins/RBC
Life Ins Co of the S.W.
Lincoln Benefit Life
Loyal American
MassMutual
MetLife
Midland National
Minnesota Life
Mutual of Omaha
National Integrity Life
National Life
OM Financial
Pacific Life
Presidential Life
Principal
Protective Life
Reliance Standard
Standard Insurance
Sun Life Financial/Keyport
United of Omaha
West Coast Life LIFE INSURANCE
AIG
American General
Allianz
Allmerica Financial
American Investors
American Life & Casualty
American Mayflower
American National
AVIVA
Axa / MONY Life Insurance
Banner Life
Companion Life
Assurity
AVS
Chase Insurance
Cologne Life Reinsurance Co
Coventry First
Empire General life
Fidelity & Guaranty
Fidelity Security
First Colony
First Penn Pacific
Fort Dearborn
Genworth Financial
Genworth Life
Gleaner
Hartford Life
Illinois Mutual
Independent Funding, LLC
Indianapolis Life
ING Reliastar
ING USA Life & Annuity
Integrity Life
John Hancock
Lafayette Life
Legacy Benefits
Lifeline Capital Group LIFE INSURANCE cont...
Lincoln Benefit Life
Lincoln National
Lloyd's of London
Maple Life
MassMutual
MetLife
Minnesota Life
Mutual of Omaha
National Guardian
National Integrity Life
Nationwide
New York Life
North American
Old Republic
OM Financial
Peachtree
Penn Mutual
Penn Treaty
Phoenix Life
Phoenix Life Solutions
Physicians Mutual Life
Principal Life
Protective Life
Prudential / PRUCO
RBC Insurance
Reliance Standard
Savings Bank Life Ins Co of MA
Security Life of Denver Reinsurance
Security Mutual Life of NY
Silverpoint Capital
State Life
Sun Life / Keyport
Sun Life of Canada
Transamerica
Travelers Insurance
Travelers Life and Annuity LIFE INSURANCE cont...
Union Central
United of Omaha
US Financial
US Life Insurance of NY
Welcome Funds
West Coast Life
Western Reserve Life
WilliamPenn of NY LONG TERM CARE
Allianz
Assurity Life
Genworth LTC
John Hancock LTC
Lincoln Financial Group
Lincoln National
MassMutual
MedAmerica
MetLife LTC
Mutual of Omaha
Penn Treaty
Prudential Life DISABILITY INCOME
Aflac
American Public Life
Assurity Life
Fidelity Security
Illinois Mutual
MetLife DI
Principal
Union Central
Colonial HEALTH
Assurant
Blue Cross
Blue Care Network
Guaranteed Trust Life
HAP
Humana
Priority Health
Time
United Health CRITICAL ILLNESS & ACCIDENT
Aflac
American Public Life
Assurity Life
Colonial
Mutual of Omaha<br>

Benefits of Working with Cygnet 9 Have very low operating costs – very little advertising
We rely on word-of-mouth
Our clients help us grow by referring others to us
Our Fiduciary approach draws us to focus on costs
Our independence gives us access to almost all financial products
We prefer to use fee-only, low or zero commission products
We have NO Quotas – for anything from anyone
Clients belong to Cygnet not the advisor (like a law firm)
We’re like a Financial co-operative #5: Lower Costs<br>

Let’s Look at Your Key Issues 10 Let’s Create a To-Do List Now: We Can Prioritize Later Planning
Retirement Income Plan
Financial Planning
Investment Planning
Lump Sum Distribution
Estate Planning
Reducing Income Taxes
Saving for College
Pension/401(k) Plans Investing
401(k) - Rollovers
IRA Distributions & Rollovers
Annuities
Trust Accounts
No-Load Mutual funds
Managed Accounts
Tax-free Income
Guaranteed Income Insurance
Insurance Review
Life Insurance
Disability Insurance
Short-term Health Insurance
Health Insurance
Long-Term Care Insurance
Critical Illness Insurance
Medicare Supplement<br>

Financial Planning Can Help 11 Sound financial decisions
Improve financial control
Manage lifestyle quality
Optimize use of financial resources:
Wages
Benefits
Pension
Social Security
Investments
Savings True Purpose of Financial Planning<br>

Financial Plan Components 12 Estate Planning, Insurance Planning
Insurance agent and/or attorney
Prepare estate plan documents and a personal insurance strategy
Career/Retirement Planning
Family, personnel department, career consultants
Plan your career path and learn required skills and retirement
Fringe Benefits Planning
Benefits department, group enrollment specialists
Make appropriate selections with the benefits you have available at work
Income Tax Planning
Accountant, tax preparer, bookkeeper, TurboTax
Develop strategies to take advantage of IRS rulings to legally postpone or reduce taxes
Investment Planning
Stockbroker, insurance agent, real estate salesman, banker
Identify and put into effect the correct investment strategies Coordination is Critical<br>

Why Most Plans Fail 13 Conflicting advice
Tunnel vision
No coordination
Waste of time and money
Failure to achieve goals Lack of Perspective and Coordination<br>

Why the Cygnet System Succeeds 14 Unique transparent method
Goal oriented
Total coordination Integrates and Coordinates All Planning Components<br>

part-time work money from savings How The Cygnet System Works 15 Cash Flow Connects Your Present with Your Future social security<br>

The Golden Rule 16 Income Needs
Lifestyle
Current (homework)
Retirement (together)
Special expenses
Revenue Sources
Working income
Pension
Social security
Savings Balance Your Resources With Your Requirements<br>

Where Does the Money Go? 17 HOUSING
Mortgage
Rent
Property Tax
Mortgage Insurance
Homeowner Insurance
Water
Sewer
Electricity
Natural Gas
Oil (Fuel)
Telephone
Cable T.V.
Trash Removal
Appliances/Furnishings
Appliance Repair
Home Improvements
Home Maintenance & Repair LIVING EXPENSES
Groceries
Food Out
Alcoholic Beverages
Tobacco/Misc.
Newspapers
Magazines & Books
Membership Dues
Laundry/Cleaning Products
Housekeeping Services
Dry Cleaning
Personal Care Services
Personal Care Goods
Men's Clothing
Women's Clothing
Children's Clothing
Pet Care
Dependent Care
Camps
Donations
Gifts
Personal Cash VEHICLES
Car #1 Loan/Lease
Car #1 Fuel
Car #1 Maintenance & Repair
Car #1 Insurance
Car #2 Loan/Lease
Car #2 Fuel
Car #2 Maintenance & Repair
Car #2 Insurance FUN
Annual Vacation
Occasional Trips
Rec Vehicle Costs
Entertainment
Recreation Services
Recreation Goods
Other MEDICAL EXPENSES
Client's Medical Care
Client's Dental Care
Client's Prescriptions
Client's OTC Medicine
Partner's Medical Care
Partner's Dental Care
Partner's Prescriptions
Partner's OTC Medicine
Medical Insurance
Other PERSONAL INSURANCES
Life Insurance
Group Life Insurance
Disability Insurance
Other ANNUAL SAVINGS
Client's Savings
Partner's Savings TAXES
FICA
Federal Income Tax
State/City Income Taxes<br>

The Golden Rule 18 Income Needs
Lifestyle
Current (homework)
Retirement (together)
Special expenses
Revenue Sources
Working income
Pension
Social security
Savings Balance Your Resources With Your Requirements<br>

...as an example... 19<br>

Why Perspective is Important 20 So Simple - We Forget The Life Cycle The Financial Cycle<br>

Retirement Outcome #1 21 Some People Achieve This Outcome Old and Broke $$$<br>

Retirement Outcome #2 22 A Lot of People Achieve This Outcome Too Old With Too Much Money<br>

Retirement Outcome #3 23 Few People Achieve This Spend All Your Money in Your Lifetime<br>

The 3 Stages of the Cygnet Process 24<br>