Class

Topic and Subjects Covered

1

MORE MONEY THAN YOU’LL EVER NEED©

• The Science of Prosperity – the relationship between resources and lifestyle
• Behavioral Intelligence – A plan that is behaviorally efficient, financially efficient & spiritually efficient
• Point-of-Choice© - Creating the retirement financial storehouse
  • The time when you can choose whether or not to work for an income
  • Knowing the investment assets you’ll need, the assets you’ll likely have, and the options you have for significantly increasing the value of those assets
• The Eight Engines of Net Worth

2

MAKING SURE YOU’LL HAVE ENOUGH

• Completing the plan that contains your own specific financial targets and tools
• Million Dollar Choices© - knowing how small changes in expectations, habits, lifestyles, and/or objectives can create significant changes in our investment portfolios
• R.E.S.I.R.V.© – Recurring Expenses we choose not only to Save but to Invest in the Right investment Vehicles

3

THE MULTIPLIERS

• The Multi-Million Dollar Choices
• The Pension Multipliers – the factors that multiply the value of investment in a 401(k) plan
• The Pre-tax Equivalency Formula
• The Rule of 72

4

THE FIVE INVESTING ABSOLUTES

• The Pillars - Diversification, Allocation, Historical Valuation Pricing, Managing the Managers, New Contributions
• Knowing who Knows – What the past has ‘taught’ us
• ‘So Your Money Has a Death Wish’ Investments

5

ESTATE PLANNING

• The Seven Benchmarks of a Perpetual Legacy – Lessons we’ve learned from those whose children were blessed with the legacy they received
• The Three Expenses to Minimize – Probate, Estate Taxes, Confusion
• The ‘Documents’ – Living Trusts, Wills, General Durable Power of Attorney, Power of Attorney for Health Care
• Legacies that cost little or nothing --  The finest gifts are often those that are least expensive

6

CHOOSING WISELY

• Alma’s Personal Resource Management Model – Did he really say that?
• Insurance – Life, Health, Long-Term Care
• BYU Employee Options – Life, Flex-Spending, 401(k) and Pension Payouts
• Tax – Render unto Caesar
• Prosperous Planning Partners – Marriage and Family Planning Profiles