Slide 1:Financial Retirement Planning & Money Management Advice


Slide 2:Increased security. Travel. Helping future generations. The freedom to do what you want to do when you want to do it. Whatever your retirement dreams, Strategic Money Management will strive to help you make them come true through strategic financial retirement planning. Strategic Money Management educates and helps clients work toward maximizing wealth and substantially reducing taxes on their IRA distribution, thus preserving more money for themselves and their families. Whether you are planning for retirement or enjoying it now, we can help you build and protect your assets for your use and to pass on to the next generation. Our approach to planning for retirement is based on two concepts — education and the use of key financial strategies to preserve your wealth.


Slide 3:Education. At Strategic Money Management, we believe that while it is important to accumulate wealth for retirement, it is how much of that wealth you get to keep that really counts. To help you do this, we continually educate ourselves about issues related to financial retirement planning and IRA distribution rules in particular. Earl D. Schultz, ChFC, president of Strategic Money Management, is a member of Ed Slott’s Elite IRA Advisor Group, through which he has gained specialized knowledge about IRA distribution planning and financial retirement planning. We share this information with our clients through individual consultation and periodic workshops. Key financial strategies. While financial products are important, it is the use of key financial strategies that can help you maximize your wealth and in particular, minimize your taxes, especially on your IRA distribution.


Slide 4:Services IRA distribution tax reduction. We will help you understand and implement concepts and strategies that may allow you to substantially reduce or eliminate income tax on hundreds of thousands of dollars of your retirement plans and IRA distributions. Independent objective portfolio analysis. This comprehensive review of your fixed investments, stocks, bonds and mutual funds indicates how your investments compare to others in a similar investment category and against their benchmark index. Investment portfolio management. Based on your particular circumstances, such as age, income requirements, net worth and risk tolerance, we assist you in choosing appropriate investments for your portfolio.


Slide 5:Services Asset Cycle Portfolio System®. This system helps you understand the purpose for each investment, how it will be used and when it will be used. Income tax and Social Security analysis. Through this analysis, we determine if you may be able to reduce federal income taxes and coordinate your income with Social Security benefits to potentially reduce the tax on both. Long-term care action planning. We assist you in making an informed decision regarding how to better protect your assets while helping you and/or your spouse design a plan with the goal of providing the necessary care to maintain a dignified lifestyle throughout your life.


Slide 6:Services Estate enhancement and preservation. Depending on your situation, your retirement accounts may possibly be reduced by as much as 70% from taxes when you pass wealth from one generation to the next. We suggest strategies to help maximize your wealth and reduce taxes, especially on your IRA distribution. Multi-generational qualified disbursement review. This review considers the impact of a Stretch IRA Strategy, stretching out qualified dollars to potentially save taxes and continued growth of your money for future generations. Life insurance audit and repair. We analyze your life insurance based on your needs with the goal of increasing coverage and potential guarantees with no additional premiums.


Slide 7:Contact us Earl D. Schultz, ChFCStrategic Money Management 180 Sunset Manor DriveBirdsboro, PA 19508Email : eschultz@usa-fs.com   Ph: 610-404-3014Fx: 610-404-3016 Toll Free: 1-877-888-3014