RCG

Legal Disclaimer: This presentation is for illustrative and educational purposes only. It is not presented nor should it be treated as legal advice, investment advice, real estate advice, or tax advice. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. Past performance does not predict future results. Results show are unaudited and reflect the reinvestment of all dividends and capital gains.

Achieving & Maintaining Financial Freedom“CEO of Your Life, Day 1 Training”

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Our role as financial advisors and personal “CFO’s”:

“We help our clients get financially organized. We make sure their money is growing and invested properly, and we keep them focused and motivated to reach their goals.”

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Four Questions to Help you Define Your Values

1. What are the three most important values you would want to give your children?

2. List the top five areas into which you invest your time and energy. Ask yourself why.

3. Name three role models in your life. What is it about them that you look up to?

4. Name three of the most memorable experiences in your life; what values do these experiences conjure up?

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Agenda

Defining Your Values

Building Financial Statements

Investing Basics  Economic & Market Update

Goal Setting

Q&A

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Be the CEO of your life!Run your life like it’s the most important business you have!

• The challenge we face as leaders and co-leaders of our families is that we didn’t go to school for this; it is on the job training. Part of Regatta’s mission is to help fill this gap.

• We have limited time today so we are going to give you a sampling of our CEO training curriculum – providing you with some knowledge and tools that you can start implementing right away.

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Motivation! What’s your number?

“Financial Freedom” – This is achieved when your after-tax passive cash flow exceeds your income needs for your life!

For some it is “12x”.

• So, if you make $50,000 maybe you’ll need $600,00 or if you make $100,000 you might need $1.2M.

7What will you do when you are financially free?

www.wordle.net

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• What will happen if you stay on the track you are on? ? ?

• Do you know where you stand?

• Do you sense you could be doing better if you just knew how?

• Do you have a system; a plan; a CFO?

Consider the Consequences of Not Succeeding

9Success - You Can Do This!

Cartoon of overcomer…

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Women investors do better than men

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Yet men are still more (over) confident

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Women save at a higher rate than men

RCGCEO Skill 1: Defining Your Values

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Values, Goals and Financial Planning

Values

The way you want to live your life, the things that are most important to you.

Goals

The “destinations”

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What are your most important values?• Loyalty• Integrity/honesty• Hard work and discipline• Being knowledgeable• Family/family values• Commitment to one’s spouse

and/or children• Religious commitment• Communication• Following through (doing

what you say)• Experiences• Wisdom• Marriage• Friendships• Physical Health

• Mental Health• Self-reliance• Security• Helping others• Personal Growth• Thankfulness• Hobbies• Spirituality• Accountability• Sincerity• Gratitude• Community service• Peace• Efficiency• Success• Frugality

• Privacy• Justice• Compassion• Caring for the environment• Devotion• Excellence• Hospitality• Volunteering• Positive attitude• Tradition• Meaning/purpose• Respect for others• Changing the world• Leadership• Perseverance

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RCGCEO Skill 2: Building your Personal Financial

Statements

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Net Worth Statement

Assets

Liabilities

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Cash Flow Statement

Income

Expenses

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How a Budget Affects Savings

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Keys to Success – Build wealth through saving and investing

• Live beneath your means to unlock huge opportunities

• Create a monthly budget and save automaticallyDiscipline is more important than knowledge, and

much more powerful with it!– Separate your needs from your wants– Powerful tax-deferral and tax-free savings tools can

be unlocked for those with excess cash flow• For example:

– A married couple in their 50s can shelter $48k per year from taxes in 401k accounts.

– If self-employed, this number can go much, much higher depending on age and income.

RCGCEO Knowledge Topic:

Investing Basics

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How to Build Your Wealth Through Saving and Investing

RCGCEO Briefing: Economic & Market Update

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Forecasted GDP Growth for Major Countries

27Interest Rate Update

Description Rates (as of 8/28/15) National Ave

30 YR Fixed Jumbo 4.27%

30 YR Conforming 3.83%

15 YR Conforming 2.95%

30 YR Refi 3.95%

15 YR Refi 3.05%

$30k HELOC 4.97%

5 YR CD 1.45%

Money Market 0.27%

36 Mon Used Car 3.29%

60 Mon New Car 3.13%

28S&P 500 YTD:

29S&P 500 Compared to PG, GM, FB, and AAPL

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Top Ten Investing Principles

10. Resist the urge to get more conservative in a down market.

9. Know where we are in the business and market cycle and invest based on the risk/reward potential and not on an age based rule of thumb.

8. Don’t confuse how the economy is doing with immediate opportunity or risk in the stock market.

7. Don’t let your political views sway your belief or doubt in the market.

6. Don’t think in terms of “in or out” of the stock market.

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Top Ten Investing Principles

5. Avoid time bomb investments.

4. Know the difference between a great company with a bad stock and vice versa.

3. Realize that even big public companies fail; diversify.

2. Understand the risk of being too conservative and living longer than you expect.

1. Be optimistic when others are overly fearful, and fearful when others are overly optimistic.

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Values Based S.M.A.R.T. Goal-SettingTOP 5 VALUES TOP 5 FINANCIAL GOALS SET S.M.A.R.T. GOALS

SPECIFIC, MEASURABLE, ATTAINABLE, RELEVANT, TIMELY

48-HOUR PLANWHAT ACTIONS WILL YOU TAKE IN THE NEXT 48 HOURS?

ENLIST HELPWHO WILL YOU SHAREYOUR GOALS WITH?

START & FINISH LINEWHEN WILL YOU START?WHEN WILL YOU FINISH?

Example: more time with family

Retirement increase contributions to 401(k) from 6% to 12%

call benefits person at work; change contributionsplan by Friday

call your advisor to review investment options in 401(k) plan; ask about a Roth IRA

start tomorrow, finish in a week

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In Conclusion…

• Figure out your “Why”

• Get organized

• Believe in yourself

• Set goals and take action!

• Stay the course

• You’re the CEO, now build your team

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QUESTIONS

Contact Info:Spencer@regattainvest.comRussell@regattainvest.com

36Key Learning Point