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The Blueprints For Tomorrow Scorecard

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• The Big Story

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Im just too busy making money to meet right now!
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Is it too late to complete the planning I need?
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We did not meet our clients needs.
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If only we had a
little more closet space!
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We can do this.
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All I wanted to do was build a closet!
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• The Blueprints For Tomorrow Program is a
  series of blueprints that help business owners
  deal with the what-ifs that keep them lying
  awake at two oclock in the morning staring at
  the bedroom ceiling.

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• The Four What-Ifs
• What if I dont want to do this anymore?
• What if something happens to me?
• What if my key employee leaves?
• What if cash flow does not improve?

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The Working-In-Your-Business Trap
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WI 6
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• Total systemized business
• Put business in growth mode
• Hands Off business by you
• Lock in Key Management Team
• Attract several potential buyers
• Receive maximum cash from sale
• Leave when you want to leave and not stay
  unless you want to stay
• Have a plan what do with the rest of your life
• You control the sale process
• Tools
• Market Value Drivers
• Systemizing the Business
• Golden Handcuffs for the Management Team
• Controlled Auction Environment for the Sale
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• Make sure new owners can run the company
  without you
• Delegate what you are currently doing
• Teach employees to be employers
• Put business in growth mode
• Guarantee income stream from the sale
• Minimize taxes to you
• Minimize taxes to the sellers
• Guarantee that you will not end up with your
  business back
• Have a plan what to do with the rest of your
  life
• Lock in Non-Owner Managers.
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• Tools
• Market Value Drivers
• Systemizing the Business
• Golden Handcuffs for the Management Team
• Well Designed Transition Plan
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• Learn how to be away from the business
• Delegate your current business responsibilities
• Teach employees to be employers
• Put business in growth mode
• Teach new capabilities to new management team
• Clean up all Messes
• Guarantee that business can run without you
• Have a plan what to do with the rest of your
  life
• Lock in Non-Owner Managers
• Tools
• Market Value Drivers
• Systemizing the Business
• Golden Handcuffs for the Management Team
• Well Designed Transition Plan
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• Common issues in any business transition
• Culture vs. Asset
• Systematize Business
• Maximize Cash Flow
• Growth Strategy
• Clean Up Your Messes
• Transition Owner Responsibilities
• Lock In Key People
• Cashing Out

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• Culture vs. Asset
• Put in writing your company story. Your
  business is no longer an asset, it has become a
  culture!

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• Systematize the business
• Every frustration is the lack of a system. Your
  business must be able to operate without YOU!

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• Maximize Cash Flow
• Make sure that cash flow is top of mind for all
  of your key employees.

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• Growth Strategy
• Buyers want to buy businesses that are in growth
  mode and have a solid growth plan.

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• Clean Up Your Messes
• Eliminate One Mess Each Quarter
• Delegate one of your functions
• Introduce relationships
• Put the bully down
• Quit Slumming

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• Transition Your Responsibilities
• Customer Relationships
• Vendor Relationships
• Operations

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• Lock In Keep For Life Employees
• Golden Handcuffs
• Strong Incentive Plans

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• Cashing Out
• Cash Sale Process
• Selling To Insiders

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• Identify Cash Needs that will arise at Death.
• Guarantee Familys income and standard of
  living.
• Finance any educational needs
• Determine additional capital required to
  provide for survivor needs
• Who will operate your business for the
  immediate future and how
• do we guarantee that they will stay.
• Should the family retain the business?
• Should the business be sold?
• Should the business be liquidated on a planned
  basis?
• Does your estate have sufficient liquid assets
  to pay estate taxes?
• Tools
• Survivorship and Income Needs Analysis
• Federal Estate Tax Liquidity Analysis
• Written Contingency Plan
• Document Last Wishes and Desires
• Stay Put Contracts for Go to Employees
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• What can happen if disability strikes.
• What sources of funds might be available to
  replace your income
• during disability
• Need to preserve your independence
• Need to maintain your lifestyle
• Protect your assets from liquidation
• Should the family retain the business?
• Should the business be sold?
• Should the business be liquidated on a planned
  basis?
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• Tools
• Income Needs Analysis
• Determine Available Sources of Income during
  Disability
• Written Contingency Plan
• Stay Put Contracts for Go to Employees

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• Odds of living until retirement
• Determine sources of retirement income
• Can you maintain your standard of living?
• Should you defer retirement?
• Important facts about Social Security
• How much income will you need?
• Power of Tax Advantaged Savings
• Inflation will not retire when you do
• Retirement Planning Options
• The Disposition of the Business
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• Tools
• Retirement Income Analysis
• Determine Available Sources of Income During
  Retirement
• Social Security Benefits Statement
• Design Exit Plan from Business

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• Systematic Savings
• Total Control
• Flexibility
• Risk Tolerance Assessed
• Diversification
• Tax Deferred Growth
• Tax Free Access
• No IRS or ERISA involvement
• Survivorship benefit in the case of premature
  death

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• Business success dependent on key employees
• Determine financial impact of losing a key
  employee
• Prevent key employees from going to competitors
• Offering selective benefits to key employees
• Eliminating replacement costs and reduced
  profits from employee
• turnover
• Teach new capabilities to new management team
• Golden Handcuffs
• Indemnification for the death of key employee
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• Tools
• Deferred Compensation
• Bonus Plan with Termination Penalties
• Restricted Executive Bonus Access Plans
• Key Person Insurance

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• Income for future generations for education
• Income for future generations to purchase homes
• Income for future generations to start a
  business
• Income for future generations to educate their
  children
• Income for future generations to retire
• Minimum time to fund the plan
• Plan funded with Tax Advantaged Dollars
• Tools
• The Blueprint Legacy Plan

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• Preventing Unwanted Heirs from taking their
  portion of the estate
• Reducing the high cost of dying
• Avoiding Probate
• Eliminating Estate Taxes
• Arranging estate so assets will be distributed
  the way you want
• them to be
• Reviewing current estate planning documents
• Updating current estate planning documents
• Tools
• Estate Liquidity Needs Analysis
• Updated Wills and Trusts
• Use of Unlimited Marital Deduction
• Estate Tax Reducer

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• Removal of unnecessary ratings
• Ascertaining if under or over insured
• Verification of Policy Performance
• Verification of Carriers Financial Status
• Reduction of Premium Outlay
• Fiduciary Liability
• Most economical disposition of unwanted and
  un-needed policies
• Tools
• Survivorship and Income Need Analysis
• The Policy Analyst Process
• Life Settlements

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• A complete understanding of your Key Employees
  strengths and
• weaknesses.
• Strategies to meet the demands of the key
  employees environment.
• An understanding of how the Key Employee
  responds to problems
• and challenges.
• Knowing how the Key Employee influences others.
• Knowing how the Key Employee will respond to
  the pace of their
• environment.
• Knowing that the Key Employee will respond to
  your rules and your
• procedures.
• An analysis of the Key Employees manner of
  doing things.
• What will motivate and stimulate the Key
  Employee.
• Tools
• The Key Employee Owners Manual
• Golden Handcuffs

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• Corporate Retirement Planning
• Competitive Retirement Package
• Key Executive Retention Tool
• Tax Shelter for Business Owner
• Wealth Accumulation
• Cost Efficiency
• Tax Efficiency
• Employee Motivation
• Balance and Cost Appreciation of Benefit
• Maximize Retirement Plan Benefits
• Tools
• Executive Benefits
• Non-qualified Deferred Compensation Plans
• Supplemental Executive Retirement Plans
• Group Term Carve-out Programs

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• Know and manage your personal liabilities
• Comply with ERISA rules and regulations
• Control plan fees (hidden and disclosed)
• Manage diversification and investment options
• Increase Employee Participation
• Implement Employee Education
• Tools
• Investor Awareness Guide Seven Deadly Investor
  Traps Audio CD
• Fiduciary Inventory Report
• Free Market Fiduciary Review (FMFR)
• Overlap Study
• Cost Analysis
• Investment Policy Statement

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The Blueprints For Tomorrow Model
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• For More Information
• Blueprints For Tomorrow
• Your Name
• Phone
• Email address
• Thank you for joining us today!

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