Circle of Wealth® system Help
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Index
What's New
Latest Updates
Revision History
Regulatory Disclosures
Protection Component Assumptions
MoneyTrax Privacy Policy
Dashboards and Features
Main Dashboard
Contact Dashboard
Contact Details
FGPS Data
RRON Data
Todo
Notes
Activity
Ledger
Presentation Dashboard
Presentation Builder
Spending Game Dashboard
Report Builder
Resources Dashboard
Referral Center
Settings
Circle Talk
Amount of money we have is finite
Ways to increase your Circle of Wealth
Three types of money
Wealth transfers are inevitable
Major Wealth Transfers
Put yourself in control of your money
Learn the strategy to win the game
Importance of Process
Club vs. Swing
Eliminate Wealth Transfers
Transferred Money
Fix financial leaks
Financial Prescription
Value of your business
Ways to increase your Business Value
Three components of Business Wealth
Communication Profiles
CP Gateway
Natural Strengths Chart
Most Like Me Statements
CP Presentation
Introduction - Importance of Differences
Problem Solving
Processing Information
Managing Change
Implementation Strategy
Summary
College Planning
Paying For College
Present Day Cost
Cost of an Undergraduate Degree
College vs. Retirement
Inaccurate Assumptions
Impact of the Expense - Direct
Impact of the Expense - Opp Cost
A Typical Approach
College Planning 101
Reducing The Impact
What's The Next Step?
A Complete Solution
College Planning Account Benefits
College Planning Scorecard
Mortgage Master
Many Mortgage Options
Everything You Know...
House is Accumulated Asset
Wealth Transfers are Inevitable
Three Reasons for Mortgage
Effect of Inflation
Opportunity Cost
OC of Down Payment
House ROI
Financing vs. Investing
Lower Interest Perception
15 vs 30-year Loan
Compare Two Mortgages
Initial Assumptions
Paying 30-yr Loan in 15
30-yr + Side Fund Loan Payoff
Cumulative Tax Savings
PLI Alternative
Quiz
Mortgage Belief Quiz
Three Emotional Reasons
Private Reserve Strategy
PRS Introduction
Two Key Financial Concepts
The Strategy in Action
Account Ideal Benefits
Potential Private Reserve Accounts & Benefits
Permanent Insurance as a Private Reserve
Collateralize vs. Pay Cash Strategy - Expense
Collateralize vs. Pay Cash Strategy - Opportunity
Reverse Mortgages
Reverse Mortgage Quiz
Reverse Mortgage Features
What do you know about a reverse mortgage?
Common Misconceptions
Why sooner than later?
Spending Game
Accounts
Cash Flows
Visualizations
Personal Economic Model
Tank View
Spendable Income
Asset Class
Asset Allocation
Model View
Retirement Roadmap
Transferred Money
Estate Transfer
Reports
Tax Master
BTID Buy Term Invest Difference
Initial Assumptions
The Ideal Investment
Less Contributions
Less Ordinary Taxes Paid
How People Pay The Tax
Opportunity Costs
Less OC on Ordinary Taxes
Less Term Premiums
Less OC on Term Premiums
Less Capital Gains Tax
Summary Comparison
IFR Tutorial
3 Ways to Deal with Taxes
IFR Data Entry
Typical view of Compound Interest
Taxes Increase Along with Interest
Increasing Tax Illustration
Alternative Options
Flat Tax Explanation
Flat Tax Illustration
Reducing Tax Explanation
Reducing Tax Illustration
Summary Result Comparison
Closing Summary
CIT Compound Interest Tutorial
CIT Data Entry
Compound Int. and Increasing Tax
Opporunity Cost of Tax
Increasing Tax Liability
Present Value of Taxes Paid
Tax Side Fund Consumption
Calculators
401(Condo)
401(Condo) Data Entry Screen
Qualified Plan / Real Estate
Assets Returns when Sold
Assets Returns upon Death
Summary Comparison
72(t) IRA Access
72(t) Introduction
Method 1: Life Expectancy
Method 2: Amortization
Method 3: Annuitization
72(t) IRA Access Calculator
72(t) IRA Lump Sum Required
Accumulation / Distribution
Allocation Mix
Allocation Mix Intro
Account Risk
Account Taxation
Current Accounts
Desired Allocation
Actual Allocation
Allocation Comparison
Annuities 101
Annuities: Introduction
How Annuities Are Taxed
Asset Backed Annuity Characteristics
Types of Annuities
Fixed Annuities
Indexed Annuities
Variable Annuities
Key Takeaways
Appreciation vs. Equity
Auto Insurance
Average Vs. Actual Return
Budget Builder
Circle of Knowledge
Club Vs. Swing
Custom Screen
Capital Equivalent Value of Life Insurance
Climbing Mt. Everest
Funding Your Retirement 'Mountain'
Capital Equivalent Value of LI
CEV Comparison
Concepts We Can Apply
College Planning 101
How to Pay for College
Qualifying for Financial Aid
College Planning Considerations
Compare Account Types
Comparing Account Types
Account Assumption Data Entry
Single-PEM Account View
Comparison-PEM Account View
Compare Account Summary Values
Compare Forward Mortgages
Comparing Home Finance Strategies
Assumption Data Entry
Mortgage Strategy One
Mortgage Strategy Two
Mortgage One vs Mortgage Two
Compare Reverse to Forward
Comparing Home Finance Strategies
Assumption Data Entry
Reverse Mortgage
Forward Mortgage
Reverse vs Forward Mortgage
Compound Interest in a Taxable Environment
CI Introduction
CI Data Entry
Compound Interest and Taxes Walkthrough
Compounding vs. Speculation
Credit Cards
Credit Cards - An Expense
Credit Cards - Example
Debt 101
Debt: The Road to Financial Ruin
Life's Unexpected Pressures
Debt's Slippery Slope
Debt Elimination
Disability Insurance 101
The Need for Disability Insurance
Disabled and Not Working
Income is Your Most Valuable Asset
Things to Consider
Disability Protection
Disclosure Screen
Distribution Solution
Dist Sln Data Entry
Dist Sln Summary Comparision
Dollar Cost Averaging
Understanding Dollar Cost Averaging
Market Scenarios
Market Scenario Examples
Historic Market Example
Dollar Cost Averaging Takeaways
Double a Penny Every Day
Education Fund Estimator
Finance 101
Finance 101 s1
Finance 101 s2
Finance 101 s3
Finance 101 s4
Financing Cars
Cars are Depreciating Assets
Car Payment Calculator
Future Value of Interest Paid
Estate Planning
You Work Hard to Increase Your Wealth
Possible Largest Transfer - Estate Tax
Other Potential Wealth Transfers
It's Your Choice
3 Ways to Pass On Assets
Estate Planning Documents are the 1st Step
Which Assets to Leave Behind
Famous Estates
Estate Tax
Estate Tax Impacts Your Circle of Wealth
Estate Tax Estimation Data Entry
Estate Tax Estimation Walkthrough
Estate Tax Estimation Notes
Financial GPS
Four Financial Questions
Financial GPS Data Entry
FGPS Projection Calculator
History of Inflation
Homeowners Insurance
Homeowners Protection
How Long Will the Proceeds Last
How Much Income Before SS Taxed?
How Much is Enough
How Much is Enough Considering Inflation
How Much is Enough To Achieve What You Want
Human Life Economic Value
Income Game
Income Game Intro
Income Game
Income Game CDN
IUL Comparison Calculator
IUL Perception vs. Reality
Cost Comparison Calculator
Income Tax
Impact of Income Tax
Inflated Tax Bracket Projection
Income Tax CDN
Impact of Income Tax CDN
Inflated Tax Bracket Projection CDN
Inflation Adjusted Income
Inflation Adjusted Buying Power
Inflation Adjusted Payments
Life Expectancy
Long Term Care
Long Term Care Intro
LTC Calculator
Major Capital Purchases
Major Capital Purchases 101
MCP Definition
Two Ways To Pay for MCP
Major Medical Insurance
Market History
Medicare Premiums / Means Test
Mortgage Amortization Schedule
Mortgages
Mortgages Introduction
Mortgage Interest and Taxes
Mortgage Data Entry
Mortgage In C.O.W.
Mortgage Interest Paid
Opportunity Cost Data Entry
Mortgage Opportunity Cost
Mortgages 101
Finance With a Mortgage
Self-Finance a House
Mortgage Considerations
Needs Vs. Wants
Needs Vs. Wants 101
Life Insurance is a Want Product
Needs Vs. Wants
How Long Will the Proceeds Last
How Much Coverage Can You Own
How Much is Enough For Your Goals
Coverage Summary
Mortgage Down Payment
Mortgage Extra Payments
Mortgage How Long
Mortgage Interest Only
Operating Efficiency in $ or %
Opportunity Cost
Opportunity Cost Explanation
Opportunity Cost Example
Pay Me Now or Later
Pay Off Debt or Contribute to QP?
PLI / House Benefit Comparison
Permanent Life Insurance ROR
Permanent Life Insurance 101
Personal Economic Model
PEM 101
PEM FINRA Reviewed
Presentation Builder
Procrastination
Private Mortgage Insurance
PMI Frequently Asked Questions
PMI Effective Rate Calculator
Property Taxes, Future Value of
Legacy PRS
PRS Objective
Minimizing Capital Transfers
Capital Transers Create Wealth Transfers
Capital Outlay Considerations
How Do You Want to Pay For It?
Buy, Borrow and Pay for Major Purchases
Debtor, Saver, Wealth Creator Visual
Problem with Debt
Problems with Paying Cash
True Cost of Paying Cash
Consider Another Option
Private Reserve Strategy Illustrated
Collateral Capacity
Account Ideal Characteristics
Account Feature/Benefit Summary
PLI as Private Reserve
The Efficiency Enhancer
Economic Value Added
EVA Intro
Decisions Before EVA
Example Decision Before EVA
Placing a Cost on Capital
Example Decision After EVA
Applicable Concepts
A Position of Choice
Economic Squeeze on Capital
Account Benefit Score Card
Qualified Plans 101
How Qualified Plans Work
Plans Do Two Things
Qualified Plan Considerations
Three Types of Money
Types of Qualified Plans
Qualified Plan Fundamentals
Qualified Plan Return Potential
Qualified Plans do Two Things
QP Postpone Tax and the Calculation
Qualified Plans Traditional vs Roth
Qualified Plans vs. Taxable Investments
Qualified Plans: 3 Important Questions
Qualified Plans - The Company Match
Remaining Income Potential
Return on Investment
Required Minimum Distribution
Reverse L.O. Overview
What Is a Reverse Mortgage
What a HECM Does
Requirements
Obligations & Opportunities
Reverse Mortgages 101
Home Equity Can Provide Capital
You Still Own The House
Options for an Existing Mortgage
Options to Access Equity
Risk Account Benefit List
Roth IRA Comparison
Will Taxes Be Higher or Lower?
Roth IRA Conversion
Should IRA be converted to Roth?
Roth Conversion Calculator
Retirement Income Alternatives
RIA Data Entry
Conserve Principal
Consume Principal
Compare Alternatives
Retirement Income Predictability
Principal Subjected to Market Returns
Principal Protected via a Compounding Account
Principal Protected via an Indexed Account
Retirement: Ready or Not
How Prepared are You?
RRON Initial Assumptions
RRON Present Projection
RRON Projection Calculator
RRON Projection Calculator CT3
Return on Investment
Safe Account Benefit List
Savings Efficiency in $ or %
Savings Required for Retirement & Legacy
Sequence Risk
Sequence Risk Initial Assumptions
Sequence Risk during Accumulation
Sequence Risk during Distribution
Simple vs. Compound Interest
Structured Income Stream Estimator
Social Security - Early or Late?
Spender, Saver Wealth Creator
Spender, Saver, Wealth Creator Intro
The Spender
The Saver
The Wealth Creator
SSWC Legacy Provider
Tax - Government Intervention
Tax on Social Security Benefits
Tax Rate History
Tax Rate History CDN
Tax Thresholds
Taxable Accounts 101
How Taxable Accounts Work
Paying Taxes on Growth
Taxable Account Considerations
Ten Minute Lesson on Life Insurance
Ten Minute Lesson on Life Insurance 101
Ten Steps Launchpad
Term Insurance
OC of a Single Term Premium
OC of Multiple Term Premiums
Term Insurance 101
Things to Know about Term Life Ins
How Long Will the Proceeds Last
How Much Coverage Can You Own?
How Much is Enough To Achieve What You Want
Coverage Summary
Time & Money
Three Legged Stool Question 1
Three Legged Stool Question 2
Three Legged Stool Question 3
Today & Tomorrow
Trading Cars
Cars are Depreciating Assets
Car Payment Calculator
Future Value of Interest Paid
TVM+ Time Value of Money
Understanding Policy Loans
Understanding Policy Loans 101
Two Reasons to Take a Loan
Policy Loans for Purchases
Policy Loans for Purchases - Things to Know
Policy Loans for Investments
Policy Loans for Investments - Things to Know_2
Policy Loans in Action
Umbrella Insurance
Wealth and Income Potential
Wealth and Income Potential
Wealth Potential vs Expenditures
What Happens to the Money?
Whiteboard
Wills and Trusts
Yesterday, Today & Tomorrow
Company Specific
C3
Ten Minute Lesson on Life Insurance
Ten Steps Launchpad
C4
Retirement Tax Impact
Tax on Tax