The 401Rx Plan^TM is designed to help business owners and employees pre-fund the health care expenses they will incur in retirement. According to Fidelity Investments, a 65-year-old couple retiring in 2012 will need $240,000 to pay medical expenses through retirement. This figure assumes Medicare remains solvent and does not change and this figure does not include over-the-counter medications, vision, dental and long term care – when those are added the amount needed exceeds $500,000! The 401Rx Plan^TM allows prefunding of these expenses while still working, with tax deductible contributions, tax free growth, and tax free withdrawals for qualified medical expenses.

This is not simply a health insurance policy – It is a comprehensive and multi-faceted health care strategy designed specifically for the self-employed, franchisees and independent contractors.

Depending upon your employment circumstances you may be able to take advantage of this leveraged 162 executive benefit plan. Under The Kai-Zen Plan^TM you can not only provide a valuable life insurance benefit for your family but you can also significantly increase your retirement savings. The best part is that we have already made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan.

The ABIL Plan^TM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.

All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.

Our Advisors work closely with individuals and families to help you guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets A.R.G. apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.

Traditional

Non-Traditional (minimum income and net worth requirements may apply)

The 401Rx Plan^TM is designed to help business owners and employees pre-fund the health care expenses they will incur in retirement. According to Fidelity Investments, a 65-year-old couple retiring in 2012 will need $240,000 to pay medical expenses through retirement. This figure assumes Medicare remains solvent and does not change and this figure does not include over-the-counter medications, vision, dental and long term care – when those are added the amount needed exceeds $500,000! The 401Rx Plan^TM allows prefunding of these expenses while still working, with tax deductible contributions, tax free growth, and tax free withdrawals for qualified medical expenses.

This is not simply a health insurance policy – It is a comprehensive and multi-faceted health care strategy designed specifically for the self-employed, franchisees and independent contractors.

The ABIL Plan^TM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.

All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.

Depending upon your employment circumstances you may be able to take advantage of this leveraged 162 executive benefit plan. Under The Kai-Zen Plan^TM you can not only provide a valuable life insurance benefit for your family but you can also significantly increase your retirement savings. The best part is that we have made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan.

The ABIL Plan^TM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.

Our Advisors work closely with individuals and families to help you guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets A.R.G. apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.

Traditional

Non-Traditional (minimum income and net worth requirements may apply)

The Health Options Plus^TM is a comprehensive supplemental benefits plan that can help you reduce the upfront costs and coverage gaps of your current health plan. It is also available for individuals and families that do not have group health insurance.

The Kai-Zen Plan^TM is a leveraged benefit plan that can not only provide you with a valuable life insurance benefit for your family but can also help significantly increase your retirement savings. The best part is that we have made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan. This is available as a Voluntary Benefit Plan which means that you can participate in the plan even if it is not offered by your employer.

All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.

Our Advisors work closely with individuals and families to help you guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets A.R.G. apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.

Traditional

Non-Traditional (minimum income and net worth requirements may apply)

The 401Rx Plan^TM is designed to help business owners and employees pre-fund the health care expenses they will incur in retirement. According to Fidelity Investments, a 65-year-old couple retiring in 2012 will need $240,000 to pay medical expenses through retirement. This figure assumes Medicare remains solvent and does not change and this figure does not include over-the-counter medications, vision, dental and long term care – when those are added the amount needed exceeds $500,000! The 401Rx Plan^TM allows prefunding of these expenses while still working, with tax deductible contributions, tax free growth, and tax free withdrawals for qualified medical expenses.

Depending upon your employment circumstances you may be able to take advantage of this leveraged 162 executive benefit plan. Under The Kai-Zen Plan^TM you can not only provide a valuable life insurance benefit for your family but you can also significantly increase your retirement savings. The best part is that we have already made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan.

The ABIL Plan^TM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.

All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.

Our Advisors work closely with individuals and families to help you guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets A.R.G. apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.

Traditional

Non-Traditional (minimum income and net worth requirements may apply)

The 401Rx Plan^TM is designed to help business owners and employees pre-fund the health care expenses they will incur in retirement. According to Fidelity Investments, a 65-year-old couple retiring in 2012 will need $240,000 to pay medical expenses through retirement. This figure assumes Medicare remains solvent and does not change and this figure does not include over-the-counter medications, vision, dental and long term care – when those are added the amount needed exceeds $500,000! The 401Rx Plan^TM allows prefunding of these expenses while still working, with tax deductible contributions, tax free growth, and tax free withdrawals for qualified medical expenses.

This is not simply a health insurance policy – It is a comprehensive and multi-faceted health care strategy designed specifically for the self-employed, franchisees and independent contractors.

The ABIL Plan^TM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.

All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.