How Will the GOP Tax

Reform Effect You?

LIFETIME INCOME CASE STUDY

Presented by Financial Sense Advisors, Inc.
Registered Investment Advisor 3 American Families
 Important Notice:
This is a hypothetical illustration based on real life
examples. Names and circumstances have been
changed. The opinions voiced in this material are
for general information only and are not intended
to provide specific advice or recommendations for
any individual. To determine which investments or
strategies may be appropriate for you, consult
with a financial advisor prior to investing.

Financial Sense Advisors, Inc.

Registered Investment Advisor
 FAMILY 1:
LARRY LOTSABUCKS & HIS WIFE AND 2 KIDS

Key Points
$1,000,000 in gross income (W-2)
Married couple
2 Children
 FAMILY 1:
LARRY LOTSABUCKS & HIS WIFE AND 2 KIDS
Details California New York Ohio Florida
Gross Income (Passthrough) $1,000,000 $1,000,000 $1,000,000 $1,000,000

Deductions:
Mortgage Interest $13,700 $13,700 $13,700 $13,700
Charitable Contributions $4,305 $4,305 $4,305 $4,305
SALT $73,100 $86,500 $36,300 $0
Medical Expenses $1,000 $1,000 $1,000 $1,000
Property Taxes $8,300 $8,300 $8,300 $8,300
Taxable Income $899,595 $886,195 $936,395 $972,695

Decrease in Federal Tax Liability -$86,810 -$86,810 -$91,710 -$100,640

Percentage of Tax Savings 8.68% 8.68% 9.17% 10.06%

Financial Sense Advisors, Inc. All calculations for Tax Liability calculated using WSJ GOP
Registered Investment Advisor Tax Plan Collector. For further details, see the disclosures page.
 FAMILY 2:
ROB LOTSABUCKS & HIS WIFE AND 2 KIDS

Key Points
$1,000,000 in gross income from their trust (Passthrough)
Married couple
2 Children
 FAMILY 2:
ROB LOTSABUCKS & HIS WIFE AND 2 KIDS
Details California New York Ohio Florida
Gross Income (W-2) $1,000,000 $1,000,000 $1,000,000 $1,000,000

Deductions:
Mortgage Interest $13,700 $13,700 $13,700 $13,700
Charitable Contributions $4,305 $4,305 $4,305 $4,305
SALT $73,100 $86,500 $36,300 $0
Medical Expenses $1,000 $1,000 $1,000 $1,000
Property Taxes $8,300 $8,300 $8,300 $8,300
Taxable Income $899,595 $886,195 $936,395 $972,695

Decrease in Federal Tax Liability -$15,440 -$15,440 -$20,340 -$24,420

Percentage of Tax Savings 1.54% 1.54% 2.03% 2.44%

Financial Sense Advisors, Inc. All calculations for Tax Liability calculated using WSJ GOP
Registered Investment Advisor Tax Plan Collector. For further details, see the disclosures page.
 FAMILY 3:
AVERAGE ANDREW & HIS WIFE AND 2 KIDS

Key Points
$100,000 in gross income (W-2)
Married couple
2 Children
 FAMILY 3:
AVERAGE ANDREW & HIS WIFE AND 2 KIDS
Details California New York Ohio Florida
Gross Income (W-2) $100,000 $100,000 $100,000 $100,000

Deductions:
Mortgage Interest $6,100 $6,100 $6,100 $6,100
Charitable Contributions $4,305 $4,305 $4,305 $4,305
SALT $7,900 $9,100 $4,700 $0
Medical Expenses $1,000 $1,000 $1,000 $1,000
Property Taxes $3,700 $3,700 $3,700 $3,700
Taxable Income $76,995 $75,795 $80,195 $84,895

Decrease in Federal Tax Liability -$990 -$810 -$1,470 -$2,170

Percentage of Tax Savings 0.99% 0.81% 1.47% 2.17%

Financial Sense Advisors, Inc. All calculations for Tax Liability calculated using WSJ GOP
Registered Investment Advisor Tax Plan Collector. For further details, see the disclosures page.
 Disclosures:
1. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as
interest rates rise and bonds are subject to availability and change in price.

2. The payment of dividend is not guaranteed. Companies may reduce or eliminate the payment of dividends
at any given time.

3. Fixed annuities are long-term investment vehicles for retirement purposes. Gains from tax-deferred
investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying
ability of the issuing company. Withdrawals made prior to age 59 1/2 are subject to a 10% IRS penalty tax
and surrender charges may apply.

Notes: Source is Wall Street Journals GOP Tax Plan Calculator. The two bills need to be reconciled into one, but using a
simplified version of the Penn Warton Budget Model, which analyzes the impact of the biggest factors in the House bill, you
can calculate an estimate your tax liability for 2018 through 2027. The calculator does not take into account earnings from
capital gains or dividends. Calculations are illustrative and should not be used to tax fillings purposes. Please consult your tax
consultant for specific tax advice.

Financial Sense Advisors, Inc.

Registered Investment Advisor
Financial Sense Advisors, Inc.
Registered Investment Advisor

If you have any specific questions or comments, please give us a call at

(858) 487-3939
Were happy to speak with you.

Post Office Box 503147 - San Diego, CA 92150-3147

10809 Thornmint Road 2nd Floor - San Diego, CA 92127-2403
(888) 486-3939 Toll Free (858) 487-3939 Tel (858) 487-3969 Fax

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An SEC Registered Investment Advisor.