Retirement Planning
Roth IRA
- Nondeductible annual contributions in year 2005
of up to $4,000 ($8,000 for married couples) using a variety
of investments.
- All capital appreciation and earnings grow without
current taxation.
- If certain requirements are met, funds can be
withdrawn tax-free.
- Never before has there been a means of compounding
assets at "taxable" returns with no related income-tax
liability.
- All accumulations can be passed to heirs free
of income taxes.
- People age 50 or older in year 2005 can deposit
an additional $500.
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Roth IRA Conversion
- Traditional IRA may be eligible to convert into
a Roth IRA.
- Converting a traditional IRA into a Roth IRA
is a taxable event.
- Your representative can evaluate the benefit
to you.
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Self-Directed Traditional IRA
- Annual contributions of up to $4,000 ($8,000
for married couples).
- All capital appreciation and earnings grow without
current taxation until funds are withdrawn.
- Flexible way to plan and build substantial retirement
income because you control the specific investments made.
- Investments can be changed at your discretion.
- People age 50 or older in year 2005 can deposit
an additional $500.
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Retirement Landscape
"Retirement security in
a changing world."
A complete and comprehensive Financial Review includes
the following:
- Investment Allocation Review
- Retirement Security Review
- Estate Planning Review
- Life Insurance Needs Review
- Children's Education Review
- Income Tax & Cash Flow Review
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401k
- Employer sponsored program.
- Funded by employee salary deferrals.
- Pre-tax investing.
- Mutual funds or self-directed investing.
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Simple IRA
- Employer sponsored program (less than 100 employees).
- Funded by employee salary deferrals.
- Pre-tax income investing.
- Mutual funds or self-directed investing.
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