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Make the most of your Retirement Account for you and for those you care about most…

The STRETCH IRA Plus. Make the most of your Retirement Account for you and for those you care about most…. Source: Investment Company Institute. The STRETCH IRA Plus. Goals:. Substantially reduce the taxes you are currently paying on your retirement account.

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Make the most of your Retirement Account for you and for those you care about most…

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  1. The STRETCH IRAPlus Make the most of your Retirement Account for you and for those you care about most… Source: Investment Company Institute

  2. The STRETCH IRAPlus Goals: Substantially reduce the taxes you are currently paying on your retirement account. Dramatically increase the value of your retirement account so that the money is there when you really need it. Ultimately leave 2 to 3 times as much to your children or 3 to 4 times as much to your grandchildren. PlusLeveraging your required minimum distributions for maximum wealth transfer on an income tax-free basis.

  3. The STRETCH IRA Sample Stretch IRA Current IRA Account Value: $100,000 Interest rate:5.25% Owner Age:72 Spouse Age:70 Beneficiaries:Son, age 40 (50%) Grandson, age 10 (50%)

  4. The STRETCH IRA Sample Stretch IRA $100,000 IRA Value Assuming normal life expectancies: Total distributed to Owner & Spouse: $115,009 Total distributed to 40 year old son:$ 83,093 Total distributed to 10 year old grandson:$213,416

  5. The STRETCH IRA Sample Stretch IRA Total potential distribution utilizing the STRETCH IRA concept: $ 411,518 Initial IRA Value $100,000

  6. The STRETCH IRAPlus $ The Plus strategy utilizes required distributions to lock in an additional benefit that increases wealth income-tax free: $ 411,518 Initial IRA Value $100,000

  7. Some experts refer to the IRA as a tax time bomb… The Stretch IRA Plus can defuse it! This is NOT legal or tax advice or other professional service. If legal or tax advice or other expert assistance is required, the services of a competent professional person should be sought

  8. Defusing the tax time bomb… IRA Required Distributions $ LIFE INSURANCE

  9. Defusing the tax time bomb… A life plan can immediately increase the overall estate value. LIFE INSURANCE

  10. Defusing the tax time bomb… A life plan can lock in this value on a guaranteed basis while protecting the asset from unnecessary taxation. LIFE INSURANCE

  11. The STRETCH IRAPlus What makes Life Insurance Federal Income Tax Free? “Life insurance proceeds paid to you because of the death of the insured person are not taxable…”

  12. Defusing the tax time bomb… These increased values can be completely protected from market risk. LIFE INSURANCE

  13. Defusing the tax time bomb… Properly structured, a life policy can also avoid the costs and delays associated with probate. LIFE INSURANCE

  14. The STRETCH IRAPlus Back to Our $100,000 IRA Example Assuming normal life expectancies: Total distributed to Owner & Spouse: $115,009 After Taxes This is Actually Worth: $86,256 * * Assumes 25% state and federal taxes

  15. Defusing the tax time bomb… IRA Required Minimum Distributions $153,261 Income Tax-Free* *Life insurance proceeds are generally federal income tax-free.

  16. The STRETCH IRAPlus Total distributed to Son: $ 83,093 IRA Distributions to Heirs Total distributed to Grandson: $213,416 Plus $153,261 Income Tax-Free* $449,218 Total Value 34% Income Tax-Free! *Life insurance proceeds are generally federal income tax-free.

  17. What can the Plus concept do for you? The STRETCH IRAPlus • Immediately increase the value of your assets. • Increased values can be fully guaranteed. • Increased values are free from market risk. • Generally exempt from federal income taxes. • Available cash for unexpected emergencies. • No probate costs if properly structured. • Proceeds transfer rapidly; no delays. • Unlike a will, properly designated beneficiaries cannot be contested.

  18. Defusing the tax time bomb Act Now: • We are here to make the process simple for you! • Do you want to reduce your taxes on your IRA? • Do you want to continue tax-deferred accumulation for as long as possible? • Do you want to guarantee income tax-free benefits to your heirs? • Could your heirs benefit from this concept? • We can help you structure a safe, prudent, and powerful Stretch IRAPlus for you and your family. This is NOT legal or tax advice or other professional service. If legal or tax advice or other expert assistance is required, the services of a competent professional person should be sought

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