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Don't you agree that there are 5 "income un-certainties" in life: layoff, critical illness, disability, pre-mature death, and retirement. Wouldn't "income certainty" be a big relief? Owning a fully-financed, insured, well managed commercial property, with guaranteed rental leases, is a solution. A 5-in-1 Solution! Learn how to own this property with zero capital outlay!
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How to make your insurance tax efficient
In the first instance, seek the advice of an independent financial adviser. Quantum Advisers offers expert independent advice across a range of financial products and services and could save you £££s.
Concept of insurance
Life insurance provides critical financial protection for families. It creates savings that can be used for both expected and unexpected future needs. The funds from a life insurance policy ensure a family's financial security even if the primary breadwinner passes away. Several savings options are available, but life insurance uniquely offers guaranteed returns, safety of capital, liquidity, and tax benefits while also providing a life risk cover. This makes life insurance a prudent choice for responsible financial planning and protecting one's family.
Sp Vs. Whole Life Return
The document is an advertisement for whole life insurance from New York Life. It promotes the guaranteed growth of cash value even during recessions over the past 155 years. It notes that policyholders receive dividends in addition to guaranteed returns, providing tax-deferred savings and life insurance protection. It encourages contacting a local New York Life agent to learn more about using whole life insurance to help meet financial goals and provide a gift to one's family.
McGraw-Hill FC 2011 Tax Guide
The 2011 Tax Guide provides you with a summary of the 2010 Tax Relief Act, and guidelines on:
Tax rates
Payroll taxes
Retirement
Dividends and capital gains
AMT
Estate and gift taxes
Education tax breaks
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The document summarizes a lecture given by wealth advisors Jeff Burrow and Jason Gordo of Valley Wealth, Inc. on the current economy. It discusses how credit markets and subprime lending contributed to the financial crisis. It outlines government attempts to stimulate the economy through capital injections and economic plans. It emphasizes diversification across asset classes to reduce risk and ensure adequate returns and income over the long term.
Estate Planning
Estate planning is important to ensure dependents are cared for after death and to protect hopes and dreams for them. When planning an estate, consider: 1) Having a simple will that is easy to understand and execute; 2) Using a testamentary trust if there are minor children or an ex-spouse; 3) Ensuring enough liquidity to cover taxes and liabilities; 4) Understanding implications of marriage contracts on asset distribution; 5) Choosing an expert executor to efficiently wind up the estate. It is also critical to have life policies to provide immediate cash flow and not fall under the executor.
Current State of UK Pension
The document summarizes the current pension crisis in the UK. It states that 80% of company pension schemes are now underfunded, which means retirees may receive less than expected. It also notes that over 1,000 pension schemes have collapsed due to company failures or unsustainable funding levels. Several factors contributed to the crisis, including the 2008 financial crisis, increased life expectancies, and lack of policies to address growing funding deficits. The crisis has major implications for both current and future retirees' expected pension incomes and standards of living.
deVere Group (UK Pensions Crisis) pdf2
The document summarizes the current pension crisis in the UK. It states that 80% of company pension schemes are now underfunded, which means retirees may receive less than expected. It also notes that over 1,000 pension schemes have collapsed due to company failures or unsustainable funding levels. Several factors contributed to the crisis, including the 2008 financial crisis, increased life expectancies, and lack of policies to address growing funding deficits. The crisis has major implications for both current and future retirees' expected pension incomes and standards of living.
Recommended
How to make your insurance tax efficient
In the first instance, seek the advice of an independent financial adviser. Quantum Advisers offers expert independent advice across a range of financial products and services and could save you £££s.
Concept of insurance
Life insurance provides critical financial protection for families. It creates savings that can be used for both expected and unexpected future needs. The funds from a life insurance policy ensure a family's financial security even if the primary breadwinner passes away. Several savings options are available, but life insurance uniquely offers guaranteed returns, safety of capital, liquidity, and tax benefits while also providing a life risk cover. This makes life insurance a prudent choice for responsible financial planning and protecting one's family.
Sp Vs. Whole Life Return
The document is an advertisement for whole life insurance from New York Life. It promotes the guaranteed growth of cash value even during recessions over the past 155 years. It notes that policyholders receive dividends in addition to guaranteed returns, providing tax-deferred savings and life insurance protection. It encourages contacting a local New York Life agent to learn more about using whole life insurance to help meet financial goals and provide a gift to one's family.
McGraw-Hill FC 2011 Tax Guide
The 2011 Tax Guide provides you with a summary of the 2010 Tax Relief Act, and guidelines on:
Tax rates
Payroll taxes
Retirement
Dividends and capital gains
AMT
Estate and gift taxes
Education tax breaks
Valley Wealth Economy Presentation - March 09
The document summarizes a lecture given by wealth advisors Jeff Burrow and Jason Gordo of Valley Wealth, Inc. on the current economy. It discusses how credit markets and subprime lending contributed to the financial crisis. It outlines government attempts to stimulate the economy through capital injections and economic plans. It emphasizes diversification across asset classes to reduce risk and ensure adequate returns and income over the long term.
Estate Planning
Estate planning is important to ensure dependents are cared for after death and to protect hopes and dreams for them. When planning an estate, consider: 1) Having a simple will that is easy to understand and execute; 2) Using a testamentary trust if there are minor children or an ex-spouse; 3) Ensuring enough liquidity to cover taxes and liabilities; 4) Understanding implications of marriage contracts on asset distribution; 5) Choosing an expert executor to efficiently wind up the estate. It is also critical to have life policies to provide immediate cash flow and not fall under the executor.
Current State of UK Pension
The document summarizes the current pension crisis in the UK. It states that 80% of company pension schemes are now underfunded, which means retirees may receive less than expected. It also notes that over 1,000 pension schemes have collapsed due to company failures or unsustainable funding levels. Several factors contributed to the crisis, including the 2008 financial crisis, increased life expectancies, and lack of policies to address growing funding deficits. The crisis has major implications for both current and future retirees' expected pension incomes and standards of living.
deVere Group (UK Pensions Crisis) pdf2
The document summarizes the current pension crisis in the UK. It states that 80% of company pension schemes are now underfunded, which means retirees may receive less than expected. It also notes that over 1,000 pension schemes have collapsed due to company failures or unsustainable funding levels. Several factors contributed to the crisis, including the 2008 financial crisis, increased life expectancies, and lack of policies to address growing funding deficits. The crisis has major implications for both current and future retirees' expected pension incomes and standards of living.
Avoiding Reqd Min Distributions can save $875,000 of taxes on a $2
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GET OUT OF DEBT!
This document promotes consolidating debts by taking out a new mortgage using the equity in one's home. It offers lower interest rates compared to credit cards, which can save thousands annually. Case studies show two families saving over $11,000 and $22,000 per year respectively by consolidating high-interest debts into a new mortgage. Contact information is provided to set up an appointment to discuss becoming debt-free through this approach.
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This document discusses retirement planning and alternatives to traditional 401(k)s and IRAs. It argues that 401(k)s have high fees and are a poor investment for retirement. Alternative options presented include index universal life insurance policies that allow tax-free growth and access to funds for retirement income, critical illnesses, or chronic conditions. The document claims these policies provide better returns and guarantees than traditional retirement accounts while avoiding taxes and market risk. Disclosures note that withdrawals are subject to surrender penalties and tax liability.
Information On Property Tax Lien Investing
Earn Attractive Annual Yields by Investing in Tax Liens and Deeds purchased by Commercial Equity Partners, Ltd. Your funds are invested through the purchase of Property Tax Liens throughout the United States.
Retirement And Your Money
Want to understand how our population is aging and what it means for you? Want an Action Plan for retirement? Use Abaris' simple tutorial to get answers to these questions and more.
Science has proved it: people today are living longer than ever before. But as average life expectancies have been rising, the mean retirement age has stayed more or less the same. Since 1940 the average life span has gone up about 17 years, now at about age 79, yet the average age of retirement is more or less the exact same, about 65 years old. That leaves a big gap of your life filled without a paycheck, which is why Social Security, pensions and retirement income products are so important.
Despite the importance of Social Security and pension plans, fewer people than ever have pensions today and Social Security rarely covers all of a retiree’s expenses. On average, money received from Social Security only makes up about 42% of an individual’s pre-retirement income. Additionally, Social Security reserves are suffering from underfunding, and are expected to run out by 2033 under current law. Pension plans are great in that they guarantee a lifetime income, but they’re becoming more and more rare. Today, the predominant form of individual retirement savings is in 401(k)s and IRAs. But those plans don’t automatically provide lifetime income, leaving people to struggle with longevity risk: the chance that you live far longer than you expect. If you lead a long healthy life, as you certainly hope to, you’d end up running out of your savings.One solution? Deferred income annuities.
A deferred income annuity is a way of insuring against longevity. You make a payment, or series of payments, to an insurance company. Insurance companies are able to pool risk and use the market for pooling and protection in ways that you can’t on your own. This allows them to pay you an annual income, beginning at some future date, for the rest of your life. Surely stocks tend to yield a greater financial return, but with a deferred income annuity the value is in the guaranteed protection and the peace of mind. Deferred income annuities aren’t right for everyone. If you’re younger than 45, in below average health, most concerned about passing money onto your heirs, able to “self-insure” off the wealth of your investment income, or if you haven’t saved enough and need to keep the money you have in case of emergency then you’re probably not the best fit for a deferred income annuity. But otherwise, you’re looking like a great candidate.
Taxes Decoded
Still don’t understand the difference between qualified and nonqualified funds? Check out this Abaris module to learn how your annuity will be taxed by the IRS.
There are a number of tax implications associated with annuities and, as with all major financial decisions, it’s easy to get confused. We’ve laid out the basic tax implications that you need to know before you make a decision.
The way income annuities are taxed is based on what kind of money goes into the purchase of the annuity. Specifically, whether the input money or premium is pre- or post- tax money. If the input is pre-tax dollars, then the distribution from the income annuity is subject to income tax. If the input funds are post-tax dollars, however, then the distributed payouts are partially taxed, and partially not taxed. This second type of income annuity (the one purchased with post-tax dollars) is known as a non-qualified annuity, and the distribution is broken into a principal, which is not taxed, and a gain, which is taxed.
The size of the gain, meaning the taxed portion of the distribution, is calculated based on the Exclusion Ratio. The Exclusion Ratio is the ratio of the total investment in the contract to the expected return. To further break it down, the total investment in the contract equals the the premium you’ve paid for the contract. The expected return is simply the monthly payout times the IRS expectancy for how long you’ll receive those payments, or your life expectancy. This is no arbitrary number; far from it. The IRS uses actuarial tables based on age, sex, and overall health or longevity expectations to arrive at an average life expectancy of an individual.
You’ve got the framework, now let’s see an example. Say you’ve invested $100,000 (the premium) in an annuity that will pay $750 per month ($9,000 per year), beginning at age 62, for the rest of your life. You are the sole annuitant, meaning the only person receiving the annuity payments, and you take no early withdrawals. According to the IRS longevity tables you’ll receive payments for 22.5 years. In order to determine the tax implications, we must find the exclusion ratio:
Exclusion Ratio = Total Investment in the Contract / Expected Return
Total Investment in the Contract = Premium = $100,000
Expected Return = Yearly Payout x Expected Years of Payout = $9,000 x 22.5 yrs = $202,500
So….
Exclusion Ratio = $100,000 / $202,500 = 49.4%
Therefore, of the $9,000 you’ll receive each year, 49.4% will be non-taxed, meaning $4,446 will be non-taxed. This leaves the remaining taxed portion to be $4,554. The actual tax liability (or how much you pay in taxes) will depend on your individual tax bracket. And once you’ve received the entire premium back in the form of principal repayments, you’ll then be taxed on the entire amount. In this example, beginning at age 84.5 (62 years old + 22.5 years), your payouts would be fully taxed.
Last Chance Retirement Strategy
How to eliminate market risk with the potential to earn up to 15% per year tax-free, have the option to borrow tax-free with no need to repay the loan and take monies out tax-free before or after retirement.
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The document summarizes recent changes to federal estate, gift, and generation-skipping transfer tax laws, and implications for estate planning. The federal estate and gift tax exemption was made permanent at $5.25 million per person but will be adjusted for inflation. This means fewer estates will owe estate taxes, and more lifetime gifting will occur. The generation-skipping transfer tax exemption was also set at $5.25 million. The top transfer tax rate increased to 40%. Portability of exemptions between spouses continues to benefit married couples. The document stresses starting succession planning discussions now to decide how to pass on a farm or business.
Retail Stocks To Watch Ahead Of The Holiday Season
This document provides stock information and performance summaries for several major retailers - Amazon, Kroger, eBay, American Eagle Outfitters, Ross Stores - ahead of the holiday shopping season. It gives the opening price, daily price range, trading volume, market cap, and year-to-date, quarter-to-date, month-to-date and week-to-date percentage changes for each stock on the given date.
Park Hotels & Resorts (PK)
Park Hotels & Resorts is a leading lodging real estate investment trust with a diverse portfolio of 67 premium-branded hotels and resorts located primarily in the United States. Over 85% of its 35,000+ rooms are luxury or upper upscale. In 2015, the company generated $2.7 billion in revenue and $817 million in adjusted EBITDA. While Park Hotels' debt levels are slightly higher than peers, its valuation metrics like EV/EBITDA are lower. The company estimates its portfolio could be replaced at a cost of $18.5 billion, representing a 50% premium to its current enterprise value of $9.1 billion. It intends to continue growing its portfolio through acquis
Iul workshop 10102013
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
Qualified Longevity Annuity Contracts
Want to learn more about how to buy an annuity in your IRA account? Use this Abaris module to find out more about the new guidelines for QLACs and how they fit into your retirement strategy.
In 2014, the US Department of Treasury passed new guidelines that allowed people to buy a certain type of deferred income annuity called a Qualified Longevity Annuity Contract (QLAC). A QLAC is bought within your IRA, 401(k) or similar account and allows you to defer the required minimum distribution, which starts at age 70½ and applies to qualified accounts. Unlike a normal deferred income annuity, which has to be funded with your post-tax dollars (or generally has an income start date before age 70.5), QLACs let you purchase guaranteed income, for life, using your pre-tax dollars.
This is a major step forward for securing retirement income. Before 2014 people were forced to take money out of their IRAs, meaning they had to pay an early withdrawal penalty and pay taxes before they could purchase an annuity. QLACs ensure that your savings don’t run out. QLACs also allow you to defer the required minimum distribution (RMD) payments that the IRS mandates. Usually these payments would begin at age 70½, but under a QLAC you can defer them until age 85. Note: It doesn’t mean you can defer your entire RMD, unfortunately, just the additional amount you would have been subject to if you had not purchased a QLAC.
So what does all this mean for you? Let’s take Jim, a 70 year old male, as an example. If Jim saved $1,000,000 for retirement in his IRA, he comes to a fork in the road with two choices: (1) he can keep all his money in the IRA and earn an annual 4%, or (2) he can purchase a $125,000 QLAC that’ll begin paying out at age 80. This means he’ll keep $875,000 in his IRA and earn 4% annually on that amount.
Initially, Jim’s total income will, in fact, be greater if he keeps the entire $1,000,000 in his IRA. Specifically, his total income, at age 70, with no QLAC would be $26,278, whereas his total income with a QLAC at this time would be slightly less, at $22,993, despite the fact that RMD taxed are lower with a QLAC. Not totally surprising, since earning 4% per year on $1,000,000 is greater than 4% per year on $875,000. But fast forward 10 years, to when Jim is 80 years old. Now his QLAC has begun paying out, so not only is he earning income from his IRA, but from his QLAC, as well. This makes a big difference when you compare his total income without and with a QLAC: $37,657 vs. $56,255, respectively. So now total income with a QLAC is higher, and RMD taxes with a QLAC are still lower! The same goes for Jim at age 90.
In short: though initially total income is higher without a QLAC, once the QLAC begins paying out that changes. A QLAC means your taxes will be lower, that is the taxes on your RMD, and, hence, total income is higher.
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This document discusses the need for insurance and financing. It explains that insurance protects against risks of loss, while financing is needed more today for expenses. Whole life insurance can serve as both insurance and a way to access funds through loans and dividends. Using a whole life policy allows capitalizing payments over time to build a self-funded banking system for financing needs, with advantages like tax benefits, growth, and liquidity. It provides higher returns than traditional savings accounts.
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Avoiding Reqd Min Distributions can save $875,000 of taxes on a $2
Avoiding RMDs () can save $875,000 of taxes on a $2.5 million pre-tax 401(k) account, based on the current 35% top federal marginal income tax rate.
GET OUT OF DEBT!
This document promotes consolidating debts by taking out a new mortgage using the equity in one's home. It offers lower interest rates compared to credit cards, which can save thousands annually. Case studies show two families saving over $11,000 and $22,000 per year respectively by consolidating high-interest debts into a new mortgage. Contact information is provided to set up an appointment to discuss becoming debt-free through this approach.
IUL Presentation
This document discusses retirement planning and alternatives to traditional 401(k)s and IRAs. It argues that 401(k)s have high fees and are a poor investment for retirement. Alternative options presented include index universal life insurance policies that allow tax-free growth and access to funds for retirement income, critical illnesses, or chronic conditions. The document claims these policies provide better returns and guarantees than traditional retirement accounts while avoiding taxes and market risk. Disclosures note that withdrawals are subject to surrender penalties and tax liability.
Information On Property Tax Lien Investing
Earn Attractive Annual Yields by Investing in Tax Liens and Deeds purchased by Commercial Equity Partners, Ltd. Your funds are invested through the purchase of Property Tax Liens throughout the United States.
Retirement And Your Money
Want to understand how our population is aging and what it means for you? Want an Action Plan for retirement? Use Abaris' simple tutorial to get answers to these questions and more.
Science has proved it: people today are living longer than ever before. But as average life expectancies have been rising, the mean retirement age has stayed more or less the same. Since 1940 the average life span has gone up about 17 years, now at about age 79, yet the average age of retirement is more or less the exact same, about 65 years old. That leaves a big gap of your life filled without a paycheck, which is why Social Security, pensions and retirement income products are so important.
Despite the importance of Social Security and pension plans, fewer people than ever have pensions today and Social Security rarely covers all of a retiree’s expenses. On average, money received from Social Security only makes up about 42% of an individual’s pre-retirement income. Additionally, Social Security reserves are suffering from underfunding, and are expected to run out by 2033 under current law. Pension plans are great in that they guarantee a lifetime income, but they’re becoming more and more rare. Today, the predominant form of individual retirement savings is in 401(k)s and IRAs. But those plans don’t automatically provide lifetime income, leaving people to struggle with longevity risk: the chance that you live far longer than you expect. If you lead a long healthy life, as you certainly hope to, you’d end up running out of your savings.One solution? Deferred income annuities.
A deferred income annuity is a way of insuring against longevity. You make a payment, or series of payments, to an insurance company. Insurance companies are able to pool risk and use the market for pooling and protection in ways that you can’t on your own. This allows them to pay you an annual income, beginning at some future date, for the rest of your life. Surely stocks tend to yield a greater financial return, but with a deferred income annuity the value is in the guaranteed protection and the peace of mind. Deferred income annuities aren’t right for everyone. If you’re younger than 45, in below average health, most concerned about passing money onto your heirs, able to “self-insure” off the wealth of your investment income, or if you haven’t saved enough and need to keep the money you have in case of emergency then you’re probably not the best fit for a deferred income annuity. But otherwise, you’re looking like a great candidate.
Taxes Decoded
Still don’t understand the difference between qualified and nonqualified funds? Check out this Abaris module to learn how your annuity will be taxed by the IRS.
There are a number of tax implications associated with annuities and, as with all major financial decisions, it’s easy to get confused. We’ve laid out the basic tax implications that you need to know before you make a decision.
The way income annuities are taxed is based on what kind of money goes into the purchase of the annuity. Specifically, whether the input money or premium is pre- or post- tax money. If the input is pre-tax dollars, then the distribution from the income annuity is subject to income tax. If the input funds are post-tax dollars, however, then the distributed payouts are partially taxed, and partially not taxed. This second type of income annuity (the one purchased with post-tax dollars) is known as a non-qualified annuity, and the distribution is broken into a principal, which is not taxed, and a gain, which is taxed.
The size of the gain, meaning the taxed portion of the distribution, is calculated based on the Exclusion Ratio. The Exclusion Ratio is the ratio of the total investment in the contract to the expected return. To further break it down, the total investment in the contract equals the the premium you’ve paid for the contract. The expected return is simply the monthly payout times the IRS expectancy for how long you’ll receive those payments, or your life expectancy. This is no arbitrary number; far from it. The IRS uses actuarial tables based on age, sex, and overall health or longevity expectations to arrive at an average life expectancy of an individual.
You’ve got the framework, now let’s see an example. Say you’ve invested $100,000 (the premium) in an annuity that will pay $750 per month ($9,000 per year), beginning at age 62, for the rest of your life. You are the sole annuitant, meaning the only person receiving the annuity payments, and you take no early withdrawals. According to the IRS longevity tables you’ll receive payments for 22.5 years. In order to determine the tax implications, we must find the exclusion ratio:
Exclusion Ratio = Total Investment in the Contract / Expected Return
Total Investment in the Contract = Premium = $100,000
Expected Return = Yearly Payout x Expected Years of Payout = $9,000 x 22.5 yrs = $202,500
So….
Exclusion Ratio = $100,000 / $202,500 = 49.4%
Therefore, of the $9,000 you’ll receive each year, 49.4% will be non-taxed, meaning $4,446 will be non-taxed. This leaves the remaining taxed portion to be $4,554. The actual tax liability (or how much you pay in taxes) will depend on your individual tax bracket. And once you’ve received the entire premium back in the form of principal repayments, you’ll then be taxed on the entire amount. In this example, beginning at age 84.5 (62 years old + 22.5 years), your payouts would be fully taxed.
Last Chance Retirement Strategy
How to eliminate market risk with the potential to earn up to 15% per year tax-free, have the option to borrow tax-free with no need to repay the loan and take monies out tax-free before or after retirement.
Taxes & Succession Planning
The document summarizes recent changes to federal estate, gift, and generation-skipping transfer tax laws, and implications for estate planning. The federal estate and gift tax exemption was made permanent at $5.25 million per person but will be adjusted for inflation. This means fewer estates will owe estate taxes, and more lifetime gifting will occur. The generation-skipping transfer tax exemption was also set at $5.25 million. The top transfer tax rate increased to 40%. Portability of exemptions between spouses continues to benefit married couples. The document stresses starting succession planning discussions now to decide how to pass on a farm or business.
Retail Stocks To Watch Ahead Of The Holiday Season
This document provides stock information and performance summaries for several major retailers - Amazon, Kroger, eBay, American Eagle Outfitters, Ross Stores - ahead of the holiday shopping season. It gives the opening price, daily price range, trading volume, market cap, and year-to-date, quarter-to-date, month-to-date and week-to-date percentage changes for each stock on the given date.
Park Hotels & Resorts (PK)
Park Hotels & Resorts is a leading lodging real estate investment trust with a diverse portfolio of 67 premium-branded hotels and resorts located primarily in the United States. Over 85% of its 35,000+ rooms are luxury or upper upscale. In 2015, the company generated $2.7 billion in revenue and $817 million in adjusted EBITDA. While Park Hotels' debt levels are slightly higher than peers, its valuation metrics like EV/EBITDA are lower. The company estimates its portfolio could be replaced at a cost of $18.5 billion, representing a 50% premium to its current enterprise value of $9.1 billion. It intends to continue growing its portfolio through acquis
Iul workshop 10102013
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
Qualified Longevity Annuity Contracts
Want to learn more about how to buy an annuity in your IRA account? Use this Abaris module to find out more about the new guidelines for QLACs and how they fit into your retirement strategy.
In 2014, the US Department of Treasury passed new guidelines that allowed people to buy a certain type of deferred income annuity called a Qualified Longevity Annuity Contract (QLAC). A QLAC is bought within your IRA, 401(k) or similar account and allows you to defer the required minimum distribution, which starts at age 70½ and applies to qualified accounts. Unlike a normal deferred income annuity, which has to be funded with your post-tax dollars (or generally has an income start date before age 70.5), QLACs let you purchase guaranteed income, for life, using your pre-tax dollars.
This is a major step forward for securing retirement income. Before 2014 people were forced to take money out of their IRAs, meaning they had to pay an early withdrawal penalty and pay taxes before they could purchase an annuity. QLACs ensure that your savings don’t run out. QLACs also allow you to defer the required minimum distribution (RMD) payments that the IRS mandates. Usually these payments would begin at age 70½, but under a QLAC you can defer them until age 85. Note: It doesn’t mean you can defer your entire RMD, unfortunately, just the additional amount you would have been subject to if you had not purchased a QLAC.
So what does all this mean for you? Let’s take Jim, a 70 year old male, as an example. If Jim saved $1,000,000 for retirement in his IRA, he comes to a fork in the road with two choices: (1) he can keep all his money in the IRA and earn an annual 4%, or (2) he can purchase a $125,000 QLAC that’ll begin paying out at age 80. This means he’ll keep $875,000 in his IRA and earn 4% annually on that amount.
Initially, Jim’s total income will, in fact, be greater if he keeps the entire $1,000,000 in his IRA. Specifically, his total income, at age 70, with no QLAC would be $26,278, whereas his total income with a QLAC at this time would be slightly less, at $22,993, despite the fact that RMD taxed are lower with a QLAC. Not totally surprising, since earning 4% per year on $1,000,000 is greater than 4% per year on $875,000. But fast forward 10 years, to when Jim is 80 years old. Now his QLAC has begun paying out, so not only is he earning income from his IRA, but from his QLAC, as well. This makes a big difference when you compare his total income without and with a QLAC: $37,657 vs. $56,255, respectively. So now total income with a QLAC is higher, and RMD taxes with a QLAC are still lower! The same goes for Jim at age 90.
In short: though initially total income is higher without a QLAC, once the QLAC begins paying out that changes. A QLAC means your taxes will be lower, that is the taxes on your RMD, and, hence, total income is higher.
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一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
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如果您处于以下几种情况：
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◇面对父母的压力，希望尽快拿到；
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Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.1. Elemental Economics - Introduction to mining.pdf
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
University of North Carolina at Charlotte degree offer diploma Transcript
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