Single Premium Immediate Annuity
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This 3-page document provides an illustration of a single premium immediate annuity for a 65-year-old male in Georgia. It shows that with a $100,000 premium, the client would receive monthly payments of $917.56 for 10 years, with $84.23 of each payment being taxable. The exclusion ratio is listed as 90.8%, and additional details are provided about the 10-year period certain payment option.
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Deferred, Indexed Annuity Example
This document is a hypothetical illustration of a flexible premium deferred annuity contract for a 65-year-old male. It includes details on product terms, index account options, and a guaranteed lifetime withdrawal benefit feature. The guaranteed lifetime withdrawal benefit allows for lifetime income payments based on the greater of premiums plus bonuses or a rolling value. The illustration models contract values and credits over various market periods with withdrawals beginning in year 11.
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(Applicant and Income Requirements)
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Six Strategies to Help Retirees Reduce Taxes (3)
An immediate annuity can provide increased monthly cash flow for retirees by converting premium payments into guaranteed monthly payments for life or a term of years. While tax-free bonds are a popular source of income, an annuity may provide higher cash flow due to a portion of payments being tax-free as a return of principal. A hypothetical example showed an annuity providing $17,918 more annual spendable income than tax-free bonds. However, annuities do not leave assets for heirs unless a refund feature is purchased.
42199 6 Page Sales Us Pps
Primerica is the largest independent financial services marketing organization in North America, serving over 2 million clients and insuring over 4.3 million lives. Their mission is to help families become properly protected, debt free, and financially independent through teaching money management skills and providing financial needs analyses and products/services. Many Americans lack adequate savings, protection, and retirement plans. Primerica offers solutions like term life insurance and debt repayment programs to help clients achieve financial security.
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This loan estimate summarizes a $162,000 fixed rate mortgage loan with a 3.875% interest rate to purchase a home for $180,000. The monthly principal and interest payment is $761.78 for 30 years. Closing costs total $8,054 and include origination charges, taxes, prepaid costs, title fees, and initial escrow payments. The borrowers must pay $16,054 at closing, which includes the closing costs, after receiving a $10,000 deposit. The loan has a prepayment penalty of up to $3,240 if paid off within the first 2 years.
Money Matters Class 5: Credit Score
Understanding credit reports and your credit score is Part 5 of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Transamerica Retirement Income Plus Brochure
This document describes the Transamerica Retirement Income Plus variable annuity. It offers lifetime withdrawals with rates between 4-6.5% depending on age. The annuity simplifies retirement planning by reducing choices to investment selection and contribution amount. It aims to grow and protect retirement income through features like annual compounding when withdrawals are not taken. The annuity addresses challenges retirees face like rising lifespans, declining pensions, and low interest rates.
AIG Sample Illustrations for Critical, Chronic & Terminal Illness Benefits II
I recently returned from the MDRT meeting in Vancouver BC, many of the "big hitters" are using the "Living Benefit" policies because of the "added value" they bring to the client along with "something new and different" to the insurance discussion ( i.e. do you have the "old" insurance or the "new" insurance? etc.) They also mentioned the statistic that 80% of the people will have a Heart, Stroke, or Cancer concerns ( Critical Illness) in their lifetime.
Primerica
Primerica is the largest independent financial services marketing organization in North America with over 100,000 licensed representatives serving more than 2 million clients and insuring over 4.3 million lives. Primerica's mission is to help families become properly protected, debt free, and financially independent through teaching money management skills and providing various financial products and services. Primerica offers a Financial Needs Analysis to assess a client's situation and provide customized solutions and programs.
Fthb Credit Its A Brand New Day
This document discusses the importance of credit scores and provides tips for improving your credit score. It explains that a credit score is a 3-digit number between 350-850 that lenders use to evaluate lending risk. Higher credit scores above 720 can save borrowers thousands of dollars in interest costs over the life of a 30-year mortgage compared to those with scores below 620. The document advises reviewing credit reports regularly and disputing any inaccurate information in order to optimize credit scores.
Credit Repair Program- 100% Satisfaction Guarantee!
United Credit Education Services provides credit repair services to help consumers dispute inaccurate or outdated information on their credit reports from the three major credit bureaus. They have over 25 years of experience successfully disputing credit report errors for hundreds of thousands of clients. Their goal is to help clients improve their credit profiles and purchasing power so they can buy a home, start a business, or pursue other financial opportunities. They offer a 5-dispute cycle credit repair program for $499 that provides regular updates and support to dispute credit report errors.
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This document provides information about credit scores and how to improve them. It discusses what factors affect credit scores, such as payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and types of credit used (10%). It recommends ways to boost your score, like always paying bills on time, keeping credit utilization low, paying balances in full each month, and maintaining a variety of older credit accounts. The document also addresses how credit counseling, inquiries and negative information impact credit scores over time.
Six Strategies to Help Retirees Reduce Taxes
http://ekinsurance.com/financial/retirement/
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This document provides an overview of credit scoring and its importance. It discusses the five factors that determine a credit score, including payment history, credit utilization, credit history length, credit mix, and number of inquiries. A low credit score can significantly increase interest rates on loans like mortgages, costing borrowers thousands over the life of the loan. It also outlines tips for improving credit scores, such as paying bills on time, keeping credit utilization low, and maintaining a mix of different credit types. The document emphasizes the importance of not making changes to credit reports or applying for new credit during the loan application process.
Credit Score Information
The document discusses credit scores and their importance. It explains that credit scores are numbers between 300-850 that predict the likelihood of loan default, with higher scores indicating lower risk. The main factors that determine a credit score are payment history (35%), credit utilization ratio (30%), length of credit history (15%), credit mix (10%), and number of inquiries (10%). Maintaining good payment history, low credit utilization, longer credit history, a variety of account types, and limited inquiries maximize credit scores and financial opportunities.
Banking Strategies 8 09[1]
The document discusses banking strategies and solutions for financial freedom, security, and retirement. It presents the Money Merge Account program as an alternative to traditional banking that can help eliminate debt faster through interest cancellation and optimize cash flow. The program aims to help users become their own bank by utilizing whole life insurance and other banking concepts to gain tax advantages and guaranteed returns over traditional investments.
Credit Card Rules
The document summarizes consumer protections for credit card users established by the CARD Act of 2009. It outlines rules regarding credit card agreements, interest rate increases, fees, billing statements, payment requirements, credit limits, credit reports, gift cards and overdraft protection. Key points include requirements that card issuers provide 45 day advance notice of rate hikes or penalty fee increases and allow customers to reject changes by closing their accounts.
deposit & loan strategies featuring service first
A Minnesota credit union launched a $50 checking account rewards program that is attracting new customers and encouraging cross-selling by employees. The program offers a $50 Visa gift card for opening a new checking account and another $50 gift card for referrals from existing members. Since its start two years ago, the program has increased the credit union's checking accounts by over 150% and doubled the number of new checking openings year-over-year. The credit union promotes the program through various marketing channels and monitors its success on a monthly basis.
Managing Your Credit
Credit refers to borrowing money that must be repaid with interest. There are two main types of debt: secured debt, which is tied to a purchased item like a home or car, and unsecured debt like credit cards. Credit reports contain personal information and payment history for credit accounts, public records, and credit inquiries. Maintaining a good credit score involves paying bills on time each month and keeping credit utilization low.
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Jim Juce FG PSIUL 500pm _ 1200 _ 1500 (b_a) a65.pdf
Jim Juce FG PSIUL 500pm _ 1200 _ 1500 (b_a) a65.pdf
AIG Sample Illustrations for Critical, Chronic & Terminal Illness Benefits II
AIG Sample Illustrations for Critical, Chronic & Terminal Illness Benefits II
Credit Repair Program- 100% Satisfaction Guarantee!
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Brinker Capital will reallocate its Destinations mutual fund portfolios to a series of institutional class sub-advised multi-manager mutual funds in order to comply with the DOL Fiduciary Rule and provide a more cost-effective solution for investors. The objectives and portfolio management team of the Destinations portfolios will remain unchanged, and Brinker Capital will transition to a level fee structure that provides a simplified pricing schedule for advice and services. The reallocation to mutual funds will allow Destinations portfolios to maintain the same strategies and risk profiles but in a more cost-efficient structure aligned with the DOL Fiduciary Rule.
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This document is a life insurance policy illustration for a Variable Universal Life Insurance policy for Valued Client. It provides assumptions used in the illustration, including personal details of the client, initial death benefit and premium amounts, investment allocations, charges, and other policy details. The purpose is to show how the underlying investments could affect the policy surrender value and death benefit over time. It also notes that rates of return and values shown are not guaranteed except where clearly labeled.
Non-Qualified, Deferred Compensation with AXA Equitable
BrightLife Grow is a life insurance product that provides wealth accumulation, retirement income, and downside protection. It offers tax-deferred growth, access to indexed accounts with potential upside but protected from downside losses, and the ability to take tax-free loans or withdrawals. The product is designed to be efficient with lower costs than competitors, reliable with its 0% floor protecting against market losses, and flexible to allow customization and adapt to changing needs over time. It can be a way to supplement retirement savings like 401ks and IRAs by providing another source of tax-advantaged funds.
5/31/2014 Destinations Returns
The document shows the monthly and annualized performance of various investment strategies managed by Brinker Capital over different time periods. It includes conservative to aggressive taxable and qualified mutual fund portfolios as well as specialized strategies and major market indices for comparison. Brinker Capital provides customized asset allocation programs using mutual funds selected from different fund families to meet investor needs and risk tolerances.
Brinker Capital/Destinations/2013 strategy results
This document provides performance data for various investment strategies managed by Brinker Capital over different time periods. It shows returns for conservative to aggressive strategies for both taxable and qualified accounts, as well as specialized strategies and major market indices for comparison. Brinker Capital manages mutual fund portfolios designed for different risk tolerances and time horizons. The portfolios are diversified across asset classes using specific mutual funds selected for their ability to manage assets.
Destinations 9/2014 results
The document provides monthly performance data for various Brinker Capital investment strategies over different time periods. Brinker Capital offers a comprehensive mutual fund program that provides asset allocation strategies using diversified portfolios of mutual funds. Performance is shown for conservative to aggressive strategies across both taxable and qualified accounts, as well as specialized strategies and major market indices for comparison.
IRA/Investment Advisory/Aggressive Equity Strategy
- The document provides an investment strategy recommendation from Brinker Capital, Inc. to a valued client.
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- Historical performance shows the recommended strategy outperformed a blended benchmark of broad market indices over various periods since inception, though past performance is not a guarantee of future results.
IRA/Defensive Strategy/Investment Advisory Example
This document provides investment recommendations for a client's qualified retirement account. It recommends a portfolio with a target allocation of 77.5% to fixed income investments like bonds and cash, 7.17% to domestic equities, 1.26% to real assets, and 14.07% to absolute return strategies. The portfolio aims to provide current income and some inflation protection while maintaining low volatility suitable for the account type. Historical returns are provided showing the recommended strategy has outperformed blended benchmarks over various periods since inception.
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留信网认证的作用:
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2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
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6:个人职称评审加20分
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面向美国乔治城大学毕业留学生提供以下服务:
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我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。
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