Annuities grow tax-deferred
Betty & Robert postponed their divorce to benefit the other for Social Security Benefits.
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ANNUITY or LIFE INSURANCE ARBITRAGE
Definition of Arbitrage -
- FREE CONSULTATIONS - IN PERSON OR BY PHONE
Past Success Stories
Gary & Linda was able to increase their Social Security $11,000 a year. .
Patti discovered she was entitled to benefits from her first husband..
Don & Geneva were shocked to learn they were paying more than 3% in annual fees.
Joan and Berry will now protect 1/2 of their assets from a nursing home spend-down.
Robert was disappointed to learn he could have avoided early withdrawal penalties from his IRA.
Presented by Michael J Eberhardt, a Social Security and Retirement Income Planning Specialist and President of the East Valley Chapter of SOFA, a Non-Profit Public Service Organization.
(the simultaneous buying and selling of securities, currency, or commodities in different markets or in derivative forms in order to take advantage of differing prices for the same asset.)
Tips to change your tax and benefit position with you Life & Annuity Policy
Most annuities have fees or spreads
Annuities can provide a partial tax free income
Tax-Free transfers can avoid fees and improve earnings
Arbitrage options can remove tax liability for you and heirs
Life Insurance Arbitrage
Trade you current policy for a larger death benefit
Can your death benefit be used for Tax-free long-term care, or;
Tax-free convalescent care
Your cash value may be able to provide tax-free income if needed.
(taxes must be paid by someone - you or your beneficiaries)
(in many cases fees could be up to 3% annually)
(this is known as an exclusion rate and can only be triggered in certain situations)
(special options can result in larger payouts and tax exclusion)
(many older annuities have higher expenses and lower earning potential)
© 2017 by Michael J Eberhardt
President of The East Valley Chapter of SOFA 480-726-8805