| WILL
YOUR MONEY KEEP WORKING FOR YOU WHEN YOU RETIRE? |
| Learn about retirement plans and distribution
methods designed to help your money grow and protect you from taxes and
inflation. |
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Please contact us for details on our
FREE
WORKSHOP |
| If you have over $100,000 in
current retirement assets, you can't afford to miss this
important workshop. |
| People today are
spending more years in retirement than ever before.
They're retiring earlier and looking forward to longer
lives. As a result, they're also looking for ways to make
their retirement income work harder and last longer.
 Will
your retirement funds provide the money you need to enjoy your
leisure time? Will you have the spending
power to travel and pursue the activities
that interest you? Or will daily living expenses consume
most of your income?
The decisions you make at retirement can
affect your quality of life for many years. That's why
it's important to evaluate all of your options and make informed
choices, especially when it comes to one of the most critical
decisions of all - how to take your retirement plan
distribution. Important questions include:
- What tax alternatives can help you keep
more of your income?
- How can you keep inflation from
diminishing your spending power?
- What are the best strategies designed to
achieve a comfortable retirement?
- Which distribution method will best
match your retirement income needs?
- What issues should you consider when
deciding how to invest your money?
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|
CALL
(800) 290-2632 |
| EXPLORING
YOUR OPTIONS |
| Retirement raises many
financial issues that people face for the first time.
That's why it's important to review your investment objectives,
your risk tolerance and your need for balancing income, growth
and stability. |
| Unfortunately, many
people who have retirement plan distributions fail to explore
all of their options. As a result, taxes and inflation
consume more of their retirement income than is necessary, and
they are left without the spending power to enjoy all the
leisure activities that interest them. |
| GOOD
DECISIONS CAN MAKE A BIG DIFFERENCE |
| Consider the
dramatically different results from several income tax
alternatives available to Mr. and Mrs. Morgan, who are taking a
retirement fund distribution in one lump sum of $220,000.
The difference between the highest and the lowest tax
alternatives is nearly $25,000! |
|
INCOME
TAX ALTERNATIVES |
| Capital gains + 10-year
averaging |
$38,300 |
| Capital gains + 5-year
averaging |
$38,500 |
| 10-year averaging |
$42,100 |
| 5-year averaging |
$44,900 |
| Ordinary income tax |
$62,600 |
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| This hypothetical
example is used for illustrative purposes only. It assumes
the Morgans are eligible for all available income tax
alternatives. All numbers are based on 1999 income tax
rates and are rounded to the nearest hundred dollars.
Calculations involving capital gains assume that one-half of the
distribution was accumulated prior to 1974. Actual results
may vary. |
| WHERE
DO YOU START? |
| The Critical
Decisions at Retirement workshop is a great place to
evaluate your options for taking a retirement plan
distribution. There's no cost and no obligation. As
a follow-up, you will be offered a complimentary consultation to
discuss your specific goals. |
| The workshop is a
lively, easy-to-follow presentation with all the latest facts
and figures. In about one hour, we'll show you various
strategies that can help you make your retirement income work
harder and last longer. |
You'll learn about:
- Taking your retirement distribution as
an annuity
- Annuity options, advantages and
considerations
- Taking your retirement distribution as a
lump sum
- Lump sum options, advantages and
considerations
- Special tax alternatives and their
stipulations
- Investing for growth, income and
stability
- Asset classes and investment
diversification
- Practical ideas from realistic case
studies
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| FREE
RETIREMENT PLAN DISTRIBUTION WORKBOOK |
| You will receive a FREE
20-page workbook packed with information, exercises and
questions that will help you make sound decisions about your
retirement. Prepared especially for our Critical
Decisions at Retirement workshop, it contains all the
important information you'll want to remember from the
presentation. |
| Critical
Decisions at Retirement, an educational workshop |
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HELD AT VARIOUS LOCATIONS IN YORK,
PA |
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FOR MORE DETAILS AND TO RESERVE
YOUR
SEAT, CALL OR EMAIL
TODAY! |
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