Many people believe an IRA is the best way to pass on money to their loved ones, but it is the   ill-advised method of doing so.  At death, IRA’s get taxed as income at the appropriate tax bracket before it gets passed on to the heirs.  Is this the way you want your hard earned sacrificial savings to be disbursed, after you saved for the rainy day that never came?

There is a better way that can leave your heirs in control of most of what you intended. You can request additional information by completing the request form with your information and we will be glad to help. We will show you how to cut your taxes to zero.

 If you have an IRA, here is the reason why you need to rescue your investment.

Annuities are insurance contracts that provide a fixed income stream for a person's lifetime or a specified period of time. An annuity can be purchased with a lump sum or a series of payments and begin paying out almost immediately or at some point in the future. 

An annuity allows a customer to deposit money (premiums) with an insurance company that can earn interest and grow on a tax-deferred basis with the agreement that the insurance company will then provide a series of payments back to the customer at regular intervals.

People typically purchase annuities to provide or supplement retirement income they will receive from Social Security, pension benefits, investments and other sources. You can convert your annuity into a stream of income that can then be paid over a fixed period or for your lifetime. You can take withdrawals of varying amounts when you need the income.

There are many who save in various investments and say it for a rainy day.  This rainy day may never come for many of you who would never touch that money during your lifetime. They would rather keep it sitting there and call it their emergency account.  They would rather die and not touch it.  But there is one problem, Uncle Sam would never allow that money to sit there and not be touched. On April 1st the year after you become 70 ½ the IRS would force you to begin to make systematic withdrawals from your account each year.  Uncle Sam would not wait any longer to get his cut of the pie.


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