Roll Overs

Are you looking to Roll Over (Convert) your funds / an account to an annuity?

Do you have an existing Annuity, CD, 401-K, IRA, mutual Fund or any other account that may loose value or is not producing either a return or tax benefits for you or your heirs.

Annuity (whether an Adjustable or a fixed or an equity-indexed annuity).

Many individuals have annuities today.  Many of the existing annuities that we put in place years ago are generating returns that are much less than what the products being offered today have.

Current deferred products have much higher returns, with bonus funds for making a deposit (opening of a new annuity).

Zero management fee's, the client does not pay commissions to the agent.

If your current Annuity is underperforming or is a product that is not where it should be, let us help you by evaluating your current annuity product(s) and come back to you with a new proposal to roll it over into another annuity product.

401-K

Many people have a 401-K from their employer.

Problem: Many 401-K funds are in products that put their funds at risk of loosing their original balance when they don't know if they were to roll over their 401-K to an annuity product, they have have a guaranteed no loss of principle.

IRA / Roth-IRA / Roth IRA Conversion

In 1997, the Roth IRA was introduced. This new IRA allowed for contributions to be made on an after tax basis and all gains (or growth) to be distributed completely tax-free. Since then, people with incomes under $100,000 have had the option to convert all or a portion of their existing Traditional IRAs to Roth IRAs. Beginning in 2008, participants with funds in eligible employer sponsored plans could also roll those funds directly over to a Roth IRA in a qualified rollover if their income did not exceed the $100,000 threshold. Starting in 2010, all IRA owners and participants in eligible employer sponsored plans, regardless of income level, will be eligible to convert their Traditional IRA and pre-tax funds in an employer-sponsored plan (401(a)/(k), 403(b) and governmental 457(b)) to a Roth IRA. Is this a good option for you? A conversion has both advantages and disadvantages that should be carefully considered before you make a decision.

Mutual Fund

Many baby boomers and those that are soon to be entering retirement have lost a vast amount of their retirement portfolio from their mutual funds, 401-K or Stock portfolio.

Many mutual funds have higher than they should management fees, they are in products that put their funds at risk of loosing their principle balance of funds

Solution:

  • GUARANTEE NO LOSS OF PRINCIPLE! (No risk to principal funds)
  • Have a Guaranteed Minimum Return that beats CD rates!
  • Licensed & Insured products, backed by each states department of insurance that guarantees principle no matter what
  • Issued by a Legal Reserve Life Insurance Company with an A.M. Best rating of “A” or greater.
  • Allows you to take guaranteed income that you can't outlive. "Income Benefit Rider" you are guaranteed to receive income for as long as you live, even if your account balance goes to zero.
  • Provides peace of mind that you cannot get by any other investments.
  • No Upfront Fee's!
  • No Management Fee's,
  • Bonus Money (Funds) added to your account on some products on day 1 (one) when you roll-over funds.
  • Some of our carriers with certain products have a Bonus up to 10% of the amount of money that is rolled over.
  • Tax–deferred earnings accumulation - You are NOT Taxed on the growth of your Earnings / the growth of the account!