By Ermer & Michelle Twano

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Presentation transcript:

By Ermer & Michelle Twano Let it ROLL! By Ermer & Michelle Twano

Are you thinking of rolling over your retirement plan? First, how much are you considering to rollover? Secondly, what is your objective for this account? Retirement, new home, college, etc. When do you plan on touching this money? Last but not least, what is most important to you? Growth or Safety? Safety is very important, no one wants to lose money. Growth is very important, you want your money to grow.

Let me tell you about 401k(s)/ IRAs

Let me tell you about 401k(s)/ IRAs FIXED (IRA, CD, Bonds, Money Markets) VARIABLE (Variable Annuities, Mutual funds, Stock Market)

Let me tell you about 401k(s)/ IRAs FIXED (IRA, CD, Bonds, Money Markets) + Principal + Safe - No Growth - Low ROR (rate of return) VARIABLE (Variable Annuities, Mutual funds, Stock Market)

Let me tell you about 401k(s)/ IRAs FIXED (IRA, CD, Bonds, Money Markets) + Principal + Safe - No Growth - Low ROR (rate of return) VARIABLE (Variable Annuities, Mutual funds, Stock Market) + Potential Growth - Potential Risk - Losing $4$ - Income Principal

Let me tell you about 401k(s)/ IRAs FIXED (IRA, CD, Bonds, Money Markets) + Principal + Safe - No Growth - Low ROR (rate of return) INDEX ANNUITY ( S&P 500) VARIABLE (Variable Annuities, Mutual funds, Stock Market) + Potential Growth - Potential Risk - Losing $4$ - Income Principal

(IRA, CD, Bonds, Money Markets) FIXED (IRA, CD, Bonds, Money Markets) + Principal + Safe - No Growth - Low ROR (rate of return) INDEX ANNUITY ( S&P 500) - Long Term Investment - Surrender Charge Period +Principal Guarantee + Safe +Growth Potential VARIABLE (Variable Annuities, Mutual funds, Stock Market) + Potential Growth - Potential Risk - Losing $4$ - Income Principal

(IRA, CD, Bonds, Money Markets) FIXED (IRA, CD, Bonds, Money Markets) + Principal + Safe - No Growth - Low ROR (rate of return) INDEX ANNUITY ( S&P 500) - Long Term Investment - Surrender Charge Period +Principal Guarantee + Safe +Growth Potential A. Conservative = Fixed Rate B. Moderate = Annual PT to PT Cap C. Aggressive = C1) Month Average – Spread C2) Month PT to PT - Cap VARIABLE (Variable Annuities, Mutual funds, Stock Market) + Potential Growth - Potential Risk - Losing $4$ - Income Principal

(IRA, CD, Bonds, Money Markets) FIXED (IRA, CD, Bonds, Money Markets) + Principal + Safe - No Growth - Low ROR (rate of return) INDEX ANNUITY ( S&P 500) - Long Term Investment - Surrender Charge Period +Principal Guarantee + Safe +Growth Potential A. Conservative = Fixed Rate B. Moderate = Annual PT to PT Cap C. Aggressive = C1) Month Average – Spread C2) Month PT to PT - Cap VARIABLE (Variable Annuities, Mutual funds, Stock Market) + Potential Growth - Potential Risk - Losing $4$ - Income Principal +10% Penalty Withdrawal – 10% Surcharge FREE = IRS Rules still applies + Terminal Illness/ Nursing Waiver = FREE Surcharge = IRS Rules still applies 0 ZERO Fees, 5% Bonus (recaptured) Option: 0.85% (annually) – Guaranteed Income Rider = Gives 6% minimum guarantee for 10 years = 2x more