Senior Retirement Services Presenting Retirement Investment Options For your Future Presented By Senior Advisor A. Cherie Kolinski

ANNUITIES AND BANK CERTIFICATES ANNUITIES VS BANK CD’S ANNUITIES AND BANK CERTIFICATES WHAT ARE YOU GETTING AND WHAT ARE YOU NOT !

QUESTION: How Fast Will My Money Grow QUESTION: How Fast Will My Money Grow ? ANSWER: Slower In A BANK CERTIFICARE Faster In An ANNUITY CERTIFICATE. With an Annuity Certificate Your Interest is Tax Deferred This means you get to keep the money you would pay Uncle Sam . You earn interest on that money until you choose to pay taxes on the Interest ! This gives you triple compounding on your money, something Banks can’t do !

WHEN COMPARING A BANK CERTIFICATE WITH AN ANNUITY CERTIFICATE…….. YOU WILL WANT ANSWERS TO A FEW IMPORTANT QUESTIONS

WHAT IS A BANK CERTIFICATE ? IT IS A LUMP SUM OF MONEY WITH A BANK. WHAT IS AN ANNUITY CERTIFICATE ? IT IS A LUMP SUM OF MONEY WITH AN INSURANCE COMPNY.

EXAMPLE BANK CERTIFICATE ANNUITY CERTIFICATE $100,000 at 6% 35% tax Bracket In ten years grows to $146,607 In 20 years $214,937 ANNUITY CERTIFICATE $100,000 at 6% Tax Deferred In ten years grows to $179,085 In 20 years $320,714

QUESTION: WHAT IF INTEREST RATES CHANGE ANSWER: IT DOES NOT MATTER IF RATES GO UP, DOWN OR JUST STAY THE SAME

EXAMPLE BANK CERTIFICATE: $100,000 at 6% $35,000 % Tax Bracket $6,000 Interest/ year Tax Collector gets $2,100 Investor left with $3,900 Actual Interest return is 3.9 % ANNUITY CERTIFICATE: $100,000 at 6 % Tax-deferred $6,000 interest/year Tax Collector gets 0 Investor left with $6,000 Actual interest return is 6 %

Take control of your Finances THERE IS NO COMPARISON ! ANNUITY CERTIFICATES CLEARLY OUT PERFORM BANK CERTIFICATES IN EVERY CATEGORY ! READ THE FACTS FOR YOURSELF ! Take control of your Finances

FACTS BANK CERTIFICATES CANNOT GIVE YOU TRIPPLE COMPOUNDING Interest on Principle Interest on Interest Interest on Savings BANK CERTIFICATES INTEREST CAN EFFECT OR REDUCE YOUR SOCIAL SECURITY

ANNUITY CERTIFICATES PROVIDE INCONTESTABILTY AT DEATH ! FACTS ANNUITY CERTIFICARES PASS ON TO YOU HEIRS PROBATE FREE ! DON’T LET LAWYERS AND THE TAX MAN GET MORE OF YOUR ESTATE THAN YOUR LOVED ONES ! ANNUITY CERTIFICATES PROVIDE INCONTESTABILTY AT DEATH ! Unlike a will, no one can contest your decision as to who will receive your money at the time of your death.

THE COST OF FDIC INSURANCE FOR BANK CERTIFICATES: People put their savings in BANK CERTIFICATES because they are ‘ F.D.I.C.” insured. Little do they realize the cost they are paying for this coverage. One out of every three years interest goes for taxes, plus all the other “catches “ the bank attaches to your BANK CERTIFICATE. FACTS

SAFTEY INSURANCE COMPANIES VS THE BANK INSURANCE COMPANIES ARE SAFE AND GUARANTEED REGULATED BY STATE INSURANCE DEPARTMENTS. MINIMUM CAPITOL AND SURPLUS CAPITOLREQUIREMENTS. 100 % MINIMUM RESERVE REQUIRED BY LAW. FILING OF ANNUAL STATEMENT.. STATUTORY ACCOUNTING. INVESTMENT RESTRICTIONS GUAARANTY FUNDS. ALL 50 STATES HAVE SOMETHING SIMIULAR TO F.D.I.C. FOR ANNUITY CERTIFICATES, THEY ARE CALLED “STATE GUARANTY FUNDS”

EXAMPLE IS F.D.I.C. FOR YOU ? CAN YOU AFFORD IT ? . $100,000 Premium $8,000 Interest 28 % income Tax Bracket $2,240 Tax paid to the government $22,400 Tax paid to government over 10 years IS F.D.I.C. FOR YOU ? CAN YOU AFFORD IT ?

ANNUITY CERTIFICATES Are safe and guaranteed by their reserves, with “ billions of assets by the worlds largest life insurance companies”

OTHER ADVANAGES Non-qualified funds get tax deferral and can earn much more. There are no “renewable” surrender charges. With a named beneficiary you avoid probate tax. Free annual withdrawal provisions. Life income guarantees Annuity interest rates are usually higher then bank rates. As you can see, when you become familiar with the facts, it make a lot of sense to trust an insurance company.

BEFORE YOU SAY YES TO ANNUITY CERTIFICATES

WE CAN GIVE YOU A WHOLE LOT OF no’s NO LOADS NO FEES NO SALES CHARGES NO MARKET RISK NO TAX DURING ACCUMULATON NO CHARGE AGAINST SOCIAL SECURITY NO LACK OF SAFETY NO LACK OF LIQUIDITY NO EXCUSES

WHICH LOCATION DO YOU WANT YOUR MONEY IN ? LOCATION ONE TAXABLE BANK CERTIFICATES LOSE ONE OUT OF EACH THREE YEAR’S INTEREST TO TAXES LOCATION TWO TAX DEFERRED ANNUITY CERTIFICATES YOU DECIDE WHEN YOU PAY TAXES

j THANK YOU FOR ATTENDING Cherie Kolinski SENIOR RETIREMENT SERVICES 1-800-588-1798