Securities Comp. $50,000 in production…. District- $875 Regional- $1,050 plus $190/ qtr residual RVP-$1,550 plus $285/ qtr residual If you had 100 clients like this… Regional $19,000/ qtr RVP $28,500/ qtr $50,000 in production…. District- $875 Regional- $1,050 plus $190/ qtr residual RVP-$1,550 plus $285/ qtr residual If you had 100 clients like this… Regional $19,000/ qtr RVP $28,500/ qtr

401k’s Usually done by bigger companies Typically match up to 3%, but only if the employee puts at least that much in. Recommendation… –Put in up to the match, and any other monies open up a Roth IRA for both husband and wife. If you max those out, then go back to the 401k. Usually done by bigger companies Typically match up to 3%, but only if the employee puts at least that much in. Recommendation… –Put in up to the match, and any other monies open up a Roth IRA for both husband and wife. If you max those out, then go back to the 401k.

Simple IRA Usually done by smaller companies Match up to 3%, but only if the employee puts at least that much in. Recommendation… –Put in up to the match, and any other monies open up a Roth IRA for both husband and wife. If you max those out, then go back to the Simple IRA. Usually done by smaller companies Match up to 3%, but only if the employee puts at least that much in. Recommendation… –Put in up to the match, and any other monies open up a Roth IRA for both husband and wife. If you max those out, then go back to the Simple IRA.

SEP IRA For the self employed Can put up to $40,000+ or 15% of annual comp whichever is less. Recommendation… –Max out SEP for tax purposed then Roth IRA’s. If both get maxed out, and tax deferred growth is still desired, open a Variable Annuity. For the self employed Can put up to $40,000+ or 15% of annual comp whichever is less. Recommendation… –Max out SEP for tax purposed then Roth IRA’s. If both get maxed out, and tax deferred growth is still desired, open a Variable Annuity.

Traditional IRA For any individual that has an earned income. Can put up to $5,000/yr per person Pre-Tax. Money grows tax deferred but everything gets taxed at withdrawal after age 59 ½. Recommendation… –Traditional IRA’s can be great for someone with no other employer sponsored plans that would like to lower their income taxes at the end of the yr. For any individual that has an earned income. Can put up to $5,000/yr per person Pre-Tax. Money grows tax deferred but everything gets taxed at withdrawal after age 59 ½. Recommendation… –Traditional IRA’s can be great for someone with no other employer sponsored plans that would like to lower their income taxes at the end of the yr.

Roth IRA For any individual that has an earned income. Can put up to $5,000/yr per person After-Tax. Money grows tax deferred and at withdrawal everything is tax free. Recommendation… –Roth IRA’s can be great for someone with or without other pre-tax retirement accounts and that would like tax free withdrawals after 59 ½. For any individual that has an earned income. Can put up to $5,000/yr per person After-Tax. Money grows tax deferred and at withdrawal everything is tax free. Recommendation… –Roth IRA’s can be great for someone with or without other pre-tax retirement accounts and that would like tax free withdrawals after 59 ½.

Annuities 2 basic types- Fixed and Variable. Money grows tax deferred, at withdrawal at age 59 ½ the growth is taxed. No limit on how much you can contribute. Recommendation… –For those with large lump sums of money or those that have maxed out all other qualified plans and still have money they need to grow tax deferred. 2 basic types- Fixed and Variable. Money grows tax deferred, at withdrawal at age 59 ½ the growth is taxed. No limit on how much you can contribute. Recommendation… –For those with large lump sums of money or those that have maxed out all other qualified plans and still have money they need to grow tax deferred.

Mutual Funds A company that takes investors money and invests it into great American companies. Mutual Funds themselves don’t have any tax benefits. (That’s why there are qualified plans) Someone can open a mutual fund account… –Individually or Jointly –Fund their retirement accounts. (IRA’s, 401k’s etc.) –In an Annuity A company that takes investors money and invests it into great American companies. Mutual Funds themselves don’t have any tax benefits. (That’s why there are qualified plans) Someone can open a mutual fund account… –Individually or Jointly –Fund their retirement accounts. (IRA’s, 401k’s etc.) –In an Annuity