1. Presented By Senior Advisor A. Cherie Kolinski

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

3.  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 !

4. W HEN COMPARING A BANK CERTIFICATE WITH AN ANNUITY CERTIFICATE……..  YOU WILL WANT ANSWERS TO A FEW IMPORTANT QUESTIONS

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

6. “ ” EXAMPLE B ANK C ERTIFICATE $100,000 at 6% 35% tax Bracket In ten years grows to $146,607 In 20 years $214,937 A NNUITY C ERTIFICATE $100,000 at 6% Tax Deferred In ten years grows to $179,085 In 20 years $320,714

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

9. Take control of your Finances

10. BANK CERTIFICATES INTEREST CAN EFFECT OR REDUCE YOUR SOCIAL SECURITY

11. 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.

12. FACTS

13. “ ” 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”

14. . EXAMPLE $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 ?

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

16. O THER A DVANAGES 1. Non-qualified funds get tax deferral and can earn much more. 2. There are no “renewable” surrender charges. 3. With a named beneficiary you avoid probate tax. 4. Free annual withdrawal provisions. 5. Life income guarantees 6. 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.

17. B EFORE YOU SAY Y ES TO A NNUITY C ERTIFICATES

18. N O EXCUSES

19. 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

21. SENIOR RETIREMENT SERVICES THE BOULAVARD PROFESSIONAL CENTER 1600 W. Eau Gallie Blvd #201-0 Melbourne FL 32935 772-228-8989