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How a Charitable Remainder Trust Avoids Capital Gains Do you own a highly appreciated asset that produces little or no income? Are you selling your business? Are you highly compensated and looking to shelter more of your income? Put the charitable remainder trust in your list of options. New Kid on the Block: Indexed Universal Life Do you think whole life insurance is a poor investment? Are you skittish about variable universal life due to fluctuations in the stock market? What if there was an insurance policy with cash values linked to the equity market but that could only go up and never go down? Nirvana? Here it is... Hot New Product: Long Term Care Annuities Have you made the decision not to buy long term care insurance because you feel you will never need it? Do you think it is too expensive? Do you have health problems preventing you from qualifying? Would you like long term care without a policy or premiums? Sound too good to be true? Read on… A Fund Raising Idea That Instantly Funds Any Special Project Are you a member of a church that is looking for a unique fund raising idea to complete a current project? Would you like to be that "knight on a white horse" that brings the idea to the table that sends nonprofit fund raising results soaring? Read on… Why an Individual Disability Insurance Policy Is Better Than Group LTD Are you covered by a group long term disability insurance plan at work? How likely is the policy to pay? Learn where the holes are in your coverage and why an individual disability insurance policy is better. Ten Things the Average Person Does Not Know About Annuities Many people buy annuities blind. Others avoid them due to a misunderstanding. Here is a simple primer on deferred annuities which will make you a smarter consumer. ILIT - The Irrevocable Life Insurance Trust If you are contemplating buying life insurance to pay estimated future estate taxes, you will probably want to use an Irrevocable Life Insurance Trust. Here’s why… Five Uses For Survivorship Life Insurance Survivorship life insurance can pay estate taxes, offset income taxes on inherited qualified plans, and replace assets. When putting your estate plan together, do not overlook this valuable planning tool. SEP IRAs: A Path to More Retirement Income? Do you have your own business? Do you have a 401(k) at work and have self-employment income on the side? If so, the SEP IRA may be one alternative to building a bigger retirement nest egg. Opportunity Cost and Your Long Term Care Decision Are you considering long term care insurance but are balking because you don't think you will ever need it? Here is an approach that does not require annual premiums and provides a tax-free benefit to your heirs if long term care is never needed. How to Make a Sizable Charitable Donation From Your IRA - Tax Free If you are over 70 1/2, have an IRA and are charitably inclined, a new law allows you to make a substantial gift from your IRA — tax-free. However, there is a narrow window of opportunity. Home Sales: Do You Really Know the Tax Exclusion Rules? Will you be selling your home soon? How much of the gain can you exclude from tax? Do you know the current rules? Do you know the exceptions? Did your spouse die, are you divorced, remarried or in the Armed Forces? All these circumstances require special planning. Simplifying a Difficult Senior Planning Decision: The Family Home Whether or not to sell their home is one of the biggest sources of consternation to seniors. Here are reasons to stay put and ways to remain in the home and get the equity out. IRAs and Early Retirement If you retire early and roll your 401(k) into an IRA, what is the best way to take out income to live on? What are the rules? What are the penalties for taking money out before the magic age of 59 1/2? What are the exceptions? What are the work-arounds? Who Should Be the Beneficiary of Your IRA? Why is making the proper beneficiary election for your IRA important? Does your election follow the rules? Is it the best one for your family circumstances? Is there a better one? Find out by taking a look a few common beneficiary elections and their results. IRA Distribution Rules at Death: Critical Knowledge for Good Decisions Your IRA could be one of your biggest assets. Do you know the IRA distribution rules at death? Do you have your IRA set up so your desires match the rules? Here’s a quick primer that could help you avert costly mistakes. Roth IRA Distributions at Death: Pitfalls to Avoid Your IRA may represent the bulk of your estate. Care must be taken to assure that your wishes for the distribution at your death follow the rules. Here are the rules and several common mistakes to avoid. Roth IRAs: Test Your Knowledge Roth IRAs are popular, but the rules are complicated. Take this quick 5 question quiz and see if you are up to speed on the Roth IRA. Looking For Another Income Tax Deduction? You Might Qualify For an IRA and Not Know It Are you searching for another income tax deduction and wonder whether you qualify for an IRA? If so, here are the new contribution rules--some brand new as the result of the Pension Protection Act of 2006. How to Supplement an Existing Long Term Care Policy Without Paying Premiums Many seniors have long term care policies that pay only for a couple of years. Here is how to extend the coverage for life without premiums coming out of pocket. How to Increase Your Spendable Income if You Own a CD If you own a CD and want to increase the income it produces, here is an approach that may provide the solution… How to Increase Your Income, Lower Your Taxes and Help Your Favorite Charity Are you a senior with an under-performing asset and a desire to benefit your favorite cause? Take a look at a simple planning option that could significantly boost your income and give you a warm feeling in your heart.

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