IRA Timebomb

Annuities are one of the smartest investment vehicles around, but beware. They can be complicated and, as a result, can cost you and your beneficiaries THOUSANDS of dollars if not structured properly!

Do You Know

• What type of annuity is best for your situation?

• There are MANY different types of annuities and choices available to you?

• You may be able to receive a HIGHER rate of return?

• You can lock your rate of return so the interest doesn't continue to decline after the first year?

• You can receive a bonus of up to 10% on premiums deposited in the first 5-7 years of your contract in exchange for a longer investment period?

• What an Equity Indexed Annuity is? You are able to participate in stock market like gains with a guarantee of NEVER losing your principle!!! You are investing in the financial strength of the insurance company. This is why we only use financially sound companies.

• Estate Planning Professionals will provide a complimentary consultation with "No Cost or Obligation!"

There are Fixed, Variable, and Equity Indexed Annuities. Whichever you choose, an annuity contract can be an attractive addition to your investment and savings portfolio.

Withdrawals of earnings from an annuity are taxed as ordinary income and, if taken prior to age 59 1/2, may be subject to a 10% penalty. Surrender charges may apply to excess withdrawals in the early years of the contract. An annuity's guarantees are contingent upon the financial strength or claims paying ability of the insurance company.

Variable annuities are sold by prospectus only. Generally, they contain mortality and expense charges. Please consider the investment objectives, risks, charges and expenses carefully before deciding to invest.