Retirement & Annuities

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Retirement & Annuities

What is Tax-Free Retirement?

First question is do you think taxes will go up in the future or down in the future? The reality is, they are likely to go up, not down as history has shown². One way to hedge against future tax increase is to have a supplemental Tax-Free Retirement Plan in place. Look at it this way, Uncle Sam (USA) wants to get their taxes from you and they have two ways they offer you to pay:

“On the Seed”

Meaning you pay income taxes on your income today to potentially avoid paying higher taxes in the future. By paying taxes on your income today, instead of deferring and hoping for a lower tax rate in the future you could potentially be paying less in taxes over your lifetime. Using strategies we offer here at JAG can help you avoid high taxes in the future and even give you the potential of having a Guaranteed Lifetime Income stream that is potentially Tax-Free.

“On the Harvest”

Meaning you pay income taxes on your income when you start receiving it in the future. That is referred to as a “Tax Deferred” strategy, like a 401k or IRA or similar retirement plan. Even though you are deferring potential tax risks today, you may be increasing your tax liability in the future even more. Using strategies JAG offers can help you avoid high taxes in the future and even give you the potential of having a Guaranteed Lifetime Income stream that is potentially Tax-Free.

²Per taxpolicycenter.orp

What is Tax-Deferred Retirement?

Most retirement plans today are Tax-Deferred, many only require you to pay taxes when you start taking out the money. This could include 401ks, 403bs, IRAs and others, where most people today actually invest for their retirement. Also, there is still the possibility of losing some of your retirement funds you saved for years due to the downturn in the economy and/or stock market which could have a negative impact on your long term retirement plans.

What if there was a way to protect you from losing due to a stock market or economic downturn, which everyone agrees will happen again. Could you afford to lose 20%, 25%, 30% or more if and when it will happen again? JAG’s Retirement Strategies are to protect what you have built up from the potential downturns in the market, while still giving you growth potential and even the possibility of Guaranteed Lifetime Income! The number one fear of retirees is running out of money in retirement, we can help you design a plan to ensure you have a steady flow of income for the rest of your life. Utilizing Advanced Annuity Strategies, we may be able to help protect what you have built up and give you the peace of mind you deserve in retirement.

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Annuities – Fixed Index

The two main reasons to purchase a Fixed Index Annuity is to protect what you have built up for retirement and stay free of the major downturns in the stock market or economy, or to provide Guaranteed Lifetime Income, or both!

There are basically two types of Fixed Index Annuities, Lifetime Guaranteed Income Annuities or Cash Accumulation Annuities. Depending on your objectives will determine which one works best for you. In some cases, you may want both and those are Hybrid Plans that can potentially give you both upside growth potential as well as guaranteed lifetime income.

Most of the Annuities today, and the only Annuities JAG promotes, ensure the protection of your principal, can provide a death benefit to ensure all unused monies go to your heirs and may offer Guaranteed Lifetime Income. Many Annuities are also flexible for withdrawals, you are in control and your retirement is protected. Fixed Index Annuities are not for everyone, however, they may be right for you as part of your investment and retirement strategy

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