Legacy IRA

Tax Trapped + Bad Advisors = Big Money Loss!

Owners of large IRA's, (and their advisors) all over America are looking for a way out of the combined 70%+ asset loss due to income tax and the federal estate "death" tax (until it is repealed in 2010) levied upon large estates after death.

There are hundreds of thousands of advisors in the U.S. who will tell you how to invest your IRA money while you are alive. But sadly, most are just salesmen and will be more interested in the "commission" they get paid after the sale, than what actually happens to your money!

Many may actually be pretty good general advisors such as the brokerage person at the bank, the local big broker (registered representative), the independent securities brokers, the annuity salesman, etc. But few of these advisors have a proper understanding of what you really need to do with your IRA!

Though they all have good intentions, if not for you - at least for their commission accounts - few will be able to study, comprehend, explain, educate and draft proper legal documents for you to utilize the NEW IRS rules applying to your IRA account.

Most likely, you are going to need to seek out a professional IRA specialist or qualified plans advisor to apply these complicated rules to your own accounts so that you can gain the BEST advantage. This can benefit not only you, but your spouse (if you are married), your kids, or any other designated beneficiaries you may have named on your IRA accounts.

We can say for a fact that almost everyone asking their current money advisors for advice on implementing the most modern, up-to-date options for setting up their beneficiary forms for maximum income to their heirs, even this very day - will become victims of "malpractice" in most cases! This is because these advisors are usually general practitioners and they and their firms do not specialize in this area of practice and they do not understand the proper legal beneficiary forms necessary to create and later administer what is now commonly known as a "STRETCH IRA" or a "Stretch-out" IRA. (We are the Creator of the "Legacy IRA" Advisory and Document System)

So, that leaves you with an estimated few hundred advisory firms in America that can tell you how to properly "stretch" your IRA money to future generations when you die. Your "Inherited IRA" you leave may be the BEST inheritance gift of all if you just take a little time now and set it up properly.

Our Company Is NOT just another IRA/401-k Advisory Firms!

Points To Ponder In Providing a Legacy IRA To Your Heirs:

As a mostly "Fee based" firm, we charge an hourly rate for our time and provide professional beneficiary forms ready for signing and submission to your current IRA custodian or trustee.

We are not driven by commissions as your current investment advisors may still be. Though we do offer commission based fixed annuity products for those best suited in this type of product, our main service is to provide professional advisory services regardless of where your qualified plan or IRA money may reside.

We can do what the other advisors can not or will not do for you in setting up customized beneficiary forms and helping you make the proper retirement elections as well. We also offer our Legacy IRA Trust (currently available to Arizona residents),to guarantee some of the best distribution options for your heirs. (Larger IRA's Only)

There are specific rules that apply to your situation depending on your current age. Two distinct sets of rules apply depending on if you are under 70 1/2 or over 70 1/2. Sweeping IRS rule changes were made known as of January 11th, 2001 and all advisory firms, including ours, have studied them in great detail. Many updates have followed since then. Basically, everything we thought we knew in the 90's was thrown out and many new, and much more liberal rules now apply. A few areas are still gray and will need clarification.

REGARDLESS IF YOU HAVE A SMALL 401-K PLAN AT WORK OR ARE RETIRED WITH A LARGE $800,000 OR MORE IRA ACCOUNT, YOU NEED PROFESSIONAL ADVISORY! What you don't know WILL hurt not only you, but your heirs as well.

WHY? One answer is you may not currently be allowing them any more than 5 years to pay the taxes on your IRA account. (And don't forget the entire amount has to be taxed some day!) Why not give them 20-60 years?

After you consult with us, those same heirs will get income and pay taxes on it for their entire lifetime and very possibly, the entire lifetime of their designated beneficiary as well! Net difference? They will get thousands of more dollars on small IRS's and possibly hundreds of thousands (even millions in generation skipping cases) more dollars on large IRA's!

And if we can also convince you it is a smart move to convert all or some of your IRA money into a "Roth" IRA, you will get tax-free income after 5 years and/or when you reach age 59 1/2 - and your heirs will too for the rest of their lives!.

Bottom Line: On large IRA's, the difference may be millions of dollars of additional cash flow income that a bad advisor would take away from you and your heirs - all for YOU taking his or her bad advise!!!!!!

Since many may already have great mismanagement and malpractice in the area of "beneficiary statements" with YOUR current IRA administration company (that is the folks who have physical possession of your IRA money), we would ask you to request and obtain a "physical" copy of it from each IRA custodian you may have and contact us for a free review of what it says.

You can just fax it to us at: 480-786-4045. We know what to do with when it comes in. Just don't forget to write your contact phone number on it for a free, short consultation.

Or, you can take the Qualified Plan Beneficiary Form Test by clicking here and find out if your current IRA's beneficiary elections will stand up to the "heat" of challenge...or buckle completely as a dangerous hindrance to otherwise perfectly good retirement income for both you and your survivors!

A BIG Hint: If your current form names your estate or minor child or children as primary beneficiary or beneficiaries, or former spouse, you should take the test! Or, better yet, just contact us right away since you and/or your broker/banker or insurance agent may have ALREADY caused a potential future malpractice claim!!!*

Interested?

Be sure to look for the "on-line" discount for service orders that are prepared while in our site!

Click here to order now!

Or, please call, write or e-mail us with any questions you may have in this area.

We would be happy to inform you of the rules that apply to your situation. This initial information is free! Tell us the specifics about your situation and ask any questions you may have. We promise we will respond back with a recommended game plan and all the answers you request of us!

* This is not intended as nor should be interrupted as legal advice.