Contact YOUR Protection Team At: Western Gold Insurance Agency, Inc. 28818 Agoura Rd. Agoura Hills, CA 91301

–Phone (877) 388-0025 –Fax (877) 716-0423 WesternGoldInsurance.com

Quick Summary A 401k IRA Rollover is when you move money you saved in a 401k at work to an IRA of your choosing. We can

assist you with great companies and choices.

Most people do a 401k rollover to a Traditional IRA when they change jobs or retire.

There are rules about how to do rollovers. If you break the rules, you might have to pay more in taxes or face

penalties.

When you leave your employer, either because you get a new job or retire, you might wonder what to do with the money you saved for retirement in your 401k. We have all the information and assistance here at Western Gold, call us.

Rollover Options You have two main options with your 401(k) when you leave an employer for a new job: 1. Cash it out. Cashing it out is usually a mistake. On a traditional 401k plan, you’ll have to pay taxes on all of your contributions plus tax penalties for early withdrawals. This means you’ll lose all the benefits you worked so hard to accrue. 2. Roll it over into an IRA. With your own IRA, you have the most control. You can pick what company you want to work with and where you want to invest your money. For most investors, doing a rollover into an IRA they control makes sense. For help deciding whether to do a rollover, call us at (800) 803-2324.

Continued on Page 2...

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VISIT OUR WEBSITE

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TESTIMONIALS

MEET OUR STAFF

REFER A FRIEND

RECIPE OF THE MONTH: No-Crust Spinach Quiche

IRA/401K Rollovers

INGREDIENTS:

-5 large eggs, beaten

-1 white onion, chopped

-3 cups shredded Muenster

Cheese

-10 oz. frozen package of chopped

spinach. Thaw and drain.

-1 tbsp. vegetable oil

-1/4 tsp. salt

-1/8 tsp black pepper, ground

DIRECTIONS:

Preheat oven to 350 degrees. Lightly

grease a pie pan (9 inches).

Heat the oil in a large skillet over

BEST CARRIERS. BEST COVERAGE. BEST PRICE. Western Gold’s Mission Statement is...

medium heat. Add onions, and stir

occasionally until soft. Mix in spinach

and cook until there is no more ex-

cess moisture.

Take a large bowl and combine the

eggs, cheese, salt, and pepper. Add

the spinach mix and stir in. Mix well.

Scoop this into the pie pan.

Bake until the eggs have set, approxi-

mately 30 minutes.

BEST CARRIERS. BEST COVERAGE. BEST PRICE. Page 2

IRA//401K Rollovers continued...

Rules On Kinds Of Rollovers Most rollovers are of traditional, tax-deferred 401ks or other employer plans like a 403(b) to Traditional IRAs. You don’t owe taxes on money saved in 401ks or Traditional IRAs until you retire and start withdrawing the money.

How To Do A Rollover A rollover from your 401k plan is easy. Call us, we have our Western Gold Financial Advisor Guy Richardson in who will assist you. Then, you can do a direct rollover, which means that your plan administrator sends the money directly to the IRA you opened at a bank or brokerage. He or she may also cut you a check made out to your account, which you deposit. You can do a rollover from a distribution, also called an indirect rollover. Your employer may give you a check made out to you. Taxes will be withheld, and you will have to report the distribution as income on your income tax return. But you can still avoid taxes, if you do a rollover of the money into another retirement account within 60 days and make up the money withheld from another source. Some people do an indirect rollover if they want to take a 60-day loan from their retirement account.

Contribution Limits Once you have established a rollover IRA, you can make contributions to it up to the annual limit. For 2016-17, the contribution limit is $5,500, or $6,500 if you are over 50.

WESTERN GOLD NEW FLOOD PROGRAM Western Gold has just researched and found a terrific A+ 15 rated flood carrier for California. If your home is in a designated flood area there's a good chance we can save you a lot of money. Previously the only carrier available was the National Flood Insurance Program (NFIP). This pro-gram charges rates sometimes unbelievably high. With no competition and no choice our home-owners were forced to pay exorbitant rates for flood insurance, required by the mortgage compa-ny as a condition of their loan.

If you're currently insured by National Flood Program and are in a designated flood area, call my office now for your new flood rate. If you know anyone forced to purchase flood insurance tell them Western Gold has a new flood policy at 30-50% lower cost. We will gladly send you a $25 gift card if they buy a policy from us!

Western Gold has a proprietary advantage being one of only a few independent insurance agents in the state of California to have this program available.

ANNOUNCEMENT

Western Gold is now a licensed and approved agent in Texas and Col-orado. If you own properties in these two states be sure and call our agents for a quote on your home, rentals, or businesses. We have seven outstanding Texas carriers that have predominately lower rates than many other carriers in these two states, especially State Farm, Farmers and Allstate. As usual our expert agents are standing by- live, ready to answer your

call.

BEST CARRIERS. BEST COVERAGE. BEST PRICE. Page 3

SAVE UP TO

17% OR MORE

By combining all

your insurance

with us!

Western Gold Insurance Provides Auto/Car Insurance, Homeowners Insurance,

Business/Commercial Insurance, Life/Health Insurance, and Employee Benefits

EARN A $25 GIFT CARD FOR YOUR REFERRAL! HERE’S HOW YOU DO IT, VISIT

OUR WEBSITE, WWW.WESTERNGOLDINSURANCE.COM AND CLICK, “WIN WITH

REFERRAL REWARDS”. IF THE REFERRAL ENDS IN A SALE WE WILL SEND YOU

A $25 CARD:

ANNUITY & LIFE INSURANCE

Our Western Gold experts have now

combined the powerful financial re-

wards of annuities with life insurance.

So yes, you can now have your cake

and eat it too! Ask your Western Gold

agent for more details!

Call (800) 803-2324

By packaging your policies, our agents can

extend maximum credits from the carrier and

our agency to drastically reduce your premi-

um. Be sure to always ask for the Western

Gold package discount!

MULTI-POLICY PACKAGE DISCOUNTS

DATES TO REMEMBER THIS MONTH

Contact YOUR Protection Team At: Western Gold Insurance Agency, Inc. 28818 Agoura Rd. Agoura Hills, CA 91301

–Phone (877) 388-0025 –Fax (877) 716-0423 WesternGoldInsurance.com

CSE AGENCY

OF THE YEAR

2012, 2013,

2014, 2015

FOR EVERY REFERRAL GIFT CARD

WE SEND OUT WE DONATE TO

ONE OF OUR CHARITIES !

DONATION METER:

$3,772!!

- 4/1 April Fool’s Day

- 4/11 Passover

Begins

- 4/16 Easter

- 4/18 Tax Day/

Passover Ends

- 4/22 Earth Day

OUR GOAL FOR

2017 IS $15,000!

Contact YOUR Protection Team At: Western Gold Insurance Agency, Inc. 28818 Agoura Rd. Agoura Hills, CA 91301

–Phone (877) 388-0025 –Fax (877) 716-0423 WesternGoldInsurance.com

OVER 409 REFERRAL

GIFTCARDS SENT OUT

THIS MONTH!!

THIS MARCH WE ARE CELEBRATING

2,988 CLIENTS BIRTHDAYS