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The Anti-Annuity is one of the most effective tax saving strategies in the world. It provides your family with growth, liquidity and most importantly, helps you slay taxes. The Anti-Annuity works similar to an annuity however your money is liquid. The Anti-Annuity is simply a tax-free wealth transfer strategy that provides your family with additional benefits such as long term care, nursing care, critical illness and more. The purpose of this book is to help you understand how the Anti-Annuity works, so that you will be educated and make the right choice if you choose to use this powerful tax-saving tool.
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1-800-254-9567
Presents the Anti-Annuity™
Warning: Reading this may save you and your family a lot of taxes!
©American Tax & Annuity Advisors
WHO WE ARE
We are the top tax & annuity experts with over 100 years of combined experience and 400
representatives nationwide.
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Watch our partner, Alan Haft, on Fox News – He’s a regular commentator!
“You worked so hard for your money, learn these tax saving strategies.”
Alan Haft, RIABest Selling Author & Syndicated Columnist
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We are here to talk about deferred
taxes!
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TOPICS TO BE COVERED
We are here to educate you about saving taxes on deferred accounts such as:
ANNUITIESIRA’s
401K’s403B’s
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These accounts are Tax Monstersl
If you have created a Tax Monster
Hire us, We Will Slay It!
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IF YOU CHOOSE NOT TO HIRE US,YOUR IRS MAN THANKS YOU!
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OUR EXPERTS
• Recognized as one of the leading experts on annuities and tax-free wealth transfer strategies.
• Graduated with a B.A. degree in Economics from Kalamazoo College and a law degree from Stetson University College of Law.
• Phil has lectured and taught thousands of agents and brokers powerful strategies to help their clients.
• Founder of Snowflakes dog rescue.
Author of Outlasting The Storm, A Guide To Annuities and Safe
Retirement Strategies.
Phil Wasserman, JD
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WE WILL EMAIL YOU A FREE COPY OF PHIL’S BOOK
To receive this free book, please call us today!
1-800-254-95679
Kenneth Rossman CPA
• Graduated from Florida State University with degrees in accounting, finance, and political science.
• Became a Certified Public Accountant in 1983.
• Kenneth was the Senior Tax Specialist at Coopers and Lybrand CPA’s.
• Currently, Kenneth is the Tax and Income Manager at American Tax & Annuity Advisors.
• Kenneth has been successful in IRS litigation cases for various high profile clientele.
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KEN & PHIL KNOW THE TAX CODE
Knowing the tax code helps you save your money!
Is your existing advisor well versed in the tax code? Most aren’t!
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The best part of hiring us, you don’t have to pay us!
We are paid by the companies that are used to implement tax saving
strategies.
You get our knowledge and experience at no cost to you!
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A WISE SAYING
“Not taking action is often more costly than taking action.”
TAKE ACTION NOW!
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FACTSThere are three things that can happen to
your money:
1. You can spend it.
2. You can use the Tax-Free Wealth Transfer Strategy to get it to your spouse and/or heirs.
3. You can let the government take it and spend it.
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ANNUITY AND IRA TAX TRAP
Taxes to consider: • Federal Income Tax
• City Income Tax
• State Income Tax
• Federal Inheritance Tax
• As Of January 1st, 2013 – 40% Of Your Estate Over 5 Million Dollars Goes To Uncle Sam
• State Inheritance Tax
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ESTATES UNDER 5 MILLION DOLLARS
• Upon death can go to your spouse, there's no tax consequences for him/her to continue.
• After death, or death of spouse, the annuity must be cashed in.
• All profits are subject to federal, state & city income tax, at beneficiary rate.
Note: Trust beneficiary is the highest tax rate.
Annuities
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ESTATES OVER 5 MILLION DOLLARS
All monies over 5 million are subject to: – Federal Tax Of 40% Of Your Dollars.
– Federal Income Tax Profit.
– State Income Tax On Profit.
– City Income Tax On Profit.
Result:A $300,000 annuity can be worth $72,000 or less to
your heirs.
Annuities
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ESTATES UNDER 5 MILLION DOLLARS
• Upon death can go to spouse, there's no tax consequences for him/her to continue.
• IRA's can be stretched or inherited by children.
• Income taxes are due at time of distribution.
IRA’s, 401K’s, 403B’s, Etc.
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ESTATES OVER 5 MILLION DOLLARS
All monies over 5 million subject to: – Federal Tax Of 40% Of Your Dollars.
– Federal Income Tax Profit.
– State Income Tax On Profit.
– City Income Tax On Profit.
Result:Eventually 76% or more of all dollars go to the
government.
IRA’s, 401K’s, 403B’s, Etc.
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Annuities
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Do You Own An Annuity You Aren't Using?
MEET YOUR BENEFICIARY 22
80% OF ALL ANNUITIES ARE NEVER USED.
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All Profits & Death Benefit Of An Annuity Are Subject To Ordinary Income Tax.
(Unless In A Roth IRA)
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How Much Will Your Family Pay?
Internal Revenue Service
Your Family
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CASE STUDY ONE
Recently, John S. died with an annuity worth $417,000.
His initial investment was $305,000. The money went to his trust. The ordinary income taxes were over $64,000!
40% OF THE PROFIT!
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CASE STUDY TWO
Joyce had an annuity that she purchased for $250,000. Before Joyce passed, her annuity was worth over $375,000.
Her $125,000 gain made a $50,000 tax bill to her Heirs.
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DON’T DIE WITH AN ANNUITY!
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I WANT YOUR MONEY
MEET YOUR BENEFICIARY 29
DEFFERRED RETIREMENT ACCOUNTS
IRA’s
401K’s
403B’s
457’s31
At 70 ½ You Have To Take RMD – Required
Minimum Distribution.
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As You Get Older Your RMD Will Continue To
Go Up.
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Many People Don’t Want Or Need Their RMD, But You
Are Required To Take It Out And Pay Taxes On It.
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This Results In More Taxes And Less Money To Leave To Your Heirs.
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The Answer To This Problem Is
The Anti-Annuity™
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THE ANTI-ANNUITY IS MULTI-TALENTED
THREE USES:
1. TO CREATE DISCOUNTED TAX-FREE DOLLARS
2. TO SLAY TAXES IN ANNUITIES
3. TO PAY TAXES IN IRAs
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WHAT IS THE ANTI-ANNUITY?
It Works Like An Annuity
(think of it as a fraternal twin)
In A Tax-Free Life Insurance Wrapper.
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The ANTI-ANNUITY is an effective solution that can provide you these amazing features:
• Tax-free growth
• Provide protection against negative market returns
• Good for IRA money/ Qualified financial products
• Liquid money
• Policy proceeds are received income tax-free, estate tax-free and are paid immediately
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The ANTI-ANNUITY will also give you Benefits for:
• Death Benefit Protection
• Cash Value Accumulation
• Long Term Care
• Serious or Critical Illness
• Assisted Living
• Family Protection
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Think of it as Tax-Free Wealth Transfer
“Think of it as a tax-free piggy bank”
Have you ever heard the saying, “The Devil you know is better than the Devil you
don’t know?”
Tax-Free Wealth Transfer is the solution to the Devil you know.
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What Is Tax-Free Wealth Transfer?
Is it life Insurance?
–It isn't life insurance as you know it
–It is a type of life insurance
–Most people hate life insurance - but with Tax-Free Wealth Transfer, they can now love it!
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Tax-Free Wealth Transfer Is The Solution To:
• Giving a spouse more money when you pass– perhaps replacing a pension loss.
• Replacing highly taxable annuities and IRA’s with tax-free money.
• An alternative to low rate Certificates of Deposit.
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THE ANTI-ANNUITY™
THE MOST POWERFUL TAX FIGHTING VEHICLE SINCE THE BOSTON TEA PARTY!
Liquid - No Surrender Penalties
Growth - Tax-Free
Long Term Care &Home Health Care
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The Anti-Annuity™ vs. Traditional Life Insurance
The Anti-Annuity™
• 98% of people are Accepted
• No Physical
• No Medical Exams
• Quick, Easy, and Painless
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Creating
Discounted Dollars
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Creating Discounted Dollars
Jan is a 70 year old grandmother, she has $200,000 she wants to leave to her grandchildren.
By purchasing the Anti-Annuity she creates an immediate tax-free death benefit of $335,000.
When taking into account her life expectancy, she should leave
$708,000 Tax-Free!
Plus the money she put in is liquid and available to her at anytime.
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Creating Discounted Dollars
Mark is a 75 year old with $300,000 that he wanted to leave to his spouse.
Mark was concerned about his pension loss when he passes and wanted to make sure his wife is taken care of.
By purchasing the Anti-Annuity he was able to create an initial death benefit of $441,000.
If you take into account his life expectancy his initial death benefit will grow to
$693,000 Tax-Free!49
With the Wealth Transfer all you’re doing is simply creating discounted tax-free dollars for
your loved ones.
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Unused Annuities
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Unused Annuities
John S. is 75. He owns an annuity that he and his spouse are never going to use. John lives in a state with no income tax and he does not have an estate tax issue.
They put $150,000 into the annuity which is now grown to $300,000. Upon both their deaths, the heirs will owe about $52,500 in taxes, netting them $247,500.
Upon wealth transfer, the new net to the heirs is $370,201tax-free.
Current: $247,500 New: $370,201
A difference of $122,70152
Unused AnnuitiesMildred is a 78 year old widow. She owns an annuity
that she purchased for $300,000 now worth $500,000. She has an estate over 5 million dollars and lives in a high tax state.
Under the new laws of January 1, 2013 the net to heirs could be less than $155,000.
That’s right.
$500,000 could be less then $155,000 net after taxes.Yet using the Anti-Annuity Wealth Transfer plan the heirs net
$789,097!
A $634,097 Difference! 53
Questions You May Have?
What if my annuities have surrender penalties?
– The increased tax-free death benefit almost always covers any surrender penalties and more.
What if my advisor says my annuities are fine?
– Your annuities are fine, but if your not using them for income they are a huge tax trap. Your advisor probably doesn’t the tax implications.
Will my money grow?
– Many Tax-Free Wealth Transfer products are indexed to the S&P 500 for growth opportunities.
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Tax-Free IRA Wealth Transfer
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$500,000IRA
Rollover (No Tax Event)
SPIA
Single Premium
Immediate Annuity
$750,000 Life
Insurance in Effect
Immediately.
1099-$55,000a year for 10 years.
Cash Value of insurance
policy can be used to
help pay the taxes.
$55,000Counts as RMD
Distribution.
IRA Wealth Transfer Diagram
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Unused IRAs
Steve who is 75, has an IRA worth $500,000. He planned on leaving this IRA to his spouse when he passes.
Because of his increasing RMD and the taxes due as he withdrawals, his spouse is going to receive much less.
With the Wealth Transfer he was able purchase discounted dollars and leave his wife.
$750,000 Guaranteed Tax-Free!57
Unused IRAs
John is 69 and has an IRA worth $672,000 that he doesn’t want or need.
Using the Tax-Free IRA Wealth Transfer plan, he is able to provide -
$922,000 Tax-Free to his spouse and children
With no out of pocket money for taxes.
IRA Tax-free Wealth Transfer, It Works!
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You should consider a financial vehicle that can help meet the following goals:
• Reducing taxes on your estate
• Providing liquidity to pay taxes, debts and estate settlement costs
• Ensuring financial security during your lifetime and providing for your family after death
• Avoid assets going to unintended beneficiaries, such as Uncle Sam
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Questions You May Have?
Am I too old?– Tax-free Wealth Transfer is issued up to age 85.
Do I get access to my money?– Tax-Free Wealth Transfer is 100% liquid without any
penalty.
What if I don’t like life insurance?– Traditional life insurance is an expense, Tax-Free
Wealth Transfer is an asset transfer into a tax-free wrapper with an increase in tax-free death benefit.
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TAX-FREE ALWAYS WINS!
TAKE ACTION Schedule a meeting with the top
experts Ken & Phil
1-800-254-9567 61
Disclaimer:
This booklet does not give individual tax advice and it's purpose is to educate. None of the examples in the booklet should be used for your personal planning. The products and ideas referenced in this booklet may not be available in: all states, all ages and all scenarios.
