Deposits into an annuity are not tax-deductible; however you may not have to pay taxes on the interest earned on a tax-deferred annuity until distributions occur. This tax-deferral period can have a dramatic effect on the growth of an investment. Use this tool to compare the tax advantages of saving...
A private annuity can help one reduce taxes (income, estate and gift), receive a steady income and diversity one's portfolio. But before one gives up one's rights to the property to save tax dollars, there are a few points to keep in mind. First, once payments begin, they cannot be...
A Grantor Retained Annuity Trust ("GRAT") is one of the estate planning techniques based primarily on interest rate assumptions. Clients create GRATs using assets that are likely to earn more than the Internal Revenue Service's measuring standard during the GRAT term in an effort to pass the appreciation in the...
In some situations, investing in variable annuities VAs may be a good choice, while in others investing in securities held within a taxable account may be more appropriate. The primary objective of this article is to develop client profiles for potential VA owners and for current VA owners who might...
Pension plans are financial schemes designed to dispense monetary incentive to employees upon retirement. Of these the fully insured plan is a type of defined benefit pension plan that is funded exclusively by life insurance, annuity contracts, or a combination of the two. These plans are growing in popularity, largely...
Immediate annuities may do wonders for clients, but some planners may wonder about their own cash flow. Clients may be attracted not only by the security of lifelong income, but also by the tax aspects of investing in immediate annuities. Each payment is partially untaxed as a return of principal,...
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