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S  T$v^i^i x   w* G##GGjj  T%v^i^i  <  y* G##GGjjH  0`jՌ ? ̙33 0$(  `   N"v^i^i x!  v [* G##GGjj  Nt"v^i^i  <! v ]* G##GGjj  T"v^i^i zx  v [* G##GGjj  T4#v^i^i z < v ]* G##GGjjH  0`jՌ ? ̙33 P ^(    0d^: P Legacy Max* (2 <  0$_`   YKeep Success in the Right Hands (2 b  @ Z3fvd @   s *_`@ WRas(2j   C BA*D:\clipart\hands.jpgpI H  0޽h ? ̙33 ME (    0i 0@ : 2   0ϑ eChanging Financial Objectives, 20<j  0$Б E,$D 0  Estate planning goals can shift from accumulation to conservation Your concern may have shifted from cash withdrawals for yourself to preserving a legacy Annuities & IRAs may not meet your asset protection and transfer goals. `L g(2 g(2 2P"HfZ   S  ??pp  b   C :A"D:\clipart\a.jpg` H  0޽h ? ̙33 $U( + $ $ 0ё@ d Tax Efficient Retirement Savings(! 2 0 $ 0ґ@ ,  EAnnuities and IRAs are very tax-efficient ways to save for retirement&F 2Eb $ C :A"D:\clipart\b.jpg P H $ 0޽h ? ̙33@ (( 䝆 ( ( 0$ӑ R IRA Features* (2 0 ( 0ӑ   .z Contributions may be partially or totally tax deductible Growth is tax-deferred Taxable as income when distributed; g(2 H(2 g(2 g(2% g(2xH ( 0޽h ? ̙330 @p(  @ @ 0Dԑ  > 20  @ s *Ցffp`w VAnnuity Features*(20 @ 0dՑ0z  z Contributions are after-tax money Tax-deferred growth Portion of retirement payment can be tax-free return of contributions Can provide income you can t outlive$ g( g( g( g(@ g(, g(' g(H @ 0޽h ? ̙33Z  D(  D D 0$֑ PBut& ,(20 D 0֑ VAnnuities and IRAs are inefficient ways to pass wealth to your heirs and beneficiaries&W 2V D 0֑@ `G  JWhy?*(20H D 0޽h ? ̙33E   H( w H H 0ؑP00 KEroding Your Legacy, H 0dؑp  :A gift of annuity or IRA during your life results in BOTH gift and income taxes at the time of the gift Can be subject to estate taxes at death Value at death could result in income taxes due J% 2 'H H 0޽h ? ̙33 @XQ( [F X X 0ّ  ' YEroding Your Legacy*(20T X 0Dڑ  Z Combined gift and income taxes or Combined estate and income taxes could result in...~! g(2( g(27 g(2! 7 X 0ۑ PJ,$D 0 h"Loss of up to 70% or more to taxes*#(2"(H X 0޽h ? ̙33  `\D( 8ӆ \ \ 0 ' L An Example& (2 0 \ 0$ 0f xGross value of non-qualified annuity at life expectancy = $1.6 M based on 20 years of growth, tables 5 & 6, 6% net rate.y 2y \ 0  x,Harry is 65. His estate is worth $5M at his death Included in Harry s estate - a non-qualified annuity that has grown to a value of about $1.6 million" g(2b \ C :A"D:\clipart\c.jpgP P H \ 0޽h ? ̙33%  $e(  $ $ 0P @W `Harry s Legacy( 20 $ 0 @  `Keep Non-Qualified Annuity (NQA) Gross Value at Life Expectancy $1,600,000 Estate Tax on NQA $ 855,000 Income Tax on NQA $ 180,000 Net to Heirs $ 565,000x!(2 2 c 'N3 $ 0d I Gross value of annuity at life expectancy = $1.6 M, based on 20 years of growth, tables 5 & 6, 6% net rate. Estate tax rate = 53%, income tax rate = 28% 2b $ C :A"D:\clipart\c.jpgP H $ 0޽h ? ̙33 $( w   0DP W `Harry s Legacy( 20  0 l y7Of the Non-Qualified Annuity (NQA) Valued at $1,600,000&8 27  0 P  ( Only $565,000 goes to his daughter<) g(2&  0 T,$D 0 ]A 65% Reduction in the Asset!$ 2$b  C :A"D:\clipart\c.jpg  H  0޽h ? ̙33  ;3d(  d d 0  `Harry s Legacy( 20 d 0DP < y7Of the Non-Qualified Annuity (NQA) Valued at $1,600,000&8 27 d 0p (   Only $565,000 goes to his daughter The rest goes to IRS It could get worse& .X) g(2. g(2(.b d C :A"D:\clipart\c.jpg  H d 0޽h ? ̙33F   h( D h h 0 v`  `Harry s Legacy( 20 h 0T!v0  r0Of the $1,600,000 Non-Qualified Annuity (NQA) --&1 20B h 0!v d , If NQA beneficiary is a grandchild& May be subject to Generation Skipping Tax& . Further reducing total Harry passes on to his heirsT+ g(2l g(2+k>,/b h C :A"D:\clipart\c.jpg H h 0޽h ? ̙33,  ll(  l l 0 P`' XWhat Can Harry Do?*(20Z l 0@0  X Can t give NQA away -- would pay both gift & income taxes at time of gift. Shouldn t hold until death because of potential estate and income tax liabilitiesdU g(2 g(2W g(2UW l 0 ,$D  0 ~>Legacy Max& A Better Alternative$ 20H l 0޽h ? ̙33 jbp(  p p 0P P Legacy Max* (2 0  p 0Tp `  Exchange for something that has  no value for estate taxation purposes Remove Non-Qualified Annuity from estate WITHOUT gift taxeshH g(2 g(2A g(2HA '@@H p 0޽h ? ̙33 0;( w L 0 # @Pr  B @0  0Ԑ  d"Exchange NQA for Immediate Annuity&# 2"  04@ pG JStep 1( 20  00 @  G Purchase immediate annuity with payments to Harry for his lifetime Annuity payable for his life terminates without value at his death< g(2P )!H  0޽h ? ̙33 P xR(  x x 0T  JStep 2( 20L 0 x#  0x x H @0 x 0  r"Exchange NQA for Immediate Annuity&# 2"L p   x# p   x  ` @p   x 0ԓ   YAnnuity Payments to Harry$(2 x 64p  EHarry receives annuity payments and pays income taxes on each payment&F 2EH x 0޽h ? ̙339    p'|0 e (  | | 0  JStep 3( 20L 0 |# 0x | H @0 | 0  d"Exchange NQA for Immediate Annuity&# 2"L P  |#  Pr | B @P  | 0t  c#Harry establishes irrevocable trust$$(2#L p  |# p  | Z @p  | 04   YAnnuity Payments to Harry$(2) "| 0  O Harry sets up an irrevocable trust Trust buys life insurance on Harry*P g(2O,%L `  #|#  @ $| T @`  %| 0PP @  \Trust purchases life insurance on Harry s life$/(2.d2 &| <v @@  '| 0Tp   z6Pay current income taxes on distributions from annuity(7 26H | 0޽h ? ̙33  i a   (  L 0 # PPr  B @0  0t  d"Exchange NQA for Immediate Annuity&# 2"L P   #   `r  B @P    0T)  c#Harry establishes irrevocable trust$$(2#L p  # @   Z @p   6*   YAnnuity Payments to Harry$(2L `  #  @`   T @`    0t*PP @  \Trust purchases life insurance on Harry s life$/(2.2  # lGIovd @@ `   6*p| m+Harry uses annuity payments to pay premiums&, 2+  0+P`W j&During Harry s Life( 20d2  <v @p P H  0޽h ? ̙33 qi( x   0,`  d At Harry s Death( 20*  0-   Life insurance pays Harry s daughter $1.8M non-taxable death benefit&E 2D  0-ppw ,$D 0 Q No Income Tax( 2 0b  C :A"D:\clipart\c.jpg    0. @ ,$D 0 E No Estate Tax 20  0. Pp 3Assumes that $1,300,000 face amount of Security Design II is purchased with the after-tax distribution from the non-qualified annuity and grows to approximately $1.8 million, based on current interest and current mortality assumptions., 2H  0޽h ? ̙33j ( A    00 l*If Harry is married& .&(20  0t0n  >Annuity can pay income to Harry or his wife until second of them dies Life insurance can be designed to insure both spouses and pay at second deathrK g(2 g(2O g(2H  0޽h ? ̙33 ph(    01d  h"So What Did Legacy Max Accomplish?*#(2"0H  0޽h ? ̙336    v(    02@ `Harry s Legacy( 20  03  Keep Non-Qualified Annuity Gross Value at Life Expectancy $1,600,000 Estate Tax on NQA $ 855,000 Income Tax on NQA $ 180,000 Net to Heirs $ 565,000|(2 2d '  gN  0t3PP   mExchange & Buy Life Insurance Policy Death Benefit $1,800,000 Estate Tax on Life Insurance Policy $0 Income Tax on Life Insurance $0 Net to Heirs $1,800,000x(2 2  b0  03   Gross value of annuity at life expectancy = $1.6 M, based on 20 years of growth, tables 5 & 5, 6% net rate. Estate tax rate = 53%, income tax rate = 28% 2  040  ,$D 0 S 65% Advantage* 2    04 Pp 3Assumes that $1,300,000 face amount of Security Design II is purchased with the after-tax distribution from the non-qualified annuity and grows to approximately $1.8 million, based on current interest and current mortality assumptions., 2H  0޽h ? ̙33 0C(    0P W ]What Did Legacy Max Do?*(20  0DPp,$D 0 v $1.8M vs. $565,000 for Harry s daughter -- a 65% increaseJ< g(292  0`,$D 0 }? With a survivorship policy, the increase could be even greater"@ g(2@  0 Pp 3Assumes that $1,300,000 face amount of Security Design II is purchased with the after-tax distribution from the non-qualified annuity and grows to approximately $1.8 million, based on current interest and current mortality assumptions., 2H  0޽h ? ̙33 OGP(      00 HCaveat&(20  0$p 0v UNot everyone will qualify for life insurance -- it will be based on current condition&V 2UH  0޽h ? ̙33P p( ^l^   0DP 0W N Legacy Max( 2 08  0PP `  ZHelps preserve your assets Helps maximize the benefit to your heirs and beneficiariesT g(2@ g(2?b  C :A"D:\clipart\d.jpg  H  0޽h ? ̙33 R(    0` O Disclaimers( (2 0]  0$0\  Scenarios used the following assumptions: All figures used in this presentation are for illustrative purposes only Net value of non-qualified annuity at life expectancy = $1.6M based on 20 years of growth, tables 5 & 6, 6% net rate of return. Rollover non-qualified annuity to immediate annuity - payments to ILIT to purchase life insurance, using Security Design II, Policy Form No. 11320 (#11330 in Montana), varies by state and is not available for sale in every state. Estate tax on annuity = 53% Income tax on annuity = 28% Legacy Max concept designed for use with either Universal Life Insurance or Variable Universal Life Insurance products F* 2c g(2 2*dN  0 P`! Insurance and annuities issued by ReliaStar Life Insurance Company and Security-Connecticut Life Insurance Company. Securities offered through Washington Square Securities, Inc., 20 Washington Avenue South, Minneapolis, MN, 55401, (612) 372-5507. WSSI, ReliaStar Life and Security-Connecticut are wholly-owned subsidiaries of ReliaStar Financial Corp., a diversified holding company based in Minneapolis, MN.(`x2JJ  0D3 H Doc. #6176" 2  H  0޽h ? ̙33 0 H@,( x ,X , C  J6   @ , S ӑ  L   Sometimes contributions to IRAs can be tax-deductible. Certainly the gains on your IRA are tax-deferred until you start taking the money out. It s only when you start taking the money out that you pay taxes on this income. H , 0`jՌ ? ̙33  0 0\( f@4  0X 0 C  J6    0 S dґ  L  v ^JAmong your financial options, IRAs and annuities offer some very good tax advantages. These advantages are why many people have IRAs and annuities as part of their retirement portfolio. Just a note on terminology here today [tonight]. Your IRA contributions and rollovers can be invested in a variety of investment vehicles -- including an annuity. When we refer to an  IRA here, that will include any annuity policy you may have purchased inside your IRA. When we refer to an  annuity that will mean an annuity that is not part of your IRA.H 0 0`jՌ ? ̙33 0 `X4(  4X 4 C  J6   X 4 S Б  L   We re here today [tonight] because you planned for and have achieved some financial success. Your objective may now be shifting from accumulation to conserving what you have accumulated. In fact, you may be approaching or in retirement with more accumulated assets than anticipated. That s the good news. Your cash needs for retirement living may be more than taken care of. And your thoughts shift to how you can leave a legacy to your heirs. Annuities and IRAs may have been a very good method of accumulating resources, but they are not necessarily a good way to transfer your assets to heirs and beneficiaries. H 4 0`jՌ ? ̙33. 0 p8~( 4׆׆ 8X 8 C      8 S Di  L   l[self-introduction] Welcome to this session on estate planning. You may have some concerns and questions around the issue of preserving more of your assets to pass along to heirs and beneficiaries. We call this idea  Legacy Max . Other names for it that you may have heard are  wealth transfer or  capital transfer or  annuity conservation . They all deal with your changing financial objectives and the desire to leave more of your assets behind for your loved ones. Today [tonight] we will discuss some tax considerations that can help you do that better. H 8 0`jՌ ? ̙33+ 0 P{( 8}@pu@ PX P C  J6    P S Dב  L   }iBut those tax advantages that are good for you may not be so good for your beneficiaries and heirs. Why?H P 0`jՌ ? ̙33 0 TV( )p TX T C  J6    T S Ց  L   XAnnuities also offer many tax advantages. While the contributions are after-tax dollars, taxes on the growth of this asset are deferred. You begin paying taxes on the gain in your account, after you start taking payments out. If the contract is annuitized -- which means that the insurance company promises to pay the annuity balance to you or your beneficiary in systematic payments -- these payments can be over your lifetime or over a specific period of years. A portion of every payment will be considered a return of the amount you paid into the contract and is therefore tax-free. And of course one of the most popular features of annuities is the senses of security that comes from the guaranteed stream of income an annuity contract can promise.$C H T 0`jՌ ? ̙33& 0 Pv(  X  C  J6     S dۑ  L   x8Gift and income taxes if you transfer the IRA or annuity while you re alive, estate and income taxes if you pass it on when you die. When you add all these potential tax liabilities up, it could reduce the value of an IRA or annuity by 70 percent or more! Let s look at an example.$ %H  0`jՌ ? ̙33  0 p( i X  C  J6   v  S   L   Harry, at his death at age 65, has an estate valued at approximately $5 million. Part of that estate includes a non-qualified annuity (NQA) that has grown to be valued at $1.6 million. Harry wants to leave this to his daughter. But the IRS has other plans. H  0`jՌ ? ̙33  0 9( @ R@ X  C  J6     S d  L   ;'The scenario can be even worse. H  0`jՌ ? ̙33  0 XP( 8}@pu@ X  C  J6   P  S   L   If Harry leaves this asset to a grandchild, for example, another tax, the Generation Skipping Tax, is applied and the net value of the asset goes down even more. $9kH  0`jՌ ? ̙33  0 8(  X  C  J6     S 4  L   :&When he purchased the non-qualified annuity, Harry s investment was a great choice at the time and has become a valuable asset. But the situation has changed. Now this smart investment has some disadvantages that prevent Harry from achieving one of his life goals - helping his children financially. Fortunately, there is a way to turn this disadvantage around. It s a concept we call  Legacy Max .H  0`jՌ ? ̙33R 0   (  X  C  J6   v   S   L   The idea of Legacy Max is to turn an asset with serious tax consequences into one that has fewer or no tax liabilities. Legacy Max is a way to convert an annuity or IRA into an asset that is not counted when your total estate value is calculated for estate tax purposes. Because it s not a gift, you also avoid any gift taxes.H  0`jՌ ? ̙33 0 `$( i X  C  J6     S   L   &Harry starts receiving his annuity payments and he does pay any income tax due each time he is paid. NOTE: If under age 59-1/2, a 10 percent tax penalty is also assessed on each distribution. For this reason, this scenario is most suitable to individuals over age 59-1/2.H  0`jՌ ? ̙33 0 >( 8}@pu@ X  C  J6     S   L   @,At the same time, Harry sets up an irrevocable trust, with his daughter as beneficiary. The trust buys a life insurance policy on Harry. It uses Harry s contribution, which comes from the annuity payment Harry has received, to pay the premium on the life insurance policy. H  0`jՌ ? ̙33 0 4(  X  C  J6     S +  L   6"And Harry contributes his annuity payments into the trust which uses them to pay the premiums on the life insurance policy. Depending on the type of life insurance policy the trust buys, the cash value and death benefit of the policy may grow throughout Harry s lifetime. H  0`jՌ ? ̙33` 0  ( i X  C  J6     S T/  L   rWhen Harry dies, the life insurance policy death benefit is paid as a tax-free death benefit to Harry s daughter. Remember, the death benefit is free of both income and estate taxes.$H  0`jՌ ? ̙33 0 zr@ (    X  C  J6   r  S   L   First Harry takes his non-qualified annuity and annuitizes it. That is, he starts receiving payments from the annuity. For our example we will take the case where these annuity payments last for Harry s entire lifetime. When Harry dies, this stream of payments stops. For this reason, the annuity is considered to have no value in calculating Harry s estate.0 1H  0`jՌ ? ̙33 0 ZR( i X  C  J6   R  S 0  L   If Harry is married and the annuity has been properly structured, his surviving spouse may receives the annuity payments after Harry s death. The life insurance policy can be designed to insure both spouses and pay at the second death.H  0`jՌ ? ̙33 0 ^(  X  C  J6     S 1  L   `LA side-by-side comparison shows the dramatic difference Legacy Max can make.H  0`jՌ ? ̙33 0 `X (  X  C  O4   X  S $  L   Looking at the difference between keeping the non-qualified annuity and converting it to another type of financial product, the results are dramatic. With Legacy Max, the asset is protected from a 53 percent estate tax and from a 28 percent income tax. The result is that Harry s intentions are kept and his daughter receives this legacy intact. _H  0`jՌ ? ̙33t 0 4,@(  X  C  J6   ,  S d  L   In sum, Legacy Max saved over a million dollars of Harry s estate from income and estate taxes for his daughter. In the case of a survivorship life insurance policy on a spouse, this difference can be even greater.H  0`jՌ ? ̙33U 0  `(  X  C  J6      S   L   One thing to note: Because the Legacy Max concept is primarily suitable to individuals at or near retirement age, insurability can be an issue and should be determined prior to initiating any transactions with your existing annuity or IRA. Qualifying for life insurance and the cost, based on underwriting guidelines, can be a factor in determining whether this is a workable scenario for some people.H  0`jՌ ? ̙33V 0 (  X  C  J6     S   L   Having  extra assets at retirement is a testament to your successful planning and regular saving. Now there is a way to preserve those assets and give you the satisfaction of providing additional resources for your heirs and beneficiaries. Legacy Max can be the way for you to accomplish this important financial objective.H  0`jՌ ? ̙33 0 ( X[@ X  C  J6     S   L    H  0`jՌ ? ̙33 0 X(  X  C  J6     S $  L   ZFAfter estate taxes and income taxes, Harry s daughter is left with a fraction of the value of the IRA - $565,000. Two thirds of the value has gone to pay taxes.H  0`jՌ ? ̙33 0 (^(  (^ ( S  J6    ( c $  L   TThe gross value of Harry s non-qualified annuity is now $1.6 million. That non-qualified annuity will be counted in the taxable portion of Harry s estate. And the estate will pay a 53 percent estate tax on it of $855,000. Then the income tax now due on the non-qualified annuity will be assessed at a 28 percent tax rate for another $180,000. What s left for Harry s daughter? $565,000. $b%H ( 0`jՌ ? ̙33 ! 0  z 0L ( w LX L C  J6   z  L S ؑ  Lz    What can you do with an IRA or annuity? You can give it away. But if you do, you are making a gift. That means you --the person making the gift -- may have to pay a gift tax. And even if you don t owe gift tax, the gift you make today can have an impact on how your estate is taxed when you die. And there may be income tax consequences for you. Here s how it works& If you give away an annuity, you ll have to pay income taxes in the year you make the gift. These are income taxes on any growth in the annuity over whatever you have put into it yourself. And, if you re under 59-1/2, when you make the gift you ll owe an income tax penalty of 10 percent. With IRAs, the problem is similar. As far as the IRS is concerned, if you give away your IRA, what you ve really done is cashed it in and given away the proceeds. When you  cash in your IRA, in most cases it s fully income taxable and subject to a 10 percent penalty if you re under age 59-1/2. If you don t give away your IRA or annuity, it will be included in the calculation of your taxable estate, and it will be subject to income tax to your beneficiaries. $kH L 0`jՌ ? ̙33xp^RЀ3ÿ lHbP  LPÄ!?(f+4>GA @X ʐ*ы@ b`fʃ BL`i7d gdX`e3\$,!`)bBi&9@^ `H<``b ?k?(4lF@[1Pwa EAnmbT1s1s113Ab(F`1sAҮ$Q$ 7) ᛙ\_VYXTZ)%A*R0/ L {A@"D^*++#cttth^v^~ysbIjz~Qell,T!RC$'@ -X C|4Pw۰Hფrt?{~>$"bN K=Ax 6,=28x kf4髝}?^ dde{sQ0 $&?r$;$!).1ñSg +5c: A+E Ex@PTX1^ec 6l\r! }^$'aQ.@t3 ^:60'gF" / dO7JHPzz=!#LOh+'0R px  $ 0 < HT\No Slide TitleReliaStar Laptop RemP%H:\Eder\Presentations\legacy max.pptros James Geldernta115Microsoft PowerPoint\le@/@&@)H-@em[H GPoM  P('& &&#TNPP0D v & TNPP &&TNPP     'A x(xʦ 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CJntssmJD_____έέάeeeeeC_C_C_f_C_f__f______¼tsmJC=!CC=!CDIDCC DsssnJl__ȭdžeee_________________f__________snmIC  _PID_GUIDAN{87A13A00-2B2D-11D4-960D-0000F6D90F9E}Root EntrydO)@mnM@PicturesCrCurrent User,SummaryInformation(DR $_$ James GelderRoot EntrydO)0K8Y PicturesCrCurrent UserSSummaryInformation(DR   !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~)_$Richard M RomaineRichard M RomaineRoot EntrydO)PicturesCrCurrent UserSummaryInformation(DRPowerPoint Document(:$DocumentSummaryInformation8