MJ Structured Settlement Annuities. Attractive Alternatives for Self Directed IRA s or Personal Portfolios

Size: px
Start display at page:

Download "MJ Structured Settlement Annuities. Attractive Alternatives for Self Directed IRA s or Personal Portfolios"

Transcription

1 MJ Structured Settlement Annuities Attractive Alternatives for Self Directed IRA s or Personal Portfolios

2 Discussion For those grappling with investment losses, annuities today have an undeniable appeal. (Wall Street Journal 4/19/2009) What is a Structured Settlement? How does this program compare to other fixed income options? What is the opportunity? What is the process for obtaining Structured Settlements? How does this fit into a self directed retirement planning strategy? /4/2010 2

3 Structured Settlement Structured Settlements are typically created as part of the settlement of a lawsuit A Structured Settlement is an agreement between parties which generally results in an insurance entity committing to make tax-free payments to an individual for an agreed upon period of time Plaintiff s financial needs often change over time resulting in a demand for liquidity options After a Structured Settlement is in place, some claimants look to exchange some portion of the periodic cash flows for a lump sum payment. Our business model matches those claimants with potential Purchasers of the payment stream. 2/4/2010 3

4 Sale of Structured Settlement Payment Rights In each state, there have been thousands of approved transactions where Plaintiffs have sold their Structured Settlement payment rights for a lump sum payment The cash flows are sold at a discount in exchange for the lump sum payment, and this discounted Structured Settlement is available for sale to the Purchaser This manner of securing the payment streams at a discount directly from the seller is how the Purchaser secures such favorable yields Our organization facilitates this transaction on behalf of the seller and the purchaser 2/4/2010 4

5 Purchase Opportunity A Structured Settlement is a Fixed Rate and Term Annuity Structured Settlements may offer significantly higher yields than traditional annuities Annuity is backed by a rated insurance entity Wide range of cash flow options available based on purchaser s needs 2/4/2010 5

6 Examples of potential opportunities Can be purchased in a Self Directed Investment account for taxable advantages Can be purchased for immediate guaranteed cash flow Can guarantee income in future periods Can be purchased for a future guaranteed lump sum payment Future payments can be purchased at substantial discounts 2/4/2010 6

7 Returns are Fixed and Risk is Small 1. In most cases, the seller has already been receiving payments related to the original Structured Settlement. This indicates that the insurance company has accepted that obligation, and has established a pattern of making timely payments. 2. Structured Settlements are typically secured through a process of matching assets, meaning that the insurance entities typically invest the original principal received into investments which offset the obligation. 3. The insurance companies have historically performed as agreed. 4. The Court Order process establishes the rights of the purchaser related to receipt of the payments, as well as the completion of a process that includes the acceptance and acknowledgement of the specific insurance entity. 5. Structured Settlements are Claims Paying obligations and supercede other creditors in the unlikely event of default or liquidation. 6. The underlying rating of the insurance entity is available. 7. The insurance entities typically have large parent companies, with significant asset bases. 8. Finally, each state provides a limited guarantee fund to support the obligations of the entities within that state. 2/4/2010 7

8 Conclusion Higher yields than comparable fixed rate investments. Fixed income over a defined period of time Purchasers can purchase this asset to increase the yields in personal holdings, to maximize income at retirement, or to preserve principal for future years. They can be purchased by retirement plans and managed by the trustee. The Structured Settlement is backed or supported by annuity contracts issued by rated insurance carriers. Purchaser has control throughout the process For more information contact: Todd (800) x 1152 TLesk@MJStructuredSettlementAnnuities.com At no time during the lifecycle of the asset does our firm have possession or control of the Purchaser s money. Fixed Rate Structured Settlements are not typically offered directly to the general public. Therefore, they provide a limited opportunity to sophisticated and cautious Purchasers to secure safe fixed returns at superior rates of interest. 2/4/2010 8

Altium Structured Settlement Investments (SSI s)

Altium Structured Settlement Investments (SSI s) What is an Altium Structured Settlement Investment or SSI? Altium SSI s are streams of court ordered cash payments, paid by an Insurance Carrier, the payer, to a plaintiff who won a personal injury lawsuit.

More information

STRUCTURES 101. History 101

STRUCTURES 101. History 101 STRUCTURES 101 History 101 1918 IRS enacted section 104(a)(2) of the Internal Revenue Code bodily injury claims are free of taxation. 1983 Periodic Payment Act of 1983 encourages the use of structured

More information

Introduction. In today s uncertain environment, what can. high yield, low risk alternative:

Introduction. In today s uncertain environment, what can. high yield, low risk alternative: Structured t Settlements t A Safe New Way to Double Your Return The Wealth Preservation Institute 3260 S. Lakeshore Dr. St. Joseph, MI 49085 269-216-9978 www.thewpi.org info@thewpi.org 2010 All Rights

More information

STRUCTURED SETTLEMENTS THE BEST PEOPLE. THE BEST PRODUCTS. THE BEST PROCESSES.

STRUCTURED SETTLEMENTS THE BEST PEOPLE. THE BEST PRODUCTS. THE BEST PROCESSES. STRUCTURED SETTLEMENTS THE BEST PEOPLE. THE BEST PRODUCTS. THE BEST PROCESSES. Page 2 WHAT IS A STRUCTURED SETTLEMENT? A structured settlement is simply a financial tool that allows you to have a portion

More information

Secondary Market Income Annuities

Secondary Market Income Annuities Secondary Market Income Annuities Buyer s Guide Peace of Mind Through Financial Independence Annuity FYI is devoted to helping investors protect their retirement nest egg. Traditional wisdom of retirement

More information

Structured Settlements

Structured Settlements Introduction The Stock Market is inherently risky CDs are paying low interest rates Money Market Accounts aren t much better Government Bonds also have low returns In today s uncertain environment, what

More information

Structured Cash Flows offer buyers competitive fixed rates with predictable income that can be customized to their unique needs.

Structured Cash Flows offer buyers competitive fixed rates with predictable income that can be customized to their unique needs. Brochure Summary: The secondary structured cash flow market has been in existence for decades, and is a multibillion dollar per year industry. The secondary structured cash flow market allows an individual

More information

Why are the interest rates higher than those offered by other fixed investments?

Why are the interest rates higher than those offered by other fixed investments? ST RUCT URED CASHF L OWS S t r uc t ur e d Ca s h F l ows. c om Discounted Cash Flows The secondary market for a variety of cash products has existed for years. These products range from pension payments,

More information

Buyer s Guide for Purchasing Secondary Market Annuities

Buyer s Guide for Purchasing Secondary Market Annuities Pacific Structured Assets, Inc. Secure High Yield Investments for the Sophisticated Buyer Buyer s Guide for Purchasing Secondary Market Annuities 2012 Pacific Structured Assets, Inc. All Rights Reserved

More information

How To Buy A Structured Settlement

How To Buy A Structured Settlement Structured Settlements: A Buyer s Guide for Investors Learn more about court ordered structured settlement transfers, why they are viewed as safe investments, and how they can help you reach your financial

More information

Secondary Market Structured Settlements Buyer s Guide

Secondary Market Structured Settlements Buyer s Guide Secondary Market Structured Settlements Buyer s Guide What is a Secondary Market Structured Settlement? A Secondary Market Structured Settlement is a transferred structured settlement in which you, the

More information

special tax notice regarding plan payments

special tax notice regarding plan payments special tax notice regarding plan payments This notice contains important information you will need before you decide how to receive your benefits from the Moroch Family of Companies 401(k) Savings Plan

More information

Factoring Structured Settlement Life - Contingent Payment Annuities What Judges Should Know

Factoring Structured Settlement Life - Contingent Payment Annuities What Judges Should Know Factoring Structured Settlement Life - Contingent Payment Annuities What Judges Should Know By: Andrew S. Hillman, Esq., President and CEO, Specialty Asset Advisors, Inc. for Seneca One Finance, LLC May

More information

Build a Secure Financial Future

Build a Secure Financial Future United of Omaha Life Insurance Company A Mutual of Omaha Company Build a Secure Financial Future With A Structured Settlement From United of Omaha MUGC9176_0412 Structured Settlements Designed to Meet

More information

Opportunities in Structured Settlements. Presented by: Michael Goodman, Esq., CSSC

Opportunities in Structured Settlements. Presented by: Michael Goodman, Esq., CSSC Opportunities in Structured Settlements Presented by: Michael Goodman, Esq., CSSC What is a Structured Settlement? Settlement requiring payment of benefits over a period of time, rather than a single lump

More information

The Value of Money Over Time: Structured Settlements and How Other Financial Situations are Impacted by Time

The Value of Money Over Time: Structured Settlements and How Other Financial Situations are Impacted by Time The Value of Money Over Time: Structured Settlements and How Other Financial Situations are Impacted by Time Founded in 1988, Settlement Capital Corporation is credited with establishing the secondary

More information

No securities regulatory authority has expressed an opinion about these annuities. It is an offense to claim otherwise.

No securities regulatory authority has expressed an opinion about these annuities. It is an offense to claim otherwise. Put your money to work Fixed Term Annuities Presenting Higher Yield Returns A to AAA Rated (S&P) Flexible terms April 2, 2010 No securities regulatory authority has expressed an opinion about these annuities.

More information

Discover the Value. Secondary Market Income Annuities

Discover the Value. Secondary Market Income Annuities Discover the Value Secondary Market Income Annuities Welcome to Better Yields If you are looking for an opportunity to earn aboveaverage fixed income returns for a balanced portfolio or otherwise and you

More information

Buyer s Guide. Copyright 2011; BG3.11 Somerset Wealth Strategies, Inc. All Rights Reserved

Buyer s Guide. Copyright 2011; BG3.11 Somerset Wealth Strategies, Inc. All Rights Reserved Buyer s Guide Copyright 2011; BG3.11 Somerset Wealth Strategies, Inc. All Rights Reserved 10 Facts to Know 1. Secondary Market Income Annuities (SMIA) can provide above average returns for the fixed income

More information

Understanding and Evaluating. Stable Value Funds

Understanding and Evaluating. Stable Value Funds Understanding and Evaluating Stable Value Funds Understanding Stable Value Funds What is a stable value fund? Stable value (SV) funds are capital preservation investment options available only in ERISA

More information

Secondary Market Annuities: What to Know Before You Buy

Secondary Market Annuities: What to Know Before You Buy Secondary Market Annuities: What to Know Before You Buy WHAT WILL YOUR RETIREMENT LOOK LIKE? Use this guide to decide if SMAs are right for you Everyone s Retirement is Different Are you looking for a

More information

Treasury Funded. Structured Settlement. Providing Enhanced Security. w i t h U. S. Government. O b l i g a t i o ns Held in a

Treasury Funded. Structured Settlement. Providing Enhanced Security. w i t h U. S. Government. O b l i g a t i o ns Held in a Treasury Funded Structured Settlement Providing Enhanced Security w i t h U. S. Government O b l i g a t i o ns Held in a P e r i o d i c P ayment Trust Why Choose a Structured Settlement? With today s

More information

Structuring Your Settlement. A guide to Structured Settlements in Canada

Structuring Your Settlement. A guide to Structured Settlements in Canada Structuring Your Settlement A guide to Structured Settlements in Canada Our mission statement: To provide knowledge and creativity in assisting the Insurance and Legal industries with our experienced,

More information

QUALIFIED SETTLEMENT TRUSTS A Useful Tool in Multi-Party Litigation

QUALIFIED SETTLEMENT TRUSTS A Useful Tool in Multi-Party Litigation 2005, Davis, Malm & D Agostine, P.C. QUALIFIED SETTLEMENT TRUSTS A Useful Tool in Multi-Party Litigation Marjorie Suisman, Esq. Davis Malm & D Agostine P.C. I. Introduction. A Designated Settlement Fund

More information

SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS (QDRO Alternate Payee) i A. TYPES OF PLAN DISTRIBUTIONS

SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS (QDRO Alternate Payee) i A. TYPES OF PLAN DISTRIBUTIONS SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS (QDRO Alternate Payee) i This notice explains how you can continue to defer federal income tax options for your QDRO distribution from the Plan under a qualified

More information

14. Probate in the State of Washington

14. Probate in the State of Washington -63-14. Probate in the State of Washington What Is Probate? Probate is a court-supervised procedure that determines the ownership of property of a deceased person (a decedent). When a person dies, all

More information

Structured Settlements: A Buyer s Guide

Structured Settlements: A Buyer s Guide Learn more about court-ordered structured settlement transfers, what makes them attractive and how they can help you reach your financial goals for the future. WHAT IS A STRUCTURED SETTLEMENT? For the

More information

Structured Funding Offered through 72VEST Financial Center

Structured Funding Offered through 72VEST Financial Center Structured Funding Offered through 72VEST Financial Center 217 523 4070 Things to know about a Structured Settlement purchase A "Structured Settlement" is an agreement between a claimant and a defendant,

More information

2 What are Your Hopes and Dreams? 4 Our Approach in Action 4 How We Work With Clients 6 A Single Source From Legal Settlement to Financial Security

2 What are Your Hopes and Dreams? 4 Our Approach in Action 4 How We Work With Clients 6 A Single Source From Legal Settlement to Financial Security 2 What are Your Hopes and Dreams? 4 How We Work With Clients 4 Our Approach in Action 6 A Single Source From Legal Settlement to Financial Security what are your hopes and dreams? A wrongful death or physical

More information

ASSET MANAGEMENT. Building FINANCIAL Futures

ASSET MANAGEMENT. Building FINANCIAL Futures // SETTLEMENT ASSET MANAGEMENT TRUSTS // ENHANCED STRUCTURED INCOME (ESI) // SPECIAL NEEDS TRUST TRUSTEE SERVICES // ASSET MANAGEMENT SERVICES FOR INJURY VICTIMS ASSET MANAGEMENT Building FINANCIAL Futures

More information

settlement planning guide for plaintiffs

settlement planning guide for plaintiffs settlement planning guide for plaintiffs If you expect to receive a settlement as the result of a major injury or the death of a loved one, it is normal to feel overwhelmed. You may have questions about

More information

COLLIERS INTERNATIONAL USA, LLC And Affiliated Employers 401(K) Plan DISTRIBUTION ELECTION

COLLIERS INTERNATIONAL USA, LLC And Affiliated Employers 401(K) Plan DISTRIBUTION ELECTION 1. EMPLOYEE INFORMATION (Please print) COLLIERS INTERNATIONAL USA, LLC And Affiliated Employers 401(K) Plan DISTRIBUTION ELECTION Name: Address: Social Security No.: Birth Date: City: State: Zip: Termination

More information

Models to Evaluate Lump Sum and Structured Settlements. Richard C. Hoyt, Ph.D. and Stewart C. Loper, JD 1

Models to Evaluate Lump Sum and Structured Settlements. Richard C. Hoyt, Ph.D. and Stewart C. Loper, JD 1 Models to Evaluate Lump Sum and Structured Settlements Richard C. Hoyt, Ph.D. and Stewart C. Loper, JD 1 Judgments and settlements in personal injury lawsuits typically require the payment of money from

More information

Understanding Structured Settlements

Understanding Structured Settlements ab Understanding Structured Settlements Table of Contents Financial Solutions for Unexpected Events...1 What Is a Structured Settlement? Flexible Payments...2 How Are Structured Settlements Funded?...3

More information

L I F E I N S U R A N C E P O R T F O L I O M A N A G E M E N T

L I F E I N S U R A N C E P O R T F O L I O M A N A G E M E N T L I F E I N S U R A N C E P O R T F O L I O M A N A G E M E N T Optimize Funding of Existing Refinance Existing HOW CAN YOUR PARTNERSHIP WITH SCHECHTER WEALTH BENEFIT YOUR CLIENTS? Schechter Wealth works

More information

SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS (Alternative to IRS Safe Harbor Notice - For Participant)

SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS (Alternative to IRS Safe Harbor Notice - For Participant) SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS (Alternative to IRS Safe Harbor Notice - For Participant) This notice explains how you can continue to defer federal income tax on your retirement plan savings

More information

Secondary Market Annuities Purchaser s Guide

Secondary Market Annuities Purchaser s Guide Secondary Market Annuities Purchaser s Guide Revised 03-02-2015 Secondary Market Annuities offer a simple and affordable way for buyers to meet financial goals, such as saving for retirement, a child s

More information

H.T. BAILEY INSURANCE GROUP 401(k) PLAN Case # 943-80987. ELECTION OF PAYMENT METHOD (Please Print Clearly)

H.T. BAILEY INSURANCE GROUP 401(k) PLAN Case # 943-80987. ELECTION OF PAYMENT METHOD (Please Print Clearly) H.T. BAILEY INSURANCE GROUP 401(k) PLAN Case # 943-80987 ELECTION OF PAYMENT METHOD (Please Print Clearly) PARTICIPANT NAME: DATE OF BIRTH: SOCIAL SECURITY NUMBER: DATE OF HIRE: DATE OF TERMINATION: DO

More information

R. GLEN WOODS Attorney at Law WOODS ERICKSON WHITAKER & MILES LLP 1349 Galleria Drive, Suite 200 Henderson, NV 89014 Telephone: 702.433.

R. GLEN WOODS Attorney at Law WOODS ERICKSON WHITAKER & MILES LLP 1349 Galleria Drive, Suite 200 Henderson, NV 89014 Telephone: 702.433. R. GLEN WOODS Attorney at Law WOODS ERICKSON WHITAKER & MILES LLP 1349 Galleria Drive, Suite 200 Henderson, NV 89014 Telephone: 702.433.9696 Professionals, investors and business owners are rightfully

More information

DUE CARE BULLETIN. Private Placement Insurance Products: An Exclusive and Flexible Opportunity for High Net Worth Clients

DUE CARE BULLETIN. Private Placement Insurance Products: An Exclusive and Flexible Opportunity for High Net Worth Clients Life insurance due care requires an understanding of the factors that impact policy performance and drive product selection. M Financial Group continues to lead the industry in life insurance due care

More information

PENNSYLVANIA STATE SYSTEM OF HIGHER EDUCATION ALTERNATIVE RETIREMENT PLAN SUMMARY PLAN DESCRIPTION

PENNSYLVANIA STATE SYSTEM OF HIGHER EDUCATION ALTERNATIVE RETIREMENT PLAN SUMMARY PLAN DESCRIPTION PENNSYLVANIA STATE SYSTEM OF HIGHER EDUCATION ALTERNATIVE RETIREMENT PLAN SUMMARY PLAN DESCRIPTION TABLE OF CONTENTS INTRODUCTION TO YOUR PLAN Article I. PARTICIPATION IN THE PLAN... 1 Am I eligible to

More information

BORGWARNER INC. RETIREMENT PLAN - CASH BALANCE COMPONENT SUMMARY PLAN DESCRIPTION

BORGWARNER INC. RETIREMENT PLAN - CASH BALANCE COMPONENT SUMMARY PLAN DESCRIPTION BORGWARNER INC. RETIREMENT PLAN - CASH BALANCE COMPONENT SUMMARY PLAN DESCRIPTION 2008 TABLE OF CONTENTS Page INTRODUCTION... 1 ELIGIBILITY TO PARTICIPATE... 2 Who is eligible to participate in the Plan?...

More information

SOUTHERN CALIFORNIA IBEW-NECA DEFINED CONTRIBUTION PLAN SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS

SOUTHERN CALIFORNIA IBEW-NECA DEFINED CONTRIBUTION PLAN SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS SOUTHERN CALIFORNIA IBEW-NECA DEFINED CONTRIBUTION PLAN SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS This notice explains how you can continue to defer federal income tax on your retirement savings in the

More information

Structured Attorney s Fees

Structured Attorney s Fees STRUCTURED SETTLEMENTS Structured Attorney s Fees Preparing for Your Financial Future 7/13 26169-13B Table of Contents Managing Your Retirement... 2 The Power of Tax Deferral... 3 Structured Attorney s

More information

FEE STRUCTURE PLUS. How can you maximize the value of your contingency fees?

FEE STRUCTURE PLUS. How can you maximize the value of your contingency fees? How can you maximize the value of your contingency fees? FEE STRUCTURE PLUS Defer Income and Taxation Earn Market-Related Returns on a Pre-Tax Basis Funds can be Managed by Your Financial Advisor or a

More information

Module 8: Reverse Mortgages and Other Private Financing Options for Long-Term Care. Posted 5/31/05

Module 8: Reverse Mortgages and Other Private Financing Options for Long-Term Care. Posted 5/31/05 Module 8: Reverse Mortgages and Other Private Financing Options for Long-Term Care Posted 5/31/05 Answers to Key Questions What LTC financing options are available other than insurance? What are the differences

More information

Fidelity Freedom Lifetime Income Annuity *

Fidelity Freedom Lifetime Income Annuity * Fidelity Freedom Lifetime Income Annuity * SECURE A STREAM OF INCOME 1 THAT S GUARANTEED 2 FOR LIFE. Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI) and, in

More information

C r a i l H u n t l y

C r a i l H u n t l y C r a i l H u n t l y The Structured Sale A Powerful Solution for Individuals Selling Real Estate or Businesses www.crailhuntly.com You have worked long and hard building your business and it s now time

More information

Date of Birth. Marital Status

Date of Birth. Marital Status First Western Advisors PARTICIPANT TERMINATION/ROLLOVER NOTIFICATION Submission of this form initiates the processing of distributions from a qualified plan. All items on the form must be completed for

More information

What is a Structured Settlement: WOODBRIDGE STRUCTURED FUNDING, LLC

What is a Structured Settlement: WOODBRIDGE STRUCTURED FUNDING, LLC 2014 What is a Structured Settlement: WOODBRIDGE STRUCTURED FUNDING, LLC STRAIGHT TALK ABOUT STRUCTURED SETTLEMENTS WOODBRIDGE STRUCTURED FUNDING, LLC Learn more about structured settlements: Why settled

More information

The Charitable Gift Annuity

The Charitable Gift Annuity The Charitable Gift Annuity A Gift that Gives Back What Is a Charitable Gift Annuity? The name says it all. It s both a charitable gift and an annuity. The donor contributes property to charity and receives

More information

Baird Short-Term Municipal Bond Fund. May 1, 2016. Trading Symbols: BTMSX Investor Class Shares BTMIX Institutional Class Shares

Baird Short-Term Municipal Bond Fund. May 1, 2016. Trading Symbols: BTMSX Investor Class Shares BTMIX Institutional Class Shares Baird Short-Term Municipal Bond Fund Trading Symbols: BTMSX Investor Class Shares BTMIX Institutional Class Shares Summary Prospectus May 1, 2016 View the following for this fund: Statutory Prospectus

More information

Self Invested Personal Pension

Self Invested Personal Pension Self Invested Personal Pension Product providers for financial advisors A simple guide to securing your future Who are we? Wealth Options Ltd. is a leading distributor of innovative products to the Irish

More information

EXPLANATION OF DIRECT ROLLOVER OPTION

EXPLANATION OF DIRECT ROLLOVER OPTION EXPLANATION OF DIRECT ROLLOVER OPTION You have the right to consider the decision whether or not to elect a direct rollover for at least 30 days after this Explanation is provided to you. This notice explains

More information

Chapter Two. Determinants of Interest Rates. McGraw-Hill /Irwin. Copyright 2001 by The McGraw-Hill Companies, Inc. All rights reserved.

Chapter Two. Determinants of Interest Rates. McGraw-Hill /Irwin. Copyright 2001 by The McGraw-Hill Companies, Inc. All rights reserved. Chapter Two Determinants of Interest Rates Interest Rate Fundamentals Nominal interest rates - the interest rate actually observed in financial markets directly affect the value (price) of most securities

More information

Bank Owned Life Insurance. Kirk A. Pelikan 414-223-2529 kapelikan@michaelbest.com

Bank Owned Life Insurance. Kirk A. Pelikan 414-223-2529 kapelikan@michaelbest.com Bank Owned Life Insurance Kirk A. Pelikan 414-223-2529 kapelikan@michaelbest.com BOLI: The Basics BOLI is a life insurance policy purchased by a bank to insure the life of a certain employee. Product has

More information

TOWN OF NATICK OBRA 457 DEFERRED COMPENSATION GOVERNMENTAL PLAN DISTRIBUTION FORM

TOWN OF NATICK OBRA 457 DEFERRED COMPENSATION GOVERNMENTAL PLAN DISTRIBUTION FORM TOWN OF NATICK OBRA 457 DEFERRED COMPENSATION GOVERNMENTAL PLAN DISTRIBUTION FORM PARTICIPANT/ ALTERNATE PAYEE INFORMATION DISTRIBUTION REASON PAYMENT METHOD SPOUSE S CONSENT TO DISTRIBUTION (not applicable

More information

Structured Settlements. February 10, 2014 Noah S. A. Schwartz, CSSC J. Douglas Merritt, CSSC Richard Montarbo (Legal) Jack Blyskal (Moderator)

Structured Settlements. February 10, 2014 Noah S. A. Schwartz, CSSC J. Douglas Merritt, CSSC Richard Montarbo (Legal) Jack Blyskal (Moderator) Structured Settlements Application in Liability and Workers Compensation February 10, 2014 Noah S. A. Schwartz, CSSC J. Douglas Merritt, CSSC Richard Montarbo (Legal) Jack Blyskal (Moderator) Today Review

More information

RETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT

RETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT RETIREMENT CHECKLIST MAKING THE MOST OF YOUR RETIREMENT This document has been prepared for use by RBC Dominion Securities Inc.* and RBC DS Financial Services Inc., (collectively, the Companies ). The

More information

A. TYPES OF PLAN DISTRIBUTIONS

A. TYPES OF PLAN DISTRIBUTIONS SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS 1 (Alternative to IRS Safe Harbor Notice - For Participant) This notice explains how you can continue to defer federal income tax on your retirement plan savings

More information

A. TYPES OF PLAN DISTRIBUTIONS

A. TYPES OF PLAN DISTRIBUTIONS SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS This notice explains how you can continue to defer federal income tax on your retirement plan savings in the Plan and contains important information you will

More information

with Asset Allocation

with Asset Allocation G REYCOURT M EMORANDUM P AGE 1 Greycourt White Paper White Paper No. 7 Combining Estate Planning with Asset Allocation Background Although estate planning has long played a critical role in preserving

More information

SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS

SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS SPECIAL TAX NOTICE REGARDING PLAN PAYMENTS This notice explains how you can continue to defer federal income tax on your retirement savings and contains important information you will need before you decide

More information

2. The following is substituted for the answer to the question How do I apply for a loan? in the Section entitled Loans:

2. The following is substituted for the answer to the question How do I apply for a loan? in the Section entitled Loans: TO OUR EMPLOYEES: We wish to announce that the Mission Health System Employee Retirement Plan ( Plan ) has been amended, effective June 1, 2015, to change the automatic form of benefit. Therefore, in order

More information

Mailing Address: Des Moines, IA 50392-0001

Mailing Address: Des Moines, IA 50392-0001 Mailing Address: Des Moines, IA 50392-0001 Principal Life Insurance Company Complete this form to withdraw part of the retirement account in cash while still employed. Participant/Spouse complete Sections

More information

Imperial Holdings, Inc.

Imperial Holdings, Inc. Imperial Holdings, Inc. NYSE: IFT July 2011 1 Legal Disclaimer Neither Imperial Holdings, Inc. ( Imperial ) nor its affiliates ( the Company ) make any representations or warranties, express or implied,

More information

How To Get A Structured Settlement Attorney S Fee Annuity

How To Get A Structured Settlement Attorney S Fee Annuity STRUCTURED SETTLEMENTS Structured Attorney s Fees Preparing for Your Financial Future 1/13 26169-13A Table of Contents Planning for the Future by Structuring the Attorney s Fee... 1 Managing Your Retirement...

More information

FIXED INCOME. Consistent Revenue A WIDER VIEW TM

FIXED INCOME. Consistent Revenue A WIDER VIEW TM FIXED INCOME Consistent Revenue A WIDER VIEW TM It s time for A WIDER VIEW. TM It s the view that says stocks, bonds, mutual funds, annuities, life insurance, every type of investment has to make a contribution

More information

Choosing tax-efficient investments

Choosing tax-efficient investments Choosing tax-efficient investments Managing your portfolio to help control your tax bill Investors need to consider many factors in the process of choosing investments. One at the top of many investors

More information

Investing In Life Settlements

Investing In Life Settlements Investing In Life Settlements What are Life Settlements? A life settlement is simply the purchase of an existing life insurance policy at a discount to its full face amount. The price of the policy is

More information

APPENDIX C REPORT TO JUDGE PRESSLER RE PREJUDGMENT INTEREST Prejudgment Interest Should Not Be Allowed for Future Lost Wages or Future Medical Expenses The Supreme Court asked the Civil Practice

More information

Structured Settlements

Structured Settlements Structured Settlements Flexible solutions for physically injured parties Meeting financial needs with structured payments. Structured settlements can be used to effectively resolve physical injury claims

More information

Trust Estate Settlement Process

Trust Estate Settlement Process Trust Estate Settlement Process Settlement of a trust estate involves the process necessary to transfer asset ownership from the deceased person s trust to the parties entitled to receive the assets, according

More information

HARDSHIP WITHDRAWAL ELECTION. To the Plan Administrator of., Participant.

HARDSHIP WITHDRAWAL ELECTION. To the Plan Administrator of., Participant. HARDSHIP WITHDRAWAL ELECTION To the Plan Administrator of Re: ( Plan ):, Participant. 1. Withdrawal Election. As permitted by the Plan, I elect to withdraw the following portion of my Vested Account Balance

More information

Plan for the Retirement You Want

Plan for the Retirement You Want Plan for the Retirement You Want Retirees share their lessons learned. RETIREMENT Presented by: Louis A. Falvo, Vice President, Financial Advisor Tel: (585-899-2664) Toll Free: (866-350-6268) Email: louis_falvo@ml.com

More information

advisory & Brokerage consulting services Make Your Retirement Savings Last a Lifetime

advisory & Brokerage consulting services Make Your Retirement Savings Last a Lifetime advisory & Brokerage consulting services Make Your Retirement Savings Last a Lifetime Member FINRA/SIPC ADVISORY & Brokerage consulting SERVICES Three Things to Consider When Planning for Retirement Today,

More information

Learn More About Structured Settlements

Learn More About Structured Settlements Learn More About Structured Settlements For over 25 years, the federal government has recognized and encouraged the use of structured settlements in personal injury cases. Structured settlements have also

More information

The benefits for different clients

The benefits for different clients For financial intermediaries only. Not approved for use with customers. Guaranteed Income for Life Solutions The benefits for different clients The pension reforms have prompted numerous discussions about

More information

Investor Protection for your Standard Life product

Investor Protection for your Standard Life product Investor Protection for your Standard Life product This guide explains how the Financial Services Compensation Scheme (FSCS) works in relation to Standard Life This guide explains how the UK Financial

More information

Learning Objectives 26. What Is Insurance? 3. Coverage Concepts 8. Types of Insurance 10. Types of Insurers 11. Introduction 26

Learning Objectives 26. What Is Insurance? 3. Coverage Concepts 8. Types of Insurance 10. Types of Insurers 11. Introduction 26 Contents u n i t 1 Introduction to Insurance 1 Introduction 2 Learning Objectives 2 What Is Insurance? 3 Risk 4 Coverage Concepts 8 Types of Insurance 10 Types of Insurers 11 Domicile and Authorization

More information

Structured Attorney s Fees

Structured Attorney s Fees STRUCTURED SETTLEMENTS Structured Attorney s Fees Preparing for Your Financial Future 6/15 26169-15A Table of Contents Managing Your Retirement... 2 The Power of Tax Deferral... 3 Structured Attorney s

More information

A New Look at Cash Value as an Asset

A New Look at Cash Value as an Asset A New Look at Cash Value as an Asset Brought to you by: Pinney Insurance Center, Inc. 2266 Lava Ridge Court Roseville, CA 95661 www.pinneyinsurance.com Cash Value Life Insurance Advantages of cash value

More information

You and Your SEVERANCE: Mackenzie Tax & Estate Planning

You and Your SEVERANCE: Mackenzie Tax & Estate Planning You and Your SEVERANCE: PUT YOUR MONEY TO WORK Mackenzie Tax & Estate Planning 1 2 Are you facing a change in your employment? Severance, early retirement, extended layoff? Transitions like these can be

More information

advance wealth transfer single premium whole life insurance TM

advance wealth transfer single premium whole life insurance TM PRODUCT GUIDE advance wealth transfer single premium whole life insurance TM The SOLUTION Before life presents the problem. AW242C Rev.11-2012 OLIC 2012 Oxford Life Advance Wealth Transfer A Single-Premium

More information

The. Estate Planner. Should your life insurance be in an FLP? Special needs require a special needs trust. An estate planning strategy for your heirs

The. Estate Planner. Should your life insurance be in an FLP? Special needs require a special needs trust. An estate planning strategy for your heirs The Estate Planner July/August 2008 Should your life insurance be in an FLP? Special needs require a special needs trust The inheritor s trust An estate planning strategy for your heirs Estate Planning

More information

Cooper vs. IBM Subclass 1 and 2 Settlement Frequently Asked Questions

Cooper vs. IBM Subclass 1 and 2 Settlement Frequently Asked Questions The following Qs&As have been jointly prepared by the Plan and Class Counsel to provide summary information about the 46-page Settlement Agreement. This summary information does not discuss a number of

More information

Planned Giving Primer

Planned Giving Primer Planned Giving Primer What is Planned Giving? The integration of personal, financial, and estate planning goals with a person s goals for lifetime or testamentary charitable giving. An opportunity for

More information

Robert W. Wood, J.D. Wood & Porter San Francisco, CA. For more information about this article, contact Mr. Wood at wood@woodporter.com.

Robert W. Wood, J.D. Wood & Porter San Francisco, CA. For more information about this article, contact Mr. Wood at wood@woodporter.com. The Advantages of Selling Appreciated Assets via a Structured Sale A structured sale is a type of installment sale that provides the seller with a guaranteed payment stream from an assignment company.

More information

What is a Structured Settlement? Straight talk about structured settlements

What is a Structured Settlement? Straight talk about structured settlements Woodbridge Structured Funding LLC What is a Structured Settlement? Straight talk about structured settlements Learn more about structured settlements: Why settled personal injury cases are often paid out

More information

Your pension benefit options

Your pension benefit options 2 Your pension benefit options Traditional pension plans generally provide the option of a lump-sum payment or a fixed monthly payment for life through an annuity. The fixed monthly payment amount is usually

More information

Gifts to the Foundation or Endowed Gifts Help ensure that the residents of St. Mary s Home will continue

Gifts to the Foundation or Endowed Gifts Help ensure that the residents of St. Mary s Home will continue Gifts to the Foundation or Endowed Gifts Help ensure that the residents of will continue to receive the comprehensive care they need, long into the future. Your gift to either Foundation or an endowed

More information

General Motors Bondholders Frequently Asked Questions

General Motors Bondholders Frequently Asked Questions General Motors Bondholders Frequently Asked Questions Q: What is Wilmington Trust s role? A: Wilmington Trust is the successor Indenture Trustee to Citibank NA under two separate Indenture agreements with

More information

> The Role of Insurance in Wealth Planning

> The Role of Insurance in Wealth Planning > The Role of Insurance in Wealth Planning Insurance solutions for planned giving A S S A N T E E S T A T E A N D I N S U R A N C E S E R V I C E S I N C. Insurance solutions for planned giving Charitable

More information

Private Placement Insurance Products AN EXCLUSIVE AND FLEXIBLE OPPORTUNITY FOR THE AFFLUENT

Private Placement Insurance Products AN EXCLUSIVE AND FLEXIBLE OPPORTUNITY FOR THE AFFLUENT Executive Summary Private placement insurance products occupy a unique place in the spectrum of financial products. While having the same tax benefits, private placement insurance products offer policy

More information

For educational use by Illinois State University students only, do not redistribute - 71 -

For educational use by Illinois State University students only, do not redistribute - 71 - Valuation of life annuities A life annuity is a financial contract in the form of an insurance policy in which a seller (issuer), a life insurance company, makes a series of future payments to a buyer

More information

HILDA & JOHN ENHANCED ANNUITIES

HILDA & JOHN ENHANCED ANNUITIES HILDA & JOHN ENHANCED ANNUITIES 20 July 2015 OBJECTIVES 1. John would like to secure a known income stream so Hilda can live a bit better should he die in the next few years 2. Ensure you don t have to

More information

Exit Strategy. for. Annuities ANNUITY LIQUIDITY PROGRAM ANNUITY LIQUIDITY OPTIONS TM

Exit Strategy. for. Annuities ANNUITY LIQUIDITY PROGRAM ANNUITY LIQUIDITY OPTIONS TM An Exit Strategy for Annuities The Annuity Liquidity Program Stone Street Capital s Annuity Liquidity Program allows for an exit strategy for annuities. This program allows your clients to access funds

More information

Caution: Withdrawals made prior to age 59 ½ may be subject to a 10 percent federal penalty tax.

Caution: Withdrawals made prior to age 59 ½ may be subject to a 10 percent federal penalty tax. Annuity Distributions What are annuity distributions? How are annuity distributions made? How are your annuity payouts computed if you elect to annuitize? Who are the parties to an annuity contract? How

More information

C I T Y OF N E W. Board of Education Retirement System EARLY RETIREMENT LOAN PROGRAM

C I T Y OF N E W. Board of Education Retirement System EARLY RETIREMENT LOAN PROGRAM BOARD OF EDVCATION C I T Y OF N E W Board of Education Retirement System EARLY RETIREMENT LOAN PROGRAM YORK Board of Education Retirement System Members of the Board of Education Retirement System (BERS)

More information

Case: 3:09-cv-00413-wmc Document #: 877-1 Filed: 02/13/14 Page 1 of 8 PLAN OF ALLOCATION

Case: 3:09-cv-00413-wmc Document #: 877-1 Filed: 02/13/14 Page 1 of 8 PLAN OF ALLOCATION Case: 3:09-cv-00413-wmc Document #: 877-1 Filed: 02/13/14 Page 1 of 8 PLAN OF ALLOCATION I. Plan of Allocation to the Class 1. The Class Cash Settlement Fund. The Gross Class Cash Settlement Fund will

More information