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Qualified
Money Conversion Program
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If you already have an
existing retirement or pension plan, IRA, IRA rollover, beneficiary IRA, or an
over-funded defined benefit plan, a qualified money conversion strategy should
be considered. Qualified funds are subject to both income and estate taxes.
Consequently, they are worth only 25 cents on the dollar, assuming estate taxes
of 28% to 45%. Pension Professionals, Inc. can offer strategies for converting
these qualified funds to give you 90 cents to ten times the dollar, access to
substantial tax-free withdrawals, while excluding these amounts from his/her
estate.
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Client Profile
Qualified Money $1,000,000
Net Worth 5 Million+
Realizes the Million is worth $600,000 in his/her hands
And $300,000 to his/her heirs
May want some cash flow but doesn't need or want the money
Wants to reduce Required Minimum Distributions RMDs
May be adverse to leverage
Must have an active trade or business
May want guaranteed death benefit or wealth transfer amounts
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$1,000,000
Qualified Money ConversionsT Program Value Information
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Age 55
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Age 65
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Age 75
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Age 85
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Low Value at Age 90
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$5,000,000
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$2,300,000
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$1,400,000
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$500,000
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High Value at Age 90
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$18,800,000
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$8,000,000
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$4,100,000
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$1,550,000
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Wealth Multiplier Range
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4 to 17 Times
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4 to 14 Times
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4 to 12 Times
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2 to 5 Times
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| $1,000,000 Qualified Money ConversionsT Program
Value Information
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Withdrawal Value
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$600,000
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$600,000
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$600,000
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$600,000
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Value to Heirs - Now
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$340,613
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$340,613
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$325,739
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$317,599
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Value to Heirs - Age 90
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$1,133,556
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$576,242
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$344,642
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$302,257
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Tax Cost to client utilizing Rev Rul 2005-25 Safe Harbor PERC Values:
Approximately $250,000 to $60,000 could even be less!
For a Free Analysis of your IRA or QRP status
Complete and Submit the following
Stretch IRA Client Data Form today (Or, print, complete,
and Fax us this form)
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