The Anti-Annuity™

Warning: Reading this may save your family a lot of taxes!

©American Tax & Annuity Advisors

1-800-254-9567

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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OUR EXPERTS

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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.

Phil Wasserman, JD

• 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.

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Knowing the tax code helps you save your money!

Is your existing advisor well versed in the tax code? Most aren’t!

Watch our partner Alan Haft on Fox News – He’s a

regular Commentator!

Alan is a financial columnist for the American Institute of Certified Public

Accountants (AIPCA)

He is the best selling author of The 10 Most Common Mistakes People Make With Their Money and You

Can Never Be Too Rich.

KEN & PHIL KNOW THE TAX CODE

WHAT IS THE ANTI-ANNUITY™?

It’s Single Premium Indexed Universal Life.

(SPIUL)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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Single Premium Indexed Universal Life 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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Single Premium Indexed Universal Life. (SPIUL)

Your money can grow, but never go down.

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The Anti-Annuity ™

THE MOST POWERFUL TAX FIGHTING VEHICLE SINCE THE BOSTON TEA PARTY!

Liquid - No Surrender Penalties

Growth - Tax-FreeLong Term Care &Home Health Care

Quick, Easy, and Painless98% of people are accepted

No PhysicalNo Medical Exams

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Questions you may have?

Am I too old?– Single Premium Indexed Universal Life is issued up

to age 85.

Do I get access to my money?– With SPIUL you do have access to your money

without any penalty.

What if I don’t like life insurance?– Traditional life insurance is an expense, SPIUL is an

asset transfer into a tax-free wrapper with an increase in tax-free death benefit.

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The Anti-Annuity™ (SPIUL) has 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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First Use:

Creating Future Discounted Dollars With

SPIUL

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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!15

With the Anti-Annuity™ all you’re doing is simply creating

discounted tax-free dollars for your loved ones.

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Second Use:

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Annuities

FACTS

There are three things that can happen to your annuity 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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Unused Annuities (without SPIUL)

Example 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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Example 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.

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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Do You Own An Annuity You Aren't Using?…MEET YOUR BENEFICIARY

80% OF ALL ANNUITIES ARE NEVER USED.

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How Much Will Your Family Pay?

Internal Revenue Service

Your Family

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All Profits & Death Benefit of an Annuity are subject to Ordinary

Income Tax. (Unless in a Roth IRA)

Remember…

DON’T DIE WITH AN ANNUITY!

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Using SPIUL for 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 $122,70125

Using SPIUL for 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! 26

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?

– Single Premium Indexed Universal Life products are indexed to the S&P 500 for growth opportunities.

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Third Use:DEFERRED RETIREMENT ACCOUNTS

IRA’s

401K’s

403B’s

457’s

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RMD – Required Minimum Distribution

At 70 ½ you have to take your RMD

As you get older your RMD will 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.

This results in more taxes and less money to leave to your heirs

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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$500,000Qualified Money

Rollover (No Tax Event)

Anti-Annuity™

(SPIUL)

Using SPIUL with your Deferred Retirement Account

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SPIA

Single Premium

Immediate Annuity

$750,000 Life Insurance in

effect immediately 1099

$55,000 A year for 10 years.

SPIAFunds the Life

Insurance policy

over 10 years

Cash Value of Insurance Policy can be used to help pay the taxes.

$55,000 Counts as your RMD.

Using SPIUL for IRA’s

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 rolling over his IRA into SPIUL, he was able to purchase discounted dollars and leave his wife.

$750,000 Guaranteed Tax-Free!34

Using SPIUL for IRA’s

John is 69 and has an IRA worth $672,000 that he doesn’t want or need.

He rollovers his IRA into Single Premium Indexed Universal Life, and is able to provide -

$922,000 Tax-Free to his spouse and children

With no out of pocket money for taxes.

IRA 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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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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Let us show you how you the Anti-Annuity™ (SPIUL) can save your family thousands of dollars in taxes.

A WISE SAYING

“Not taking action is often more costly than taking action.”

TAKE ACTION NOW!

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Schedule a meeting with the Kings of Retirement Planning

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Disclaimer:This booklet does not give individual tax

advice and its purpose is to educate. None of the examples in the booklet should be used for your personal planning. The products and ideas referenced in thisbooklet may not be available in: all states, all ages and all scenarios.