Money 101 and Telluride CO!

Hello all!  I just returned from an amazing long spring weekend in Telluride CO.  The snow was melting a lot.  We didnt ski but we went on two beautiful hikes.  The temp was as high as 69 degrees one day in the shade.  It was my second trip to Telluride.  Next trip we are going to go in the summer to see what its like then.  When we left yesterday it was 30 degrees, drove thru Phoenix and Yuma at 95 and then hit El Centro at 100 at 5pm to Encinitas at a mere 65 degrees, amazing day of driving!  Have a great day, week and Happy early Easter!

Here's the schedule for Money 101 in April.  I hope to see you there!  Remember its always free dinner or lunch on me!  Please RSVP to me

:-)

www.fiveringseducation.com

Monday, April 20

6:30pm

 CA Temecula Money 101

6:30pm

 AZ MESA MONEY 101 w/Lyall Donnelly

Tuesday, April 21

5:30pm

 CA San Marcos Wine, Women & Wealth

Wednesday, April 22

12:00pm

 CA San Marcos Lunch Express Money 101

Would you rather pay tax on the seed or the harvest?

If you were a farmer, would you rather be taxed on the seed or the harvest?

When you save on a before tax basis, such as a Traditional IRA, your contributions are tax deductible. The trade off is all income received is taxed as ordinary income. If you make a withdrawal prior to age 59½ you may incur an additional 10% penalty. This leaves you exposed to potentially higher future tax rates.

If you believe taxes are going up this could be devastating to your retirement income. In this example, you are taxed on the harvest. On the tax-free side, in our example of a Roth IRA, the contributions, i.e., (the seeds), are taxed before they are deposited and both the contributions and earnings may be tax-exempt³, thereby insulating you from possible future tax rate increases.

http://anallianceforlife.com/retirement/tax-free-retirement/

www.KatherineZacharias.com

Section 79 plans

Section 79 plans offer employers an opportunity to purchase life insurance for their employees on a tax-advantaged basis. These types of plans can offer several advantages:

•	Tax-advantaged life insurance for key employees' personal or business needs
•	Executive only taxed on a portion of the employer contribution (generally 60-65%)
•	Income tax deduction at the corporate level
•	May allow high percentage of plan cost allocated to key employees
•	May provide supplementary retirement income through policy loans and withdrawals1
•	Helps attract and retain key employees
•	Offers a limited funding commitment
•	Accelerated Benefit Riders available in the event of a terminal, chronic or critical illness

Money-101-In-March-Starts-TODAY! RSVP To me for free lunch or dinner!

http://myemail.constantcontact.com/Money-101-In-March-Starts-TONIGHT-.html?soid=1103559743440&aid=zP4OSHkbX8o

Section 79 plans, great for employers!

Section 79 plans offer employers an opportunity to purchase life insurance for their employees on a tax-advantaged basis. These types of plans can offer several advantages:

•	Tax-advantaged life insurance for key employees' personal or business needs
•	Executive only taxed on a portion of the employer contribution (generally 60-65%)
•	Income tax deduction at the corporate level
•	May allow high percentage of plan cost allocated to key employees
•	May provide supplementary retirement income through policy loans and withdrawals1
•	Helps attract and retain key employees
•	Offers a limited funding commitment
•	Accelerated Benefit Riders available in the event of a terminal, chronic or critical illness

www.KatherineZacharias.com

Be my guest to Money 101 in March!

We go to school for 12 to 16 years and learn reading, writing, and 'rithmetic, but we never learn How Money Works! We're inviting you to a FREE workshop. This isn't a sales seminar, it's an educational setting. Bring your notepad, grab a bite to eat, and listen to the fundamental principles of money. Learn how to GROW and PROTECT your money for college tuition, retirement planning, or simply wealth accumulation - with money you never knew you had.  View our California event calendar here.