Wednesday, December 21, 2016
CaliforniaChoice Cost Control
CaliforniaChoice gives you the power to choose how much to contribute to your employees health plan
Wednesday, December 14, 2016
Covered CA Deadline extended!
http://news.coveredca.com/2016/12/covered-california-extends-enrollment.html
Saturday, December 10, 2016
Thursday, December 8, 2016
You're invited to a virtual Money 101!
Most of us attended school for more than a decade to learn about reading, writing and 'rithmetic - but we never learn about our finances! Five Rings Financial was founded on the belief that Middle Americans should be provided with a sound education on how money works, and this exciting, innovative event proudly drives that tradition forward.
Click here to register!
Explore how to grow and protect your money for college funding, retirement planning or simply wealth accumulation...with money you never knew you had! Learn while enjoying a bite to eat and friendly company.
Our goal is to empower and educate people about wealth management and financial strategy through fun, free workshops. Learn better money management techniques by attending a Money 101 workshop that works for your schedule.
Explore how to grow and protect your money for college funding, retirement planning or simply wealth accumulation...with money you never knew you had! Learn while enjoying a bite to eat and friendly company.
Our goal is to empower and educate people about wealth management and financial strategy through fun, free workshops. Learn better money management techniques by attending a Money 101 workshop that works for your schedule.
Friday, November 11, 2016
Tuesday, October 25, 2016
The Benefits of an Annuity
An annuity can offer benefits such as:
- Tax-deferred growth.
- No required distributions at age 70½. This means that your money can continue to grow tax-deferred over a longer period of time.
- Control over when you pay taxes by timing distributions.
- Unlimited contributions.
- Option of guaranteed income for life.
- Guaranteed fixed rate of return for a fixed annuity.
- A death benefit that passes account value to beneficiaries, which may avoid probate, but is not tax-free
Friday, October 21, 2016
Wednesday, October 12, 2016
Friday, October 7, 2016
Be my guest to Money 101 in TX!!!
You are invited to attend
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Our upcoming Money 101 Classes in the DFW Metroplex.
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We go to school for 12 to 16 years to learn reading, writing and arithmetic; but never learn about "How Money Works"!
You're invited to a FREE workshop. This is not a sales seminar, but 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 retirement planning, college funding or simply wealth accumulation - with money you never knew you had. To reserve your seat, please RSVP ASAP by responding to host Jack Waldron at jack@fiveringsfinancial.com |
When & Where
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UPCOMING MONEY 101 CLASSES:
MONDAY, OCTOBER 17TH, 2016
DALLAS AREA MONEY 101
Blue Mesa Grill
8200 Dallas Parkway, Plano TX 75024
From 6:15 to 8 pm
TUESDAY, OCTOBER 18TH, 2016
FORT WORTH AREA MONEY 101
Pappasito's Cantina
2704 West Fwy, Fort Worth TX 76102
From 6:15 to 8 pm
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Thursday, September 15, 2016
Tuesday, September 6, 2016
Monday, August 22, 2016
Thursday, August 18, 2016
This is why I love what I do helping people!
And I'm only one of 1% of the agents in the country allowed to offer this to clients. Sleep well all!
Tuesday, August 16, 2016
Monday, August 15, 2016
Thursday, August 11, 2016
Do you want to pay taxes on the seeds or the corn?
Pay for the Seed, or Pay for the Harvest?
A farmer has to decide if he wants to pay taxes on the seed when he plants his crop or on the crop when he harvests it in the fall? What would you do?
If he buys $1000 worth of seed and is taxed at 8%, he'd pay $80 in taxes. He then harvests the $50,000 crop and pays no more taxes since he already paid them. Conversely, if he chose not to pay tax on the seed, he'd pay 8% on the harvest or $4,000 ($50,000 X 8%)! What do you want to pay, $80 now or $4,000 later?
Relate this to retirement decisions: If you invest $6,000 in a tax deductible plan and are in the 33% tax bracket, you'd save about $2,000 in taxes in that tax year. If that $6,000 was in an investment for 40 years it could grow to $100,000 because of compound interest. The taxes when you take the money out are $33,000 (33% of $100,000)! That is $33,000 on the harvest (on your investment). This is because the government wants its share of money you earned with previously untaxed funds.
If you had invested the $6,000 in a tax free plan with us, you would have $100,000 TAX FREE since you paid taxes on the "seed"! Your choice is...pay $2,000 in taxes now or $33,000 later when you really need the money? It is as simple as seeds and harvest! Get educated about money and sow the seeds of financial freedom, NOW!
E-mail me at katherine@fiveringsfinancial.com to learn more about our free financial education seminars
Monday, August 8, 2016
Thursday, August 4, 2016
Thursday, July 28, 2016
Thursday, July 7, 2016
Wednesday, July 6, 2016
You're invited to be my guest to Money 101 in Dallas TX!
Our upcoming Money 101 Classes in the DFW Metroplex.
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We go to school for 12 to 16 years to learn reading, writing and arithmetic; but never learn about "How Money Works"!
You're invited to a FREE workshop. This is not a sales seminar, but 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 retirement planning, college funding or simply wealth accumulation - with money you never knew you had. To reserve your seat, please RSVP ASAP by responding to host Jack Waldron at jack@fiveringsfinancial.com & katherine@fiveringsfinancial.com |
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When & Where
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UPCOMING MONEY 101 CLASSES:
TUESDAY, JULY 12TH, 2016
PLANO / DALLAS AREA MONEY 101
Blue Mesa Grill
8200 Dallas Parkway, Plano TX 75024
From 6:15 to 8 pm
WEDNESDAY, JULY 13TH, 2016
SOUTHLAKE / FORT WORTH AREA MONEY 101
DeVivo Brothers Latin Fusion
2777 E Southlake Blvd #100, Southlake TX 76092
From 6:15 to 8 pm
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Thursday, June 23, 2016
Monday, June 20, 2016
Tuesday, June 14, 2016
Youre cordially invited to be my guest!
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You are cordially invited to be my guest!
You are invited to attend
Our upcoming Money 101 Classes in the DFW Metroplex.
We go to school for 12 to 16 years to learn reading, writing and arithmetic; but never learn about "How Money Works"!
You're invited to a FREE workshop. This is not a sales seminar, but 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 retirement planning, college funding or simply wealth accumulation - with money you never knew you had.
To reserve your seat, please RSVP ASAP by responding to host Jack Waldron at jack@fiveringsfinancial.com
and katherine@fiveringsfinancial.com
When & Where
UPCOMING MONEY 101 CLASSES:
MONDAY, JUNE 20TH, 2016
PLANO / DALLAS AREA MONEY 101
Blue Mesa Grill
8200 Dallas Parkway, Plano TX 75024
From 6:15 to 8 pm
WEDNESDAY, JUNE 22ND, 2016
SOUTHLAKE / FORT WORTH AREA MONEY 101
DeVivo Brothers Latin Fusion
2777 E Southlake Blvd #100, Southlake TX 76092
From 6:15 to 8 pm
Our upcoming Money 101 Classes in the DFW Metroplex.
We go to school for 12 to 16 years to learn reading, writing and arithmetic; but never learn about "How Money Works"!
You're invited to a FREE workshop. This is not a sales seminar, but 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 retirement planning, college funding or simply wealth accumulation - with money you never knew you had.
To reserve your seat, please RSVP ASAP by responding to host Jack Waldron at jack@fiveringsfinancial.com
and katherine@fiveringsfinancial.com
When & Where
UPCOMING MONEY 101 CLASSES:
MONDAY, JUNE 20TH, 2016
PLANO / DALLAS AREA MONEY 101
Blue Mesa Grill
8200 Dallas Parkway, Plano TX 75024
From 6:15 to 8 pm
WEDNESDAY, JUNE 22ND, 2016
SOUTHLAKE / FORT WORTH AREA MONEY 101
DeVivo Brothers Latin Fusion
2777 E Southlake Blvd #100, Southlake TX 76092
From 6:15 to 8 pm
Monday, June 13, 2016
How Jason Battled Cancer And Still Paid The Bills
Jason Mendelsohn was a young professional who had it all - a booming family business, a beautiful wife, healthy kids, and he was in the best shape of his life... until he was diagnosed with stage four cancer. Tune in to hear how Disability Income Insurance allowed him to focus on defeating cancer instead of worrying about his family's finances.
Quote of the Month:
"Life is either a daring adventure, or it is nothing at all."
--Helen Keller
Monday, June 6, 2016
Advantages of Annuities
Advantages of Annuities
Annuities are among the most unique types of investments available, and there are many reasons why investors look to them as a key retirement savings vehicle. Some of the key benefits provided by annuities are:
Tax Deferral – Annuities stand alone as the only investment that is inherently accorded tax-deferred status. All money invested into annuities of any kind grows tax-deferred until it is withdrawn. Annuities have no limit on the amount of money that can be placed into them, and there are also no income phase out schedules that apply to contract owners or annuitants. This gives them a substantial advantage over Individual Retirement Accounts (IRAs) and qualified plans for wealthy investors who can shelter millions of dollars from taxation inside these contracts.
Guaranteed Payout – Annuitants that choose any type of life payout option can rest assured that they will receive some sort of payment until they die, even if they completely exhaust the value of the contract beforehand.
Protection from Probate and Creditors – Annuity contracts are generally exempt from creditors in most cases and are unconditionally exempt from probate proceedings nationwide. Exemption from creditors can vary somewhat from one state to another; for more information on this matter, call your state insurance commissioner.
Exemption from FAFSA Asset Status – Parents and students who apply for financial aid do not have to list any annuity contracts that they own as assets on the Free Application Of Student Aid (FAFSA) form. This can obviously make a huge difference in the amount and terms of loans and grants that the student is eligible to receive.
Read more: Introduction To Annuities: Advantages And Disadvantages | Investopedia http://www.investopedia.com/university/annuities/annuities2.asp#ixzz4Ar4poU82
Follow us: Investopedia on Facebook
Annuities are among the most unique types of investments available, and there are many reasons why investors look to them as a key retirement savings vehicle. Some of the key benefits provided by annuities are:
Tax Deferral – Annuities stand alone as the only investment that is inherently accorded tax-deferred status. All money invested into annuities of any kind grows tax-deferred until it is withdrawn. Annuities have no limit on the amount of money that can be placed into them, and there are also no income phase out schedules that apply to contract owners or annuitants. This gives them a substantial advantage over Individual Retirement Accounts (IRAs) and qualified plans for wealthy investors who can shelter millions of dollars from taxation inside these contracts.
Guaranteed Payout – Annuitants that choose any type of life payout option can rest assured that they will receive some sort of payment until they die, even if they completely exhaust the value of the contract beforehand.
Protection from Probate and Creditors – Annuity contracts are generally exempt from creditors in most cases and are unconditionally exempt from probate proceedings nationwide. Exemption from creditors can vary somewhat from one state to another; for more information on this matter, call your state insurance commissioner.
Exemption from FAFSA Asset Status – Parents and students who apply for financial aid do not have to list any annuity contracts that they own as assets on the Free Application Of Student Aid (FAFSA) form. This can obviously make a huge difference in the amount and terms of loans and grants that the student is eligible to receive.
Read more: Introduction To Annuities: Advantages And Disadvantages | Investopedia http://www.investopedia.com/university/annuities/annuities2.asp#ixzz4Ar4poU82
Follow us: Investopedia on Facebook
Wednesday, June 1, 2016
Who should do #FinancialPlanning, #mom or #dad?
Who should do #FinancialPlanning, #mom or #dad? Both, and here's why:
http://realwealthmedia.com/NAIFA
Friday, May 27, 2016
Thursday, May 19, 2016
Monday, May 2, 2016
Monday, April 25, 2016
Friday, April 22, 2016
Monday, April 18, 2016
Monday, April 11, 2016
Thursday, April 7, 2016
If you need help avoiding taxes legally please let me know! I'm happy to help! Have a great day!
FOREIGN NATIONAL PLANNING: FOUR THINGS THAT MATTER
http://marketing.cpsinsurance.com/cpsimis/top-news/4-things-matter/
If you live here nothing is safe! A resident alien (RA) is a foreign national whose domicile is in the United States. That often means they have a Green Card. If a RA dies here then everything that he or she owns anywhere in the world is subject to Federal Estate Tax. It may be that death taxes paid on property in another country generate a credit against the U.S. tax, but maybe not.
If you live here, the unlimited marital deduction (UMD) is not automatic! If a deceased RA, or a U.S. citizen, leaves property to a RA surviving spouse there is no UMD available unless the property is left in a qualified domestic trust (QDOT). Long story short: 1) the QDOT can be established up until the time an estate tax return is due; 2) among other things the trustee must be a U.S. citizen; 3) property passed to the trust can qualify for the UMD; 4) distributions over the trust income or not for hardship expenses are estate taxable; 5) the remainder is subject to estate tax at the eventual death of the spouse.
Tuesday, March 29, 2016
Monday, March 28, 2016
Thursday, March 24, 2016
HealthCare.gov Logged 316 Cybersecurity Incidents, GAO Says - InsuranceNewsNet
HealthCare.gov Logged 316 Cybersecurity Incidents, GAO Says - InsuranceNewsNet: The web portal used by millions of consumers to get health insurance under the Affordable Care Act has logged more than 300 cybersecurity incidents and remains vulnerable to hackers, the Government Accountability Office said.
Thursday, March 10, 2016
Be my guest for a free webinar!
I Host Live Dinner Money 101 Workshops around the US in Neighborhoods near you.
I also Host Virtual Money 101 Workshops Weekly.
Whether you prefer to join us for dinner, or jump online… I think you deserve to learn this information!
You are Personally Invited to our Complimentary Video Workshop called “Money 101 Express”
Co-Hosted by Katherine Wichmann Zacharias and Andre Simoneau
We all go to school for 12 to 16 years to learn reading, writing, and arithmetic, and Most of us are Never taught How Money Works!
This educational workshop designed to help you with ideas to grow and protect your money for:
• College funding
• Retirement planning
• Tax reduction and
• Simple wealth accumulation…
Sometimes with money you didn't know you had!
Bring your notepad, Enjoy our Education and listen to these fundamental principles of money.
March 16, 2016- 4pm PT
Click on this link 3-7 minutes before the meeting. https://zoom.us/j/3035797227
Wednesday, March 2, 2016
Monday, February 22, 2016
Thursday, February 18, 2016
Tuesday, February 16, 2016
Be my guest in TX!
You are invited to attend
Our Money 101 and Wine, Women and Wealth Workshops in the DFW Metroplex.
We go to school for 12 to 16 years to learn reading, writing and arithmetic; but never learn about "How Money Works"!
You're invited to a FREE workshop. This is not a sales seminar, but 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 retirement planning, college funding or simply wealth accumulation - with money you never knew you had.
We look forward to seeing you there. Feel free to bring a friend. You're our guest!
Please RSVP ASAP by responding to host Jack Waldron at jack@fiveringsfinancial.com
When & Where
UPCOMING MONEY 101 CLASSES:
MONDAY, FEBRUARY 29TH, 2016
FORT WORTH AREA MONEY 101
Logan's Roadhouse
948 NE Loop 820, Hurst, TX 76053
From 6:15 pm to 8 pm
TUESDAY, MARCH 1ST, 2016
PLANO MONEY 101
Blue Mesa Grill
8200 Dallas Pkwy, Plano, TX 75024
From 6:15 pm to 8 pm
WEDNESDAY, MARCH 2ND, 2016
UPTOWN DALLAS MONEY 101
Chuy's
4544 McKinney Ave, Dallas, TX 75205
From 6:15 pm to 8 pm
UPCOMING WINE, WOMEN AND WEALTH WORKSHOP:
TUESDAY, FEBRUARY 16TH, 2016
DALLAS AREA WWW
Brio Tuscan Grill
810 Central Expressway South, Allen, TX 75013
From 6:15 to 8 pm
RSVP to leslie.wilson@fiveringsfinancial.com
Thursday, February 11, 2016
Tuesday, February 2, 2016
youre invited to be my guest for dinner in Las vegas!
Mimis Cafe 1121 South Fort Apache Las Vegas NV 89117
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630-830pm
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To Register, email Trevor@fiveringsfinancial.com & katherine@fiveringsfinancial.com
Most of us attended school for more than a decade to learn about reading, writing and arithmetic-but we never learn about our finances! Five Rings Financial was founded on the belief the Middle Americans should be provided with a sound education on how money works, and this exciting, innovative event proudly drives this tradition forward.
Explore how to grow and protect your money for college funding, retirement planning or simply wealth accumulation...with money you never knew you had while enjoying a bite to eat and friendly company.
Money 101 is offered in various locations throughout the country, please use the link above to register for an upcoming event and join us for a complimentary meal and some great information (no sales pitch...we promise)!
Contact:
Trevor Jackson
303-428-5434
Trevor@fiveringsfinancial.com
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Wine Women & Wealth AZ!
We are a week away from Wine, Women & Wealth - East Valley at The Hub Grill & Bar in Mesa, AZ!
Please reserve your spot to join in on the fun and enjoy the evening with some amazing women. Tuesday evening, Feb 9th 6-8 pm.
RSVP Here katherine@fiveringsfinancial.com
Be sure to invite & bring a guest. There will be a special drawing for members bringing a guest.
Our location is The Hub Grill and Bar at 1925 S Sossaman Rd, Mesa, AZ 85209
Monday, February 1, 2016
You're invited to be my guest at Money 101 in Dallas TX!
Our Money 101 Workshops in DFW onFebruary 9th & 29th and March 1st & 2nd
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We go to school for 12 to 16 years to learn reading, writing and arithmetic; but never learn about "How Money Works"!
You're invited to a FREE workshop. This is not a sales seminar, but 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 retirement planning, college funding or simply wealth accumulation - with money you never knew you had. We look forward to seeing you there. Feel free to bring a friend. You're our guest! Please RSVP ASAP by responding to host Jack Waldron at jack@fiveringsfinancial.com |
When & Where
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TUESDAY, FEBRUARY 9TH, 2016
GRAPEVINE MONEY 101
Love & War in Texas
2505 E Grapevine Mills Cir, Grapevine, TX 76051
From 6:15 pm to 8 pm
MONDAY, FEBRUARY 29TH, 2016
FORT WORTH AREA MONEY 101
Logan's Roadhouse
948 NE Loop 820, Hurst, TX 76053
From 6:15 pm to 8 pm
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Thursday, January 28, 2016
Thursday, January 21, 2016
Friday, January 8, 2016
5 Investments You Should Think Twice About
http://www.investopedia.com/articles/investing/123115/5-investments-you-should-think-twice-about.asp?
Happy New Year!
I rang in the New Year in Las Vegas this year! It was amazing! I hadnt done that in over 20 yrs, since my college days. We start the new year with Money 101 on 1/12 and 1/20. Please be my guest! www.fiveringseducation.com In only a short 7 years we now have Money 101 and Wine Women & Wealth in over 40 states! Please RSVP to me as well as the link provided for any of our monthly events. Thanks! Have a great weekend!
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