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. 

Be my guest for lunch on Mar 16th!

San Marcos Lunch Express Money 101

WhenMon, March 16, 12pm – 1pm

WhereThe Broken Yolk 101 South Las Posas Rd. San Marcos, CA 92078 (map)

DescriptionTo Register, cut and paste link into your browser: http://goo.gl/XpqaOh 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)!

Be my guest for Money 101 on March 16th!

CA San Marcos Money 101

WhenMon, March 16, 6:30pm – 8:30pm

WhereOld Spaghetti Factory 111 N. Twin Oaks Valley Rd San Marcos, CA 92069 (map)

DescriptionTo Register, cut and paste link into your browser: http://goo.gl/30zIao 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)!