What the heck is Financial Laddering ?

Sept. 25, 2010 - PRLog -- From: The SE Agency
September 25, 2010
http://rolloversandannuities.com

FINANCIAL LADDERING

We utilize Financial Laddering, with 100% Safe Fixed Financial Products.

Essentially Financial Laddering is creating a Cash Flow, ( can be current &/or future ),
and stepping up your income with solid interest crediting methods.  
The overall result:
You can realistically Increase Your Original Principal,  2.5 to 3.5 times,easily over 15 years.  PLUS, you can elect to create guaranteed income over these years, as well.

Here is a very conservative example:

I. Original Principal: $300,000

II.  We are going to place the $300K into 4 different Buckets ( Fixed Financial Accounts )

III. This client has stated that they want to create an Immediate and Continuous Cash Flow, and then receive a Lump Sum at the end of 15 years.

BUCKET #1
Immediate Annuity: Five Years at 3%
Initial Deposit: $50,000
Years 1 through 5:
Creates $860 / Month Guaranteed Income
Equals: $10,320, per year for 5 years.
$51,600

BUCKET #2
Deferred Fixed Annuity: 3%
Initial Deposit: $50,000
Creates Income: Years 6 through 10:
$996.68 / Month Guaranteed Income.
Equals: $11,963.71 per year, for 5 years.
$59, 518.55

BUCKET #3
Deferred Fixed Annuity, With 5% Immediate Cash Bonus
Interest Rate: 4%
Initial Deposit: $100,000
With Immediate Cash Bonus = $105,000
Creates Income: Years 10 through 15:
$2,673.32 / Month Guaranteed Income.
Equals: $32, 079.85 per year, for 5 years.
$160, 399.25

You have now received $271,818, over the last 15 years.
HERE COMES THE BEST PART:

BUCKET #4
Deferred Fixed Annuity, With 10% Immediate Cash Bonus
Interest Rate 4%
Initial Deposit: $100,000
With Immediate 10% Cash Bonus: $110,000
ACCOUNT VALUE: At year 15: $198,104.
You can elect to take this as a lump sum.  Or take a partial distribution, and re-invest.

You have now received: $271, 817, and earned $198, 104 = $469,921

For more information, and a Personal Projection:

http://rolloversandannuities.com/Contact_Us.html

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The SE Agency specializes in Better, Safer, Smarter Retirement and Investment Plans.
IRA, 401k, 403b Rollover and Distribution Advisors.
Proudly serving clients in Southeastern PA, Southern & Central NJ.
Contact Us: 215-622-0052