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Are You Making a Vital Mistake in Financial Planning?

Many people are going to lose control of their IRA and they don’t even realize it…

THREE NIGHTMARE SCENARIOS

Important Lessons We’ve Learned From Our Clients

Your Plan:

You’ve got your estate planning & will all wrapped up nicely and ready to go. Naturally, your spouse, Jane, is your direct IRA beneficiary. The estate plan determines that after you and Jane pass away, your children should be in a great place to benefit from your estate. You feel confident that your wishes will be honored and your heirs can benefit for generations.

What Can Happen...

After you pass away, your surviving spouse, Jane, receives your IRA funds and finds it easiest to simply roll those funds into her own IRA. Later, she finds companionship and marries again. After five years, she and her new husband, Jack, help update each other’s estate plan, designating each other as beneficiaries. A few months later, Jane unexpectedly passes away and her IRA is passed to her new husband, Jack. That’s how Jack – a complete stranger to you – now has complete control of YOUR IRA and chooses HIS own kids as beneficiaries. Your family’s greatest asset just left your estate with no recourse- even with a trust. Unfortunately, this is one of the many common occurrences we see today in financial planning.

*This is for illustrative purposes only. Your results may vary.

SCENARIO #1: A Complete Stranger Gets Your IRA

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Important Facts
About IRA’s and Beneficiary Designations

Your Beneficiaries Can Lose Benefits From Your Entire IRA.

Retirement assets account for a large proportion of wealth today. How can you help your IRA lands in the hands of those you determine?

Many Surviving Spouses Remarry. How Does This Affect Your Beneficiaries?

When surviving spouses rollover inherited IRA’s into their own estate, they completely control your IRA and have the ability to write YOUR heirs out of your will.

There is a Way to Control IRA Distributions After You Pass Away.

We can show you how to help ensure your heirs are protected and your IRA will ONLY pay out according to your wishes. Let us show you.

The Right Financial Advisor Can Help Protect Your Legacy For Generations.

Schedule a FREE Consultation with Rigney Financial to find out if a Trusteed IRA is right for your estate plan.

Trust services provided through The Private Trust Company- an affiliate of LPL Financial. Rigney Financial Services and LPL Financial do not provide tax or legal advice. Please consult with a qualified tax or legal advisor.

IMPORTANT LESSONS to Learn From Others’ Mistakes

Your Plan:

You’ve worked hard for 35 years, religiously contributing to your IRA every month. By the time you retire, your retirement account is in great standing. Your son, Johnny and his family should be set for life with the amount of money you’ve set aside for them in your estate plan. You live a comfortable and frugal life, taking care to not deplete that nest egg you’ve worked hard to create. At 72, you pass away and your son, Johnny inherits your estate.

What Can Happen...

When Johnny inherits your estate, he is anxious to get all of the money out at one time. He has not been so frugal in his life and is short on money. He chooses to take the lump sum at a 30% tax rate. Working with only 70% of the original amount, he pays his bills, buys a boat and takes the family on vacation. He also buys a new car for his wife as well as a few other splurges. 14 months later, Johnny and his family realized that they spent all of the inheritance and had little to show for it. That’s how a lifetime of savings can disappear in just a few short months. Many inheritances are gone in less than 5 years. We can show you how to prevent this from happening to your estate.

*This is for illustrative purposes only. Your results may vary.

NIGHTMARE SCENARIO #2

A Lifetime of Savings Gone in 14 Months

What Can You Do to Help Protect Your Assets?

Find out how to help preserve assets and protect your loved ones and heirs from divorce and creditors. I will show you exactly how you can control distributions according to your wishes.

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SCENARIO #3

Your Wife is Left Destitute After Your IRA is Spent on Someone Else

Your Plan:

What Can Happen...

After you pass away, your surviving spouse, Jane, receives your IRA funds and finds it easiest to simply roll those funds into her own estate. Later, she finds companionship and marries again. After five years, she and her new husband, Jack, help update each other’s estate plan, designating each other as beneficiaries. A few months later, Jack is injured and Jane can no longer take care of him on her own. Jack goes into an expensive nursing home while Jane lives at their home. Jack never fully recovers enough to return home and has to spend his final years there. Jane can barely afford to live after spending all her IRA funds on her husband’s care. She moves into a small apartment and finds a part time job in order to pay her bills. That’s how YOUR hard-earned IRA can be completely drained while paying for a complete stranger’s nursing home bill.

*For illustrative purposes only. Your results may vary.

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Are You Making a Vital Mistake in Financial Planning?

Important Lessons We’ve Learned From Our Clients

Your Plan:

What Can Happen...

SCENARIO #1: A Complete Stranger Gets Your IRA

Get the Estate Inventory Booklet for Free

Hurry! This is a
Limited Time Offer.

Important Facts
About IRA’s and Beneficiary Designations

Your Beneficiaries Can Lose Benefits From Your Entire IRA.

Many Surviving Spouses Remarry. How Does This Affect Your Beneficiaries?

There is a Way to Control IRA Distributions After You Pass Away.

The Right Financial Advisor Can Help Protect Your Legacy For Generations.

Schedule Your Free Consultation Now

IMPORTANT LESSONS to Learn From Others’ Mistakes

Your Plan:

What Can Happen...

A Lifetime of Savings Gone in 14 Months

What Can You Do to Help Protect Your Assets?

Your Wife is Left Destitute After Your IRA is Spent on Someone Else

Your Plan:

What Can Happen...

Questions? We Would Love to Help!

Are You Making a Vital Mistake in Financial Planning?

Important Lessons We’ve Learned From Our Clients

SCENARIO #1: A Complete Stranger Gets Your IRA

Get the Estate Inventory Booklet for Free

Hurry! This is a Limited Time Offer.

Important Facts About IRA’s and Beneficiary Designations

Your Beneficiaries Can Lose Benefits From Your Entire IRA.

Many Surviving Spouses Remarry. How Does This Affect Your Beneficiaries?

There is a Way to Control IRA Distributions After You Pass Away.

The Right Financial Advisor Can Help Protect Your Legacy For Generations.

Schedule Your Free Consultation Now

IMPORTANT LESSONS to Learn From Others’ Mistakes

A Lifetime of Savings Gone in 14 Months

What Can You Do to Help Protect Your Assets?

Your Wife is Left Destitute After Your IRA is Spent on Someone Else

Questions? We Would Love to Help!

Hurry! This is a
Limited Time Offer.

Important Facts
About IRA’s and Beneficiary Designations