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Wednesday, February 08, 2012
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Dnnart.net
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Investment Services
 Financial Services: Common sense planning for the future! We offer a range of products to help you build and secure your future.
Whether your financial future includes paying college tuition, purchasing a new home or retiring with security, we look forward to helping you reach your goals.
Our Mission is to provide the highest quality financial guidance and build long term relationships that are based on integrity, trust, and service.
We take a comprehensive approach to financial services with a keen eye on growing financial assets while at the same time making sure that preservation of those assets is considered top priority
Some of the products you might wish to consider:
- Traditional IRA
- IRA Rollover
- Roth IRA
- Education IRA
- Money Market Accounts
- Certificate of Deposits (CD's)
- 529 College Savings Plan
- Annuity
- Mutual Funds
- Employer Retirement Plans (i.e. 401 (k) plans, Business/Qualified Retirement Plans
- Variable Universal Life Insurance, see Life/Health Insurance
Traditional IRA: This is a tax favored account that allows anyone under the ago of 70 1/2 who has earned income from employment to contribute up to $3,000/year, and is subject to certain income conditions. These contributions are tax deductible, though earnings are tax-deferred. Withdrawals are taxable and are required to begin at the age of 70 1/2. If you withdraw from the account prior to age 59 1/2 a tax penalty may apply and there are federal restrictions.*
IRA Rollover: This is a tax favored account which savings are transferred from an existing, qualified retirement plan (i.e. 401 (k) plan) to a Traditional IRA. Though contributions and withdrawals follow the guidelines as a Traditional IRA.*
Roth IRA: This is a tax favored account that allows anyone, regardless of age, with earned income from employment to contribute up to $3,000/year, and is subject to certain income conditions. Contributions are not tax deductible. Earnings are tax deferred. Withdrawals are tax-free under certain conditions, but if you withdraw from the account prior to age 59 1/2 a tax penalty may apply and there are federal restrictions.*
Education IRA: A tax favored account that allows anyone to contribute on behalf of a child. These contributions can not exceed $2000/child per year. Limitations do exist on the contribution of any one person.*
529 College Savings Plan: This is a national college savings program authorized and created under Section 529 of the IRS code that enables individuals to save and invest on a tax deferred basis at a variable rate of return to fund college or graduate school expenses. Parents, grandparents and others are able to contribute up to $10,000/year per beneficiary.*
Annuity: This is a contract with an insurance company that you agree to deposit a specific amount of money with that insurance company. The insurance company agrees to pay a fixed rate of interest on your funds, as long as the contract exists. The interest you earn accumulates as tax deferred. Also available are variable annuities which pay a variable rate of return. Withdrawals are taxable and if you withdraw from the account prior to age 59 1/2 a tax penalty may apply and there are federal restrictions.*
Mutual Funds: This is an open-end management investment company that combines the money of many investors and hires an investment manager to invest that money in an attempt to gain one or more financial objectives. These financial objectives can be classified as current income, capital growth and capital preservation.*
*Our agency does not provide legal or tax advice. For specific legal or tax advice based on your situation, please contact your attorney or tax advisor.
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Dnnart.net
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 The primary reason of Estate Planning is to accomplish the distribution of assets, to whom you wish minimizing taxation.
Having a successful estate plan assures your wishes for your heirs. The initial planning process includes taking an inventory of your assests, discussing with trusted advisors, such as attorneys and accountants, your goals for the future.
Below is a brief list of items that should be considered to when taking inventory of your assets:
- Real Estate (home or other real estate ventures)
- Savings (bank accounts, CD’s or money markets
- Investments (stocks, bonds, mutual funds)
- 401(k), IRA, pension and other retirements accounts
- Life insurance policies/annuities
- Ownership in a business(es)
- Motor vehicles (cars, boats, planes)
- Jewelry
- Other personal property of worth
The planning process is one that takes time and is ever changing. However, most people assume that estate planning is for the wealthy. Your loved ones are at risk of losing all that you have built in your lifetime, without proper planning, you are in danger of the following:
- The transferring of your assets will be decided by the laws that govern your state.
- Court appointed administrators make the decision; where, who and how much of your assets are distributed. As well as receiving expenses for their work and a deduction to the total amount that could be given to your loved ones.
- When children are involved, it could result in a court appointed guardian.
- A family owned business could be sold without the families consent.
- Unnecessary estate taxes can be relinquished and administrative services can be incurred and deducted from your assets.
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Dnnart.net
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Life, Disability, Financial Services
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Life, Disability and Financial Services
 When you are seeking ways to protect the financial interests of your family or business, there are numerous considerations. There are also many alternatives depending on your current circumstances and goals. Each customer is treated with personal attention at CCI, whether you are an individual, family or business.
Since no two people or businesses are precisely the same, no two financial plans should be identical. You won't find high pressure sales people here. You will simply find knowledgeable financial service professionals seeking solutions to your individualized needs.
Life Insurance
Should the unexpected happen, your choice for life insurance coverage could make all the difference in your family's financial future. It's important that you have asked the right questions and received the correct answers. Multi-quote online websites or impersonal toll-free numbers do not adequately answer questions such as, “How much coverage is enough?” or “What type of policy is right for me?”. We believe in offering you a personal approach to life insurance as part of your overall financial plan. Sometimes, term life insurance may be the option that makes the most financial sense, other times an alternative should be the right choice.
Comparing rates for term or mortgage life insurance?
If you're simply shopping for the best rates on term insurance, you should be speaking with us. CCI has access to the country's leading term insurance companies. What's more, you can even speak to a “real live agent” to discuss your individual needs and help determine what type of policy is appropriate for you. Why buy too much or too little coverage?
Disability
Would your family be able to pay major bills, such as your home mortgage, if they no longer had your regular income? Since you are more likely to become disabled than die before age 65, it makes sense to seriously consider disability coverage. You may receive a small amount of disability coverage under your employer's group coverage, but will it adequately protect you? Let us help you find the answer.
Long Term Care
More than likely, you are saving regularly for your retirement through a 401K or other plan. Unfortunately, your savings could easily vanish if you found yourself in need of long term care. There are many options available to help protect your assets for you and your family.
Group Insurance
Are you a business owner seeking to provide benefits for your employees and their dependents? If so, there are a variety of choices available, including life, medical, dental, auto/home, and retirement plans. We offer plans to suit the needs of both large and small employers, including executive coverages like estate planning, key person insurance, buy-sell funding, and deferred compensation.
Financial Services
Our representatives are also on hand to assist you with other areas of your financial portfolio. A wide variety of investment and annuity options are available to you.
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| Copyright 2007 by CCI Underwriters, Inc.
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