Rejoyce in Your Retirement

This book discusses general concepts for retirement planning, and is not intended to provide tax or legal advice. Individuals are urged to consult with their tax and legal professionals regarding these issues. It is important to know a) that annuities and some of their features have costs associated with them; b) that annuities used to fund IRAs do not afford any additional measure of tax deferral for the IRA owner; c) that income received from annuities and securities may be taxable; and d) that securities’ past performance does not influence or predict future results.