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    • A FEW WORDS ABOUT US

      We here at Leonetti Insurance & Financial Services specialize in looking at the WHOLE PICTURE for our clients by re-allocating and re-positioning retirement assets for safety, growth, legacy planning, and income planning. We gather complete information to help our clients make informed decisions in an easy to understand manner to assist with their particular situation.
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      Farmers Insurance Group is an American insurer group of automobiles, homes and small businesses and also provides other insurance and financial services products.

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      Farmers Inurance

      Farmers Inurance

      Farmers Insurance Group is an American insurer group of automobiles, homes and small businesses and also provides other insurance and financial services products.

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      Our primary goal is keeping our clients' money safe from volatile and risky investments.

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      Financial Services

      Financial Services

      Our primary goal is keeping our clients' money safe from volatile and risky investments.

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      Developing the right portfolio of insurance products is an essential step toward a comprehensive financial program or estate planning.

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      Insurance Services

      Insurance Services

      Developing the right portfolio of insurance products is an essential step toward a comprehensive financial program or estate planning.

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    • ROLLOVERS & NAMING A TRUST AS A BENEFICIARY: TODAY'S Q&A MAILBAG

      June 21, 2018

      Question: Roll over all but $4000 of nondeductible IRA in my Traditional IRA into my SEP IRA, then rollover the $4K basis into my Roth IRA? Can I do that? Can I do both rollovers in quick succession in the same day so that the Traditional left with the $4K does not accrue the daily interest? Thank you very much. Fred Answer: Fred, A few things to consider. First, you can only do one [...]

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      SELF-DIRECTED IRAS: KNOWING THE LAW IS ONLY HALF THE BATTLE

      June 20, 2018

      Many individuals who open IRAs choose to invest in traditional asset classes, such as stocks, bonds, or mutual funds. But for a growing number of people, these options are not enough. Instead, they look to invest in other non-traditional assets. The tax code actually allows taxpayers to use IRA assets to invest in a much wider range of asset classes. In fact, the law doesn’t provide a list of [...]

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      THE IRA AGGREGATION RULE: EASING RMDS, COMPLICATING ROTH CONVERSIONS

      June 18, 2018

      When you own multiple IRAs and take an IRA distribution, the IRS treats all your non-Roth IRAs as one. This helps you when you reach age 70 ½ and must begin taking annual required minimum distributions (RMDs). Instead of taking a separate RMD from each IRA, you can take the total RMD for all of them from any one of the IRAs, or from across them in any way you wish. How: The IRS requires you [...]

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    • 3 Ways to Prepare Your Dad for Retirement after Father’s Day

      June 20, 2018

      Although most people know it’s never too early to start planning for retirement, many Americans aren’t truly prepared, and there are many supporting statistics from the Indexed Annuity Leadership Council’s (IALC) data: One in four baby boomers (think: your dad) have less than $5,000 saved for retirement More than 40 percent of America’s workforce reports they are worried about [...]

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      Higher interest rates fuel retirement account annuities

      June 14, 2018

      When the yield on the 10-year U.S. Treasury note recently peaked a few basis points above 3% in May, for many market observers, a psychological barrier had been breached. That closely watched benchmark bond hadn’t exceeded 3% since July of 2011. “That’s a pretty significant level,” notes Frank O’Connor, VP of Research and Outreach for the Insured Retirement Institute, a trade [...]

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      Dear Baby Boomer: Retirement Is This Close, and You Need to Deal With a Few Issues

      June 8, 2018

      Here are four challenges to jump on right now to make sure your retirement is a happy one. I know you’re ready. You’re so close to retirement, you can taste the cool beverages on the beach and feel the sand between your toes. Unfortunately, at the rate you’re going, dear Baby Boomer, your retirement might not be exactly as you dreamed it. Maybe it’s because you never could quite [...]

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