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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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    • Roth Conversion, Pro-Rata Rule, and Rollovers: Today’s Q&A Mailbag

      April 19, 2018

      Question: I was curious if a Roth conversion of post-tax money from an IRA is subject to the pro rata rules if the IRA owner also owns a SIMPLE IRA?  Is the SIMPLE excluded from the calculation? Thanks Joseph Answer: Joseph: The pro-rata rule looks at the balance of ALL your IRAs to determine which portion of a Roth conversion is pre-tax and post-tax. This includes any SEP or [...]

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      How Much Can a Stretch IRA Be Worth?

      April 18, 2018

      One of the greatest benefits of an IRA is its ability to provide tax-favored wealth for heirs. An IRA left to a beneficiary can be "stretched" to provide pre-tax compound investment returns for the rest of the beneficiary's life -- or even longer.  And these can be distributed totally tax free if it is a Roth IRA. How much can such a stretch IRA be worth in actual dollars?  Compound [...]

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      Non-Deductible Contributions, Form 8606, and Conversions: Today’s Q&A Mailbag

      April 12, 2018

      Question: Dear Mr. Slott, I am writing because I have what may be an unusual IRA reporting situation and would like advice, or if you will, a judgement as to how I may handle the reporting for 2017.  This particular situation is one I have not heard of or seen discussed in any article or seminar in over 20 years. Briefly, I have yet to make withdrawals from my IRAs, but in 2017, I [...]

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    • Top 3 Things to Ask Your Financial Professional During Financial Literacy Month

      April 19, 2018

      April is National Financial Literacy Month and a perfect time to increase your financial literacy, while establishing and maintaining healthy money and finance habits. One way you can become financially savvy is by getting advice from financial professionals. According to survey results from the Indexed Annuity Leadership Council, when seeking information or advice about finances and money, 42 [...]

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      Four Reasons to Own an Annuity

      April 13, 2018

      Now that the Powerball winner has come forward to claim her prize of $758 million (before taxes), you can’t turn on the television or radio without hearing the word “annuity.” The winner of the lottery had a very important choice to make: to take an after-tax lump sum or pay the taxes and receive income for life. This got me thinking about the number of people who don’t understand exactly [...]

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      Fixed Indexed Annuities FAQ

      April 4, 2018

      Discover our most frequently asked questions about fixed indexed annuities (FIAs). Get the answers you need to help calculate your path to retirement. What is an annuity? In the most basic sense, an annuity is a contract between you and an insurance company that says you will pay for the annuity in either a single lump sum or multiple payments over time. In return, the insurance company [...]

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