An IRA with Guaranteed  Growth

A possible solution for 72t "early IRA withdrawals"

 NOTE: All Guarantees are based on the financial strength and claims paying abilities of the 

company chosen for your annuity. That is why I only offer the finest. Feel free to contact me 

for more information and the name of the company referred to in this article. 

Have you LOST money in your IRA during the last year or more?  Are you tired of losing? 

Would you like some Guaranteed growth for a change? Are you considering a 72t? (for early 

withdrawals prior to age 59 ˝ from an IRA, without paying the added 10% IRS penalty)

Then read on....

Recently, I've received numerous requests on how to set-up a 72t for "early withdrawals from

an IRA prior to age 59 1/2" but some people are reluctant to use a variable annuity, for a variety

of reasons. Therefore, I'm going to show you a way to set-up a 72t income stream for an IRA

with Guaranteed growth, using a FIXED RATE ANNUITY!

As you may have read before, I believe, the whole idea is, to end up with as close as possible,

to what we started with in the beginning- or more! Right? I've spent months searching for just

the right investment that will do exactly that.

It's PREDICTABLE, it's NON-Cancelable to the IRA owner, and the growth rate is

Guaranteed and so is your PRINCIPAL.

Here's how it works: In this example I will use a 54 year old, with $1,000,000 in their 401k or

other types of retirement accounts that could be used for an income stream over the next 6

years to get to age 59 1/2 or 60. The end of the 72t time-period.

For Illustration purposes only: (NOTE- rates change constantly, so check for current rates)

Let's say he takes $700,000 and puts it into a Guaranteed Fixed rate annuity using, for example, a 

6 year contract at a Guaranteed rate of 5.60% for the 6 years. (Some companies offer either: 5, 6,

7, 8, 9 or 10 year contracts to easily fit it to a specific person's needs. Rates vary for each length of 

contract. Ask for current rates on other contract lengths.)

Then, we set it up a 72t "equally substantial pay-out", in this case it would provide an income

stream of $54,423.88 [$4,535.32/mo] using the Annuitization pay-out option, at the SAME RATE

the annuity is earning 5.60%. The SAME RATE of growth, as the withdrawal rate, is the KEY to it

working properly.

Now your money is GROWING at the same rate as it is being WITHDRAWN and at the end 

of the 6 years, he should end up with exactly (or REALLY close to) the same as he started with! He

has enjoyed the income stream totaling $326,543.28 over the 6 years and still has the original

amount he started with, the original $700,000!

What about the other $300,000? Simple. He puts it into a SECOND (identical) annuity, except with 

NO 72t withdrawals. It grows at the same Guaranteed rate of 5.60% over the next 6 years and 

the annuity will have a Guaranteed cash value of $416,011.00!

This type of investment plan might work well for some to create a regular and predictable 72t

income stream. When the 72t ends at age 59 1/2 or 5 years, (whichever time is longer- in other

scenarios) the IRA owner can take his money and move it elsewhere or simply leave his money

there and take out a new contract, if he wishes! It's his choice! This is the proverbial

"have your cake and eat it too" scenario!

Of course these types of annuities can also be used for ANY kind of money as well, it doesn't have

to be JUST IRA money!

company chosen for your annuity. Feel free to contact me for more information and the

name of the company referred to in this article.

NOTE: annuities are NOT used for their tax-deferred growth when combined with

an IRA. There are many other reasons (as described here) for using an annuity,

since an IRA already offers tax-deferred growth without the use of an annuity.

If you'd like more details on what a 72t really is and how it works, GO HERE

If you’d like information on using a Variable annuity for 72t withdrawals GO HERE

For people approaching age 70 1/2 that are required to take RMD- Required Minimum

Distributions, this same Guaranteed Fixed annuity might work well for you as well

GO HERE to see.

My Financial Services

Privacy Policy

Don Loper

Toll Free 1-866-636-7614

E-Mail:  dloper@cfiemail.com

Office of Supervisory Jurisdiction:  Centaurus Financial., 110 Schiller Street, Suite 210, Elmhurst, IL. 60126

Phone 1-(630) 530-0345.

Securities offered through: Centaurus Financial, Inc., 333 City Blvd  West, Suite 2010, Orange, CA 92868, Member SIPC & FINRA (Previously NASD)
Phone 1-(714)456-0852, http://www.centaurusfinancial.com

Securities offered through Centaurus Financial, Inc., a registered broker/dealer and a

member of FINRA & SIPC. This is not an offer to sell securities, which may be done only after proper

delivery of a prospectus and client suitability has been reviewed and determined.