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Asset protection and money management have become essential in today’s environment. It is about understanding yourself, your money, and the need to protect what you have through tax-advantaged products.

"Shift Personal Assets to Creditor Protected & Tax Deferred Growth"
Clients will tell me their CDs are a “Safe Bet”. But is their CD money really safe?  
Consumers love FDIC-insured CDs, largely because of their perceived safety. But is this “safe money” equally secure from the effects of inflation and taxation? You'll see that CDs netted 1% or more “real” growth in only three of the past 10 years. And just as often, CDs lost money after inflation and taxes! The numbers speak for themselves.
1995 6.16% 39.6% 2.54% 1.15%
1996 5.61% 39.6% 3.32% 0.07%
1997 5.87% 39.6% 1.70% 1.81%
1998 5.58% 39.6% 1.61% 1.73%
1999 5.59% 39.6% 2.68% 0.68%
2000 6.79% 39.6% 3.39% 0.69%
2001 3.69% 39.1% 1.56% 0.68%
2002 1.18% 38.6% 2.38% -1.24%
2003 1.25% 35.0% 1.80% -0.97%
2004 1.75% 35.0% 3.94% -2.70%
Source Lipper Inc. Internal Revenue Service. Inflation rates are based on the Consumer Price Index (CPI) a measure of change in consumer prices as determined by the U.S. Bureau of Labor Statistics. Past Performance is no guarantee of future results. CD rate used is six month (dated material)

How do bank CDs compare to Index Annuities?
CD Tax Efficient Transfer for Gifting, Click for Sample Ideas
Faster Growth Tax-Advantaged Life Time Income Predator Protected Peace of Mind
Lazy Money “The Rule of 72”
Lazy money is taxed (often called after-tax). Active money is called (tax-deferred). The rule of 72 is an old accounting rule. This rule tells us that if we divide the number 72 by the rate of return, say 6%, how long it will take to double the money? We use 6% because it has long been recognized as a very good long-term rate of return. If we divide 72 by 6%, we would learn that money would double in 12 years. Of course, this is only true if we have the full use of the rate of return, called Tax-Deferred.
The miracle of compounding is not in the rate alone, but also in how and when the rate of return is taxed. Money at full speed is tax-deferred and grows with complete safety. You control when taxes are paid.
Can you think of any reason why you would not want to take full advantage of tax deferred, safe growth with serious long-term money? With an asset inventory, I can easily identify which of your assets best profile into a tax-deferred position.
Increase the Yield on Bank Deposits
Those in a 31% tax bracket can increase the growth on their bank deposits with tax-deferred annuities. Here is how it works:
If your bank account earns $1,000 in annual interest income, shortly after year’s end, you will receive a 1099 for $1,000 to report on your tax return. This means you will owe Uncle Sam $310, equals 31% of what you earned. By transferring your savings to an annuity, you eliminate the 1099 and get to keep that $310 in interest to compound tax-deferred. It’s like borrowing from Uncle Sam at 0%.
Other Key differences between Bank CD’s and Annuities with Certificate of Deposit
Features Comparison of Annuities with Certificates of Deposits Annuity CD
 
1. Free from Principal/Market risk and price fluctuations? Yes Yes
2. Are interest earning free from current taxation? Yes No
3. Are interest earnings reinvested automatically with no current taxation? Yes No
4. Am I able to make small additional investments? Yes No
5. Tax Liability on Social Security income eliminated on Deferred Accumulations? Yes No
6. Liquid? Yes No
7. Flexible? Yes No
8. Penalty free withdrawals?
Yes No
9. Funds not reduced by commissions? Yes No
10. Does this investment automatically avoid the expense and delay of probate? Yes No
11. Guaranteed lifetime income with tax advantages? Yes No
12. Creditor Protected? Yes No
When a Tax-Deferred Annuity is a Flexible Deferred Annuity versus a Single Premium Deferred Annuity; small additional deposits are allowed.

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