Secrets of the Tax-Exempt Roth IRA

Have you ever wondered how is it that Silicon Valley’s entrepreneurs are able to place hundreds of thousands of dollars, even millions, in a TAX-EXEMPT Roth and you don’t qualify for a Roth at all? Money earning tax-never dividends forever.

How can they grow their Roth IRA’s to astrological heights, and you and your advisors don't even know how you can start a Roth IRA?

These secrets are revealed in a new report designed and written by the professionals at Ensphere Marketing Group (EMG). Request your report, and we will include an exclusive video showing you how you too can create your very own Roth Tax-Free IRA, before they are gone forever.

Go to www.enspheremg.com, scroll down to leave your email address, and Chris will be sure you get your own copy of the report and video.

Mike Giffin, Ensphere Marketing Group

Why Your Retirement Is at Risk

Nationally recognized IRA expert Ed Slott argues when it comes to saving for retirement, the biggest mistake made involves taxes.

For the insider secrets to lowering your taxes in retirement, leave your email at www.enspheremg.com.

Slott told FOX Business Network’s Sandra Smith, “When you lose your retirement savings to taxes -- you're never getting that money back… There [are] rulings that are constantly coming out and you better hope if you have a financial advisor -- they’re up to date on these things -- and most are not. I would say 99 percent.”

Slott says one of the risks associated with retirement involves rollover changes when switching jobs.

“What you should be doing, when moving from an IRA to an IRA, or a Roth IRA to a Roth IRA -- is move it directly without you touching the money in between. That’s when it’s at risk -- because you do that twice in a year, your entire retirement account becomes taxable and it doesn’t exist anymore,” he said.

He also explained inherited IRAs can become exposed.

“At death it moves to another individual, a beneficiary -- and if properly titled inherited IRAs are not set up -- that money is taxed -- a fatal error,” he said.

Want to learn more? Sign up for our members-only special information you can use NOW! Visit www.enspheremg.com and scroll down to leave your email address.

Don’t wait until you retire. Use this strategy today. Get the facts!

Mike Giffin, Ensphere Marketing Group

President Obama’s 2016 budget targets retirement accounts

President Barack Obama's Fiscal Year 2016 Budget was unveiled Monday to the American public, along with the Department of Treasury's Greenbook, which provides further details of the proposals in the president's budget.

Below is a list of those provisions. For in-depth info and the complete article, join our "insider club" by leaving your email at www.enspheremg.com.

1. Eliminate the special tax break for NUA

2. Limit Roth conversions to pretax dollars

3. ‘Harmonize’ the RMD rules for Roth IRAs with the RMD rules for other retirement accounts

4. Eliminate RMDs if your total savings in tax-favored retirement accounts is $100,000 or less

5. Create a 28% maximum tax benefit for contributions to retirement accounts

6. Establish a ‘cap’ on retirement savings prohibiting additional contributions

7. Create a new ‘hardship’ exception to the 10% penalty for the long-term unemployed

8. Mandatory five-year rule for non-spouse beneficiaries

9. Allow non-spouse beneficiaries to complete 60-day rollovers for inherited IRAs

10. Require retirement plans to allow participation from long-term part-time workers

11. Require Form W-2 reporting for employer contributions to defined contribution retirement plans

12. Mandatory auto-enrollment IRAs for certain small businesses

13. Facilitate annuity portability

14. Eliminate deductions for dividends on stock of publicly traded companies held in ESOPs

Have you joined our "insider club" yet?

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Mike Giffin, Ensphere Marketing Group

How China's Stock Market Tumble Is Affecting the US

With China being the second-largest economy in the world, investors around the world are anxious about the major slide in the Chinese stock market.

Read on for more highlights from yesterday's ABC News article ...

1. U.S. Stock Market and Your 401(k)

The major U.S. stock indices, the Dow Jones Industrial Average, S&P 500 and tech-heavy NASDAQ, were all down about 1 percent this morning, which may take a bite out of American retirement accounts.

2. American Financial Companies

Americans are unlikely to be directly affected by financial events in China to any significant degree, according to Barry Bosworth with the Brookings Institution. Still, shares of American financial companies like Citigroup and Bank of America have fallen nearly 2 percent this morning.

3. Trade

In terms of financial risk in trade, China is a major exporter to the U.S., but Canada and Mexico are larger export markets, which matter for American workers, Bosworth said.

But as the second-largest economy in the world, and normally an important stimulus to global growth, the ongoing concern is that China's stock market sell-off is translating into lower stock prices for multinational corporations.

Seth Wenig/AP Photo

Concerned? Time to look into your own “Freedom Account.”

Contact chris@enspheremg.com for your personal account summary.

Mike Giffin, Ensphere Marketing Group

P.S. Remember to leave your email address at www.enspheremg.com for the insider secrets only the most astute advisors teach their clients.

What does Tony Robbins think of the Freedom Account?

For this week's announcement, I was pleasantly surprised to find a reference to our “Freedom Account” in Tony Robbins' book Money: Master the Game.

 

While the book refers to private placement life insurance, available only to the super rich, you can start your own “Freedom Account” for as little as a few hundred dollars a month to $10,000/month or more.

Our offer is to forward you the synopsis of secrets of the ultra-wealthy, that you can use, too ...

 

So you can see for yourself.

 

“View an insider’s secret to affluent planning, a legal way to invest…..all without paying taxes on the gains. - New York Times, 02/09/2011.  

Just leave your email at our site, www.enspheremg.com, and we will send you your synopsis. 

As a bonus, if you want a personal view of how a “Freedom Account” MIGHT lower your taxes and drastically boost your tax-free, retirement income + leave a legacy to your children and grandchildren, leave your email and a note, and we will contact you.

With your personal plan, we will include a full copy of Tony’s best-selling book.

Isn’t it time you took control of your own finances?

 

Mike Giffin, Ensphere Marketing Group