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Tax Deferred Investments with Third Federal

A simple truth: less taxes mean a bigger nest egg.

ThirdFed Investments

Fixed Annuities: A fixed annuity is an interest-earning contract between you and a life insurance company that offers unique features and tax advantage benefits. Each year more savers and income seekers are buying fixed annuities to prepare and achieve future financial security.

Fixed Annuities have S.T.Y.L.E.

  • Principal guaranteed. With many annuities your principal is 100% guaranteed by the issuing insurance company.†
  • Money-back guarantee. Many annuities provide that you will not receive less money than you put into your annuity, less any withdrawals*. Premium taxes may apply in some states.
  • Strong Industry Ratings. Ratings from A.M. Best, Standard & Poor’s and Moody’s.
  • Supported by the Legal Reserve System. Operating since the beginning of the 20th Century. Insurance companies set aside assets to meet their obligations to policyholders.
  • Tax-deferred earnings. Deferral of taxes on interest earned allows your money that would have been taxed to grow faster.
  • Reduce current taxes. Defer paying state and federal income taxes on your annuity’s earnings until withdrawal*.
  • Tax control. Pay taxes when you make withdrawals* at the times you select.  Simplifies tax reporting (no 1099 form).
  • Helps protect Social Security benefits. Potentially minimize or eliminate taxation of social security benefits by reducing income by shifting taxable investments into a fixed annuity.
  • Competitive interest rate and no start-up fees. Earnings are typically higher than those of a savings account.
  • Guaranteed minimum rate. This feature assures you that your money grows consistently over time and that your interest rate can never fall below the guaranteed minimum rate.
  • Penalty-free withdrawals* available. You can withdraw a portion of your money at any time each contract year free of withdrawal charges (diminishing withdrawal charges on amounts over penalty-free withdrawal.)
  • Pays you an income you can’t outlive. Income options available in monthly, quarterly, semi-annual or annual payments (subject to minimums).
  • Proceeds available in lump sum (withdrawal charges may apply).
  • Hospital/Nursing home waiver. Many annuities offer full liquidity in the event of terminal illness, hospitalization, or nursing home confinement.
  • You select the beneficiaries. 100% of your money goes directly to the beneficiaries you choose, without delay of probate.
  • Tax control. Flexibility for your beneficiaries to receive proceeds over time or in a lump sum, providing them with potential tax control over the gains.
  • Not subject to creditor claims.


DISCLAIMER

Check the background of this investment professional on FINRA’s BrokerCheck

Located at: 7007 Broadway Ave, Cleveland OH 44105   1-888-TF-INVEST (834-6837)

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

Click here to view Cetera Investment Services Privacy Policy, other Important Information and Business Continuity Plan.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at http://www.ceterainvestmentservices.com/

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