According to Stonewood Financial CEO Becky Ruby Swansburg, the current tax landscape offers a once-in-a-generation opportunity, with a highly favorable short-term tax environment and a potentially less favorable long-term tax environment.
The current tax landscape offers a once-in-a-generation opportunity
What does this mean for you and your clients? Completing a Roth IRA conversion now could help clients maximize tax savings while managing the risk of future tax increases.
Hear more of Becky’s insights in a recent webinar hosted by EquiTrust.
Simple Roth IRA conversions
Our PTC program makes it easy to systematically transfer money over time from any Qualified, inforce EquiTrust deferred annuity to a Roth IRA contract.
Clients have the power to select when and how much to convert1
Original IRA is converted to the Roth IRA with one mirrored contract
We’ll withhold the taxes2
SmartBoost Index Roth conversion
Why SmartBoost™ Index for Roth IRA conversions? Simple:
Guaranteed3 no-fee 40% BOOST offsets taxes incurred on conversions, even at the highest tax bracket
Strong cap and participation rates offer even higher growth potential
140% of premium available for the death benefit on day 14
1 The annuity owner determines the timetable for the conversion, selecting when and how much money to convert, subject to no more than one partial conversion per contract year. 2 Withholding not available for SmartBoost Index. Any amount withheld before age 59½ may result in a 10% IRS penalty tax. 3 Guarantees based on the claims-paying ability of EquiTrust Life Insurance Company. 4 During the first 10 contract years, if death benefit is taken as monthly payments for 60 months. Assuming no withdrawals. If taken as a lump sum, the death benefit is equal to the Vested Enhanced Accumulation Value, which is the greater of the Accumulation Value (AV) and the Vested Guaranteed Enhanced Accumulation Value. Once the AV exceeds the Guaranteed Enhanced Accumulation Value, the lump sum death benefit is equal to the AV for all payment options.
SmartBoost Index contract issued on Contract Form Series ET-SBA-2000(01-25) or ICC25-ET-SBA-2000(01-25). Riders issued on Form Series 430-NHW(08-03) or ICC18-430-NHW(06-18) and ET-TI-SBA(01-25) or ICC25-ET-TI-SBA(01-25).
EquiTrust does not offer investment advice to any individual or financial professional and this information should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.
.png?width=55&height=71&name=calculator%20(2).png "calculator (2)"){kind=icon}
.png?width=80&name=checked%20(2).png){kind=icon}
Why SmartBoost™ Index for Roth IRA conversions? Simple:
