People buy life insurance for the death benefit to help replace income and cover daily expenses. Life insurance can also help protect your financial future with a death benefit you can use for:

• Mortgage payments
• College tuition
• Child care
• Everyday expenses

With many life insurance products available, you can tailor your policy for a living benefit in case of an unexpected illness, or to supplement retirement income with a cash value accumulation product. (note: cash value accumulation Life Insurance products only work for a small portion of the population as part of an overall strategic financial plan, contact your CATALIST ADVISOR to see which Life Insurance products are best for you)

Nearly four in five families in the U.S. are protected … ARE YOU

Individual Life Insurance can serve many different purposes, depending on what your needs are.  Life Insurance is really “Death Insurance” and the most common type of Life insurance is TERM INSURANCE.  This is typically purchased to cover debts and fund other planned items for the insureds family in the event of an un-timely death. To figure out how much TERM life insurance you need CLICK HERE

Once you have determined your need, you should talk to a Licensed Insurance Broker who is able to Shop MULTIPLE CARRIERS and get you the best price monthly premium for your desired death benefit. You may run a few quotes by CLICKING HERE on your own, however to ensure the most competitive rates, let our brokers scour the market for you, just look at all the companies we can research for you:

OUR BROKERS WILL SCOUR & CHECK ALL OF THE FOLLOWING CARRIERS FOR THE BEST PRICING & HELP YOU DETERMINE THE RIGHT NEED:

Do you Qualify? Can you Benefit?

Converting IRAs & other qualified retirement accounts to Roth IRAs can mean big tax advantages. To quailfy in 2009 your modified adjusted gross income cannot exceed $100,000, but in 2010 the income limit is removed. Find out if this opportunity is right for you…

• Roth IRAs grow tax-free & withdrawals are tax-free to you, surviving spouse & beneficiaries.
• Unlike other IRAs, no annual withdrawals are required from a Roth for you or your spouse.
• Tax Free withdrawals from Roth IRAs can lower taxes on Social Security benefits.
• Converting now means lower taxes if you have losses in IRA accounts.
• If future taxes rise, going Roth now could result in big tax savings.

The “no income: limit in 2010 could be a one-time opportunity. Don’t miss this big “tax sale”. Here are other reasons to go Roth:

• Possibly lower Medicare Part B premiums;
• Itemized deductions are of greater value;
• Helps you stay in lower income tax brackets;
• Guaranteed tax-free lifetime income possible;
• Buy out IRS partner now in case your account value recovers;
• Change of mind allowed before final taxes filed.

Not everyone can benefit from converting to a Roth IRA. Consult a financial advisor before moving money to a Roth.

CATALIST FINANCIAL
310 West Main St.
Greenwood, IN 46142
(866) 460.4321
(317) 441.4321
ben@catalistfinancial.com

www.catalistconsulting.com

LEGAL, INVESTMENT & TAX NOTICE
This information is not intended to be, nor should it be contrued to be, legal/investment/tax advice. It is recommended that you obtain such advice directly from legal, tax and/or investment professionals or rely upon your own research. For more information on Roth IRAs, refer to IRS PUBLICATION #590

IRS Circular 230 Disclosure.
To the extent this information concerns tax matters, it is not intended to be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law.