How
would you like your portfolio to:
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1.
Receive greater potential long term returns than fixed
investments such as CDs, plus |
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2.
Be protected from stock market downturns by avoiding
direct stock market investing? |
PLJ Advisors can help you create a successful low risk programs using
proven low risk asset protection methods, hedging strategies and protected
growth savings. Here’s how we do it:
Many investment
firms focus on getting you the highest return at
any expense without any regard to your risk.
PLJ Advisors operate on your behalf from a much
different premise. We have researched ways to lower
your risk and provide you with the best return possible
for that lower risk level.
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| PLJ
Advisors Has Asset Protection Solutions For You |
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Consider:
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Would
you appreciate receiving an up front bonus
to help accumulate money for your retirement? |
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Would
you like your interest to receive potential
gains at the same pace as the S&P 500
Index? |
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Would
you like a locked in interest rate protecting
your principle, bonus and fixed interest?
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Would
you appreciate flexible income options? |
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Do
you want a benefit for your heirs after your
death? |
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For
a limited time only, and as our way of saying thank
you, we are temporarily offering the following
no strings attached bonus:
Bonus: Life time No
Advisory Fee college 529 savings plan
for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE
to receive your bonus plus a free
evaluation of your investment protection needs or
call 1-888-755-2525.
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| What
Are Your Financial Goals? |
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| Your
Certificate of Deposit: The Good and the Bad |
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If you
have purchased a bank Certificate of Deposit (CDs)
you are one of millions who have contributed to
banks holding billions of dollars in CD funds. You
probably felt safe investing your money in a CD
because it is insured by FDIC. You trust your bank
and you felt you were getting a good return on your
money.
PLJ Advisors may be able to suggest other safe alternatives
to your CD investment with a greater potential return
on your money. |
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| What
Do We Mean By “Safe Alternative”? |
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Your CD
is insured up to $100,000 by the FDIC. This makes
it a safe savings vehicle. However, the savings
vehicles and asset growth solutions that PLJ Advisors
recommend have safeguards in place designed to protect
your money and assets with much larger growth potential.
What PLJ Advisors look for when choosing a strategy
for you is the financial strength of the organization
where your funds are entrusted, The financial strength
of a company can indicate its long term survivability
and the likelihood of its ability to pay on your
future claims and benefits.
The organizations that PLJ Advisors work with are
rated on their financial stability by independent
agencies such as Standard & Poors and A.M. Best.
PLJ Advisors only work with organizations that have
the highest ratings so that your money has the highest
assurance of safety, stability and growth potential.
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| PLJ
Advisors Chooses the Best Strategy For You. |
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| PLJ Advisors
will work with you, to find you the best possible
financial strategy for your situation. We choose
from a select group of major organizations that
receive the highest ratings from credible independent
agencies like Standard & Poors and A.M. Best |
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|
For
a limited time only, and as our way of saying thank
you, we are temporarily offering the following
no strings attached bonus:
Bonus: Life time No
Advisory Fee college 529 savings plan
for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE
to receive your bonus plus a free
evaluation of your investment protection needs or
call 1-888-755-2525. |
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|
If
you have purchased a CD with the goal of doubling
your money, you maybe waiting for a long while.
While you wait we suggest you view the chart below:
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| The
Power of Tax Deferral |
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Unless
your CD is an IRA, your CD is taxable even when
left on deposit with the bank.
The table below explains the benefits of a tax deferred
rate of return along side the rates needed by your
bank CD to generate equivalent net earnings. |
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Keep in mind
that tax deferred does not mean tax free. Taxes must eventually
be paid on growth according to federal law, which moderates the
degree of PLJ Advisors’ proposed solution advantage over a
CD.
In addition, withdrawals from a qualified investment before age
59 1/2 may incur an additional 10% IRS tax penalty.
| Compare
the Rate You Earn to An Equivalent Tax Deferred
Rate |
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Below
is the formula used to determine after tax yields:
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When
it comes to saving for your future, you care as
much about the money you accumulate (or yield)
as you do about the interest rate. So what is
a good growth alternative that also gives you
a bonus?
Front end bonus asset growth isn’t the solution
for everyone, but they do offer options for many
of your goals and concerns.
Are you asking yourself:
“I’d like to get rid of my low
interest CDs. Can PLJ Advisors recommend an asset
growth solution that has a bonus to offset my
penalties for early withdrawal?”
Or
“One of my fixed investments pays me steady
interest, but the renewal rate is low. Can PLJ
Advisors recommend a solution that offers a front
end bonus as a workable alternative?”
Some of the front end bonuses we occasionally
recommend can help you get through a recent financial
setback, overcome dissatisfaction with a current
investment, recoup CD penalties, transfer costs,
or surrender charges.
PLJ Advisors may be able to suggest many great
ways to give you a better yield through a front
end bonus recommendation. Here’s an example:
The above hypothetical example is based on a single
payment with no withdrawals. Initial dollar amount
must be held in deferral for a minimum of one
year then taken as an income for a minimum of
10 years.
Five year yield assumes current base rate and
is credited for full five year period.
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Nothing
beats the power of tax deferred growth.
If you are reinvesting your CD interest back into
your CD year after year, your growth is subject
to annual income taxes.
The example below illustrates the power of tax
deferred growth. We assume $100,000 at 4% annual
compounded rate of return within a 28% tax bracket.
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| Gain
the Advantage of Triple Compounding With a Tax Deferred
Alternative: |
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With
tax deferred alternatives you can Earn interest
on:
Your money
Your interest
AND the money you would have
paid in taxes
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|
|
For
a limited time only, and as our way of saying thank
you, we are temporarily offering the following
no strings attached bonus:
Bonus: Life time No
Advisory Fee college 529 savings plan
for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE
to receive your bonus plus a free
evaluation of your investment protection needs or
call 1-888-755-2525. |
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|
If you are
reinvesting CD interest without needing to use it, you may be
unnecessarily increasing your provisional income and potentially
paying more taxes.
The following
example involves the Johnsons, a retired
married couple both over the age of 65. They live
primarily off their combined pension income. They
have additional assets that count towards their
provisional income. |
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| Lets
Look at the Above Table |
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| Because
the Johnson's’ provisional income exceeds
the married couple’s limit of $44,000, the
Johnsons will pay tax on more than 50%
of their Social Security benefits. Assuming they
don’t live off of their investments. |
|
|
For
a limited time only, and as our way of saying
thank you, we are temporarily offering
the following no strings attached bonus:
Bonus: Life time
No Advisory Fee college 529 savings
plan for 2 children in your immediate family
(please, only two accounts per household ).
CLICK
HERE
to receive your bonus plus a
free evaluation of your investment protection
needs or call 1-888-755-2525. |
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| Many
of our recommended growth solutions allow you
to take penalty free withdrawals, sometimes up
to 10% of premiums paid every 12 months. |
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| PLJ
Advisors Give You More! |
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| PLJ
Advisors offer a wide variety of innovative asset
protection solutions to help you meet your financial
needs and goals. We work one on one with you and
determine the best solution for your life situation. |
|
|
For
a limited time only, and as our way of saying
thank you, we are temporarily offering
the following no strings attached bonus:
Bonus: Life time
No Advisory Fee college 529 savings
plan for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE
to receive your bonus plus a free
evaluation of your investment protection needs
or call 1-888-755-2525.
|
|
|
| Immediate
Value Increase On Your Money |
|
Some
of our recommendations offer you the basic benefit
of an immediate 3% to 10% increase on your assets’
value.
In addition, you’ll receive long term benefits
like tax deferred growth and potential freedom
from probate. |
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| PLJ
Advisors Has Even More Benefits for Your Investment |
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Some if these options include (but are not limited
to):
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An
option for life time income |
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An
option to receive income payments while
still attaining growth |
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After
the first year, up to 10% free withdrawals
per year and up to 100% of your assets |
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A
multi generational IRA to “stretch”
your growth potential for your children
and grandchildren |
|
|
|
For
a limited time only, and as our way of saying
thank you, we are temporarily offering
the following no strings attached bonus:
Bonus: Life time
No Advisory Fee college 529 savings
plan for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE
to receive your bonus plus a free
evaluation of your investment protection needs
or call 1-888-755-2525. |
|
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| What
Are Your Needs? We Can Help! |
|
Have
a PLJ Advisors representative contact
you and discuss your needs. A PLJ Advisors
consultant will be able to find the absolute best
strategy for you to prepare for “the golden
years”. You can receive life time income
plus earn tax deferred interest on your money.
Give PLJ Advisors a call at 1-888-755-2525. |
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| PLJ
Advisors Has Even More Benefits for Your Investment |
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Would
any of these bonuses increase your quality of
life?
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Receive
an up front bonus to help regain market
losses or recoup surrender charges (or if
you just plain enjoy getting a bonus!)? |
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A
share in potential gains in the S&P
500 Index? |
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Avoid
any surrender charges if you leave your
money for several years? |
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Flexible
income options? |
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Benefits
for your heirs after your death? |
These are some of the perks you can receive from
PLJ Advisors recommendations that you may not
be able to find with other financial products. |
|
|
For
a limited time only, and as our way of saying
thank you, we are temporarily offering
the following no strings attached bonus:
Bonus: Life time
No Advisory Fee college 529 savings
plan for 2 children in your immediate family (please,
only two accounts per household ).
CLICK
HERE
to receive your bonus plus a free
evaluation of your investment protection needs
or call 1-888-755-2525.
|
|
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| Incredible
Benefits for You and Your Family |
|
PLJ
Advisors Can Give You:
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A
Customized Asset Hedging Strategy.
We prepare a long term plan that reflects
your risk philosophy and tolerance. |
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Participation in Market Gains.
Never again settle for low CD rates when
investment markets are doing well. |
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Tax-Efficient
Investing. Enjoy the benefits of
tax deferred asset growth. |
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To get your free evaluation
and to learn how PLJ can help you, call:: 1-888-755-2525
or contact us here |
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Investments" COSTING YOUR portfolio?
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