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Brought
to you by:
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| McCormick Klessig & Associates
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About Our Firm:
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McCormick-Klessig & Assoc., Ltd. provides individuals, families, small and medium sized businesses with complete coverage of personal and business risks in all product lines: Commercial Personal Life Accidental and Health ( including group products).
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| QUOTES from
the
Masters... |
| On Personal Responsibility |
On Overcoming the Negative |
"It
is not what happens that determines the major part of your
future. What happens, happens to us all. It is what you do
about what happens that counts." -- Jim Rohn
"Our ultimate freedom is the right and power to decide how anybody or anything outside ourselves will affect us." -- Stephen Covey
"The amount of satisfaction you get from life depends largely on your
own ingenuity, self-sufficiency, and resourcefulness. People who
wait around for life to supply their satisfaction usually find boredom
instead." -- Dr. William Menninger
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"The
greatest pleasure in life is doing what people say you cannot do." --
Walter Bagehot
"As
long as you think the problem is out there, that very thought is the problem."
-- Stephen Covey
"Hatred
is the most destructive force on earth. It does the most damage to
those who harbor it." -– Nido Qubein
"You
are positive, creative and happy to the degree to which you eliminate negative
emotions from your life." -- Brian Tracy
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What Is an Annuity? |
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In
planning for financial security in retirement,
an annuity can satisfy
two
basic objectives:
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To accumulate retirement assets on a tax-deferred basis: If
you're
already contributing the maximum to IRAs and any employer-sponsored
retirement
plans and need to save more for retirement, a deferred annuity may be
the
answer to your retirement savings need.
2.
To convert retirement assets into an income that you cannot
outlive: On the other hand, if you're
near or at retirement, an immediate income
annuity can be used to convert existing retirement assets into a
lifetime
income.
An
annuity is a long-term savings plan that can be used to accumulate
assets
on a tax-deferred basis for retirement and/or to convert retirement
assets
into a stream of income.
While
both are insurance contracts, an annuity is the opposite of life
insurance:
- Life insurance
provides financial protection against the risk of dying prematurely.
- An annuity
provides financial protection against the risk of living too long and
being without income during retirement.
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If you
are
already contributing the maximum to an IRA and/or an employer-sponsored
retirement plan, an annuity can be an excellent way to save for
financial
security in retirement.
Contact my
office
if you'd like additional information on the role an annuity might play
in your retirement planning.
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| MESSAGES
from
the Masters... |
THINKING LIKE A FARMER by Jim Rohn
One of the difficulties we face
in our industrialized age is the fact we've lost our sense of
seasons. Unlike the farmer whose priorities change with the
seasons, we have become impervious to the natural rhythm of life.
As a result, we have our priorities out of balance. Let me
illustrate what I mean:
For a farmer, springtime is his most active time. It's then when
he must work around the clock, up before the sun and still toiling at
the stroke of midnight. He must keep his equipment running at
full capacity because he has but a small window of time for the
planting of his crop. Eventually winter comes when there is less
for him to do to keep him busy.
There is a lesson here. Learn to use the seasons of life. Decide
when to pour it on and when to ease back, when to take advantage and
when to let things ride. It's easy to keep going from nine to
five year in and year out and lose a natural sense of priorities and
cycles. Don't let one year blend into another in a seemingly
endless parade of tasks and responsibilities. Keep your eye on
your own seasons, lest you lose sight of value and substance.
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don't want to add to your e-mail clutter! If you do not enjoy
my
newsletter, just reply to this e-mail and ask to be removed or call my
office. Thanks!
The purpose
of this newsletter
is to provide information of general interest to our clients, potential
clients and other professionals. The information provided is
general
in nature and should not be considered complete information on any
product
or concept described. For more complete information, please
contact
my office at the phone number above.
Quest Capital Stratagies
25231 Paseo de Alicia, Suite 110
Laguana Hills, CA 92653-4615
(800) 527-9989
Member FINRA and SIPC FINRA is located at www.finra.org.
SIPC is located at www.sipc.org.
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