This course is about positioning, empowerment and Money In Motion.  It was built to train Annuity Producers to become Qualified Plan Distribution Experts!  LIMRA Research Briefing #8 (Sept. 2005) supports the need for this training.  The history of Retirement Plans in America is where we will begin.

Keys to the IRA Kingdom Course Overview:

• This Course is about Positioning, Empowerment, and Money in Motion!
• It was built to train Annuity Producers to become Qualified Plan Distribution Experts!
• LIMRA Research Briefing #8
• Sept. 2005 supports the need for this Training.
• The History of Retirement Plans in America is where we will begin.

The Concept and the Market

• The Three Important Changes that made the Stretch Possible.
• The Ultimate Tax Trap.
• Four important facts.
• How The Stretch can turn $300,000 into over $1.5 million.
• How big is the market and where is the money?
• Who is controlling the Qualified Money in America today?
• IRS Publication "590" - The Ultimate Sales Tool.

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The Three Easy Steps To Stretch Qualified Money

• The Sales Process
• How the new Tax Rules benefit the whole family.
• The grandchildren's birthday present, every year FOR LIFE.
• The importance of Presentation Software.
• How Required Minimum Distributions (RMDs) work.
• Documentation that gets the job done.
• The One and Two Tier Approach for non-spousal beneficiaries.

Choosing the Ideal Custodian for your Client’s IRA

• How to correctly reposition Qualified Money into a more ideally suited IRA
  multi-generational custodian.
• What “securities only” advisors don’t want senior clients to know about safe money alternatives.
• Valuable information revealed to capture the clients’ attention.
• The High Cost of Small Fees.
• How to help clients recognize risky sales techniques.
• The Number 1 Key to Wall Street - It’s in the Math.
• Show your clients which financial institutions provide the ideal custodial support for their multi-generational IRAs.

Beneficiaries and the Separate Account Rule

• Why the Separate Account Rule is so important.
• What Happens Without Separate Accounts.
• Spousal and Non-Spousal Beneficiaries have Different Rights.
• The High Cost of Bad Advice.
• Trusts and the Separate Account Rule.
• Annuity Beneficiary Forms that Automatically Establish Separate Accounts and Handle All
  Beneficiary Distributions.
• The problems using Wills and Trusts.
• The Pension Protection Act and 401(k)s.

Stretching a Roth IRA

• How to Triple the Distributions and Eliminate the Income Tax.
• How to turn $300,000 into $3.5 Million Income Tax Free (Roth Conversion).
• Create Tax Free Income for 3 Generations.
• How to Pay the Tax on the “Seed” and Save the Tax on the “Crop.”
• Why the Roth IRA conversion is rarely recommended by “securities only” advisors.
• The Rules for the Roth Conversion and the Advantages of Stretching a Roth IRA.
• How the Tax Law Changes in 2010 Effect Roth Conversions.
• How to use Annuities and the Roth conversion.
• How to do a Roth Conversion with No Out-of-Pocket Cost 
• Who is the Ideal prospect for the Roth Conversion.
• The no out-of-pocket Roth Conversion Calculator 

The Non-Qualified Stretch

• How it works.
• Private Letter Ruling.
• Payout options are endless.

Estate Tax and the Stretch

• How Proper Planning Today can Prevent Estate and Income Tax from Gobbling up Your Client’s IRA.
• The new Estate Tax rules.
• How to Avoid Losing up to 80% of your IRA to Uncle Sam.
• How to Take Advantage of the “Double Estate Tax Exemption.”™
• How to use the IRS Estate Tax Offset.
• The Rules of Income in Respect to a Decedent (IRD).

The Ultimate 3rd Party Influence

• How to Prove what You Say.
• The Highest Authority for Your Client’s IRA is the IRS.
• How to use IRS Publication 590 as the Ultimate Sales Tool.
• Review of IRS Publication 590.
• How to use the IRS to Beat the current advisor.
• What’s wrong with using Trusts or Wills for your IRA.
• How IRS Publication 590 Closed a $1.6 Million Dollar Annuity.

The 2 Step Approach to the Stretch

• The Simple way to do a Stretch.
• How to do a Stretch with Any Insurance Company.
• Life Insurance and the Stretch IRA.
• IRA Arbitrage.
• How to convert taxable IRAs into Tax Free Life Insurance
• Life Insurance and The Spousal Roth Conversion.

Objections Overruled

• The 5 Most Common Objections You should expect to hear and be prepared to answer.
• How the Top Stretch IRA producers handle objections.
• Important Dates and Deadlines.
• What is Effective Documentation.
• What are the Defaults-What happens if No One Does Anything?
• Multiple Beneficiaries can be Multiple Problems on Wall Street.
• Separating Facts from Fiction.

Top 10 Mistakes IRA Owners and Beneficiaries Make

• Owners fail to take RMD (50% Excise Tax).
• Not taking advantage of the "Stretch Option".
• Failing to properly Designate Beneficiaries.
• Failing to Establish Separate Accounts.
• Too much of your IRA at Risk.
• Over paying Fees and Loads on IRAs, 401(k)s and other retirment accounts.
• Not taking advantage of Tax Savings Strategies.
• Too many Retirement Accounts.
• Not moving 401(k) and 403(b) plans to an IRA after retirement .
• Not getting a Second Opinion.

Power Closes and Trial Closes (The Best of the Best)

• Closes from some the Top Stretch IRA Producers in America.
• The Tools You Need to Dominate the Stretch Market.
• Thought-provoking questions that clients should be asked.
• The Ultimate Gift.
• Recommended Reading.