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FREE REPORTS AND SERVICES

401(k) Savings Plan Investment Review

Choosing between investment options in your telecommunications savings plan can be a daunting task. How many do you need to be diversified? Which have the appropriate risk level for you?

We will review your investment allocations and contributions and generate a custom designed report for you in which we recommend an asset allocation proposal.

401(k) Savings Plan In-Service Withdrawal

If you are a telecommunications employee considering a 401k Savings Plan In-Service withdrawal, we believe we can provide experienced recommendations on how to rollover balances (if permitted under your company plan) from your Savings Plan into an IRA while you are still an active employee. One potential benefit of this action may be to improve “investment efficiency”

Retirement Income Analysis (RIA)

Have you thought about exactly how much money you will need in order to retire? How about how long the money you’ve saved will last? This report attempts to show you if your current assets will be sufficient to meet your retirement goal (adjusted for taxes and inflation) and how long your retirement assets will last, taking into consideration your on-going earned income, the money you’ve saved (IRA, 401(k), investments, etc.), as well as the anticipated growth of your investment assets. This hypothetical report can be re-run with varying scenarios.

We will run this report attempting to show how cash flow may be generated to meet your annual income needs. In addition to illustrating cash flow generation, the RIA also shows how your assets might grow during retirement to protect against inflation.

This report is used for illustration only. It is not intended to show actual performance and rates of return are hypothetical and not predicative of any specific investment. Interest rates, or values that are set forth in the illustration, are not guaranteed and taxes, sales charges and investment expenses are not considered. Your actual results will vary.

IRA 72(t) Income Distribution Analysis (SEPP)

Did you know that there is a way you can withdraw money from you IRA before you are 59 ½? Normally there is a 10% penalty on premature (before 59 ½) IRA withdrawals.

Exception: If withdrawn annually in Substantially Equal Periodic Payments (SEPP) for 5 years or until age 59 ½ (whichever is further), the IRA 10% premature withdrawal penalty may be avoided.

We can run a report for you, which will illustrate just how much income you may be able to withdraw from your IRA prior to age 59 ½ and avoid the 10% penalty.

These withdrawals must be structured properly. Before implementing any strategy, you should seek the services of a qualified tax professional.

Investment Portfolio Review Analysis (Financial Physical)

If you have assets invested with another firm, you may be interested in a second opinion. Using our financial analysis software, we will generate a report for you. It will show your current asset allocation among cash, bonds and stocks and identify your stock sector and asset class breakout (large cap vs. small cap, value vs. growth).

We will then provide you with an overall review of potential areas that in our opinion might improve your portfolio position, including a comprehensive fee, performance, and risk evaluation.

Voluntary Separation Program

If you are evaluating the merits of a Voluntary Separation Program, as you try to decide whether to continue employment, separate from service from the company, retire and/or continue to work elsewhere, as with many employees before you, you may find that we may be very helpful to you in this important process.

If you are planning to retire in the next two years, given the current economic conditions it may be prudent for you to volunteer and accept the retirement package.

K&S Can Help You Decide...

If you are still on the fence regarding either of these programs, K&S can assist you in your decision process by running a “Retirement Income Analysis”. At no cost to you, this reports is simple to run and easy to understand and will provide you with the information you will need to make a sound and informed decision as to how you should proceed.

If you are planning to retire in the next two years, we can assist you in measuring your retirement potential by generating a series of free reports. These reports are designed to educate you on the various alternatives that may be available to you upon retirement. The goal of these reports is to help you make the retirement choices that are best for you.

This report is used for illustration only. It is not intended to show actual performance and rates of return are hypothetical and not predicative of any specific investment. Interest rates, or values that are set forth in the illustration, are not guaranteed and taxes, sales charges and investment expenses are not considered. Your actual results will vary.




If you would like to learn more about how we might assist you in your decisions about these reports, give us a call at 888.901.8310...


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Securities Offered Through First Allied Securities, Inc. - Member FINRA / SIPC