IRA Asset Planning

A properly structured IRA may provide your beneficiaries a regular stream of income while leaving the balance of IRA assets invested for tax-deferred growth.
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IRA Asset Planning

IRA accounts have become one of the largest types of assets inherited by beneficiaries. If you don’t anticipate needing your IRA money in retirement, you may wish to consider a legacy planning strategy that potentially reduces taxes and potentially increases the payout your beneficiaries will receive upon your death.

You may want to use some of the value in your IRA to provide your beneficiaries a regular stream of income while leaving the balance of IRA assets invested for tax-deferred growth. The result may yield substantially more money paid out over the course of your beneficiaries’ lifetimes. We can help you evaluate your financial situation to determine if IRA legacy planning could help you meet your goal of structuring a long-lasting inheritance for your beneficiaries.

Strategies for Financial Independence

To schedule a time to discuss your financial future and the possible role of insurance or investments in your financial strategy, contact us at mmorgan@tbsretirementplanning.net or call us at 806-790-5071 today!

Have Questions for Mike?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

At Total Benefit Services, we offer you the following services:

(Click the images below to learn more about each service.)

Annuities

Wealth Accumulation

Asset Protection

Life Insurance

Retirement Income Strategies

Tax Minimization Strategies

Long-Term Care

IRA & 401(k) Rollovers

IRA Legacy Planning

We can also refer you to professionals who provide the following services:

» Trusts » Probate » Charitable Giving » Estate Planning » Tax Planning

Get access to our helpful retirement kit which includes three guides that address topics you should consider when planning your retirement.

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Securities offered through TCM Securities, Inc. Members FINRASIPC

Investment advice is offered through Triumph Wealth Advisors, Inc., an SEC Registered Investment Adviser.

Insurance products, including annuities, are offered through Michael A. Morgan, a licensed insurance agent in the states of Texas and New Mexico.

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

Fixed index annuities and fixed annuities are generally considered to be long-term retirement planning products. They are intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed annuity is not a registered security or stock market investment and does not participate directly in any stock or equity investment or index. Annuities are not deposits of or guaranteed by any bank and are not insured by the FDIC or any other agency of the United States. All guarantees are solely backed by the financial strength and claims-paying ability of the issuing insurance company. Please note the application of surrender charges could result in a loss of principal, the minimum guaranteed return may be 0 percent, and interest earned based on market increases may be capped. The guaranteed account value of a fixed index annuity only applies if the annuity is held until the end of the contract term and loss of principal is possible if the annuity is surrendered before the end of the contract term. Insurance products, including annuities, are offered by Michael A. Morgan, a licensed insurance agent in the state of Texas.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.