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Gradient Tax Brochure 2011 : Page 7

Few recognize the essential role of protecting their assets and ensuring their assets pass to their loved ones as planned. Through our valuable beneficiary review service, our team of CPAs and tax professionals help you properly position your beneficiary designations to present a lasting legacy. Receive a personalized Beneficiary Review Report with real asset distribution maps and a summary of your inheritance distribution by individual or appropriate party. We also pride ourselves on properly educating you on legacy preparation, planning concepts, and suitable strategies to successfully transfer your retirement assets. We work to thoroughly understand your wishes and help you avoid costly mistakes. Social Security planning helps you better understand Social Security as you near retirement and create a personalized retirement income plan to maximize your Social Security benefits and receive enough income to continue living comfortably in retirement. Net Unrealized Appreciation "U ZFBS FOE&#0d; /BUJPOBMMZ&#0e;LOPXO *3" &YQFSU BOE $POUSJCVUJOH "VUIPSUP*OWFTUNFOU/FXT&#0f;DPN&E4MPUUSFNJOETIJTSFBEFSTXIP were affected by the economic turmoil and resulting layoffs of 2009 and 2010 that they may qualify for a welcomed net unrealized BQQSFDJBUJPO /6"&#0a;UBYCSFBL&#0f;8IFUIFSSFDFOUMZTFQBSBUFEGSPN service or near retirement (or other triggering event), the concept PG /6" JT JNQPSUBOU JG ZPV BSF EJTUSJCVUJOH DPNQBOZ TUPDL GSPN your tax-deferred retirement plan, such as your 401(k). "U(SBEJFOU5BY&#0d;XFPGGFSBTJNQMF&#0d;ZFUQPXFSGVM&#0d;/6"UBYTFSWJDF&#0f; Our team of CPAs and tax professionals provide a calculated SFQPSU PG BO /6" USFBUNFOU&#0d; DPNQBSJOH UIF MPOH&#0e;UFSN DBQJUBM gain tax rates versus the ordinary income tax rate if rolled over to an IRA. Our presentation clearly defines the advantages and EJTBEWBOUBHFTPGUIF/6"USFBUNFOUBMMPXJOHZPVUPFYFDVUFUIF proper course of action for your unique situation. 4PNFBEWBOUBHFTPGUIF/6"USFBUNFOUJODMVEF&#1b;'BWPSBCMFMPOH&#0e; term capital gains rates rather than ordinary income tax rates, required minimum distribution rules do not apply, and not subject UP UIF  FBSMZ EJTUSJCVUJPO QFOBMUZ UBY /6" QPSUJPO POMZ&#0a;&#0f;  Disadvantages are also present and may include the loss of tax-deferred growth through a rollover IRA and other penalties based POZPVSTDFOBSJP&#0f;/6"JTBMTPMJNJUFEUPFNQMPZFSTUPDLBOEPUIFS securities. Variable Annuity Loss Analysis Millions of Americans are holding onto underperforming variable annuities (VA) looking for an opportunity to rid themselves of exposure to further losses. There are numerous reasons why someone might contemplate liquidating an “underwater” VA, and the tax benefits may be the icing on the cake. The personalized Variable Annuity Loss Analysis report has been designed to help you evaluate how to handle the taxation of any losses that may be sitting unrealized within your non-qualified variable annuity contract. You will gain helpful information to decide whether to take advantage of the tax implication related to the situation. Tax Projection Service Engage our team of CPAs and tax professionals to review your prior-year federal and state income tax returns to project your current year’s tax obligation. Using our Tax Projection Service, you will receive recommendations to reduce your tax obligation and avoid penalties and interest. Perform this powerful service when making major financial decisions and life style changes. Our tax projection service is ideal for mid and year-end tax planning. Let our CPAs guide you through these major decisions in a tax efficient manor, helping you to reach your financial goals. Discounted Veteran Program At Gradient, we serve those who have served our country. Our team of CPAs and tax professionals give back to veterans nationwide through our Discounted Veteran Program. We play an essential role in helping veterans and surviving spouses qualify for veteran benefits by identifying tax implications and providing gift tax preparation as well as other discounted tax services as appropriate. Social Security In 2011, nearly 55 million Americans will receive $727 billion in Social Security benefits. The average monthly benefit for retired workers is roughly $1,175 per month. Most of those people don’t realize their monthly income could have been substantially higher if they delayed beginning their Social Security even by one year. Personalized CPA Consultation and Support Our team of CPAs and tax professionals are not limited to the services outlined on our website. We provide a 360 degree approach to tax service and support, allowing us to personalize our offering to your unique situation. Ford spends thousands of man hours studying the wants and needs of the common man, and it allows them to integrate new ideas and designs with time-tested and proven techinques. Research and FUTURE FORD PRODUCED 5.532 MILLION AUTOMOBILES AND EMPLOYED ABOUT 213,000 EMPLOYEES AT AROUND 90 PLANTS AND FACILITIES WORLDWIDE. knowledge allows the ability to set market trends, outperform expectations and forecast possibilities. 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

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