Retirement Planning

Replace your IRA or 401k

The following information is an important information advisory to clients and friends regarding why you should consider replacing your IRA, 401(K), TSA, and any other government controlled retirement plan NOW, while you can, before the rules are changed and taxes go up.

Your question then will be, if I were to do so, where will I be able to save money for retirement…or college funding, or early mortgage pay off? What are my options? This is a very important advisory. The government is considering a new retirement option, which may not be in your best interest. Your IRA, 401(K), and TSA, plans may be changed in ways you may not approve of. Do you want to know and understand your options?

So, how can you protect your retirement assets from future losses due to significant future tax increases on retirement assets? Do you want to defer taxes today only to pay higher taxes in the future, when your funds are limited? Are you prepared for the coming tax increases and loss of retirement assets due to excess fees and taxes? Ask BA Group for a special report on your retirement options and how to manage retirement plans and other assets under the new tax laws.


You know and understand that your taxes will be going up significantly in the future? Income, Capital gains and Dividend taxes, the Alternative Minimum Tax, all up significantly! Are you prepared?


The Administration wants to reduce the FEDERAL estate, or death tax, exemption from $5 million to $1 million! Now anything in your estate valued OVER $1 million will be taxed from 50% to 55%. Americans will not be able to transfer a family-owned business, farm, or house to children or grandchildren without an estate transfer or death tax! WILL YOUR ASSETS HAVE TO BE SOLD TO PAY THESE TAXES?

Not with knowledge and serious estate planning strategies designed to reduce the risk of loss! Google the federal death tax for more information. Ask BA Group for a special report on how to plan your estate to reduce the damages of the federal and state death tax.


Did you know…The Dept of Labor says as many as 17 fees are charged to your 401k. A Congressional study says annual fees on 401(Ks) average 3% a year. If you pay 2% a year in fees, in 40 years your account will be half of what it would otherwise be.

A recent AARP survey shows 7 out of 10 people do not know what they are paying in qualified plan fees. Congressmen George Miller of California is the Chairman of the House Committee of Education and Labor and a staunch critic of the 401K industry. Miller claims the practice is to deduct over 12 fees from client 401Ks and that you cannot even find half of them by reading your prospectus.

These fees include:

  1. Legal fees
  2. Trustee fees
  3. Transactional fees
  4. Stewardship fees
  5. Bookkeeping fees
  6. Finders’ fees, etc.

Miller claims some 401K fees are so high that they can eat up half of the account value over 30 years. If you need more reasons to make a change, count the ways why your 401k needs to be retired NOW:

  1. The plan is deceptive, not what you think it is and it will disappoint you.
  2. It [401k] is not working for millions of Americans. The 401k was never meant to be the primary retirement vehicle for Americans. It was set up in the 1970s as a tax dodge for executives.
  3. Miller gives an example showing that if you had $100,000 in your 401k 5 years ago, and you had the standard alignment of investments, you would have less than that now.
  4. The disaster for many is that as you get older, your options are reduced, and there is a quirk where if the market goes down, you have a higher chance of losing money.

Do you need more reasons to dump your 401K and other government qualified plans? It is time to call the 401K a failure. 401K plans are unfair since how well you retire is determined by whether there was a bear market the year you retire. Thirty percent of companies with a 401K plan have stopped matching funds. People are forced to take risks they should not have to take. Pensions pay until you die; 401K plans only pay while there are funds in your account. Miller asks.. “Do you know how long you are going to live? How do you know you are not going to run out of money in your 401k?”

Tax increases on Qualified retirement plans, your 401(K), IRA and TSAs, will be significant. They were marketed with the idea that taxes would be lower in your retirement years. These retirement plans will be taxed to 55%!

Why do you think the government wants to raise taxes so high?

The government is broke/BANKRUPT! The news says the National Debt is now $16 trillion and growing. Not totally true. Remember the $63 trillion in unfunded liabilities: Social Security and Medicare? A bankrupted government will not be able to support any of these programs!

It is important that all Americans Google the National Debt Clock:

You will see why the BANKRUPTED, MISMANAGED government is desperate for YOUR money!


The Government now seeks to turn your retirement plan into a GRA (Government Retirement Account) where you will not be able to access or borrow your own money any longer. The government will only let you take your money out as an annuity, like a small social security monthly distribution. Your account will earn 3%! And when you die, the government KEEPS, yes, keeps your money. You cannot pass it on to your heirs! You work hard all your life and cannot pass your assets t your loved ones!

Ask BA Group for a special report on how to best protect your retirement and other assets from excessive fees, higher taxes, and surprise legal attacks.


Have you noticed, your Social Security check is now referred to as a “federal benefit payment”? Remember, not only do you contribute to Social Security, but your employer does too. Contributions totaled 15% of income before taxes. If you averaged only $30K over your working life, that’s close to $220,500.

If you calculate the future value of $4,500 per year (yours and your employer’s contribution) at a simple 5% (less than what the government pays on the money that it borrows), after 49 years of working you’d have accumulated a whopping $892,919.98. If you took out only 3% per year, you’d receive $26,787.60 per year, and it would last more than 30 years (until you’re 95 if you retire at age 65)– and that’s with no interest paid on that final amount on deposit! If you had simply bought an INSURED LIFE CONTRACT and it paid only 4% per year, you’d have a tax-free lifetime income of $2,976.40 per month for as long as you live! The folks in Washington have pulled off a bigger Ponzi scheme than Bernie Madoff ever had.

Entitlement program, really? You pay cash for social security insurance! Just because the government borrowed the money, doesn’t make your benefits some kind of entitlement program benefit! It was your hard-earned money that was supposed to have gone into a LOCK BOX. They call Social Security and Medicare an entitlement even though most of us have been paying for it all our working lives, and now when it’s time for us to collect, the government is running out of money and wants to hang on to your retirement assets!

So, what do you do with your money, now that the government wants to take over your pension and take control of your assets so the government can spend your life savings on whatever they think best and dole out a pittance to you each month and keep the balance when you die?

One option: Learn how to become your own banker with a plan the government does not YET control. There is a unique insured plan that is better than a bank or a government retirement program. It is a private INSURED contract protected by the constitution that accumulates wealth tax-free. It pays you a tax-free retirement benefit if you live. This is a significant living benefit! It also transfers to your family tax-free if you die, unlike the government’s GRA that the government keeps at your death! If set up properly, the plan is protected from liens and lawsuits!

Additionally, if you develop a chronic illness and cannot do two of six activities of daily living, or you develop a critical illness like cancer, heart attack or stroke, you can access to 90% of your death benefit tax-free to help pay for your immediate financial needs. This plan would take the stress out of your life, and help you get your bills paid each month! Such a plan can be custom designed for your needs and budget.

If you are in a government- qualified (controlled) retirement plan, you should seriously consider transferring out of the plan while you can, NOW! Move retirement assets and pay any taxes owed from the cash values of this insured plan. Then use the plan to save for college, retirement, a new house, rentals, pay off a mortgage early, saving thousands of interest dollars and invest in your insured plan, whatever you want to accumulate funds for in a safe, tax-free account that you control. Your funds will grow tax-free, and the government won’t take your money away from you. Might this be why many of the wealthiest Americans have a majority of their wealth in INSURED contracts?


Would you like to see the plan that made the Kennedy family super wealthy? Would you like to learn the strategy that the Kennedy family has passed on to all family members for generation after generation, a plan that made the family billionaires. You can use this strategy to become your own banker, to build tax advantaged wealth for your family. Does it not make sense to become your own bank? A bank dictates terms, payments, and may not even make a loan to you when you want and need a loan. With the INSURED CONTRACT plan, you become your own bank, and you have your own money available to you when you want and need it! Your plan will earn a minimum of 4.5% tax-free, tied to market indexes. You can’t lose! Principal is secure. An insured contract is protected by the best actuaries, traders, checks and balances, and the very best financial managers. Become your own bank and control your own retirement account. Your future is in your hands, not the government’s.

Visit the following link for important information:

The Government wants to seize your retirement:

Do you have a retirement account or know someone who does?

Our Government’s would like to De-Privatize and Seize Retirement Accounts. This is real, ongoing, and taking place now!

The GROWING national debt, along with the lack of demand for U.S. Treasury (debt) bonds, leaves the government with no other option. Trillions are due in obligations!

The U.S. government thinks your 401k and IRA can help solve the debt problem! This is Not a conspiracy theory! Read the Senate Bills for yourself!

You will discover

How President Obama is involved and the documents that prove it.
What workers’ Unions are in favor of de-privatizing retirement accounts.
What government agencies are involved and the meetings being held.
What they plan to do with your retirement funds.

The Senate Bills, and the state officials who are in favor of de-privatizing retirement accounts.

The Government Plans to Convert Your Current Retirement Plan to a GRA

Government Retirement Account (GRA) Benefits:

Will earn 3%
Will not allow you to borrow your money
Will be taken out monthly over life expectancy like Social Security
The government keeps the balance of the account at your death.
You will not be able to pass the account balance to your spouse, children or grandchildren
What can you do now, while you can, before you lose control of your retirement account?

Move your current retirement account NOW into a tax-free insured account that has the following benefits:

Pays a tax-free benefit to loved ones at your death.
Provides a tax-free savings fund linked to the S & P 500 index.
When the S&P500 goes up, you benefit. When it goes down, you don’t lose!
A great savings program for retirement or an education fund… or a home savings fund.
If you are ever diagnosed with a critical or chronic illness like cancer, heart attack, stroke, or need funds for a nursing home, you can access to 90% of your death benefit tax free to cover these expenses.
You can move your current retirement assets to this new tax-free plan, pay the taxes now while they are low, BEFORE they go higher, and have access to your funds in the future tax-free.
You become your own banker. You will not have to rely on a bank approving your loan!
Learn how to arrange this plan so that it provides the same benefits as the Kennedy family plan, benefits that build wealth for every family member on a tax favored basis, protected from loss to legal attacks.

If you’ve been carefully tucking money away in a 401k plan and dreaming of the day you can retire, you may be shocked to learn that money is being withdrawn from your accounts without your knowledge.

Beware of Hidden Fees

Before you call the police, you’ll need to understand how 401k plans work. A number of administrative fees are built into and deliberately buried within the plans. Twenty years ago, the cost of administrating a 401k was the responsibility of the employer. Today that burden has shifted to the employee. It’s up to you to do the detective work to ferret out the hidden fees so you’ll know exactly what you are paying for. To avoid unwanted surprises, review the below links.

Watch more news videos | Latest from the US

You need to know and understand your options. There may be a better savings alternative for retirement, college funding, paying off a mortgage early, using tax advantaged dollars. There are many benefits to this unique plan. This plan avoids loss to legal attacks, probate, and the federal death tax when properly set up. Ask BA Group for a personal illustration custom designed for your family, a plan that meets your needs and fits comfortably into your family budget.



A domestic or international retirement annuity may be appropriate to your financial and retirement planning goals.

You may want to consider an annuity that guarantees lifelong income to supplement Social Security and pension income. You will not outlive your income!

If you’re at or near retirement, you may be looking for options to help make your money last your entire life.

Consider a Lifetime Income Plan. It’s a simple fixed immediate annuity from a major domestic or international insurance company that lets you turn part of your savings
into a steady stream of income that you can’t outlive.
Here’s how it works:
A one-time lump-sum purchase converts into steady monthly income payments for life
The amount you receive is fixed and locked in regardless of market conditions
No limit to the number of monthly payments you receive — so your funds will never run out.

Important Annuity Benefits

Guaranteed income stream for life
You can buy this annuity with part of your savings. In a month, your first check will arrive, and they’ll continue for life. It’s income you can count on to help pay essential expenses or earmark for hobbies, entertainment and more.

The longer you live, the more you’ll collect
Your income payments will continue no matter how long you live. If you live a long life, you could collect thousands more than you paid
for your annuity.

Your money’s not lost if you pass away prematurely
If you pass away before your total payments equal your annuity purchase price, your beneficiary will be paid the difference.

Guaranteed income for your spouse
Choose a Joint Life plan, and guarantee that your spouse receives a monthly income for life after you’ve passed away.
Find out how much guaranteed monthly income you can receive to help you to supplement your Social Security and pension income.