Past performance is no guarantee of future results. This is for illustrative purposes only and not indicative of any investment. Federal income tax is calculated using the historical marginal and capital gains tax rates for a single taxpayer earning $110,000 in 2010 dollars every year. This annual income is adjusted using the Consumer Price Index in order to obtain the corresponding income level for each year. Income is taxed at the appropriate federal income tax rate as it occurs. When realized, capital gains are calculated assuming the appropriate capital gains rates. The holding period for capital gains tax calculation is assumed to be five years for stocks, while government bonds are held until replaced in the index. No capital gains taxes on municipal bonds are assumed. No state income taxes are included. Stocks in this example are represented by the Standard & Poor’s 90 index from 1926 through February 1957 and the S&P 500® index thereafter, which is an unmanaged group of securities and considered to be representative of the U.S. stock market in general. Government bonds are represented by the 20-year U.S. government bond, and inflation by the Consumer Price Index. An investment cannot be made directly in an index. The data assumes reinvestment of income and does not account for transaction costs. © 2017 Morningstar. All Rights Reserved. March 1, 2017. Used with permission.
Source for taxes: Tax-Rates.org—The 2020 Tax Resource. Map shows highest tax bracket. It represents the statutory tax rate on the last dollar of income earned for the highest-income individuals in the state. This is not an effective marginal tax rate. Local income taxes not included. Top tax friendly (<1%), Tax friendly (1%–5%), Less tax friendly (5.1%–8%), Not tax friendly (>8%).
Source for cost of living: Missouri Economic Research and Information Center. Cost of Living Data Series First Quarter 2020.
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The Power of Tax DeferralDiscover how powerful tax deferral can be in helping clients grow their assets, as demonstrated by three mathematical concepts. -
Asset Location Can Reduce TaxationA strategy for managing taxation to help clients reach long-term investment and savings goals. -
Lower Social Security Taxes and Medicare PremiumsHow tax-deferred investments may help lower taxes on Social Security benefits and Medicare premiums. -
Uncover Opportunity: The Annual 1040 ReviewThe importance of annually reviewing a client's 1040 to uncover tax management and long-term planning opportunities. -
2022 Federal Tax Amounts and LimitsA quick-reference sheet of current federal tax amounts and limits.
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2023 Retirement Plan and Social Security Limits OverviewUse this quick-reference sheet to keep you and clients informed of changes to retirement plan and an Social Security Limits overview. VLC0889-0123Download Email
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2023 Federal Tax Amounts and LimitsUse this quick-reference sheet to keep you and clients informed of changes to federal tax amounts and limits. VLC0888-0123Download Email
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Strategies to Help You Keep More of Your Investment EarningsThis brochure provides tax-efficient strategies to help clients increase their investment earnings and meet their retirement goals. VLC0774-1222Download Email
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Let Your Money Work for You with a Deferred Variable AnnuityThis piece shows the power of tax deferral by comparing the difference between a currently taxable and tax-deferred investment at different tax brackets. VAC0780-0522Download Email
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Charitable Remainder Trusts (CRTs) in Estate PlanningA charitable remainder trust (CRT) is an irrevocable trust that has current and future beneficiaries. This brochure is overview of the types of charitable remainder trusts and their uses. VLC1934-0221WDownload Email
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Where You Retire Makes a DifferenceShows the impact of taxes and cost of living by state. VLC0976-1120Download Email
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The Power of Tax DeferralOffers three mathematical concepts that help demonstrate the power of tax deferral. VAC0775-0519Download Email
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Required Minimum DistributionsSeminar flyer about qualified charitable distribution as a tax-management strategy for required minimum distribution. VLC1412-0920WDownload Email
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Understanding TaxesAnswering common questions about taxes and addressing planning considerations for nonqualified annuities and other investments. VLC0773-1222WDownload Email
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Tax Cuts and Jobs Act of 2017: Understanding the Impacts and OpportunitiesPacific Life commissioned Integrated Retirement to author a white paper to help explore the potential impacts and opportunities. VLC1045-0718Download Email
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