• Non-deductible annual contributions of up to $3,000 ($6,000 for married couples) using a variety of investments.

• All capital appreciation and earnings grow without current taxation.

• If certain requirements are met, funds can be withdrawn tax-free.

• Never before has there been a means of compounding assets at "taxable" returns with no related income-tax liability.

• All accumulations can be passed to heirs free of income taxes.

• Traditional IRA may be eligible to convert into a Roth IRA.

• Converting a traditional IRA into a Roth IRA is a taxable event.

• Your representative can evaluate the benefit to you.

• Annual contributions of up to $3,000 ($6,000 for married couples).

• All capital appreciation and earnings grow without current taxation until funds are withdrawn.

• Flexible way to plan and build substantial retirement income because you control the specific investments made.

• Investments can be changed at your discretion.

• People age 50 or older in year 2002 can deposit an additional $500.

"Retirement security in a changing world."

A complete and comprehensive Financial Review includes the following:

• Investment Allocation Review
• Retirement Security Review
• Estate Planning Review
• Life Insurance Needs Review
• Children's Education Review
• Income Tax & Cash Flow Review

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• Employer sponsored program.

• Funded by employee salary deferrals.

• Pre-tax investing.

• Mutual funds or self-directed investing.

• $11,000 maximum annual investment for 2002
  (maximum annual investment limits increase periodically).

• Can change fixed investment amount twice a year.

• People age 50 or older in year 2002 can deposit an additional $500.

• Employer sponsored program (less than 100 employees).

• Funded by employee salary deferrals.

• Pre-tax income investing.

• Mutual funds or self-directed investing.

• $7,000 is the maximum employee contribution in 2002.

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