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A
An investor's guide to lower taxes
Roger Ratliff
Investment Representative
120 West Kansas
PO Box 281
Smith Center, KS 66967
(785) 282-3232
(800) 440-3925 Toll-free
(785) 282-6219 Fax
D V E R T I S E M E
N
T
Reduce
your taxes
"I'm proud to be paying taxes in the United
States. The only thing is -- I could be just
as proud for half the money." < Aahur Godfrey
The sentiment expressed in the preceding quote is as true
today as it was decades ago. Most of us feel the same way;
if we could reduce our taxes, we would. You may not be able
to reduce the taxes you pay on your wages, but you can
reduce taxes on your investment income.
" Free #ourself from taxes
Buyand hold for lower taxes
Tax-free balance for your
_portfolio
Make
_ Here are three sim~ideas that can help reducff-your tax MII:
I Invest fdr tax-exempt income. Municipal bonds, for example,
pay interest that is exempt from federal income tax and,
in some cases, state taxes, as well. This can be especially
advantageous if you pay high state income taxes. You can
actually earn more spendable income from a tax-free
bond than from a comparable taxable bond with a higher
interest rate. Some tax-free bonds may be subject to the
alternative minimum tax.
on more to your heirs
Invest in a retirement plan. Investing in an employer-
sponsored retirement plan, such as a 401(k), is probably one
of the best ways to defer income tax. Plus, contributions
to the plan are deducted from your taxable income, so
you're not taxed on what you contribute. If you do not
have a qualified plan at work, you can still contribute to
an individual retirement account (IRA). In addition to the
current tax savings offered by these plans, contributions
and earnings grow tax-deferred until ~thdrawn."
Invest in a tax-deferred annuity, another option for
retirement savings. Although an investment in an annuity is
not tax-deductible, your earnings grow tax-deferred until you
begin withdrawing" money. Unlike with IRAs and employer
plans, there are no limits on annual annuity contributions.
rat¢s? .1
tsured ' ,
To learn more about sound investment strategies that
offer tax relief, call your local Edward Jones investment
representative.
*If you need to make a withdrawal from an IRA and you am younger than 59~, you may be subject to a
10 percent IRS penalty on the earnings.
~tf you need to make a withdrawal from an annuity, any accumulated earnings are taxable at the time of
the w+thdrawal. In+ addition to income taxes, you also may be subject to a surrender charge by the issuing
insurance company, and if you are younger than 59~A, you may be subject to a 10 percent tRS penalty on
the earnings.
Better borrowing from Edward Jones
If this tax season brings a
tax bill, big or small, Edward
Jones has options for making
that payment easy on you.
Of course, our convenient
borrowing solutions are
available for any borrowing
.need at any time of the year.
~frm~
securities and can increase
your credit line by consoli-
dating additional investments
into your Edward Jones
account. "Write Your Own
Loan" checks provide you
with the fastest and most
yoh own, so let Edward
Jones Mortgage" show you
what a home equity loan or
line of credit can do for you.
We offer a wide range of
flexible terms and payment
options, and the potential tax
convenient way !o access benefits of tapping into your
your Personal Line of Credit. home's equity can make it
You'll love the convenience; even more advantageous.
Not only do your investments .............. a
contribute to your net worth,
they provide you with an
immediate and completely to learn more.
confidential Personal Line
of Credit: You can typically
borrow up to 50 percent of
the value Of your eligible
The experts at Edward Jones
are just a phone call away
to provide you advice on
getting the most out of your
home. Contact Edward Jones
Mortgage at888-304-9242.
*Our line of
be
If the value of
lbe
loans in New Hampshire under License
Banking Licensed Mortl~ge Banke~. Hon~
A. ,ights resenmd.
Save this in_s-,..,'t until Anril 15. 2003
