Smart Is The New Rich is the indispensable retirement guide to winning financially in the "New Normal." All-time low interest rates mixed with all-time high stock markets have put retired investors and those near retirement into the cross hairs of history. Experts agree: The markets can rise, but something has to give at some point. Where will you be when the music stops? In retirement, there are no "do overs." Smart Is The New Rich reveals your risks, considers the alternatives, and helps zero in on practical solutions.
Published by: IQ Wealth Press
Date published: 03/29/2013
Edition: 1st
ISBN: 098905389X
Available in Paperback
IQ Wealth Management
Financial Advisor
Steve Jurich, Retirement Coach, Wealth Manager, and Founder of IQ Wealth Management, speaks more like a favorite professor than an insurance agent, or even a retirement adviser. Unlike the breed of annuity agents who use pressure tactics and tired lures like “free steak dinners” to gain captive audiences, Jurich’s priority is creating more informed consumers. He takes time to make sure his clients understand the range of options available to retirees so they become better educated investors on the whole. That investment of time is a significant one for Jurich (pronounced “Jur-itch”), but he believes the results his clients see in their portfolios speak for themselves. It’s been said that “knowledge is power,” and when that knowledge is applied wisely, Jurich believes it can lead to a desirable destination: lasting wealth. Besides his role as a Wealth Manager (, Jurich is a leading expert on Hybrid Index Annuities and Index Universal Life Insurance ( . He is the Editor-in-Chief of, and host of the popular radio show, Journey to Wealth, on Money Radio. His company, LYON Pension Group, specializes in defined benefits and profit sharing plans for business.
7702 E Doubletree Ranch Road, Suite 300
Scottsdale, AZ
United States
[email protected]
480-902-3333 is a privately owned website published by IQ Wealth Management, an accredited member of the Better Business Burueau with an A + rating. Owner and founder Steve Jurich is a Certified Income Specialist™ who has been counseling retirees since 1994.
7702 E Doubletree Ranch Road, Suite 300
United States
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IMMEDIATE HELP: (480) 902-3333

IRA Rollovers & 401k Rollovers

The choice of where to place your 401k or IRA rollover is one of the biggest decisions you will ever make. One day, maybe soon, you will want your rollover to provide you with a reliable, sustainable income that you can never outlive—like a pension. At the same time, you may not want to give up access to the principal. In the past, you had to give up one or the other–you could not have both features in the same IRA rollover account. Today, that has changed!

Access to principal values, guaranteed income at higher rates, and the potential for growth of your account based on the upside of the market without downside risk—all are now available in high quality, world class annuities from the nation’s leading insurers.

What’s important to you in a 401k or IRA rollover? Safety? Security? Growth? Income? Low fees? Flexibility? Is it possible to have all of these features in one diversified account with solid guarantees? Today, many retiring engineers, managers, and teachers are finding the answer is yes, and they are turning their focus to Hybrid index annuities in Phoenix, Scottsdale and Palm Springs.

Face it, you can no longer afford setbacks from market declines and invasion of your principal by steady fees and expenses. At™, we know your goal is being financially secure and stress-free as you enter your retirement years. You want to stop worrying, yet you don’t want to fall asleep at the wheel. Your money still has to be working hard while you take time to stop working.™ is your source for top yielding 401k rollovers, and for the best yielding IRA rollover in Phoenix, Scottsdale, Gilbert, and Palm Springs. You want safe, reliable and sustainable income. Those in the Phoenix or Palm Springs areas may be interested in learning more about 401k and IRA rollovers, and the associated advantages of rolling your account over to an annuity. No other financial tool can pay a guaranteed reliable, sustainable, and uninterrupted income, funded for life by a legal reserve insurer.

In fact, you may want to explore the many benefits of the new generation of Hybrid annuities, which combine upside market potential and protection against downside loss, integrated with a form of personal pension income that you can turn on and turn off as you see fit (flexibility.) Because it combines so many benefits, found and derived from various types of annuities, it is known as a “Hybrid” income annuity.

We know that no one wants to face their retirement years worrying about whether they will have enough income to last for life. This is a time when you want to live comfortably and enjoy a slower pace, without money worries. The information below will help you better understand IRA and 401k rollovers, hopefully answering key questions.

First of all, you can roll your 401k or IRA into any form of annuity—fixed (CD type), variable, immediate, or Hybrid Index—with no tax consequences. The process is simple, involves standard paperwork (which we are experts in), it is safe, and it is highly regulated for your protection.

Your funds are transferred directly within IRS rules—the rollover is not a taxable event because both the 401k (403b for teachers) and the IRA are classified as tax deferred vehicles under the same Section of the IRS code.

The letters “IRA” can stand for Individual Retirement Account, Individual Retirement Annuity, or Individual Retirement Arrangement—all pass muster with the IRS.

Life insurance companies are the only bonafide issuers of annuities and serve a dual role as registered, recognized IRA trustees in the eyes of the IRS. There is no issue whatsoever rolling your 401k or 403b into an annuity IRA. It is done every day of the week, in the billions of dollars every year.

If you are not yet 59 1/2 years old, you may worry that you will be penalized tax-wise for withdrawing from your 401k or IRA account. This is not true when the rules are followed. If your goal is to simply transfer your account into an IRA deferred annuity to keep growing your future lump sum or income, it is a non-taxed event. Both your existing IRA account and the new IRA annuity account are classified as tax “qualified” accounts.

By contrast, if you attempted to roll over your 401k or IRA into ANY non-qualified account—annuity or otherwise, you would then have a taxable transaction. This is easily avoided. That’s where™ can help. We make it simple, stress-free and easy.

No matter your age, a direct rollover or transfer are not taxed at either the federal or state level, when all the paperwork is in order. While there is a 10% federal penalty tax for individuals who withdraw from their accounts before reaching age 59 1/2, this can be avoided if you are looking to start your income right away (not common, but do-able.) If you are under 59 ½ and seeking income, you can set up your annuity to pay you (or you and your spouse, jointly) over your lifetime, a tax penalty will be avoided. If you are over 59 ½, this is unnecessary. Alternately, you may want to consult the IRS 72q and 72t rules to determine an amount you can withdraw without exceeding the level that will incur a tax penalty. Either way, it is advised that you consult with a financial advisor or planner to determine if this is the best solution for you prior to purchasing an annuity.

We realize that the topic of annuities, 401k and IRA rollovers are complex, and not always easy to understand. Unlike other methods many individuals use in an attempt to “protect” their financial future (investing in stocks, bonds, mutual funds and other securities), annuities offer true protection—in the form of safety, yield, liquidity, income guarantees, and flexible access to principal.

The right annuity can be as close to risk-free as you can find in the 401k or IRA rollover universe.

Compare Annuities Free

The™ system can compare over a thousand annuities to find the annuity or annuities that are right for you. There is no need to become stressed or concerned. Our goal is to provide you with expert advice and honest answers.

Our commitment to you is to help you compare, sort and find the best retirement opportunities. We’ll help you with all of the answers and guidance you need from a recognized educator in retirement income planning, any time of the day or night. We not only answer your questions regarding 401k and IRA rollovers into annuity IRA’s, we provide you with guidance and will recommend products that we feel would benefit you most. Even better, we do the paperwork so you don’t have to! Contact us today, and let us help ensure you that your retirement years are everything you dreamed of.


Retirement Kit

Make the most of your IRA, 401k, 403b or Defined Benefit Rollover

  • Protect your principal
  • Receive 8% to 12% Bonus Match
  • Grow income 5% to 9%
  • Lock in a lifetime income that can never be outlived
  • Benefit from market's upside with no downside losses
Steve Jurich Book

What people are saying about SMART IS THE NEW RICH,

an Amazon Best Seller in 3 categories
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Must read

I'm a Certified Financial Adviser and if I didn't run my own company I would join this guys'. Seriously, it's a must read in today's new financial reality in fact….I'm handing these books out to many of my clients for free, it's THAT important! Thanks Steve, I hope to meet you in person one of these days.
Yuerg E.

Yuerg Eichmann March 17, 2016

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Must read for retirement planning

"Smart Is The New Rich" is a great overview of the many facets of retirement planning. It has changed my thinking about how much capital I have versus how much income I will have in retirement. The book provides easy to understand, side by side comparisons of risks and growth of hypothetical investments in Hybrid Fixed Indexed Annuities and the securities market. A good read and great reference for retirement planning for all age groups!

William Thomas March 17, 2016

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Straight talk about retirement strategies

The SMART thing to do is buy this book, read it, tell your friends, and keep it handy for future reference. It is an easy read, interesting, clearly written, and full of valuable information. "Smart is the New Rich" gives a practical, no-nonsense approach to the "de-accumulation phase" of investing, and is helping me sort out my retirement plan. Of particular interest is the clarification of the strengths and weaknesses of the various types of annuities. Although the charts and graphs are a bit small in the book, the Kindle version allows expansion of the text and therefore easy to read. If you are nearing retirement, and seeking a reliable and sustainable income for a lifetime, I highly recommend you read this book!!!

Carol March 17, 2016