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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How To Benefit from the Tax-Exempt Rollover Rules to Move Your IRA or 401k into a High Quality Index Annuity

Can I roll over my 401k, IRA, or 403(b) accounts into an annuity without paying taxes?

YES. In fact, it is simple as 1,2, 3. Your new annuity simply becomes your new IRA. here is no NO TAX on the rollover or transfer. Billions of dollars of IRA transfers go into annuity IRAs every year. It is seamless– There is no charge, no fee, and no tax on the transfer process.

Many FIA’s offer a premium bonus upon opening your new IRA. 100% of your money, plus the bonus amount can go to work right away, with no deductions or sales charges.

Additionally, you can have your employer roll over your 401(k) funds into your new low cost, principal protected Annuity IRA without withholding any taxes. We help every step of the way to make it easy. Here’s the key: You will not be taking the annuity out of the status of being an IRA at any time, therefore the transfer is tax exempt, and there are no taxes to be withheld. The paperwork is identical whether IRA or not—we merely check the box for IRA status when rolling from your 401k, 403b, 457, or IRA. Roth rules are the same—you can transfer your current risk-based Roth IRA to a Secure Annuity Roth IRA. It is not a taxable event.

Do you provide assistance with IRA or 401k rollovers?

Yes, more than 70% of our business is in the area of rollovers and direct transfers of IRAs, 401ks, and 403bs—both Traditional and ROTH. It is a particular specialty of ours and we can make the process very simple for you. Annuities cannot be purchased by clicking on the internet, however. Your only decision is whether you would prefer to meet with a licensed agent, or if you would rather open your account through the mail and telephone method. For help, simply call us at 1(888)310-1776.

How can I find and purchase an IRA annuity?

It starts with your choice: Hybrid or immediate annuity. With immediate annuities, the process is very simple. It is easy to locate and choose an immediate annuity because it comes down to ratings and rate of payout. We’ll give you quotes from the leading carriers. We only work with top tier carriers—the same as you will see on any major website on the internet. There is no need to work with an agent on the east coast if you live in the Western United States. We are licensed in Arizona, California, Utah, and Texas for example, and can match you with an ethical agent.

For a Hybrid Annuity IRA transfer, we recommend meeting with a licensed agent using our GPS system. Locating and purchasing an IRA annuity is simple. Your first step is to review the annuity rates located on our web site. As Accredited Members of the Better Business Bureau and state regulated, our agents do not ever come into contact with your funds. Transfers are insured and move from one regulated institution (your current IRA custodian) to another regulated institution (your new IRA custodian.) The paperwork is similar to mutual fund paperwork—an annuity application and a direct transfer authorization form, enabling you to begin the roll-over process immediately. We will assist you in completing the necessary forms, after which the insurance company will complete the transfer. The services we offer are free of charge.

My retirements funds are currently residing in a 401(k) account, held with my employer. How do I roll over these funds to an insurer?

Depending on your employer, you will have different roll-over rules and procedures. Your first step is to contact your human resources department and ask it they have employer specific forms for you to fill out. Generally it is a four page form where you will name your new IRA Custodian (the annuity/insurance company.) Again, this is a simple process and we will help you every step of the way!

I am under age 59 1/2. What tax penalties will apply to me?

You can transfer from any IRA account you currently have into a Hybrid IRA annuity with no tax consequence when you use the proper paperwork. There is no check to write and you will not lose any money or be assessed with any tax or withholding. If you are thinking of making withdrawals from your IRA or 401(k) but you are not yet age 59 1/2, BE CAREFUL! One popular idea is to use the proceeds from a Hybrid annuity to acquire Index Universal life insurance, using IRS 72t or 72q rule levels. Under this circumstance, the IRS code allows for bypass of the 10% penalty for withdrawal prior to age 59 1/2.

IMPORTANT DISCLAIMER: This information is not intended to provide tax or legal advice. Before making any decisions related to the rollover of a qualified account into an annuity or any IRA account, you are advised to consult with proper legal or tax professionals to determine the tax consequences in your financial situation. Thank you.

For prompt assistance call (888)310-1776.


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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