Structured Settlements

If you were awarded a structured settlement and you are currently receiving payments or will be receiving payments in the future we can help you obtain your cash now.

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Available day and night, just a phone call away and with amazing response and delivery time. We are committed to a dedicated focus on your financial needs.

Annuity Purchasing

Do you know that nearly 100 million Americans have prepared for retirement by purchasing annuities? Fixed annuity payments can deliver you a reliable flow of income.

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Structured Settlement and Annuity Buyers

In life, it is difficult to anticipate events. When the unanticipated happens, Rising Capital is there to provide cash in exchange for annuities and settlements. Turn these long-term periodical payments into immediate liquidity and cash in the money that’s rightfully yours, today.

Future Payments Now!

When circumstances change, individuals may not be fully satisfied with their annuity payment plan. Indeed, they may require money sooner than the annuity would pay out. Individuals seeking a way out can elect to sell their structured settlements for immediate cash now.

Upfront Cash for Your Structured Settlement or Annuity

When you choose to convert your structured settlement or annuity into a one-time issued payment, you are giving permission for a company to receive all your regular installments. In return, you are given a large cash payment. Instead of receiving a paltry check every payment period from your court case or insurance company, you receive instead a large, one-time issued payment. In fact, many of our clients prefer transforming this complicated defrayal into dollar bills they can hold in their hand.

You can also elect to sell just a portion of your future payments for a quick lump sum and still leave a substantial amount of money in your annuity or structured settlement to receive in the future.

Whether you decide to sell your entire annuity/structured settlement or just a portion of it, Rising Capital Associates can work with you.

Contact Rising Capital Associates If You Don’t Want to Wait

Did you know that the average annuity pays out its recipient over a period of 25 years? If you don’t have that long to wait, call us now for a free estimate of what your policy is worth. Call us today at 866-444-5061

Make your dreams happen.

We will take care of your lump sum purchase for your structured settlement,
annuity, or lottery payment.

4 Things You Should Know About Annuities

28 / 08 / 2017 / 0 comments

annuitiesAn annuity is a contract made between you and an insurance company where, in exchange for a lump sum payment, the insurance company will provide you and your family with long-term care benefits, a source of income, asset growth, and a death benefit. Types of annuities include: joint, individual, impaired life, guaranteed, fixed, variable, immediate, and deferred; the most common being a Fixed Annuity.

However, as enticing as annuities may seem to those who are nearing retirement, annuity payments can be tricky, inflexible, and binding. Nevertheless, for those who have run out of options for IRA and 401(k) funding, annuities begin to look like an appealing option. If you are unfamiliar with annuities and what they offer, then you’ve come to the right place. Here are 4 things you should probably know about annuities before investing in one:

1. Annuities don’t offer tax deductions immediately.

Any annuities that are purchased externally from an IRA are funded through the means of after-tax dollars. In simpler terms, you won’t be getting a tax break right off the bat by investing in an annuity. 

2. Most annuities have early withdrawal penalties

Unless you are faced with a debilitating ailment or pass way, you and your family are not allowed to make early withdrawals from your annuity. If you do, you will be faced with a hefty penalty. Normally, you will be charged with a fine of 10% of your withdrawal amount in the event you take money out of your annuity before your allotted time. The same rule applies to IRA’s and 401(k)’s: if you decided to withdraw money before the age of 59 ½, you will be penalized with a 10% fine of your withdrawal amount.  

3. Things get expensive if you cancel

If you break the signed contract made with an investor and decided to cancel your annuity plan, you will be held accountable for a significant amount of money. This is typically known as a surrender charge and based on the investor you purchased your annuity from, you will be required to pay approximately 7% of your total funds during the first year. The only sure way you can avoid paying a surrender charge is if you decided to cancel your plan during the first 30 days.

Of course, similar to the penalties for withdrawing funds early, there are a few exceptions in which you won’t be required to pay a sum of your money if you cancel your plan early. If you become disabled, terminally ill, or pass away, you or your family will not be faced with fines upon canceling your annuity plan.

4. Annuity withdrawals are partially taxable

Any withdrawals that are made from your annuity will be subject to taxes. However, the taxation rules and process differ from your standard IRA or 401 (k).

In the case of an annuity, you will be taxed in what they call a ‘last-in, first-out’ basis. This means that when you make your withdrawals, your money will be classified as ‘earnings’ and therefore, will be taxed. However, this will no longer be the case when the overall value of your annuity becomes lower than the sum you paid in premiums.

Sell Your Annuity or Structured Settlement with Rising Capital Associates

Annuities can be a very difficult investment to take part in and requires many rules, terms, and guidelines to be followed accordingly. However, there are many people who decide to invest in an annuity and later find that it does not meet their expectations or simply can no longer afford the premiums that are required of them to pay.

If you find that your annuity no longer fits your current needs, sell your annuity payments for cash. We will purchase your unwanted annuity and in exchange, will provide you with a lump sum paid in full! With our services, you won’t ever have to worry about losing your annuity money through the penalties of canceling your plan early. Why wait when you can have your money now?  

Boost Your Retirement Savings With These 5 Tips

20 / 07 / 2017 / 0 comments

 

retirement-savingSaving for retirement can be difficult for many but it is definitely feasible with the right gameplan.

The following tips can help to put you on the right track towards retirement:

1. Invest in a 401k

It’s advisable to contribute to your 401(k) plan as soon as you are earning an income that will allow you to set aside money.

You should contribute to your 401(k) as soon as your financially able to.

In 2017, the maximum salary reduction contribution to a 401(k) plan is $18,000. You will be allowed to contribute an extra $6,000 to your savings if your 50th birthday is this year.

2. IRA Catch up Contributions

Regardless of whether you have a savings plan for retirement, alternative options are out there that can help you save money. Roth IRAs and IRAs can give you a huge start on saving for retirement. The minimum contribution is $5,500 and increases by $1,00 after age 50.

3. Simple IRA Catch up Contributions

If your company has a SIMPLE IRA, you can contribute a minimum of $12,500  in 2017 and once you are over 50 years old, you can contribute an additional $3,000. Annual adjustments are possible with basic and catch up contributions for SIMPLE IRAs

4. HSA Contributions

This type of contribution is great if you have a high-deductible health plan. This HSA allows you to contribute to a health savings account on a tax-deductible basis. The contribution depends on several factors and varies for every individual based on whether you have self-only coverage or not.

HSA contributions are perfect if you have a health care plan with a high deductible as you can contribute on a tax deductible bases. The contribution is dependant on a variety of factors, and differs for every person based on if  you only have coverage for yourself or not.

5. Social Security Benefits Delaying

At age 62, you can begin collecting social security benefits. You are able to increase the benefits of monthly coverage when you delay the benefits past full retirement.

For example, those at full retirement age (66) who chooses to delay the benefits until they turn 70, will notice an increase in their benefits by 132 percent 

While you are able to collect social security benefits at the age of 62, you can get more benefits if you postpone it til you are older. Delaying benefits til age 70 generally increases those benefits by over 100%.(Source).

 

Not Saving Enough For Retirement Is The Regret of Many

19 / 06 / 2017 / 0 comments

saving for retirementThere are many things in life that change as we get older.

As we age, our needs, wants, and obligations alter and we eventually retire from our jobs. Although the concept of retirement sounds great, it may be nothing more than a pipe dream if you don’t have sufficient money to fund your it. 

Many people live with monetary anguish and wish that they had better money management skills in their younger years. Not saving for retirement is one of the biggest regrets that retirees deal with. Among Millennials, 11 percent are worried about not saving early enough for retirement while 18% among Gen X are worried about this same thing followed by 39 perfect of Baby Boomers (Source).

Saving Is Never a Bad Thing

Saving money isn’t easy and requires a great deal of discipline. By starting a retirement savings account early on in life, you will have a longer period of time to contribute.

Turning to others, such as family, for financial support can be difficult on both parties involved which is why having a decent savings account is essential in all stages of life, especially retirement.

Once you retire, there are other types of hurdles to overcome. You may have a variety of expenses such as: 

  • Medical bills
  • Assisted care costs
  • A mortgage
  • Cost of a spouse’s funeral
  • Any existing investments

While saving money for retirement is difficult for many, it can be impossible for some due to their salary. According to a recent study, 76 percent of Americans live paycheck to paycheck and 27 perfect of them have no savings at all (Source).

How to Start Saving For Retirement

It’s beneficial to start saving for old age as soon as you can, with the perfect age being your mid 20’s.

Putting aside as much as you can afford, whether that is $50, $100, or $300 a month, will drastically help when you are older. Many times, an employer will assist you with a 401 k match which will become accessible once you retire. Many times, the amount that you can contribute depends on your personal financial situation and you can only put in so much as bills and obligations get in the way.

In order to save, we must be in the mindset that it is not ‘option’, it is mandatory.

Starting to save is the hardest part but once you realize that is it essential to contribute to a savings and retirement account, it becomes easier to put that money aside each month. Remember that starting small is fine and any little bit counts. As your income increases, consider putting more into retirement in order to have a sufficient lump sum come retirement.

Statute of Limitations

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