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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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 future events, especially ones that revolve around your finances. When the unanticipated happens, Rising Capital is here to help you regain financial security. We help our customers turn their long-term periodical payments from a structured settlement into a large, lump sum payment; providing them with the money that is rightfully theirs. Since every client’s financial situation is different from the next, the team of experts at Rising Capital work diligently to find structured settlement buyers or annuity buyers that are the perfect match. It’s our mission to provide our clients with the cash-now option that will grant them the means to financial freedom in their retirement.

Access Future Payments Now!

When circumstances change in one’s life, individuals may no longer be fully satisfied with their annuity payment plan. Many times, this occurs when one is faced with unexpected medical emergencies that result in costly bills. Due to this, they may need access to their money much sooner and in larger increments than what their annuity is currently providing them with. These instances provide individuals the perfect opportunity to sell their annuity plan to qualified annuity buyers in exchange for a large sum of cash immediately. The experts at Rising Capital can give you access to future payments 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 structured settlement buyers or annuity buyers to receive all your regular installments. In return, you will be rewarded with the cash payment you deserve.    

Rising Capital will help you attain instant access to your cash. However, if you are not comfortable selling your entire annuity plan, Rising Capital offers you multiple selling options that best meet your financial needs. If you need to obtain a smaller sum of money promptly, but still want to receive future installments of your annuity plan, our team can help you sell a small portion of your annuity for the lump sum that you need at the moment. After you have sold a portion of your annuity to the right annuity buyers, you will still have a substantial amount of money left in your annuity or structured settlement plan for the future.

Whether you decide to sell your entire annuity/structured settlement or just a portion of it, Rising Capital Associates will work to provide you with the best outcome possible.

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

With over 30 years of industry experience, Rising Capital has assisted in thousands of clients sell their structured settlements and annuities in order to help them achieve a financially fruitful retirement.

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.

How Saving Receipts Can Earn You Money

9 / 03 / 2018 / 0 comments

receiptsIf it was your resolution to save more money during the new year, then you’ll want to stay tuned. Did you know that an efficient way to save money during 2018 can be done by keeping your receipts? However, keeping your receipts is only the first half of the job; the second half requires a touch of research. Try to lend a little bit of your smartphone storage for apps that will give you cashback on purchases you’ve made both online and instore. These types of cashback-savings tools are especially great for grocery purchases that are made throughout the week. By simply uploading their receipts on cashback apps, many consumers have reported saving up to $1,500!

Class Action Lawsuits

In addition to cashback apps, saving your receipts can also prove to be useful in the event of a class action lawsuit. For example, from October 1st, 2015 to May 19th, 2017, there was a class action lawsuit against Burger King and their Croissan’wich breakfast sandwiches. In their lawsuit, officials claimed that many Burger King locations were charging customers a higher price for two breakfast sandwiches when customers used a coupon. Customers who purchased these sandwiches between the specified time were eligible for a $5 cash settlement for each purchase. Though small in comparison to many other class-action lawsuits, many customers were able to claim more than one settlement with their saved receipts. However, be aware that settlements from class action lawsuits aren’t always received in a timely manner. Some affected customers claimed they didn’t receive their settlement until the following year. Scott Hardy, founder and CEO of Tap Class Actions, explains, “The wheels of justice tend to move very slowly. It takes anywhere from six months to a year or more to get paid for any kind of settlement that’s out there.” So, if you are due money from a class action lawsuit, you’ll have to be very patient in receiving your money. Just remember to always attach your receipts for proof when submitting any claims; you’ll be surprised how many consumers forget to do so, resulting in their claim being thrown out.

Tax Season

Saving your receipts can also prove to be very beneficial during tax season. For example, in South Carolina, there’s a new motor fuel income tax credit that went into effect this past January. Any South Carolina residents who saved their receipts from gas fill-ups or car maintenance, can submit them and claim a tax return that will be received in 2019 (source). The South Carolina Department of Revenue explained that this new tax break was designed to alleviate the state’s motor fuel fee that took an increase this year. However, this is not the only instance where residents can submit receipts for tax returns. Those who own a business or are independent contractors have ample opportunities to submit valid receipts that will go towards their tax return–gas receipts, needed items to support their business, educational expenses, etc.

In addition to saving receipts, there’s an abundance of ways to successfully save money this year. Try clipping coupons more often when going food shopping, or enroll in rewards programs that will give your points towards your purchases. The possibilities of saving money are endless.

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).

 

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