Retirees, Stop Paying Cash for Your Car - Here’s Why!

Ready to take action? Speak to the team: →https://to.creativefinancialgrp.com/2... IMPORTANT DISCLOSURES The CFD Companies do not provide legal or tax advice This video is for educational and informational purposes only and does not constitute personalized investment, tax, accounting, or legal advice. All content is general in nature and not tailored to any specific individual. Investing involves risk, including loss of principal. Past performance does not guarantee future results. All examples and scenarios are hypothetical and not predictive of any outcome. Individual results vary based on circumstances, fees, liquidity needs, risk tolerance, time horizon, and market conditions. Tax outcomes, Social Security claiming strategies, Medicare/IRMAA exposure, Medicaid eligibility, capital‑gains treatment, QCD eligibility, and estate implications depend on individual factors and may vary by state. Tax laws, brackets, thresholds, and SSA/CMS rules change periodically —confirm current figures before acting. Roth conversions create taxable income; consider federal and state impacts, including interactions with credits, AMT/NIIT, ACA subsidies, and IRMAA. QCDs require age 70½+, must meet IRS charity requirements, and are subject to annual indexed limits. RMD age is generally 73 (rising to 75 for some cohorts). 0% long‑term capital gains thresholds depend on taxable income and filing status and update annually. Social Security delayed retirement credits accrue only until age 70. NUA and HSA strategies are complex; state tax treatment may differ. Viewers should consult appropriately licensed professionals. References to long‑term care, retirement income strategies, guaranteed income, asset allocation, and asset location relate to general concepts only and are not recommendations. Guarantees within annuity contracts are backed solely by the claims‑paying ability of the issuing insurer. Private investments may be illiquid, speculative, and unsuitable for some investors. Opinions expressed are as of the recording date and may change. Mentions of external agencies, programs, or brands do not imply affiliation or endorsement. Securities offered through cfd Investments, Inc., Member FINRA/SIPC. Advisory services offered through Creative Financial Designs, Inc., a Registered Investment Adviser. Creative Financial Group is a separate, unaffiliated company. Office: 2704 South Goyer Road, Kokomo, IN 46902 • 765‑453‑9600. The views expressed in this video are those of the individual authors and presenters and do not necessarily reflect the opinions of the CFD Companies. All liability with respect to actions taken or not taken based on the contents of this video is hereby expressly disclaimed. The contents of the video are provided “as is;” and although the material is believed to be accurate, no representations are made that the content is error-free.