RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Cany Yer Co le BONDING EXPERIENCE Investors with an interest in low-risk vehicles such as certificates of deposit (CDs) may want to give some consideration to federal savings bonds, which are issued by the U.S. Treasury Department and are backed by the full faith and credit of the federal government. Series I savings bonds pay interest based on a fixed rate (which remains for the life of the bond), as well as a variable rate (which is calculated twice a year on the basis of changes in inflation). While interest income from CDs is subject to federal, state, and local income tax, savings-bond income is exempt from state and local tax. The downside is, purchases are limited to S10,000 annually for each Social Security number. It's important to note that if you plan on cashing out a larger number of bonds, you will need to be prepared to report them on your taxes. To learn more about how we can help with your retirement goals, call us today to schedule a consultation. Our evidence-based investing philosophy offers a prudent, strategic approach designed to help investors achieve their retirement income and financial goals. Investors can report the interest earned on a savings bond on their tax form every year, or they can defer reporting the interest until they file a federal income tax return for the year in which they redeem the bond, give up ownership, or stop earning interest. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com | www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will Í outlive my money?" Rob Ryan isa Reglatered Representative offering securities and advisory services threugh Reyal Alliance Associates, Inc. a registered broker dealer and registered investment advisor, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Centary Park Drive ie Yubu City. CA Insurance L. rOCOs959 RETIREMENT PLANNING With Rob Ryan ZRYAN WEALTH MANAGEMENT Cany Yer Co le BONDING EXPERIENCE Investors with an interest in low-risk vehicles such as certificates of deposit (CDs) may want to give some consideration to federal savings bonds, which are issued by the U.S. Treasury Department and are backed by the full faith and credit of the federal government. Series I savings bonds pay interest based on a fixed rate (which remains for the life of the bond), as well as a variable rate (which is calculated twice a year on the basis of changes in inflation). While interest income from CDs is subject to federal, state, and local income tax, savings-bond income is exempt from state and local tax. The downside is, purchases are limited to S10,000 annually for each Social Security number. It's important to note that if you plan on cashing out a larger number of bonds, you will need to be prepared to report them on your taxes. To learn more about how we can help with your retirement goals, call us today to schedule a consultation. Our evidence-based investing philosophy offers a prudent, strategic approach designed to help investors achieve their retirement income and financial goals. Investors can report the interest earned on a savings bond on their tax form every year, or they can defer reporting the interest until they file a federal income tax return for the year in which they redeem the bond, give up ownership, or stop earning interest. To contact Rob Ryan: (530) 671-2100 retire@ryanwealth.com | www.ryanwealth.com Go to my website www.ryanwealth.com and request a Second Opinion analysis report! And help answer the question: "Will Í outlive my money?" Rob Ryan isa Reglatered Representative offering securities and advisory services threugh Reyal Alliance Associates, Inc. a registered broker dealer and registered investment advisor, Member FINRA. SIPC. Additional advisory services, insurancer and Estate Planning offered through Ryan Wealth Management are independent of Royal Alliance. Principal of Ryan Wealth Management, Inc. located at 463 Centary Park Drive ie Yubu City. CA Insurance L. rOCOs959