Rick Lerner, CFP®
Are you prepared for retirement?

Do you have a strategy for investing your retirement assets?

The Income for Life Model® is a comprehensive strategy designed for generating retirement income. Its objective is to provide inflation-adjusted income for life.

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A rollover IRA helps you save for retirement while preserving tax advantages. Rollover IRAs are transferred directly from your employer's retirement plan.

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The Power of an IRA Rollover

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The IRA Rollover:
Options to Consider

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Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC

Lerner Financial, LLC is an independent firm.

Guarantees are based on the claims-paying ability of the issuing company. Index annuities are long-term investments are not suitable for all investors. Surrender charges may apply for early withdrawal and, if made prior to age 59 , may be subject to a 10% federal tax penalty in addition to any gains being taxed as ordinary income. Index annuities are not FDIC insured. Investors cannot invest directly in an index.

The participation rate determines how much of the gain in the index will be credited to the annuity. Investors will not receive any upside participation in the index above the participation rate. Investors also typically do not participate in any dividends accumulated on the securities represented by the index. The interest rate cap is the maximum rate of interest the annuity may earn in a year. The annual reset compares the change in the index from beginning to the end with declines being ignored.

There is no guarantee that any strategy will ultimately become successful or profitable nor protect against loss.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for more information and availability.