From: drsra

From: drsra To: Michael Mader <I Subject: Re: Letter from Transamerica Date: Tue, 31 Jul 2012 14:46:33 +0000 Inline-Images: image002.jpg Since I know nothing about these things, I will take your advice and keep the annuity as it now stands. I would not know where to put the money if I cashed it out anyway. Steve - - On Mon, 7/30/12, Michael Mader 4ti > wrote: From: Michael Mader < Subject: Letter from Transamerica To: ' Date: Monday, July 30, 2012, 5:57 PM Good afternoon Stephen, Just to let you know there was a letter sent to you from Transamerica regarding your Variable Annuity with them. They are offering a buyout of your contract, most likely to avoid the liability of the Guaranteed Minimum Income Benefit (current balance @100k). I would recommend not taking the offer at this time, unless you feel differently. The best option in the market right now is a 7% guarantee for the income benefit however it will take 4 years to get back to the benefit level where you are today. Let me know if you have any questions and talk to you soon. Michael E. Mader, CFP® Veritas Wealth Advisors 8751 W Broward Blvd Ste 203 Plantation, FL 33324 954.990.2252 fax EFTA00940103 Investment Advisor Representative with and advisory services and securities offered through Transamerica Financial Advisors, Inc. Member FINRA, SIPC and Registered Investment Advisor. RDescription: Description: CAUsers1Michael Office1DocumentsT PA ProudMember.jp FPA of Greater Ft. Lauderdale 2012 Board of Directors, Treasurer www.southfloridafpa.org EFTA00940104