PER SPEC T I
FIXED INCOME YIELDS
ANNUAL PRE-TAX YIELD OF FIXED RATE INVESTMENT OPTIONS
Treasury and Municipal bond rates from www.bloomberg.com , September 3 2009. Corporate bond rates provided b Moody's as of September 2, 2009
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'Guarantees provided by life insurance products are subject to the claims-paying ability of the issuing insurance company.
Annuity arbitrage involves the purchase of both an annuity and life insurance policy and all standard issues and risks would apply. The differences in methods of pricing products between the different insurance
carriers may not be sufficient for the strategy to be effective. If an annuitant lives beyond his/her life expectancy, payments will continue at the same dollar value but they become taxable entirely as ordinary income.
Any policy withdrawals, loans, and interest will reduce policy values and may reduce benefits or cause the policy to lapse.
*Securities offered through NFP Securities, Inc., (NFPSI) a Broker/Dealer and Member FINRA/SIPC. Schechter Wealth Strategies is an affiliate of NFP Securities, Inc. and a subsidiary of National Financial Partners
Corp., the parent company of NFP Securities, Inc. Schechter Wealth Strategies and NFPSI do not offer legal or tax advice. Clients must consult with their tax and legal advisors.
September 24 • 2009
Fundraising from page 47
It had become clear that over
the past 15 to 20 years of unprec-
edented wealth, the Jewish com-
munity has built up a system that
may have not been sustainable
even if the good times had never
The most glaring example is the
day school system.
Day schools are perhaps the best
Jewish identity-building initia-
tive, but tuition costs have been
rising, and an increasing number
of observers and families have
complained for some time that the
system was just too expensive.
Similar arguments could and
have been made about many sec-
tors of the Jewish nonprofit world,
from camps to social service agen-
cies to synagogues.
Yet before the economy hit the
skids, few organizations and insti-
tutions felt the need to take a hard
look at whether there was room
to reduce their costs and reorient
their strategic directions.
Now they are being forced to sit
down and take that look. 17
VS will hold its annual
meeting at 4:30 p.m.
Thursday, Oct. 1, at its
Southfield Rose & Sidney Diem
headquarters building, 29699
During the event, Detroit
Popcorn Company will be honored
with the JVS Community Partner
Award. The company has collabo-
rated with JVS for more than four
years to help people with disabili-
ties build their skills. Individuals
who are placed at their site make
and package cotton candy and
assemble holiday tins, among other
JVS will also celebrate the
30th anniversary of its Adult Day
Program, which offers work oppor-
tunities to people with severe dis-
abilities at the JVS Work Center in
From six locations in metro-
politan Detroit, JVS provides career
development and employment
services; vocational rehabilitation;
specialized senior adult programs;
youth services and financial educa-
tion to more than 12,000 people
qualify for this proven strategy that has been recommended by many of the area's top law, accounting and
money management firms. Program minimum: $250,000
consult with you and your advisors on ways to provide guaranteed income for today and a return of principal