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    David RacichPRO
    Fountain Hills, Arizona
    Assuming that the annuities the inquiry is addressing is non-qualified, the following could be true. A few retirement planners use annuities as a tax deferred holding positions for mid-range periods of five years. Some retirement planners use a combination of tax deferred annuities with a 5 year immediate, a 5 year deferred, a 10 year deferred and a lifetime annuitization immediate annuities. Many retirement planners use lifetime annuities that their clients can never outlive.
    Answered on June 20, 2013
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