Safe Income Strategies from the

Retirement-Toolbox Bank CD Alternatives paying more than 7 times the one year Bank CD Rate!

Paying more than double the 10 year
U.S. Treasury Rate.

Have you been rolling over CDs because you fear more Stock market losses? 

 Did you or a love one save and sacrifice for many years to create investment money, only to see it cut in half when you need to tap the funds?

Now you can’t take the yo-yo volatility and gut wrenching losses of your hard earned money?

You are not alone.  Stocks, bonds and mutual funds were all impacted by market volatility. 

During the Financial Market Meltdown of 2008 and 2009, the NASDAQ and S&P 500 were down 40% and many people saw their IRAs, 401(k)s and 403(b) retirement funds cut in half,  putting them in the position of needing to double their remaining funds just to get even.  Historically, funds left in the stock market will take between 8 and 16 years to double.

Rolling over Bank CDs has become a long-term strategy, but you are only earning short-term returns on your money.


  • One year Bank CDs are paying less than 1%.

At that rate it will take more than 72 years to get even.

  • 10 year U.S. Treasury notes are paying less than 2%.

At that rate it will take more than 36 years to get        even.

  • 30 year U.S. Treasury Bonds are paying less than 3%.

At that rate it will take more than 24 years to get even.

And that assumes you don’t touch the interest and reinvest it at the same rate.  Most of us won’t live long enough, and we need the money for living expenses.

A Solution

You can earn 5% to 6% with discounted designer annuities. That is more than 7.0 times the one year CD rate and 2.0 times the 10 year U.S. Treasury Note.

When you invest in a discounted designer annuity, you know how much you will receive, when you receive it and for how long you will receive.  It is certain, steady and reliable.  No mystery, you can count on it.

 Discount Designer Annuities work like this:

 Someone settles a lawsuit and receives a court approved payout in the form of a Structured Settlement Annuity.  This Structured Settlement Annuity is purchased from the Insurance Company, and the Insurance Company pays and guarantees the payments.

I call these Discounted Designer Annuities because no two Structured Settlement Annuities are identical.  Each is designed and tailored to the payout needs of the recipient.  Unlike an off the shelf immediate annuity, where the amount of the payment remains the same over the payout period, structured settlement annuities may have increasing payments, say 2% every 12 months to protect against inflation.  There may be bonus or lump-sum payments to provide for an anticipated future event, college tuitions, weddings, etc.

Besides the same safety and guarantees, the off the shelf annuities and structured settlement annuities both have no surrender option.  Once the payout begins, the annuity policy cannot be surrender for a lump sum of cash.

The reason is the Insurance Company has locked in a long term low interest liability, and it is earning more money on the premiums received than it is paying out on the annuity.  That is how the Insurance Company makes its money.  Investing premiums at higher rates than it pays out.  They have locked in the spread, and won’t give it up.

That is where we step in.  We provide the liquidity where no liquidity exist and buy the future payments at a discount.  In this economy, you can lock in yields of 5% to 6%.  The court approves the assignment to you, and the insurance company makes all future payments directly to you.

You get a Steady Reliable Income Stream you can count on, paying more than Bank CDs, Money Markets and Treasuries, without the downside risk and volatility of Stocks, Bonds and Mutual Funds.

When you invest in a discounted designer annuity, you know how much you will receive, when you receive it and for how long you will receive.  It is certain, steady and reliable.  No mystery, you can count on it.

The Insurance Companies are highly rated.  Many have been in business for more than 100 years, some 300+ years.

We have found Discounted Designer Annuities are perfect for people looking for steady reliable income streams, for self-directed IRAs, 401(k)s, Trust Accounts and for funding Charitable Pledges for pennies on the dollar.

Call me for more Information

Visit the for sample offerings.

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Bruce E Cox CPA

Retirement-Toolbox Inc

240 Regina Street

Philadelphia PA 19116




[email protected]

 P.S.  If you don’t mind forking over 40% of your retirement savings to pay for more reckless government spending, then keep doing what you have been doing.

Politicians count on uninformed taxpayers to pay for their bridges to nowhere, their earmarks, failed stimulus, Solyndra and taxpayer bailouts.

Be smart.  Let the uninformed pay.  You don’t have a Patriotic duty to pay more taxes than the law requires.

        “Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury. There is not even a patriotic duty to increase one’s taxes. Over and over again the Courts have said that there is nothing sinister in so arranging affairs as to keep taxes as low as possible. Everyone does it, rich and poor alike and all do right, for nobody owes any public duty to pay more than the law demands: Taxes are enforced exactions, not voluntary contributions. To demand more in the name of morals is mere cant.”

–Honorable Learned Hand, U.S. Appeals Court Judge, Helvering v. Gregory, 69 F.2d 809 (1934)

*       During the Financial Market Melt Down of 2008 the Nasdaq and S&P 500 were down 40%.  Many people saw their IRAs, 401(k)s stocks and mutual funds cut in half, putting them in a position of needing to double their remaining funds just to get even.  At 6% that will take 12 years.

Imagine saving and sacrificing for 20 to 30 years only to have your savings cut in half when you need to tap the funds.

None of our clients investing in the tax-free retirement plan lost money due to market volatility.  Their money was safe and secure. Their income was steady and reliable.

They eliminated market losses and shared in market upsides earning reasonable rates of return



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