Inherited IRA Help - Inherited IRA Adviser - Staying Out of Inherited IRA Hell
 
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  08/27/2014
 
 
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A Supreme Court Ruling June 12th, 2014 pretty well makes it mandatory to obtain professional inherited IRA help BEFORE you do anything.

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You Have Found The Right Person Who Can Help You Right Now

Inherited IRA account holders and beneficiaries searching the internet for free help may easily get conflicting information and outdated data or outright -- wrong advice that may only make things worse.  Some will get the sales "sell up" all because you respond.  Not here.  A trusted and respected long term advisor is ready to take your call about your Inherited IRA (Beneficiary IRA) situation or respond to your email to HELP you RIGHT NOW!  No tricks or games.  Just read some CLIENT TESTIMONIALS, to discover why clients who find me -- stay with me for decades!    

Inherited IRA AdvisorI am M.D. Anderson, a nationally known and published inherited IRA financial consultant in Chandler, Arizona. Thanks for stopping by. My firm, Financial Strategies, Inc., has done Inherited IRA and estate related tax consulting since 1998.

My company has clients in Arizona as well as throughout the United States, and we serve  U.S. citizens living abroad. This is my 39th year of providing multiple financial services.

Now, after all these years of practice, other lawyers and CPA's nation wide request my help to assist them when their own clients have a difficult IRA situation.  Some also hire me to consult on their own family IRA situations. I thank all professional advisors who engage my consulting services.

Most people with problem inherited IRA accounts hire me after calling to chat for free for just a few minutes.  The most common response I get is "You seem to know what you are talking about" or "I like what you are saying because it sounds better than what my local financial advisor is telling me".

I've been called a "saver of money", "financial angel", even "an answer to prayer" over the years in my client work. Over all these years, I am sure some FSI client former advisors that had to be let go due to incompetent advice -- had some non-publishable names for me...

Don't waste your time or mine if you want me to work with a current advisor who gave you bad inherited IRA advice that caused you to research and find either this website or national publications that have interviewed me the past few years.  Few are going to be able to handle this, the most complicated section of the tax code. 

However, I fully recognize and admit that without those bad advisors giving bad advise, I wouldn't get as many visits and I wouldn't get hired as often as I do to fix a problematic inherited IRA situation.

Right now, you need someone who understands both traditional and self directed IRAs and fully knows how they affect estates and living trusts, when they are named as the primary beneficiary.

You should know I am "well connected" with some of America's top legal and tax advisors -- all experts and well versed on Inherited IRAs, Taxation, Estates & Trusts.  

Some of those advisors provide the books and guidelines that all of us inherited IRA advisors must use in our advisory practice.  Being quoted in the same national news articles with tax professionals like attorney Natalie B. Choate and CPA Ed Slott the past few years is truly a highlight in my long financial consulting practice. 

It is also your assurance that you have found the "worker" to fix your IRA problem at a reasonable price factor.  America's advisors continue to malpractice in a  "big way" on client accounts before they die.  This leaves beneficiaries very few favorable options -- until they contact me!

With my resources and experience, I take on some of the largest IRA cases and in almost every instance, I am able to rescue the money from instant or short term taxation.  So, if you call to test my skills, be aware that in order to help you, I may have to first rescue you from the bad advice another advisor may be giving you.


M.D. Stays Busy in 5 Separate Financial Disciplines:

Busy Man1. Accountant:  Estate Tax preparation and Inherited IRA consulting. (Most States)

2. AZCLDP: Certified legal document preparation (Arizona) and paralegal to an International law firm. (worldwide)

3. Realtor:  Professional licensed Realtor and IRA/Estate & Trust owned homes consultant inTempe, Arizona.

4. Insurance Brokerage Firm:  Life-health-annuity insurance sales and consulting in Arizona and Iowa, and other states from time to time.  

5. Wealth Conversion Consultant:  Hard asset consulting and sales of investment real estate (Arizona and by referral nationwide), precious metals in coins and bullion (Nationwide).

My current occupations are mastered and keep me busy.  But also as a former mortgage officer and securities and Registered Investment Advisor Representative, I have a 360 view that few advisors can give in your situation.  


Time to Toot Our Own Horn

Inherited IRA clients can review M.D. Anderson's National publications and interviews.

 Our Recent Inherited or Self- Directed IRA National Media Mentions

&

Interviews:

2014

"Trusts as IRA Beneficiaries!"

Wills, Trusts & Estates Prof Blog

"Naming a trust as your IRA beneficiary"

Bankrate.com

2013

"Self-directed IRAs & real estate", part 1

Life Health Pro Part 1 

"Self-directed IRAs & real estate", part 2

Life Health Pro Part 2

2012

"Avoiding Letting Clients End Up In This Place"

Wills, Trusts & Estates Prof Blog

Our Mention in Attorney Natalie B. Choate's Newsletter May 2012

(She likes the fact we publish "horror stories" of victimized beneficiaries, so the public can be warned)

Choate's Notes 

"Inherited IRAs: a Sweet Deal"

Wall Street Journal 

"A Hellacious Inherited IRA Story"

JoeTaxpayer.com

"Eight Pitfalls to Avoid With an Inherited IRA"

Fox Business News  

"8 ways to go wrong with an inherited IRA"

Bankrate.com  


Warning: The Government wants to take over your IRA...

What's HOT in Inherited IRA Tax News?Busy Businessman

Cutting Tax on Inherited IRA accounts

 

Read All 2014 - 2012 IRA Updates Now!

Latest News: Inherited IRA's Aren't IRA's?


Professional help available right now to avoid needless taxation of your Inherited IRA

Help Awaits for your inherited IRA situation

"I have helped save my clients countless millions of dollars from needless taxation due to bad advisors and bad advice on inherited IRA accounts."

M.D. Anderson, AZCLDP, Accountant, Realtor

To date, since starting my Inherited IRA consulting division way back in 1998 -- I have helped save my clients countless millions of dollars from needless taxation due to bad advisors and bad advice on inherited IRA accounts.

Sadly, the bad advisors were many times formerly admired and trusted by your deceased parent or loved one. Your guard can easily be down if a large Inherited IRA account is left to you and you are given advice by some of these folks who mean well -- but don't really have a clue just how difficult it is to discern the proper steps to preserve IRA money after death so it doesn't get instantly taxed. Or, taxed on a much faster schedule due to mistakes, misdeeds, or advisory malpractice that frankly, I see on every inherited IRA case I work on now.


Whatever you do, avoid these mistakes on your  Inherited IRA

THESE ARE SOME OF THE BIGGEST MISTAKES I SEE ON INHERITED IRA ACCOUNTS

Inherited IRA mistakes happen easily

First, many financial advisors will tell you lump sum taxation is necessary upon the death of an IRA owner, when in fact -- most times it is not. But the human element of grieving, or just the stress of estate management can leave beneficiaries vulnerable. You may not know the right questions to ask before signing paperwork that is not in your best interest. That inherited IRA paperwork, which is most often "wrong" when first sent out, can tax the money instantly.

Second, custodians sometimes tell large IRA account beneficiaries that they will need to just stay on the same Required Minimum Distribution (RMD) schedule with their inherited IRA, as the now deceased IRA owner was on.  That makes for a real easy succession of keeping the money under management or "in house". But, in almost every case, it isn't true!

That means instead of resetting mortality "age" to YOUR birth date - if you are younger, you will have to draw money out and tax it faster than what the IRS requires. Believe it or not, we find numerous cases where the death benefit hasn't been paid and the inherited IRA client had died years before. A recent case was with a west coast client on retainer with our firm. Seems Metropolitan Life's best job of consulting after the father in this case died was to tell the sole beneficiary of the inherited IRA that he had five (5) years to start drawing money. This is complete malpractice as ANY good inherited IRA consultant knows once RMD's start - the five year rule dies too and is never applicable again!!!

Thirdly, you have to get a handle on the currently allowed concept of stretching an inherited IRA out as far as possible. RMD's run 2-6% depending on the beneficiaries age when an Inherited IRA is created. Now, as long as you can earn more than that each year, there is no depletion but instead - increases in the capital values of the account. So, if you are married, you can stretch out payments for your lifetime. Then, your spouse if he or she survives can draw out payments for their lifetime by doing a spousal rollover, thus never creating the "inherited IRA" registration which means you can add years to the stretch period by doing a spousal rollover.

Then upon your spouse's demise, your children can draw out payments for their lifetime. Even your grandkids can continue a  parents payout in a properly set up Stretch IRA account.  Keeping your Inherited IRA going for generations makes a lot of sense!  Don't count on getting it set up properly from your current advisors or your parent's former advisors. After all these years, the odds are not in your favor... (Hey, you found me so things are looking up for you!)

Lastly, my specialty of inherited IRA consulting is an area few can get right  -- but especially if an IRA is left to a trust.  Fixing trust situations that are listed as the primary beneficiary of large IRA accounts (or by default, end up as named beneficiary) is where I really shine.  When a trust is listed  -- things can go wrong -- fast. Assuming it is an IRS "qualified" trust, you won't be able to use your own age...unless you are the only beneficiary. You see, multiple sub-trusts are required in the actual instrument to leave IRA money  "per beneficiary", otherwise ALL Required Minimum Distributions (RMD's) will be based on the age of the "oldest" beneficiary listed. (Pray it's not your 85 year old Uncle...) 

Knowing how to deal with an inherited IRA payable to a living trust (conduit or otherwise) requires professional help. You have about a 10 % chance to get it right without professional help.  Please, don't even try without first giving me a ring or e-mail to let me know your situation.  

The trust needs to be a "conduit" trust to be most effective as a recipient of IRA death claim proceeds. And, it must be deemed "see through" by passing 4 distinct IRS rules  -- all to reset the age basis for those IRS required withdrawals you must start taking the year after the year of the death. Many trusts reviewed after death, (post mortem), are found (sometimes too late) to not be set up properly. Therefore, the hoped for "stretch" desired by the Inherited IRA owner is easily lost in real practice. Inherited IRA's payable to a trust on larger accounts is the norm from most legal advisors and trust creators. Getting it right with the correct wording, well that's another story. 

Inherited IRAYou can read more about some actual client cases with faulty trusts in the Wall of Shame website page. 

And find out what it is like dealing with an insurance company who doesn't know which end is "up" when it comes to proper administration of an IRA death claim.

Or, what experience the frustration of having a sister with sticky fingers. Instead of protecting the family trust wealth, she is spending it! 

Believe it or not, I get a lot of cases that involve Successor Trustee thefts.  And sometimes, theft happens while poor mom or dad are still alive and not doing well mentally.  (A current case I have has about 400k of withdrawals from the estate, mostly from an ATM!)

 LOST: Millions of future "stretch" values...

Expensive Inherited IRA CallOne example of bad misfortune happened in the summer of 2012.  The client retained me as his Inherited IRA consultant late in 2011 after his mother passed away. Due to a grueling work schedule, the client delayed the decision making process on a substantial Inherited IRA account left to him.  Initially, the trusted insurance agent holding the funds reported the account beneficiary was her living trust.  He was wrong...

Sadly, the 9 month disclaimer period expired from the date of death and when I demanded copies of the last recorded beneficiary form, the client got the phone call you DON'T WANT! It was too late to disclaim a bad beneficiary designation on this inherited IRA annuity. A half million dollar IRA annuity was forced to be payable to the estate!  

No, it's not exactly Inherited IRA Hell, but it isn't Heaven either. The 43 year stretch got skinned down to 13.1 years, the money had to go through a west coast state probate process and the legal fees alone got "high" on a needless probate caused by a financial advisor's failure it appears to send in a signed beneficiary form naming her trust as the primary beneficiary.   The agent is guilty of a malpractice event for giving false information that was trusted and relied on.  And, the Inherited IRA stretch or super-stretch projections are no longer possible.

But, the story isn't over.  The living trust was the contingent beneficiary. A beneficiary form assumed signed by the mother before her death appears to  have never been recorded that would have named her living trust as primary beneficiary. The trust "Schedule A" asset sheets notes a check off mark telling us it was most likely signed and given to the agent.

Noting: The trust would have qualified as a "See Through" trust per IRS rules.

Now, for your legal experts, the plot thickens.  Every good trust portfolio has a "Pour Over" Will. And, of course EVERY asset left to the estate or found in the estate at death needs to be retitled as a trust asset after death per the P.O.W declarations by the Testator/Trix. Since the admittance of that Pour Over Will in the western state probate court has now taken place, this beat up and bruised Inherited IRA has to be stuck back into the Living Trust for the duration of the 13.1 years of RMD payments! Questions to whether this is possible or that the funds can be stretched at all are yet to be determined.

Keeping a trust open for years, just so it can pay out Inherited IRA RMD's to a very astute son as the sole heir was another mistake and one I clearly stated when interviewed for an April 14th, 2012 Wall Street Journal article:   (Inherited IRAs: a Sweet Deal) 

Lawyers please think through what you draft when you so easily suggest a large IRA be left to a trust. And consider the consequence of a large IRA left to an estate and how the Pour Over Will by law, forces it into the trust after death.  Most of these estate plans I see after death are full of Trouble with a capital T!

To conclude, the large Inherited IRA funds may yet find their way to the trust since the court supervised probate has recently ended. And because of the "gauntlet" they have to travel through, there is a chance the funds will get taxed after probate as the case is compounded by circumstance rarely found in my Inherited IRA consulting work. Suffice it to say that the mother's intentions are no longer possible and problems caused by bad advisors has and will cost greatly for this client before it all ends.

Read More About Bad Advisors Creating Hellish results at:

INHERITED IRA ACCOUNTS GONE WILD


I've had too many calls from heirs already in Inherited IRA HELL!

Inherited IRA Mistakes can cost you about 50 percent in taxes

TIP:  Seek Counsel at the Outset

An inherited IRA article I was interviewed in, that published in 2012 on bankrate.com and Fox Business.com -- "Eight Pitfalls to Avoid With an Inherited IRA", correctly quoted what you must understand at the onset --  "Seek Counsel at the Outset". No better advice could have been spoken by reporter Sheyna Steiner. Especially if you are an owner or beneficiary of a larger Inherited IRA account that you would like to stretch the years out as far as possible before the bulk of the money actually gets taxed.   

THE HAMMER

Some of my past clients have penned that the "M.D." in my name stands for "M.D. Hammer".  I always maintain a professional attitude but occasionally I have to "get tough" for a client's behalf, while serving their best interests in the Inherited IRA arena. One thing is for sure... I never back down when large financial firms try to intimidate me. (I have never lost an argument since they are always wrong and they eventually always back down or yield)  

Most likely, it is your FINANCIAL INVESTMENT ADVISOR who has caused your specific problem, and I do not normally communicate with them. (Just those who supervise them)

YES, I HELP YOU FIRE YOUR PAST ADVISORS!

I can also assist in discussing problem areas BEFORE death, so the big mistakes I am normally hired on after a loved one dies, can be avoided and eliminated.  As a professional tax consultant and financial advisor, I can't say it any more plainly -- FIX IT BEFORE IT BREAKS!  This in turn, can protect you as well as your current advisors. I can intervene before death occurs and help them NOT to malpractice.  By employing my prevention consulting services before you die, proper education and guidance will guarantee NO ONE ends up in our "Inherited IRA Hell" we talk about in this website. (That is as long as you don't let another bad advisor mess it up again...)

If you are reading this after losing a loved one, you have my profound sympathies. I fully understand just how devastating and overwhelming the estate settlement process can be, especially when placed on top of the grieving process. If you are also an inherited IRA beneficiary, I understand that "deer in the headlights" feeling you may now have. So, I suggest you get some professional help. I have over 39 years of combined tax, investment, mortgage banking, legal and real estate experience in my professional practice.  I have clients nationwide as well ex-patriots in foreign countries.

Frankly, my advisory to fix a problem you now have, or to fix it before it becomes a problem will cost just a fraction -- as to what the true and total cost of a needless big tax or legal mistake could cost you in the long run.

Especially if things go horribly wrong. Keep that in mind when you seriously consider who your ally is going to be in the journey to keep your newly inherited IRA funds away from immediate taxation from Uncle Sam. 

No matter how scared you may be right now while reading this website -- few clients of our firm end up in that "hell" we talk about.  A minimum retainer can help you find out what your current status is.  It's a steal, especially if my tax review reports you have options for stretch IRA potential of inherited funds. But, you need to hire the right person to get the right results. 

The example below shows just how easy you can be in "hell" if you don't know how to play the inherited IRA game: 

A HELLISH EXAMPLE: If you are attempting a self-directed IRA with your inherited IRA money, did anyone yet explain how a simple mistake not caught in the same year it happened -- could cost you a 100% penalty from the IRS? (The custodian legally is charged the penalty, but every custodian is held harmless when you employ them, so the wrong person/company/plan could take your entire IRA!) 

Delaying discovering the mistake in this example could cost 100% of your self directed IRA!  Now, that would be hell wouldn't it?

In closing, If you are looking for intelligence and experience, at a reasonable fee structure, hire me! 


Optional Legal Consulting Also Available

Saul S GefterNote: For cases that may also require a legal consultant may also be required, my legal associate, Dr. Saul S. Gefter*, a well known former U.S. Diplomat and current International juridical consultant and lawyer, is available as well.

Saul can be retained together with me (M.D.) via a combined fee billing rate of $275/hr.  We do not double bill, when we both discuss your case and consult to assist you in determining action steps and case strategy. 

Saul has assisted on many cases for our firm over the years when circumstances require legal jurisprudence before options (specific steps to assist you) are created and then implemented. Putting a savvy and seasoned legal consultant on your case, guarantees ALL the legal options you have now will be explored and provided to you along with my tax advisory.

We have over 80 years of combined experience in financial matters and client relationships, which makes us the "senior" consulting team you should hire first to get the edge you need to fix a broken inherited IRA.

Call me direct at 1-800-782-2806 if you have any questions.  FSI recommends you retain both of us for your situation at the onset.  

(Especially on large IRA cases and cases with unusual circumstances, and any case that has legal issues needing clarification)

* Member, U.S. District of Columbia State Bar


Time May Be of The Essence To Fix Your Inherited IRA Problem! 

Two Options To Employ IRA Consultant Services Right Now

1. Retain me (M.D. Anderson as IRA consultant/accountant)

Billing Rate:  $ 180/hr 

Minimum Retainer Fee:  $ 270 (1.5 hours)

2. Retain both M.D. Anderson & legal consultant/attorney Saul S. Gefter

Billing Rate:  $ 275/hr 

Minimum Retainer Fee:  $ 412.50 (1.5 hours)

Credit/Debit Card Retainer Payments Via PayPal (You Don't Need a PayPal Account)

(Also Square Credit Card Services Are Available Upon Request)

2 Options to Retain Us - Review Both Before Clicking on "Pay Now"
Note: Once retainer is paid, you should immediately email or fax your basic facts and documents to FSI.   Or request a free Dropbox sharing account link. Call 1-800-782-2806 for more details.

Thanks for coming to this important Inherited IRA information site! Be sure you register for my free information  below to get exclusive access to the feature rich content you now seek. And, please don't hesitate to contact me and let me know how I can help you.  The initial call is free.  Good Bye for now!

Sincerely,

M.D. Anderson's Golden Signature of Quality!
M.D. Anderson, President
Financial Strategies, Inc.


Click the Graphic Below to Read

Inherited IRA Hell's "Wall of Shame" tells on those making mistakes.

 

UPDATE ON IRS ALLOWED ROTH CONVERSIONS

Though viewed shooting a foot to save the other, Roth IRA conversions make sense for some.No, you can't convert your Inherited IRA into a Roth under current tax law. But, for all other traditional IRA funds, tax options on your 2012 Roth conversions are still available to "keep" or "revert". DISCOVER why 2013 may still be a good year to convert your IRA to a Roth IRA before tax rates go up more and allowed deductions go down more.

 


INVESTOPEDIA'S RETIREMENT DICTIONARY

Just before you register  for much more free inherited IRA content and begin reading the "content" portion, where all the important information you seek can be found -- this handy Retirement Terms Dictionary is provided. Use this link for any terms you may not fully understand. (Just don't forget to hit your "back" button so you can keep reading)


Have a ten million dollar IRA problem? 

I'm the one you need to call. 

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as low as $50,000)


FEELING THE HEAT RIGHT NOW?

A fireball of hell is coming at most Inherited IRA beneficiaries.If, the flames of Inherited IRA Hell are being felt by what you have read so far, and you want to talk to a "real" Inherited IRA expert and tax consultant right now, just E-mail me or  call me:

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Read what M.D. "really" thinks!

M.D. Anderson's blog helps you stay smart in a dumb world!

 
M.D. Anderson's Published
Client Testimonials

Testimonial #1 (Received on 9/30/08)  "My first interaction with Mike happened back in September 2005 approximately 1 month after my mother passed away in Sun Lakes, Arizona. Mike had made my mothers living trust some years prior to her death. I had copies of bits and pieces of the trust my mother had sent me but had never seen the whole trust until it was given to me by her new husband of 8 months only hours after her death. Being unfamiliar with the trust as well as devastated by the sudden passing of my mother I went through it briefly and hit what I felt were the high points. It wasn’t until I arrived back in Spokane, Washington that I sought out  help ciphering through the whole trust with the help of a reputable living trust attorney. His initial charge to complete it all would be between $15,000- $25,000. It was a fairly substantial trust but I felt that was a bit over the top. I then sat down and read it cover to cover and stumbled upon a statement that said to contact Mike Anderson if any problems were encountered reading the trust. So I figured I’d contact him before proceeding forward of course figuring another big price tag to get help!

Boy was I pleasantly surprised after speaking with Mike for just a few minutes and finding out he could take care of everything for somewhere around $1000-$1500 depending on what changes my mother had done to it. I sent the trust to Mike. From that point on I never had any worries. Mike kept in constant contact with me always keeping me informed of what needed to be done and when and then he took care of it. My mother (bless her heart) had made quite numerous changes some on her own and some with assistance from her new husband of 8 months. Most changes were done by pencil scratch out and re-written in new information. Mike was able to cipher through all the legal and questionable changes that had taken place and handled everything there in Arizona.

I felt so comfortable with Mike’s  guidance and knowledge I had him go ahead and make living trust’s for both me and my wife.  I have been in contact with Mike over the last 3 years asking guidance when I make additions and changes to my trust and he is always very expedient and professional in getting back to me. I cannot thank Mike enough for all the monetary value he saved but more for all the mental grief he saved me.  Thanks Mike!"

Retired  MSgt USAF

Max & Ellen Eskildsen

Mead, Washington 99021 


Testimonial #2 (Received on 6/27/08) "I have known Michael Anderson for some time as both a colleague and as an associate of our 105 year-old Brazilian international law firm, located in Rio de Janeiro. Mike and his Arizona firm, Financial Strategies, Inc. has been contracted to do strategic financial, tax, trust and estate planning and development on behalf of an important and long-standing client, a member of one of Brazil’s most famous families with assets in Brazil and abroad .

I can personally attest to his business acumen, sharpness of mind, outstanding professional abilities and most importantly, his honesty, integrity and professionalism in accomplishing the most difficult and complex tasks put to him.  Mike’s personal interest in the well-being and concern for the client’s interests entrusted to him is remarkable and noteworthy. His Estate Planning & Trust Portfolio has become a model for others attempting to match his efforts in producing such an important and meaningful document to both clients, their heirs and family members.

Our office has constantly dealt with professionals in all sectors world-wide over the years and I can attest to that fact that Mike is head and shoulders above them all. We look forward to a continued and fruitful relationship with Michael Anderson and his firm for years to come."

Saul S. Gefter, Esq.

U.S. Consul (ret.)

Member, D.C. Bar Assn.

Petrópolis, RJ Brazil 


Testimonial #3 (Received on 6/14/08): "It was my mother, Berniece Robb, who first  introduced me to Michael Anderson.  Mother's tax accountant extraordinaire for a period of time, she became aware of Mike's family trust preparation capabilities.  Contacting referrals, she received splendid encouragement from individuals who had engaged Mr. Anderson in preparing their trusts.  Mother placed her confidence in Mike and asked him to proceed with her estate.  Soon after, as I was a widow with three children, Mother encouraged me to do the same.  That was winter of 1992.

Mother died in April of 1996.  As difficult as the loss was emotionally,  Mike stepped up to the plate  (Mike was only a phone call away),  just as he informed us he would and as the trust would.   As successor to Mother's estate, I had immediate access to her accounts, including the ability to write checks for her funeral expenses.  There was no probate, no waiting, no need for approval from brokerage houses and financial institutions, and no added expenses.  Everything was in order and fell mercifully in place, thanks to Mike's foresight in trust preparation.

While periodic updates may be necessary due to changes in the law (I have had one), I can say with confidence that  I have peace of mind Mike will inform me of such changes and my children will experience the same ease when it comes time to settling my estate at my death.  My children will know my final wishes.  Short of that, the individuals I have chosen will have the trust tools (Powers of Attorney), to deal with all health and financial issues should I be incapable of doing so.


In all sincerity, Thank you Mike Anderson for offering me "Shaffer Family Trust" peace of mind.


Susan Shaffer

Phoenix, Arizona


Testimonial #4 (Received on 5/8/08):  "Mike Anderson has been handling our taxes for our small business for about 20 years. He never keeps us waiting for answers when we have questions about anything from taxes to finances to real estate.  He is very knowledgeable and we know that we can trust his advice.

He recently did our trust for our family and it was wonderful!  He seems to make it come alive by the way he represents the family in personal ways by adding pictures of us and even our pets.  Mike makes our life run more smoothly and he does it at a very affordable price."

Frankie and Dennis Malicowski

Mesa, Arizona  


Testimonial #5 A Client Family Thank You Card

A Nice Client Note


Disclaimer: The information contained on this inherited IRA information site, though deemed reliable and accurate, is solely the opinion and statements of the advisor profiled. Therefore, it should be considered "general" in nature and no action should be taken based on this information until such time your specific situation and circumstances can be reviewed and analyzed by competent and qualified tax, insurance, legal, and/or other financial advisors. This information is not intended, nor should be construed as legal advice. FSI can not and will not give you legal advice. If you need legal advice, we can refer you if you desire and request it. Founded in 1990, FSI is a long-term Financial Advisory and Arizona domiciled Corporation now providing services nationwide and in some foreign countries. Services profiled herein are available unrestricted to Arizona residents. Residents outside of Arizona are eligible for certain consulting services and to legal (lawyer) referrals by our firm when requested of us. For Arizona residents, communication with an Arizona Certified Legal Document Preparer (AZCLDP) are private and confidential but are not "privileged", such as they would be with an actual Lawyer.

Besides being a licensed  Arizona Certified Legal Document Preparer, Mr. Anderson is also an Arizona Professional Accountant/Consultant (soon to apply to the IRS as an enrolled agent) and licensed IRS registered tax preparer and ERO (Electronic Return Originator) agent/firm. He also is an Arizona licensed Professional (Realtor®)/consultant) and a licensed Professional insurance agent and corporation for life, health or annuity sales. Lastly, he and his firm is an appointed representative for Royal Metals Group as a Professional Precious Metals consultant and sales advisor.  Inherited IRA accounts have many options you may not be aware of, including alternative "hard asset" type investments. Let M.D. show you the the options your current banker, broker or insurance agent may still be hiding from you!

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