RetirementGet rolling.Time to make your hard-earned money work for you (for a change). When youractive duty ends, you should consider investing your earnings to continuesaving for your retirement. Take control of your retirement with a <strong>USAA</strong> IRA.The Thrift Savings Plan (TSP) offers three choices: withdraw it, leave it or takeit with you. Early withdrawal could mean a substantial tax hit if you’re under59 1 /2, as well as expose you to other potential penalties. So roll it into a <strong>USAA</strong>Traditional IRA directly to continue investing toward your retirement.Put your money where your future is:Roll your TSP into a <strong>USAA</strong> Traditional IRA to avoid early withdrawal penaltiesand ordinary in<strong>com</strong>e taxesGet free financial advice from a <strong>USAA</strong> CERTIFIED FINANCIALPLANNER practitionerManage your money easily onlineKeep your options open, including <strong>USAA</strong> and non-<strong>USAA</strong> mutual funds,exchange-traded funds, stocks, bonds and CDsInvestments/Insurance: Not FDIC Insured • Not BankGuaranteed • May Lose ValueThere may be tax consequences associated with the transfer of assets.Indirect transfers may be subject to taxation and penalties. Consult with yourown advisors regarding your particular situation. Withdrawals made beforeage 59 1 /2 may be subject to a 10% federal penalty and ordinary in<strong>com</strong>e taxes.Mutual fund investments are not insured and offer a variable return.To discuss your options with a retirementprofessional, call (888) 260-5480.Life InsuranceKnowing more begins now.Photography by Getty imagesWhen service to your country is over, service toyourself and your family be<strong>com</strong>es top priority.Our Term Life Insurance can help provide theprotection you need once you no longer qualify forServicemembers’ Group Life Insurance (SGLI).Coverage you can trust from an organizationyou can count on:Get free advice and determine the correct amountof coverage for your family with help from ourfinancial advisorsOur life insurance <strong>com</strong>panies have the highestratings from A.M. Best and Standard & Poor’sSee additional legal information on Page 30.Photography by Getty images<strong>USAA</strong>.COMusaa.<strong>com</strong> <strong>Winter</strong> <strong>2009</strong> usaa magazine 29
THE <strong>USAA</strong>EDUCATIONALFOUNDATION ®homebuying or refinancinga homefinancial planninga guide for your survivorsThe <strong>USAA</strong> Educational Foundation,a nonprofit organization, has theresources to help makeyour life more manageable.Changing Jobs (#532)Managing CreditAnd Debt (#501)Individual RetirementAccounts (#561)Buying A Vehicle ThatMeets Your Needs (#505)Buying Or RefinancingA Home (#502)When A Loved One Dies: LegalAnd Financial Concerns (#551)When A Loved One Dies:Coping With Grief (#552)A Guide For YourSurvivors (#579)To order free publications, just call (800)531-6196 or visit usaaedfoundation.org.Have your <strong>USAA</strong> number and publicationnumber ready when you call.The <strong>USAA</strong> Educational Foundationdoes not endorse or promote any <strong>com</strong>mercialproducts or services.legal disclosuresInvestments/Insurance: Not FDIC Insured • Not Bank Guaranteed • May Lose Value<strong>USAA</strong> or its affiliates do not provide tax advice.Taxpayers should seek advice based upon theirown particular circumstances from an independenttax advisor.Financial advice provided by <strong>USAA</strong> FinancialPlanning Services Insurance Agency, Inc.(known as <strong>USAA</strong> Financial Insurance Agencyin California) and <strong>USAA</strong> Financial Advisors,Inc., a registered broker dealer.Page 3A++ (Superior) from A.M. Best Co., highestof 16 possible ratings; Aaa (Exceptional)from Moody’s Investors Service, highest of21 possible ratings; AAA (Extremely Strong)from Standard & Poor’s, highest of 21 possibleratings.Page 18J.J. Montanaro is a CERTIFIED FINANCIALPLANNER practitioner with <strong>USAA</strong> FinancialPlanning Services, one of the <strong>USAA</strong> familyof <strong>com</strong>panies.This material is for informational purposes.Consider your own financial circumstancescarefully before making a decision and consultwith your tax, legal or estate planningprofessional.Page 271A standard service fee of $13.49 willbe added to each item delivered by a localflorist, and $14.99 to each item shippeddirect. Prices may differ based on day ofdelivery. If an item is not available, a <strong>com</strong>parablesubstitute will be provided. Due to theperishable nature of our products, pleasemake any customer service inquiries within7 days of delivery.2In most locations, to purchase a ValuablePersonal Property policy, you must have a<strong>USAA</strong> Homeowners or Renters Policy.3With replacement cost coverage, at ouroption, subject to policy limits and policydeductible, if you actually replace the propertywe will pay you the lesser of our cost to restore,repair or replace the damaged property or theamount you actually spent to restore, repair orreplace the property.4$4 a month policy provides $2,500 on scheduledjewelry. Rates may vary due to location.Page 285Earn 1 point for every $1 credit card purchaseor $2 debit card purchase. Select “credit” atcheckout; PIN-based purchases do not earnpoints. Other restrictions apply.MemberThe term “member” does not convey legal,ownership or eligibility rights. Ownership rightsare limited to eligible policyholders of UnitedServices Automobile Association.as marital status, rank or military status.Rates and benefits may vary due to eligibility.Contact us to update your records. Childrenof <strong>USAA</strong> members are eligible to purchaseauto or property insurance if their eligibleparent purchases <strong>USAA</strong> auto and propertyinsurance. Purchase of a non-property andcasualty insurance product, or an insurancepolicy offered through <strong>USAA</strong> GeneralAgency, does not establish eligibility for ormembership in <strong>USAA</strong> property and casualtyinsurance <strong>com</strong>panies.<strong>USAA</strong> Companies<strong>USAA</strong> means United Services AutomobileAssociation and its affiliates.Property and casualty insurance provided byUnited Services Automobile Association, <strong>USAA</strong>Casualty Insurance Company, <strong>USAA</strong> GeneralIndemnity Company, Garrison Property andCasualty Insurance Company, <strong>USAA</strong> CountyMutual Insurance Company, <strong>USAA</strong> TexasLloyds Company, San Antonio, TX, and <strong>USAA</strong>,Ltd. (Europe).Investments provided by <strong>USAA</strong> InvestmentManagement Company and <strong>USAA</strong> FinancialAdvisors, Inc., both registered broker dealers.<strong>USAA</strong> Brokerage Services is a division of <strong>USAA</strong>Financial Advisors, Inc., a registered brokerdealer. Financial planning services and financialadvice provided by <strong>USAA</strong> Financial PlanningServices Insurance Agency, Inc. (knownas <strong>USAA</strong> Financial Insurance Agency in California),a registered investment adviser andinsurance agency and its wholly owned subsidiary,<strong>USAA</strong> Financial Advisors, Inc., a registeredbroker dealer.Trust Services offered by <strong>USAA</strong> FederalSavings Bank. Credit cards provided by<strong>USAA</strong> Savings Bank, other bank productsprovided by <strong>USAA</strong> Federal Savings Bank,both Member FDIC.Life insurance and annuities provided by<strong>USAA</strong> Life Insurance Company, San Antonio,TX, and in New York by <strong>USAA</strong> Life InsuranceCompany of New York, Highland Falls, NY.Each <strong>com</strong>pany has sole financial responsibilityfor its own products.Other Product Related DisclosuresProperty and Casualty InsuranceProduct or service requirements, price andfeatures can depend on the member’s choicesas well as laws and the product or servicecontracts, which may vary by location. Weencourage you to read your <strong>USAA</strong> policiesand contracts carefully. Underwriting restrictionsapply.InvestmentsCertified Financial Planner Board of Standards,Inc. owns the certification marks CFP ® andCERTIFIED FINANCIAL PLANNER in the U.S.,which it awards to individuals who successfully<strong>com</strong>plete CFP Board’s initial and ongoing certificationrequirements.EligibilityMembership eligibility restrictions apply topurchase of property and casualty insurance.Eligibility may change based on factors suchAll non-<strong>USAA</strong> products, brand names, <strong>com</strong>panynames are trademarks or registeredtrademarks of their respective owners.© <strong>2009</strong> <strong>USAA</strong>.30usaa magazine WINTER <strong>2009</strong> (800) 531-<strong>USAA</strong> (8722)
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