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IMI Tree of Knowledge

I would like to take a moment to introduce myself – I am Karla Leonard-David, CEO of IMI Asset Management Company. I hold a double B.A. in Business Economics and Art History. IMI Stands for Investment Management International and was originally founded in 1995. In 2012, IMI went through a complete transformation. That transformation included implementing a complete social media presence. I have designed and write an educational blog that is posted to my personal and company Facebook and LinkedIn pages. These articles are a tool to inform and educate on financial planning topics. The biggest part of that transformation occurred when IMI became a full service asset management company. IMI has partnered with Jerry Vines, MBA, EA and the Law Office of Sharon Morff, to offer a fully engaged estate planning package, designed specifically to your goals. Most people do not have a solid financial plan. A reason for this is that most lack insight into what is going on in the financial industry. I realize that the process of creating a strategy for retirement can feel pretty intimidating which is why I am constantly searching for new materials, whether they are videos, articles or just questions and answers to share with everyone. IMI Asset Management Company is focused on the belief that our customers’ needs are first. I am committed to meeting those needs. I am a firm believer of the personal touch, which is so lost in today’s world. As a result, a high percentage of IMI’s business is from repeat client business and referrals. IMI Asset Management Company was selected in 2012 by the USCA as the recipient of the Best of Rancho Cucamonga Awards in Financial Planning. We want you to be able to assess, from these insights, your financial portfolio to ascertain that it is aligned with your ultimate goals for your retirement and passing your estate probate free down to your heirs. We strive to make sure you evade the costliness that can result from poor planning. We would welcome the opportunity to earn your trust and deliver you the best individual and personalized service in the industry in helping you obtain your goals. We invite you to come “join” our IMI Family.

Annuities as a retirement plan

Karla Leonard Karla Leonard , 5/7/2014
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IMI Asset Management, CA, RetirementRetirement planning is one of the most important investments you can make in your future to assure your comfort in your later years. According to the Social Security Administration, the average adult will live between 15 and 19 years after retirement; it's important to make sure those funds last. One intriguing option for retirement investments is the annuity. An annuity is an insurance product that makes regular payments to a retired person. These payments can be scheduled monthly, quarterly, yearly or as a lump sum. They can be structured to make payments for the rest of your life or through a set span of time. When investing in annuities, you can opt for a deferred or immediate annuity. With an immediate annuity, you begin receiving payments as soon as you put your first payment in. These investments are usually geared toward older adults who are ready to retire or retired already. A deferred annuity allows your money to grow over time before you begin receiving payments. A deferred annuity can be converted to an immediate one if you decide you would like to begin receiving payments. How large the payments are depends on a number of factors. If you opt for a fixed annuity, you will get the same amount each period. With a variable annuity, your payments will go up and down depending on the earnings of the annuity's investments. One of the prime benefits offered by annuities are their tax benefits. Taxes on annuity contributions, like other contributions, can be deferred. And, there is no limit on annuity contributions like there is on IRAs and 401Ks. This allows people who need to invest heavily to catch up with those who began saving earlier. There are, of course, many different options available for funding your retirement and no one investment will work best for every individual. Research different investment vehicles and their associated costs to find the one that best fits your lifestyle and your retirement needs. Content provided by Transformer Marketing. Sources:,