Latest news with #income
Yahoo
11 hours ago
- Business
- Yahoo
7 Best Ways Upper-Class Retirees Can Reduce Their Tax Bills
The upper class may not have the same struggles as the average person, but they do have one problem many people share: trying to minimize taxes on their income. Find Out: Read Next: While 'upper class' definitions can vary due to a wide spectrum of costs of living across the U.S., the minimum to be considered upper class is around $170,000. If you're retiring in a higher income bracket, here are seven tips to minimize your tax burden. In 2017, President Donald Trump passed The Tax Cuts and Jobs Act (TCJA), which changed tax brackets more favorably for those making higher incomes. Those tax cuts end in 2025, but Aaron Brask, a fiduciary investment advisor with Aaron Brask Capital, expects that '[Trump] will make every effort to extend the low tax rates associated with that legislation.' If his administration is unable to pass legislation saving those cuts, then the tax brackets and rates would change significantly, Brask said. Learn More: One of the easiest and most impactful tax strategies, however, is 'asset location,' Brask said — clarifying this is where to put your money, not 'allocation,' the process of deciding how much to invest where, which comes first. 'Once you have determined your overall asset allocation, the basic idea is to strategically locate assets across one's taxable, tax-deferred accounts such as a traditional IRA and a tax-free growth account like a Roth IRA.' He said he prefers not to locate stock positions within tax-deferred accounts because the long-term growth will ultimately be taxed as ordinary income. 'I also do not like locating CDs, money market funds or bonds within taxable accounts. Whether or not you are taking the interest out, it still ends up on your tax return.' Retirees can also use Roth conversions or strategic withdrawal strategies to manage the timing of their taxes on their pretax retirement accounts like traditional IRAs or 401(k) plans, Brask said. 'By converting or distributing from these accounts earlier in retirement, they can reduce the size of the pretax accounts and corresponding required minimum withdrawals (RMDs).' However, he warned that 'they are not a silver bullet solution that applies to everyone.' While many people only consider the tax rate paid on a conversion, there are a variety of other factors that should be taken into consideration. If you've got money to spare and you want to pass it on to heirs, IRA owners over age 70 1/2 are allowed to make a qualified charitable distribution (QCD) of up to $108,000 annually (adjusted for inflation) from their IRAs directly to charity, according to Bill Knox, senior director of technical consulting and strategic innovation projects at TIAA Kaspick. This gift not only benefits the charity but also counts toward the IRA owner's RMD for the year, reducing or potentially eliminating the taxes owed on the distribution. 'Better yet, this opportunity does not require the IRA owner to itemize their taxes in order to receive the benefit,' Knox said. If giving is one of your strategies, another option is a deferred charitable gift annuity (DGA), 'one of philanthropy's best kept secrets,' Knox said. 'These life income gifts allow donors to contribute cash or other assets to charity, receive a current income tax deduction, bypass capital gains (if applicable) on the sale of contributed assets, and save money for retirement.' This provides a reliable and fixed annuity payment each year for the rest of their life. Lastly, charitable remainder trusts (CRTs) allow high-net-worth donors to provide for their loved ones and make a meaningful charitable gift all while reducing their taxable estates, Knox shared. 'CRTs allow a donor to, essentially, give a gift twice; first, an income stream for the donor's loved ones, and second, the remainder of the trust to the donor's favorite charity. Structured correctly, CRTs allow donors to provide loved ones with lifetime income while reducing estate taxes,' he said. If you live in a state with high taxes, and you have the flexibility to move, relocating to a state with no income taxes can significantly reduce your taxes, Brask said. 'However, I regularly tell clients who are entertaining this idea: 'Don't let the tax tail wag the dog!' In other words, don't move just to save on taxes if it's not an overall beneficial plan for you.' The best way to land on the right strategy is to consult with a professional financial advisor, retirement planner and/or estate attorney. More From GOBankingRates 6 Big Shakeups Coming to Social Security in 2025 These Cars May Seem Expensive, but They Rarely Need Repairs This article originally appeared on 7 Best Ways Upper-Class Retirees Can Reduce Their Tax Bills Sign in to access your portfolio
Yahoo
11 hours ago
- Business
- Yahoo
Marginal tax rate: What it is and how to find yours
Your marginal tax rate is the highest income tax rate you'll pay on your income. Because the U.S. has a progressive tax system, different tiers of your income are taxed at different rates. The marginal tax rate is the rate that applies to your last dollar of income. It's important to understand how the marginal tax rate — and tax brackets in general — work, because your income isn't taxed at one single rate. What's more, by claiming all applicable tax deductions you may be able to reduce your marginal tax rate. As your income increases, portions of it are taxed at higher rates. The tax rate that applies to your final dollar of income is your marginal tax rate. Because only a portion of your income is taxed at the highest rate, your effective tax rate — which takes into account that some portions of your income are taxed at lower rates — is likely lower than your marginal rate. Suppose you're a single taxpayer who earned $70,000 in 2024. While your income falls into the 22 percent tax bracket — that's your marginal tax rate — a majority of your income is actually taxed at much lower rates. Based on the 2024 tax brackets, for taxes due in 2025, this is how your income is taxed: In other words, $11,600 of your income is taxed at 10 percent, $35,550 of your income is taxed at 12 percent and the remaining $22,850 of your income is taxed at 22 percent. As the above illustration shows, you pay the lowest tax rate on a subset of your income, until you've surpassed the top end of the income range for that tax bracket. Then the next tier of your income is taxed at the next highest rate, until you've surpassed the top end of the income range for that bracket, and so on. One of the biggest misunderstandings many Americans have about income taxes is that they think falling into a particular bracket, such as the 22 percent bracket, means that all of their income is taxed at that rate. In truth, that rate only applies to a portion of your income. Here are the 2025 income tax brackets, for taxes due April 2026, or October 2026 with an extension: Tax rate Single Head of household Married filing jointly or qualifying widow Married filing separately 10% $0 to $11,925 $0 to $17,000 $0 to $23,850 $0 to $11,925 12% $11,925 to $48,475 $17,000 to $64,850 $23,850 to $96,950 $11,925 to $48,475 22% $48,475 to $103,350 $64,850 to $103,350 $96,950 to $206,700 $48,475 to $103,350 24% $103,350 to $197,300 $103,350 to $197,300 $206,700 to $394,600 $103,350 to $197,300 32% $197,300 to $250,525 $197,300 to $250,500 $394,600 to $501,050 $197,300 to $250,525 35% $250,525 to $626,350 $250,500 to $626,350 $501,050 to $751,600 $250,525 to $375,800 37% $626,350 or more $626,350 or more $751,600 or more $375,800 or more Here are the 2024 income tax brackets for taxes due April 2025 (or October 2025 with an extension): Tax rate Single Head of household Married filing jointly or qualifying widow Married filing separately 10% $0 to $11,600 $0 to $16,550 $0 to $23,200 $0 to $11,600 12% $11,600 to $47,150 $16,550 to $63,100 $23,200 to $94,300 $11,600 to $47,150 22% $47,150 to $100,525 $63,100 to $100,500 $94,300 to $201,050 $47,150 to $100,525 24% $100,525 to $191,950 $100,500 to $191,950 $201,050 to $383,900 $100,525 to $191,950 32% $191,950 to $243,725 $191,950 to $243,700 $383,900 to $487,450 $191,950 to $243,725 35% $243,725 to $609,350 $243,700 to $609,350 $487,450 to $731,200 $243,725 to $365,600 37% $609,350 or more $609,350 or more $731,200 or more $365,600 or more Need an advisor? Need expert guidance when it comes to managing your money? Bankrate's AdvisorMatch can connect you to a CFP® professional to help you achieve your financial goals. To calculate your marginal tax rate, you need to know your taxable income and relevant filing status. With this information, it's simple to determine your marginal tax rate. Refer to the tax brackets above and identify the bracket with the income range that matches your total taxable income — that's your marginal tax rate. That said, your taxable income is a bit more complex to calculate: First, add up all of your sources of income to determine your gross income. Then, subtract certain adjustments to determine your adjusted gross income (AGI). Then, determine whether you will take the standard deduction or itemize deductions. Finally, subtract your standard deduction or itemized deduction from your AGI to get your taxable income (some taxpayers may also be able to deduct the qualified business income deduction from their AGI). On Form 1040, your adjusted gross income, or AGI, is listed on line 11, and your taxable income is listed on line 15. To reduce your marginal tax rate, you must reduce your taxable income. While it may be possible for some people to defer income that they earn late in the year to the following year, most people will need to take advantage of tax deductions. By reducing your marginal tax rate, you'll reduce your total tax bill. To reduce your taxable income, consider maximizing contributions to tax-advantaged accounts and claiming all applicable deductions. The more money you contribute to tax-advantaged accounts — like a 401(k), traditional IRA, health savings account (HSA) or flexible spending account (FSA) — the more you will reduce your taxable income, while also setting yourself up financially for the future. You should also make sure you're claiming all eligible deductions, even if you take the standard deduction. There are several 'above-the-line' deductions that will reduce your gross income, even if you don't itemize, including deductions for student loan interest and educator expenses, along with certain business expenses and self-employment taxes. Maximizing your deductions could lower your marginal tax rate. Finally, you may want to carefully assess whether it makes sense to itemize deductions instead of taking the standard deduction. By itemizing, you can take advantage of even more deductions, including those for charitable contributions, mortgage interest, property taxes, state and local taxes (SALT), and qualified medical expenses. Still, for it to make sense to itemize, generally your itemized expenses need to add up to more than the standard deduction. The standard deduction is worth $15,000 for single filers and those who are married filing separately, $22,500 for head of household filers and $30,000 for married filing jointly couples for tax year 2025. Another way to trim your tax bill is by realizing losses; that is, selling investments at a loss. Not only can capital losses offset capital gains (when you sell an investment for more than you bought it), but you can also reduce some of your taxable income. You need to be mindful of how long you've owned an asset before selling — the IRS generally uses the one-year mark to differentiate between short- and long-term gains and losses. By realizing net capital losses, you can reduce your taxable income by up to $3,000 a year, which will reduce your overall tax obligations and potentially reduce your marginal tax rate. Learn more: Short-term vs. long-term capital gains: How they work For most taxpayers, your marginal tax rate will differ from your effective tax rate. Knowing the difference between your marginal tax rate and effective tax rate is important because it informs how much you owe the IRS. Your marginal tax rate is the highest rate that applies to only that portion of your income that's in the highest tax bracket, whereas your effective tax rate is your average tax rate — or the tax rate you actually pay. Consider the example above of a single taxpayer earning $70,000. While that person's marginal tax rate is 22 percent, their effective tax rate is about 15 percent. To determine your effective tax rate, simply divide your total taxes owed by your taxable income. Learn more: Marginal vs. effective tax rates: How they differ and how to calculate each rate While the federal income tax system in the U.S. is progressive, some states impose a flat tax on income. With a marginal tax rate, you pay different tax rates up to your highest rate, but with a flat tax system all of your income is taxed at the same rate. There has been a movement in recent years among states to adopt flat tax systems, though specific rates across states vary widely. The 14 states with a flat tax system in 2025 are: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Michigan, Mississippi, North Carolina, Pennsylvania and Utah, according to the Tax Foundation. Another nine states don't levy an income tax at all. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Fox News
2 days ago
- Business
- Fox News
5 AI prompts to put serious money in your pocket
So, you want to start making money using AI but you're not trying to build Skynet or learn 15 coding languages first? Good, because neither am I. You don't need to become the next Sam Altman or have a Ph.D. in machine learning to turn artificial intelligence into real income. What you do need is curiosity, a dash of creativity, and the right prompts. 💸 Enter to win $500 for you and $500 for your favorite person or charity in our Pay It Forward Sweepstakes. Hurry, ends soon! I've pulled together five powerful, practical prompts you can throw into ChatGPT (or your AI tool of choice) to help you start earning extra cash this week. These aren't pie-in-the-sky dreams or $10K-a-month YouTube ad schemes. They're doable, even if your calendar is already packed. Let's get to it. 1. Fast-Track Your Freelance Life Prompt to use:"Act as a freelance business coach. Suggest 3 services I can offer on Fiverr or Upwork using AI tools like ChatGPT, Midjourney or Canva. I have [insert skill: writing/design/admin/accounting/managerial] experience." Why this works:Freelance work is exploding right now. Platforms like Upwork and Fiverr are filled with small businesses and entrepreneurs who need help—but don't have the budget to hire full-time staff. If you've got any kind of professional background, you can use AI tools to turbocharge your services. Writing blog posts? ChatGPT can give you a draft. Creating logos or social media templates? Midjourney and Canva are your new best friends. You don't need a team. You don't need fancy software. You just need a good prompt and the confidence to say, "Yes, I can do that." AI helps you scale what you already know how to do. 2. Make Product Descriptions Sexy Again Prompt to use:"Rewrite this Etsy or Shopify product description to make it more compelling and SEO-friendly. Target audience: [insert group]. Here's the original: [paste description]." Why this works:Let's face it—most product descriptions online are a snooze. But good copy sells. Whether you're running your own shop or helping someone else with theirs, compelling product descriptions convert clicks into customers. Use ChatGPT to punch up the language, fine-tune for SEO, and speak directly to your ideal buyer. Remember: people don't just want to buy a weird mug. They want to buy what it says about them. That's where a smart rewrite can turn browsers into buyers. 3. Social Posts That Sell Prompt to use:"Create 5 attention-grabbing Instagram captions to promote this [product/service]. Keep the tone [fun, confident, expert] and include a strong call to action." Why this works:We live in a scroll-happy world. Your social captions need to grab attention in less than three seconds. But not everyone's a copywriter—and not everyone has time to be. AI can help you crank out engaging content in the tone and style that fits your brand. Add a great photo, post consistently, and you're suddenly a one-person content agency without the overhead (or endless Zoom meetings). If you're managing social for clients or your own biz, this prompt is gold. Use it to build content calendars, write reels scripts, or even draft ad copy. 4. Polite Emails That Save You Money Prompt to use:"Write a short, polite email to ask for a lower rate or discount on [tool/service/platform]. Mention that I'm a loyal customer comparing alternatives." Why this works:Negotiating discounts doesn't always feel comfortable but it absolutely works. Companies often have unpublished deals, especially for longtime users or small businesses. And customer service reps? They're human beings. A kind, well-written email might be all it takes to get a discount on that software you're using every month. I've personally saved hundreds of dollars just by sending quick, respectful emails like this. AI can help you strike the perfect tone confident but kind, assertive but not pushy. 5. Your Passive Income Kit Prompt to use:"Give me 3 high-demand, low-competition ideas for a short e-book or low-content book I can sell on Amazon. I have experience in [insert topic]." Why this works:You have knowledge people want. Package it. Sell it. Repeat. Whether it's a short guide on starting a backyard garden or a workbook for productivity hacks, e-books and low-content books (like journals or planners) sell surprisingly well. And AI can help you brainstorm ideas, outline chapters, even draft content to polish up. Upload it to Amazon KDP or Gumroad, and now you've got a digital product that can earn money in your sleep. People pay for convenience, and you have life experience worth sharing. Final Thought You don't need to master AI to start earning with it. You just need to start using it. These five prompts are a low-risk, high-potential way to get your feet wet. And if you need a hand turning these sparks into something bigger, I'm here. I built my multimillion-dollar business with no investors and no debt. I've done this without a big team or expensive consultants. And I'd love to help you do the same. Get tech-smarter on your schedule Award-winning host Kim Komando is your secret weapon for navigating tech. Copyright 2025, WestStar Multimedia Entertainment. All rights reserved.
CBS News
2 days ago
- Business
- CBS News
How much does a $200,000 annuity pay monthly?
We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. If you're planning to invest in a $200,000 annuity for retirement, you should know what the monthly payments could look like now. Getty Images It can be tough to prepare for retirement amid today's economic uncertainty, and even retirees who've planned diligently are feeling the pressure of the current landscape. One major issue is that the stock market continues to swing unpredictably, making it increasingly difficult to use stocks and bonds to adequately prepare for retirement. Plus, everyday expenses remain stubbornly high, and traditional retirement income sources, like pensions, are less common than they used to be. In turn, there is a pressing need for older adults to identify steady, reliable income that won't disappear with the next market downturn. For that reason, annuities are starting to look more attractive. These insurance-based products are intended to convert a chunk of your retirement savings into predictable monthly income for life. While they may not offer the same growth potential as investing in stocks or real estate, annuities are built to provide stability, which is precisely what many retirees are looking for. The trade-off is that you give up access to your principal in exchange for guaranteed checks every month. So how much income can you actually get from an annuity? If you're thinking of investing $200,000 into this type of retirement product, there are things to know about your potential monthly payout — and whether that's a smart move for your retirement goals. Learn more about the benefits an annuity could offer you. How much does a $200,000 annuity pay monthly? In general, a $200,0000 annuity won't offer monthly payments that are large enough to cover all your expenses during retirement. However, this type of annuity can still deliver a significant amount of income and can be useful for supplementing your monthly Social Security payments or other retirement income sources. According to an analysis of Cannex data by here's what a $200,000 immediate fixed annuity might pay monthly: At age 60 : : A 60-year-old man could receive a monthly payment of about $1,180 per month A 60-year-old woman would get a monthly payment of about $1,144 per month At age 60, a joint annuity would pay about $1,052 per month At age 65 : : A 65-year-old man might receive about $1,294 per month A 65-year-old woman would likely collect $1,240 per month At age 65, a joint annuity would pay about $1,122 per month At age 70 : : A 70-year-old man could get $1,461 per month A 70-year-old woman might receive $1,381 per month At age 70, a joint annuity would pay about $1,224 per month At age 75 : : A 75-year-old man's monthly payment could reach $1,707 A 75-year-old woman might earn around $1,586 At age 75, a joint annuity would pay about $1,367 per month At age 80 : : An 80-year-old man's monthly payment would be about $2,095 An 80-year-old woman might earn around $1,920 per month At age 80, a joint annuity would pay about $1,600 per month It's important to note, though, that these payouts are based on a single life immediate fixed annuity, which means the payments begin right away and last for the rest of your life. Monthly payouts are also based on factors like your age, gender, your annuity contract's structure and the interest rate environment. For example, a higher-rate environment would lead to larger monthly payments, while a lower-rate landscape would result in smaller monthly payments. And, as showcased above, women typically receive slightly smaller payments because of their longer life expectancy, which means the annuity payments must stretch further. Similarly, joint annuities, which are a type of annuity that covers two people, such as a married couple, will typically pay less each month because the insurance company is promising income for a longer combined timespan. Annuities with added features like cost-of-living adjustments or guaranteed minimum periods, meantime, may reduce your monthly check but offer valuable trade-offs. Compare your options and find the right annuity now. Is a $200,000 annuity worth it? Whether or not a $200,000 annuity is worth it depends on what you want your money to do. For many retirees, a $200,000 annuity generally isn't meant to replace all income. It's designed to complement existing benefits like Social Security, a pension or retirement account withdrawals. Here's how to think about whether it's a good fit: A $200,000 annuity might be worth it if: You want peace of mind. There's value in knowing exactly how much you'll receive each month, regardless of what happens in the market or to inflation (if your annuity includes an inflation rider). There's value in knowing exactly how much you'll receive each month, regardless of what happens in the market or to inflation (if your annuity includes an inflation rider). You're worried about longevity risk. Annuities are one of the few tools that can help protect against outliving your money. Annuities are one of the few tools that can help protect against outliving your money. You don't want to manage investments. Not everyone enjoys checking the markets or rebalancing portfolios. An annuity lets you set it and forget it. But a $200,000 annuity might not be ideal if: You need liquidity. Once you buy an annuity, that money is typically locked in. If you need access to a large sum for a medical emergency or home repair, your annuity won't help. Once you buy an annuity, that money is typically locked in. If you need access to a large sum for a medical emergency or home repair, your annuity won't help. You have legacy goals. Annuities prioritize income over inheritance. Unless you add a death benefit rider (which will lower your monthly payments), your heirs may receive little or nothing from your annuity. Annuities prioritize income over inheritance. Unless you add a death benefit rider (which will lower your monthly payments), your heirs may receive little or nothing from your annuity. You could invest for higher returns. If you're financially secure and comfortable with risk, other investments might yield more over time, though with no guarantees. It's also worth considering how you fund the annuity. If you use pre-tax dollars, like the funds from a traditional individual retirement account (IRA), your entire payout will be taxed as ordinary income. If you use after-tax money, only the interest portion of your payments will be taxable. The bottom line A $200,000 annuity can provide reliable monthly income, often between about $1,100 and $2,100, depending on your age, gender and contract terms. That kind of consistent income can offer peace of mind for retirees who are seeking predictability and a hedge against outliving their savings. Still, annuities aren't the right option for every retiree. Before committing, consider your other income sources, your need for liquidity and whether you're comfortable locking up a large chunk of cash. For many retirees, a $200,000 annuity won't be the entire solution, but it can be a powerful piece of the puzzle when it comes to building a retirement plan you can count on.
Yahoo
2 days ago
- Business
- Yahoo
XAI Octagon Floating Rate & Alternative Income Trust Will Host its Q1 2025 Quarterly Webinar on June 4, 2025
CHICAGO, May 27, 2025 (GLOBE NEWSWIRE) -- XAI Octagon Floating Rate & Alternative Income Trust (NYSE: XFLT) (the 'Trust') today announced that it plans to host the Trust's Quarterly Webinar on June 4, 2025 at 12:00 pm (Eastern Time). Kevin Davis, Managing Director at XA Investments ('XAI') will moderate the Q&A style webinar with Kimberly Flynn, President at XAI, and Lauren Law, Senior Portfolio Manager at Octagon Credit Investors. TO JOIN VIA WEB: Please go to the Knowledge Bank section of or click here to find the online registration link. TO USE YOUR TELEPHONE: After joining via web, if you prefer to use your phone for audio, you must select that option and call in using a number below, based on your current location. Dial: (312) 626-6799 or (646) 558-8656 or (267) 831-0333 or (213) 338-8477 or (720) 928-9299Webinar ID: 817 1030 7383 REPLAY: A replay of the webinar will be available in the Knowledge Bank section of The investment objective of the Trust is to seek attractive total return with an emphasis on income generation across multiple stages of the credit cycle. The Trust seeks to achieve its investment objective by investing in a dynamically managed portfolio of opportunities primarily within the private credit markets. Under normal market conditions, the Trust will invest at least 80% of its Managed Assets in floating rate credit instruments and other structured credit investments. There can be no assurance that the Trust will achieve its investment objective. The Trust's common shares are traded on the New York Stock Exchange under the symbol 'XFLT,' and the Trust's 6.50% Series 2026 Term Preferred Shares are traded on the New York Stock Exchange under the symbol 'XFLTPRA.' About XA Investments XA Investments LLC ('XAI') serves as the Trust's investment adviser. XAI is a Chicago-based firm founded by XMS Capital Partners in April 2016. In addition to investment advisory services, the firm also provides investment fund structuring and consulting services focused on registered closed-end funds to meet institutional client needs. XAI offers custom product build and consulting services, including development and market research, sales, marketing, fund management and administration. XAI believes that the investing public can benefit from new vehicles to access a broad range of alternative investment strategies and managers. XAI provides individual investors with access to institutional-caliber alternative managers. For more information, please visit About XMS Capital PartnersXMS Capital Partners, LLC, established in 2006, is a global, independent, financial services firm providing M&A, corporate advisory and asset management services to clients. It has offices in Chicago, Boston and London. For more information, please visit About Octagon Credit Investors Octagon Credit Investors, LLC ('Octagon') serves as the Trust's investment sub-adviser. Octagon is a 30+ year old, $33.1B below-investment grade corporate credit investment adviser focused on leveraged loan, high yield bond and structured credit (collateralized loan obligation debt and equity) investments. Through fundamental credit analysis and active portfolio management, Octagon's investment team identifies attractive relative value opportunities across below-investment grade asset classes, sectors and issuers. Octagon's investment philosophy and methodology encourage and rely upon dynamic internal communication to manage portfolio risk. Over its history, the firm has applied a disciplined, repeatable and scalable approach in its effort to generate attractive risk-adjusted returns for its investors. For more information, please visit XAI does not provide tax advice; please consult a professional tax advisor regarding your specific tax situation. Income may be subject to state and local taxes, as well as the federal alternative minimum tax. Investors should consider the investment objectives and policies, risk considerations, charges and expenses of the Trust carefully before investing. For more information on the Trust, please visit the Trust's webpage at This press release shall not constitute an offer to sell or a solicitation to buy, nor shall there be any sale of these securities in any state or jurisdiction in which such offer or solicitation or sale would be unlawful prior to registration or qualification under the laws of such state or jurisdiction. NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE Paralel Distributors, LLC - Distributor Media Contact: Kimberly Flynn, President XA Investments LLCPhone: 312-374-6931Email: kflynn@ in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
