Carreras Financial Services - Insurance, Investment, Estate Planning, College Fuding

Carreras Financial Services is all you need for complete and comprehensive financial planning. A team of experienced and successful professionals help navigate the complex, shifting and often confusing maze of issues.

Stay informed and be flexible. It’s not easy to find the time or knowledge to stay abreast or understand all the nuances of law and code. Carreras Financial Services shows you how to become a smart strategist. We offer:

> Retirement Planning
> Investment & Estate
Planning
> Education Planning
College Funding
> Long-Term Health Care
> Life Insurance
> Health Insurance
> Identity Theft Shield

For a complimentary introductory counseling session, phone (561) 798-4565.

10.15.07
What You Can Do Before the Kiddie Tax Loophole Closes

When President Bush signed new legislation in May to limit gifts to children that take advantage of their lower tax rate, it was the second time in just over 12 months that Congress extended the reach of the so-called kiddie tax, which subjects a child’s income to his/her parents’ higher tax rate.
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Thomas B. Carreras, CLU, ChFC, LUTCF, CFS, CFP. Investment Advisor Representative.
This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your registered representative. Read it carefully before you invest or send money. Securities products are limited to residents of AZ, CO, FL, NC and OH.
Secuities and advisory services offered through Ameritas Investment Corp. (AIC). Member FINRA/SIPC. AIC and Carreras Financial Services, Inc. are not affiliated. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
Carreras Financial Services, Inc. © 2007. All rights reserved