Subject: Tips to Tame the Tax Beast This Year
From: "USAA Financial News & Advice" <[email-masked]>
To: <[email-masked]>
Date: Wed, 6 Feb 2013 14:55:37 -0000

USAA SECURITY ZONE
Kathleen
Biden
USAA # ending in: 2764   

Click here to view the web-based version of this newsletter:
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USAA FINANCIAL NEWS & ADVICE
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Dear Mrs. Biden:
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Editor's Picks

>> Will Washington's Spending Showdown Affect You?
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa104

>> Strategies to Tame the Tax Beast
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa105

>> Cool Cash May Be Waiting for Car Buyers This Winter
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa106

>> Plan for Retirement at All Stages of Your Life
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa107

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Most-Viewed Stories

>> A 'Fiscal Cliff' Resolution: What will it mean for you?
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa108

>> Investment Insights for 2013
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa109

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Fraud & Security

>> Cloud Computing? Help Keep Your Data Safe
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa110

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Auto

>> Safer Ways to Buy and Sell A Car Online
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa111

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On the Home Front

>> Rent or Buy: What Military Families Need to Know
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa112

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Money Matters

>> Should You Leave Your Kids an Inheritance?
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa113

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A guaranteed retirement solution ...

... now with a guaranteed bonus. 

Give your portfolio a boost with our flexible retirement annuity.

Earn an extra 3% bonus match on money you contribute for the first
year. That's on top of the guaranteed growth, tax-deferred earnings
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>> Learn More
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Did you know ...

... there are financial steps you can take now to make 
2013 a better year?

>> Set a Budget for 2013
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa151

>> Create or Update Your Financial Plan
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa152

>> Update Your Personal Goals
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa153

>> Maximize Your IRA Contributions
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa154

>> Roll Over or Consolidate Your IRAs
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa155

>> Need Answers? Ask USAA
http://e.usaa.com/a/tBREmI9B73spXB8wqzrLuIGItR8/usaa156

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of principal.

Investments/ Insurance: Not FDIC Insured * Not Bank Issued, Guaranteed
or Underwritten * May Lose Value

The tax information contained in the material is not intended to be
used, and cannot be used by any taxpayer, for the purpose of avoiding
tax penalties that may be imposed on the taxpayer. It was written to
support the promotion of the products and services addressed in the
material.  

Taxpayers should seek the advice based on their own particular
circumstances from an independent tax advisor.

Bonus match percentage is fixed for the first 12 months, and will not
change after the contract is issued. Bonus will be immediately applied
to the amount deposited, and begin accruing at the time of deposit.
Premium bonus amount will never be less than 1% of your first-year
premiums. After the first 12 months, the interest rate is subject to
change. Not available in New York.

Offer limited to a new USAA Flexible Retirement Annuity only, and is
good through June 30, 2013. Annuities open after the offer period may
not be eligible for the 3% bonus.

An annuity is a long-term insurance contract sold by an insurance 
company designed to provide an income, usually after retirement 
that cannot be outlived. There are fees, expenses and surrender 
charges that may apply.

Money not previously taxed is taxed as income when withdrawn.  
Withdrawals before age 59 and 1/2 may be subject to a 10% federal
tax penalty.

The minimum guaranteed interest rate is subject to change and may
vary by product and state. The minimum guaranteed interest credited
to the contract will be 1% -3%. The minimum guaranteed rate is 
fixed and will not change after the contract is issued.

Flexible Retirement Annuity: ARA33846ST 03-99 (varies by state).
Annuities provided by USAA Life Insurance Company, San Antonio, TX.
Each company has sole financial responsibility for its own products.

Life insurance and annuities provided by USAA Life Insurance Company
of New York, Highland Falls, NY.

Financial planning services and financial advice provided by USAA
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Financial Insurance Agency in California, License #0E36312), a 
registered investment adviser and insurance agency and its wholly
owned subsidiary, USAA Financial Advisors, Inc., a registered
broker dealer.

This material is for informational purposes. Consider your own financial
circumstances carefully before making a decision and consult with your
tax, legal or estate planning professional.  

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