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So innovative,
it’s patented!
Patent No: 6,064,986 and 6,085,174
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Give the Gift That Truly Matters - A Gift Towards a Child's Retirement

Imagine how much more secure your retirement would be if you had started saving as a child. Now, you can provide this help to your children and grandchildren - from newborns to adult children.

Helping to make this possible is the RIC-E Trust®, a retirement planning tool that combines an irrevocable trust with a variable annuity. The RIC-E Trust® was invented by Ric Edelman, three times named (in 2009, 2010, and 2012) as the #1 Independent Financial Advisor in the nation by Barron's¹. Ric was awarded two patents for the RIC-E Trust® - which, we hasten to point out, reflects the innovativeness of the process and does not address any investment results that might or might not be derived from the RIC-E Trust® itself. The awarding of a patent does not constitute an endorsement nor does it affirm the suitability of the RIC-E Trust®.

When you create a RIC-E Trust®, you contribute as little as $5,000, and you designate a child or grandchild to receive the money when he or she reaches retirement age. Your gift will grow without taxes until the child receives the money in retirement. The ultimate value that the child receives will depend in part on how much you contribute and how many years the money remains in the trust.

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¹According to Barron’s, "The formula [used] to rank advisors has three major components: assets managed, revenue produced and quality of the advisor’s practice. Investment returns are not a component of the rankings because an advisor’s returns are dictated largely by each client’s risk tolerance. The quality-of-practice component includes an evaluation of each advisor’s regulatory record." The rankings are based on the universe of applications submitted to Barron’s. The selection process begins with a nomination and application provided to Barron’s. Principals of Edelman Financial Services LLC self-nominated the firm and submitted quantitative and qualitative information to Barron’s as requested. Barron’s reviewed and considered this information which resulted in the rankings on Aug. 27, 2012/Aug. 28, 2010/Aug. 31, 2009.