From: drsra To: Michael Mader <I Subject: Re: Letter from Transamerica Date: Tue, 31 Jul 2012 14:46:33 +0000 Inline-Images: image002.jpg Since I know nothing about these things, I will take your advice and keep the annuity as it now stands. I would not know where to put the money if I cashed it out anyway. Steve - - On Mon, 7/30/12, Michael Mader 4ti > wrote: From: Michael Mader < Subject: Letter from Transamerica To: ' Date: Monday, July 30, 2012, 5:57 PM Good afternoon Stephen, Just to let you know there was a letter sent to you from Transamerica regarding your Variable Annuity with them. They are offering a buyout of your contract, most likely to avoid the liability of the Guaranteed Minimum Income Benefit (current balance @100k). I would recommend not taking the offer at this time, unless you feel differently. The best option in the market right now is a 7% guarantee for the income benefit however it will take 4 years to get back to the benefit level where you are today. Let me know if you have any questions and talk to you soon. Michael E. Mader, CFP® Veritas Wealth Advisors 8751 W Broward Blvd Ste 203 Plantation, FL 33324 954.990.2252 fax EFTA00940103