May Newsletter Revision
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H C Murray Corp. Newsletter
May 2009
Hoyt C. Murray, CLU, ChFC
6133 Rockside Rd., #405, Independence, OH 44131
216-525-7280, 216-525-7286 (fax)
 
In This Issue
Estate Tax May Stay at "09 Levels
Time to Convert to a Roth IRA?
Disability Insurance Awareness Month
 H.C. Murray Corp. was established in 1980 as an independent insurance agency.

Since H.C. Murray Corp. is an independent firm, we offer several types of coverage from a wide variety of companies.  This allows us to focus on providing you with the right amount of insurance and the right type of coverage for your needs.

Whether you insurance needs are business, personal or both, we have a genuine interest in finding the right solution for you.  Our attention to detail and dedication to our customers have set us apart from the rest.

 
 
 

Products & Services

  • Life & Disability Insurance Planning
  • Corporate Benefit Planning
  • Business Succession Planning
  • Estate Planning
  • Retirement Planning
  • Long Term Care Planning
  • Property & Casualty Insurance Protection
  • Health Insurance Protection
 
 
You will never find time for anything.  If you want time you must make it.---Charles Buxton
Our Website
 

Five Tips for Finding the Right Advisor

Contact Us
H.C. Murray Corp.
6133 Rockside Road, Suite #405
Independence, OH 44131
216-525-7280
216-525-7286 fax
 
 
 
 
 

In the News.....

 

Greetings!
 We hope you find our May newsletter enjoyable and informative.
Estate Tax May Stay At '09 Levels 
 
WASHINGTON -- Democrats have included an estate tax freeze provision in a 5-year budget proposal.

The provision would freeze the estate tax at the 2009 level, with a $3.5 million per-person exemption, and a 45% maximum tax rate that would be indexed for inflation.

Congressional leaders expect the House to take up the budget legislation today, and for the Senate to follow suit by the end of the week.

The final version of the budget resolution will help set the rules that will govern the budget process, but it will not lead directly to funding appropriations.

One practical effect the final budget resolution will have will be to determine which spending requests will be considered under regular order and which through the budget reconciliation process.

Supporters of provisions going through the budget reconciliation process need just 51 votes in the Senate to get to the Senate floor.

When supporters are trying to get a spending request through Congress under regular order, they need permission from at least 60 senators to get the request to the floor.


Read More: Estate Tax
Time to Convert to a Roth IRA?

Has your traditional IRA dropped in value? Do you expect to pay higher federal income tax rates on your withdrawals in future years? If you answered yes to both questions, you have a golden opportunity to convert all or part of your IRA balance into a Roth IRA.
 
 Disability Insurance:
Because No One Is Indestructible
 

You're energetic, able-bodied and fit, and probably haven't given much thought, if any, to the possibility of something happening that would prevent you from going to work every day. It's even less likely that you've spent time thinking about your need for disability insurance.

That's a mistake a lot of people make. They think disability insurance is something they'll get to eventually, maybe when they're a little older or when health issues start to arise. In reality though, a disabling illness or injury can strike at any time, and the odds of it happening to you are much greater than you probably realize.
 
 
 
                Frustrated with "Low Interest" Rates?
                 Where Do You Put Your Safe Money?
 
 Frustrated with Low Rates on Your CD? 
Consider a Fixed-Rate Annuity Contract!
4.75% One-Year Rate Guarantee
 3.0% Minimum Interest Guaranteed
 Call Us to Learn More! 
 
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HC Murray Corp. | 6133 Rockside Rd | Suite 405 | Independence | OH | 44131

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