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I have helped older adults use tax-free retirement money and let their money work for them allocating idle money from CD towards their indexed and immediate annuities and index Universal Life Policies for a tax-free lifetime retirement income with no market risks and with health benefits when cancer,stroke or disability occurs. Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 in 50 US states.