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A direct transfer is a method of moving qualified funds from one trustee to another without triggering a taxable event. Transfers often occur between two financial institutions but they can also be between contracts or accounts at the same institution. To qualify as a transfer:
- It must be between “like-kind” plans (e.g. Traditional IRA to Traditional IRA, TSA (Tax Shelter Annuity) to TSA
- There must be no constructive receipt of the funds. In other words, the check must be payable and directed to the receiving financial institution as trustee
A direct rollover is a method of rolling certain distributions from a qualified retirement plan or TSA to another kind of qualified retirement plan (e.g. TSA to a Traditional IRA, 401(k) to a Traditional IRA). To qualify as a direct rollover:
- The funds distributed must be an “eligible rollover distribution” which can generally be described as a distribution received upon a qualifying event such as retirement, termination of employment, attainment of age 59½, or disability. Regulations specify certain items that are not considered eligible rollover distributions (e.g. required minimum distributions)
- The receiving qualified retirement plan must allow rollovers from other parties
- The funds must be transferred directly from one financial institution to another for your client’s benefit. In other words, the check must be payable and sent to the receiving financial institution as trustee
A 1035 exchange is the exchange of an insurance contract for another that meets all the requirements of Section 1035 of the Internal Revenue Code (IRC 1035). When a contract is exchanged under IRC 1035, the gain or loss of the exchanged contract is transferred to the new contract. Requirements for non-taxable treatment include:
- The owner and the insured/annuitant on both contracts must be identical
- The contract being exchanged must be in force. If the contract is maturing, the 1035 exchange must be signed prior to the maturity date
To annuitize is to convert the accumulated value of an annuity into a stream of income. The payments may be a fixed amount for a fixed period of time or for a lifetime.
Sed posuere consectetur est at lobortis. Aenean lacinia bibendum nulla sed consectetur. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auctor. Nullam id dolor id nibh ultricies vehicula ut id elit.
These are the most amazing people to work with! They mean the world to me. They each go above and beyond to help me be successful and help my clients attain their financial goals.
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You’re ready for a partnership that provides individualized support and a commitment to work with you the way you want. See how we work together.
Exceptional service is just a call or click away. Let us show you how whatever the question, whatever the need, Ash Answers.
Always super prompt. Always helpful. Always exceptionally speedy answering my questions and lending me any support I need.

These are the most amazing people to work with! They mean the world to me. They each go above and beyond to help me be successful and help my clients attain their financial goals.
Add an awesome stat or fact here! Think quick, awesome, and captivating. Nothing lengthy! 1-3 sentences.
Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Lorem ipsum dolor sit amet, consectetur adipiscing elit.
A direct rollover is a method of rolling certain distributions from a qualified retirement plan or TSA to another kind of qualified retirement plan (e.g. TSA to a Traditional IRA, 401(k) to a Traditional IRA). To qualify as a direct rollover:
- The funds distributed must be an “eligible rollover distribution” which can generally be described as a distribution received upon a qualifying event such as retirement, termination of employment, attainment of age 59½, or disability. Regulations specify certain items that are not considered eligible rollover distributions (e.g. required minimum distributions)
- The receiving qualified retirement plan must allow rollovers from other parties
- The funds must be transferred directly from one financial institution to another for your client’s benefit. In other words, the check must be payable and sent to the receiving financial institution as trustee
A direct transfer is a method of moving qualified funds from one trustee to another without triggering a taxable event. Transfers often occur between two financial institutions but they can also be between contracts or accounts at the same institution. To qualify as a transfer:
- It must be between “like-kind” plans (e.g. Traditional IRA to Traditional IRA, TSA (Tax Shelter Annuity) to TSA
- There must be no constructive receipt of the funds. In other words, the check must be payable and directed to the receiving financial institution as trustee
A 1035 exchange is the exchange of an insurance contract for another that meets all the requirements of Section 1035 of the Internal Revenue Code (IRC 1035). When a contract is exchanged under IRC 1035, the gain or loss of the exchanged contract is transferred to the new contract. Requirements for non-taxable treatment include:
- The owner and the insured/annuitant on both contracts must be identical
- The contract being exchanged must be in force. If the contract is maturing, the 1035 exchange must be signed prior to the maturity date
To annuitize is to convert the accumulated value of an annuity into a stream of income. The payments may be a fixed amount for a fixed period of time or for a lifetime.
Cras mattis consectetur purus sit amet fermentum. Nulla vitae elit libero, a pharetra augue. Etiam porta sem malesuada magna mollis euismod. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.
Cras mattis consectetur purus sit amet fermentum. Nulla vitae elit libero, a pharetra augue. Etiam porta sem malesuada magna mollis euismod. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.
These are the most amazing people to work with! They mean the world to me. They each go above and beyond to help me be successful and help my clients attain their financial goals.
Always super prompt. Always helpful. Always exceptionally speedy answering my questions and lending me any support I need.


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Always super prompt. Always helpful. Always exceptionally speedy answering my questions and lending me any support I need.







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Sed posuere consectetur est at lobortis. Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Cras mattis consectetur purus sit amet fermentum. Aenean lacinia bibendum nulla sed consectetur. Donec sed odio dui.
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Sed posuere consectetur est at lobortis. Duis mollis, est non commodo luctus, nisi erat porttitor ligula, eget lacinia odio sem nec elit. Cras mattis consectetur purus sit amet fermentum. Aenean lacinia bibendum nulla sed consectetur. Donec sed odio dui.
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When amazing women come together, there's no limit to what we can accomplish. That's why we created She Impacts. Join us this fall in Fort Wayne for your chance to connect with other women in the industry and learn innovative strategies that will help your business thrive.

Clarify the myriad of indices in the industry. Uncover emerging economic trends. Grow, manage and systematize your business. After spending a few days with Ash's Retirement team and your peers, you'll walk away being able to have clear conversations with clients.

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Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum. Vestibulum id ligula porta felis euismod semper. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Praesent commodo cursus magna, vel scelerisque nisl consectetur et. Aenean lacinia bibendum nulla sed consectetur.

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Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.
Vestibulum id ligula porta felis euismod semper. Praesent commodo cursus magna, vel scelerisque nisl consectetur et.
Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.
Vestibulum id ligula porta felis euismod semper. Praesent commodo cursus magna, vel scelerisque nisl consectetur et.
Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.
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Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.
Vestibulum id ligula porta felis euismod semper. Praesent commodo cursus magna, vel scelerisque nisl consectetur et.
Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.
Vestibulum id ligula porta felis euismod semper. Praesent commodo cursus magna, vel scelerisque nisl consectetur et.
Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum.
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