Privacy Policy:

Privacy Policy

Clergy Advantage® respects the privacy of every individual who visits our website or responds to our internet or printed advertisements. This Privacy Statement outlines the personal information that Clergy Advantage® will collect and how we will use that information. This Privacy Statement will also provide instructions on how you can verify the accuracy of your personal information and how you can request that we delete your personal information from our databases.

Personal Information
When you visit the clergyadvantage.com or clergysupport.com website or respond to any of our printed advertisements, we will not collect any personal information about you (such as your name, address, telephone number or e-mail address) unless you provide it to us voluntarily. If you choose not to provide your personal information, no material consequences will result, although you may be unable to receive products, content and/or product information that requires this information for fulfillment of your request.

Personal Information Use
Clergy Advantage® may store and process your personal information in order to fulfill your orders for our products and services, and we may use your personal information to contact you regarding your account or to inform you of new products and services which we believe that you may be interested in. We may also merge your personal information with data obtained from third parties for the same purposes. Clergy Advantage® will not sell your personal information to any outside organization for the organization’s own use without your consent. Personal information submitted in employment inquiries will be used only in the employment application process.

Security
Clergy Advantage®, Inc. is committed to keeping the data that you provide us secure and will take reasonable precautions to protect your personal information from loss, misuse or alteration. Agents or contractors of Clergy Advantage® who have access to your personal information in connection with providing services to Clergy Advantage® are required to keep the information confidential and are not permitted to use this information for any other purpose than to carry out the services that they are providing to Clergy Advantage®.

Minors
Clergy Advantage® markets to taxpayers and has no intention of collecting any personal information from individuals under eighteen years of age and will delete such information from our databases upon discovery. If a child has provided us with personal information, a parent or guardian of that child may contact us to remove this information from our databases.

“Cookies”
In certain cases, we may automatically collect information that is not personal in nature such as the type of internet browser that you are using. In addition, when you are using our internet service, we may store some information on your computer in the form of a “cookie”. This allows us to tailor our website to provide you with services which are optimized for speed and ease of use by your computer. Most internet browsers enable you to erase “cookies” from your hard drive, block “cookies”, or receive a warning before a “cookie” is stored on your hard drive. Please refer to your internet browser instructions to learn more about these functions. Clergy Advantage® does not collect or store any personal information automatically.

Correction/Deletion
If you have submitted personal information through our website or printed offers and would like to have that information corrected or deleted from our databases, please contact us via e-mail, telephone, fax or mail.

You owe it to yourself to see if a Roth IRA is a good strategy for you. We’ve used and advocated converting retirement income into a Roth IRA for many people over the years, but it has become even more appealing due to new tax provisions for 2010.  Some of the restrictions on converting money to a Roth have been removed and you can actually undo any portion of  the conversion as late as October of next year. 

Who should look at a Roth IRA Conversion?

This is an individual discussion because of all the various concerns and factors for each situation. We’re suggesting that everyone take a look at the benefits of converting some or all of a regular IRA into a Roth, particularly if you’re a married minister or in a high or low tax bracket.  Many ministers in the 0% tax bracket don’t realize it because of their housing allowance. These people definitely meet some of the criteria to consider a Roth conversion.   However, you can’t automatically disqualify yourself if you fall into the middle ( 10-15% ) tax brackets either.  Don’t believe you’re too young or too old for this strategy to work for you, either.  For many, but not all ministers, the best time to consider this strategy is when housing espenses are highest.   

Your state tax and estate plan need to be taken into account, as well as,  the cost and possible tax ramifications for the year of the coversion and a myriad of other factors, so it’s not as simple a calculation as one would hope.   Most people shouldn’t  try  to  figure this one out on their own.  The best way to determine and weigh all of the necessary factors is to evaluate your situation carefully with a qualified tax planner and financial advisor.  We’ll go deeper into the ramifications and criteria if you’d like to call us for a personal evaluation or join us for a  free webinar for more details. Learn more details of Roth IRA Conversions  in a free webinar to discover more about Who should convert and Why. Click here for information or to Register.