Allstate(R) - Rob Luley Jr.

	Rob Luley Jr.		(704) 363-3870
	Allstate Personal Financial Representative

Rob Luley Jr.
724 Arden Ln #110
Rock Hill, SC 29732
Office: (704) 363-3870
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My Qualifications
As a Personal Financial Representative living in Fort Mill, SC for three years with my wife, I know many...more

Allstate offers products that address a broad spectrum of financial objectives from savings and banking products to investment alternatives and a variety of specialized financial coverage.

Supplemental Health Insurance

	What investments can I use to save for college?
	What will it take to save for college?
	How much should I budget for living expenses?

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529 plans offer a flexible, tax-advantaged way to fund higher education. Money grows tax deferred and distributions are tax free, if used for qualified higher education expenses. Contribution limits vary by state.


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Learn which savings options can best help you meet your education funding goals.

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Take the first step to building a solid financial plan that meets today's needs while securing your future.


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529 college savings plans vary by state, including contribution limits, state tax advantages, investment options and fees and expenses. You should carefully consider, before investing, whether your or the designated beneficiary's home state offers any state tax or other benefits that are only available for investments in such state's 529 college savings plan. Investment in 529 college savings plans grows tax-deferred, and distributions, if used for qualified higher education expenses, are federal tax-free. Please note that tax-free withdrawals for qualified higher education expenses are set to expire in 2011 unless the law is extended by Congress. Nonqualified withdrawals are subject to current ordinary income taxes and may be subject to an additional 10% federal tax penalty. Tax laws are subject to change and contributions and earnings may not be adequate to meet future educational expenses. Participation in a 529 college savings plan does not guarantee that contributions and earnings will be adequate to cover your child’s future college costs.

Contributions to Coverdell Education Savings Accounts are limited to $2,000 annually per designated beneficiary, and eligibility is tied to income. Earnings grow tax deferred, and distributions, if used for qualified education expenses, are federal tax-free. Nonqualified withdrawals are subject to current ordinary income taxes and may be subject to an additional 10% federal tax penalty. Tax laws are subject to change, and contributions and earnings may not be adequate to meet future educational expenses.

Allstate does not provide tax advice. Please consult your tax advisor for specific information.

Rob Luley Jr. is licensed to sell Allstate insurance products only in the state(s) of SC and NC. The material contained in this Web site is applicable only in the state of SC. If you do not reside in the state(s) of SC and NC, please go to the Find an Agent section on allstate.com to search for another Allstate representative.

This material is intended for educational purposes only. Allstate, through its insurance companies, subsidiaries, and brokers/dealers, offers a variety of products including life insurance and registered securities. Certain products, such as variable annuities, variable universal life insurance, mutual funds and 529 Plans, are available only through securities licensed representatives, and sales material must be accompanied by a prospectus. Life insurance and fixed annuity products are available from Allstate Life Insurance Company: Home Office, Northbrook, IL., and Lincoln Benefit Life Company: Home Office, Lincoln, NE. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC. Registered Broker-Dealer, Member NASD, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727.

Banking products offered through Allstate Bank, Member FDIC. Other products sold by Allstate are not insured by the FDIC, are not a deposit or other obligation of or guaranteed by Allstate Bank, and may be subject to investment risks, including possible loss of principal amount invested.

Date Updated: 3/28/2008 1:22 PM (4219)

IMCW00110

(03/15/2006)