What to expect at one of my seminars
Today we are going to preview what you will learn at our seminar. They are very different than the so-called financial seminars you may have been exposed to previously. regularly I say there are three things you can do right now to improve your situation: read my book, come to the seminar and get a Dollar Smart Check-UP. Today's let's talk about the seminar.

After a few pages you will know why reading the book will be helpful to you: in my book titled "Retire Dollar $mart", I approach the whole issue of retirement money management and portfolio design from a completely different angle than you've ever seen before... I maintain that controlling your expenses is much more important than anything else. More important than knowing the right stocks to buy... More important than protecting yourself from market decline... More important than having just the right mix of stocks and bonds... And especially more important than having your portfolio with the correct big investment company. That is truly a unique perspective and I prove it with logic, numbers, and experience. You should read the book if you want the most from your savings during your retirement. 

Coming to the seminar can give you a different perspective on your retirement money management and portfolio design. In my practice, I deal with all the issues that affect you and your family regarding your money in retirement. I teach my clients how they can improve their situation rather than just complain. By coming to the seminar , you'll discover just what you need to do to get the most income in your retirement... Just what is required to minimize your taxes while you increase your income... How most any retiree can have more comfort and security than they ever imagined from their retirement savings and investments. 

This seminar is your next step. It's like a boot camp for folks who think maybe they could do better with their money in retirement. We cover the most frequent financial errors that I see people making with their retirement money management. I try to help people avoid making the financial error of a lifetime. I've seen these errors cause massive pain and suffering to many people and their families. And these errors are so very simple to correct. The seminar is the beginning of a much more pleasant retirement for many folks. And it can be for you too. Coming to my seminar and taking advantage of the opportunities I present there may well be the smartest step you could take in your retirement.

There are several topics that lead in to the most common retirement money management errors... The typical deadly financial mistakes that retirees make - come to the seminar and you will learn:

• Why some of the oldest investing ideas are still best...
• How almost every retiree can get more net income every month... Some get up to twice as much...
• Why you should never buy traditional long term care insurance...
• The truth about estate plans...
• How you can stop losing sleep when the market goes down...
• Where to find the best guaranteed investment accounts...
• What is really going on in the mutual fund industry...?
• How you can get growth that Wall Street won't ever tell you about...

We'll discuss each of these topics in turn, and I'll tell you just a little bit of why retirees make devastating financial mistakes over them.

Every industry with money to make from what you buy tries to convince you that you need what is "new and improved". You've heard it time after time and you've heard it over and over - your old item is outdated now... What you really need is the newest shiniest model. The investment industry is the same. The big mutual funds spend billions to attract new money. As a matter of fact, there's a book out that talks about that and how it affects you... Come to the seminar and learn about that too.

The fact is that some of the oldest investing ideas are still the best: like buying low and selling high … but everything in the current sensational media is geared toward pleasing its advertisers and getting more advertising money. Most financial service advertisers want you to sell what you have now and buy theirs and they invest huge amounts of money in psychological studies by experts to determine just what to say or show on the air to get you to do that - so what you believed was free advice on economic conditions is really a convoluted and complex propaganda-pitch designed to get you to move out of whatever you now own and buy what they have to sell - beware of free advice. It is the most expensive advice you can get!

The next topic is how most every retiree can get more income each month… income is what you've saved for all the years you were working… now that you're retired, it is fixed to a certain amount each month and that amount is determined by the magnitude of your capital fund and the way you have designed your portfolio for income generation. As I clearly show in my book "Retire Dollar $mart", the difference between an excellent design by a qualified retirement income advisor and the typical ones designed using common knowledge and conventional wisdom… the difference is that you can have up to twice as much at the same level of taxes using the better way… up to twice as much monthly income without running the risk of outliving your money… just by applying the genuine rules of retirement portfolio design and using the strategies developed by an advisor who understands the principles of prudent income-stream maximization that I outline in my book, "Retire Dollar $mart. How much better would you feel about your future if you knew that you could have more money for the needs and the pleasures retirement has in store for you? Well, just come to the seminar and learn the truth about retirement income design for portfolio management.

I was sharing some depth on the topics of the seminar and how they lead to the tragic financial errors of a lifetime that I have seen many retirees make just because they listened to the wrong advice - the next topic - is why you should never buy traditional long-term-care insurance…

You are bombarded with sales techniques and so-called free advice on this topic all the time: why do you think that is so? The answer is that traditional long-term car insurance pays hefty commissions to the salespeople who promote it.

Now don't get me wrong - protecting yourself and your savings and your family against the increasing cost of long-term convalescent care is a critical risk management issue in retirement and because it is probably the largest risk management issue you'll have the rest of your life, it is certainly something you need to address and address quickly. But that doesn't mean you should just blindly buy the most expensive strategy and take on a 50% investment risk that you'll lose all the money you invest in that risk management. Come to the seminar and I'll tell you the personal story that started me on a search to better ways than the quick-fix of conventional wisdom. There are better ways, more conservative and frugal venues for you and your family than the 50% possibility that you'll lose 100% of your investment that traditional long-term care insurance represents. Come to the seminar and see.

The next set of topics work together: never again lose sleep as the market declines, and where to find the best guaranteed investment/savings accounts. The stock market makes most of us very nervous. That fact has a tendency to make both retirees and their brokers do many wrong-headed things in a search for stability and freedom from risk. Consider this: what if the conservative part of your money were invested in an account that you could look back at the end of each year and decide which asset class would have been best for you: stock or bonds? Imagine that… an account where you get an interest rate driven by the bond market when stocks decline or driven by the stock market when stocks go up. That interest to be determined at the end of each year when all is said and done. Did you realize such accounts even existed? Do you know where to find them? Are you sure just how much of your portfolio should be invested there - there's never one place that is right for all things. Come to the seminar and you'll discover just how easy it is to access this sort of conservative prudent strategy. You do not have to be completely out of the market in common fixed-interest accounts, locked into what is often the wrong interest rate to get sleep-at-night capital preservation. You no longer need to trade opportunity for safety. Just come to the seminar and find out.

The last two topics work together too: learn what's really going on in the mutual fund industry and how you can get growth that Wall Street won't tell you about. Recently, the Attorney General of the state of New York has put many mutual fund companies and the whole mutual fund industry on notice that the public, their shareholders, will no longer tolerate some of their business practices. Many consumers are shocked to learn that companies they trusted are involved in business deals that could reduce the value of their investments. Many consumers are shocked to learn that the majority of the expenses they incur by owning that mutual fund were hidden from them. When investors come to our seminar we do not focus on the massive wrongdoing the mutual fund industry is accused of perpetrating. We do not focus on the way mutual funds hide their costs from you; we very simply show you an alternative form of packaging for diversification that you should consider. Many of those who attend the seminar are surprised to learn just why they seem to have lost money in some of the reported better mutual funds. Most of those who become our clients welcome the better ideas we share with them. Mutual funds may not be… are probably not… the best way to invest in the market. And nearly everyone needs at least a little money invested in a good growth strategy. At our seminar, we illustrate how we do that for our clients without the risk they could lose their money invested there.

So, there is a brief outline of some of the high points of what you can learn at our seminar… there are several others, like the truth about estate plans that we haven't time to discuss - come to the seminar - for a limited time, I'll be able to keep them free - but we always require tickets - call our 24-hr-automated-answerline and leave your name and address and how many tickets you want to our next seminar. We'll send you a flier announcing the date of the next one that seats are available for. Then we'll call to confirm your seats.

Folks, there are three things you can do to really help yourself regarding your financial comfort and security in retirement: read my book, "Retire Dollar $mart": come to the seminar to get the complete lo-down on how you can use all the ideas we've discussed today. Get all the details on how to avoid the financial mistake of a lifetime. Learn just how you and your family can benefit from the best advice available and improve your future. And then take action: Get a FREE Dollar Smart Check-UP report!

Read the book…
 come to the seminar…
  And get a Dollar Smart Check-UP

Thanks for being with us today - see you next time!