“What you need to know but may never find out….”


  • Who pays the so-called experts who give you free advice? Usually, if you look far enough, you’ll find the conflict of interest. You will find the advertiser with a mutual fund to sell, or an investment product idea to sell, or a banking advertiser, or an insurance advertiser, or you’ll find someone with an investment goal that is not yours. They all want you to buy something!
  • The sensational media will continue to “feed you” half-truths and misinformation designed to please their advertisers. And I will continue to tell you the truth. With investments and savings the truth will set you free … free to get more income and more security and more growth from your savings and investments. The truth will keep your costs low … oftentimes by using strategies that you have never heard of before.
  • Over 90% of the tax returns that I have reviewed illustrate missed opportunities for tax savings. In reality most retired people overpay on their taxes. Why? Because they aren’t totally familiar with the “rules” of the internal revenue tax code. The Internal Revenue Code is threateningly complex. Heaps of rules and regulations very complicated to sort through in order to find the legal ways to help you. Just like looking for that “diamond in the rough”. But diamonds are out there, IF you know where to look AND if you have the right help.
  • Hundreds, or more likely thousands, of your dollars are falling through the cracks each and every year without reason. If you’re like most every retiree that I talk to, you are throwing away thousands of dollars every year — without you knowing it.
  • The vast majority of folks who consider long term care insurance coverage do not buy it for one reason – it costs big money. Since only 48% of all Americans age 65 and older will ever need long-term convalescent care, can you blame them? Why pay large premiums for insurance you may never need to use? It just doesn’t seem to make sense. So these people take their chances. They become gamblers!
  • Millions of people don’t take the small time and easy steps necessary to avoid ugly, unnecessary, and excessive costs that will be inflicted on their heirs. 70% of all Americans that die each year, die without even a simple will.
  • Our government taxes the estates of dead people who have merely done what the government says they want you to do: accumulate assets and fulfill the American dream. Die with over the current exemption amount in assets and the government, federal and state, will start to tax your estate at a beginning rate of 4% and maybe as high as 47%, depending on how far over the “exemption” you grow.
  • Some people go to the effort to set up a trust and then fail to fund it. When you think of a trust, think of an empty box. That’s all a trust is. A specially designed “box” that will do things like make sure everything in the box avoids probate. But only the things that are in the box avoid probate – only the assets titled to the trust. Your assets need to be put in the box. If you don’t take this last step, all the time and money you spent to set up a trust will be completely wasted.
  • The fact is, your estate plan can be really easy, and cost you nearly nothing. Most people overpay, spending unnecessary money on routine financial expenses. By simply realizing what you are overpaying on then correcting those errors, it’s easy to pay for your estate plan many times over.
  • There are more mutual funds available today than there are stocks to put in them. The average mutual fund charges 1.61% annually in management fees, fees subtracted directly from your growth before you get a statement. But the real cost is more like 3% total. The average mutual fund “turns over” 95% of its portfolio each year. The problem is that most mutual funds buy and sell stocks for a profit, but the profit is much smaller than the profit you’d receive if they didn’t manage your money at all. Over 90% of all mutual funds charge management fees but don’t even beat the average. (The most commonly used market average is the Standard & Poor 500 index. Yet you still pay fees to the mutual fund manager.
Gen an advice which will be one of the most important investments in your finances, get this powerful information, take advantage of the opportunities you deserve, order today!
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