From the category archives:

Investments

31 FLAVORS to Create an Abundant Retirement

July 25, 2010

Podcast: Download (22.9MB)

Missed Fortune RadioThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, July 27th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset Optimization: How to Choose the Right Investments.” You’ll learn how to maintain liquidity and guarantee safety of principal while earning a healthy, tax-free rate of return that outpaces inflation.

Register now by calling 1-888-76-Radio (888-767-2346). If operators are busy, please call again.

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Investors Losing Confidence in Traditional Investments

Investors are getting tired of the slow gains for a few years only to have those gains, along with original principal, be lost rapidly.

In 2008, most people lost 31 percent from their IRA and 401(k) and are still not back to what they had in as their initial principal.

Investors are getting fed up with the same traditional advice of investing in IRAs and 401(k)s, to postpone taxes and to have to deal with market volatility for the long-term gain.

According to a new survey from Prince & Associates, 81 percent of investors with $1 million or more in investable assets plan to take money away from their current advisor. An even larger number, 86%, plan to tell other investors to avoid their advisor.

Only 2% plan to recommend their firm to other investors. That’s of critical importance, because wealthy investors often get investment advice from each other.

Deferring taxes to a later date as taxes continue to rise, lacking liquidity, and placing the rate of return for a retirement nest egg in variable products are only three of the major problems with these traditional investments.

How Can You Gain Confidence and Prepare for an Abundant Retirement?

The first step to gaining confidence is to avoid falling into the investment traps that so many others are facing by deciding not to use the same investment advice that they are.

Why would you defer taxes knowing that the trend is that taxes are rising? Why you would place your retirement hopes into a volatile market and hope to time the market correctly?

By learning the 31 FLAVORS of Missed Fortune, you can:

  1. Choose tax-free investments instead of tax-deferred ones
  2. Have liquidity so that you can access your money when you would like to
  3. Enjoy safety of your principal where you can lock in gains using indexing.

FLAVORS stands for “fortunes lost amidst valid optimization and reallocation strategies.” Implementing 2 or 3 of the 31 can generate $70-80 thousand dollars a year for retirement that is tax free and will continue to be replenished year after year no matter what is happening in the market.

The 31 FLAVORS can show you key points in the different financial aspects of your life that can allow you to sleep comfortably at night knowing that you are not gambling with your retirement. They include:

  • 6 FLAVORS regarding choosing the wrong investments for retirement
  • 6 FLAVORS about your home and real estate
  • 3 FLAVORS on proper tax planning and avoiding unnecessary taxes
  • 7 FLAVORS on asset management
  • 5 FLAVORS regarding risk management
  • 2 FLAVORS about credit and debt management
  • 2 FLAVORS on estate planning

Meet with a Missed Fortune advisor and learn how to implement these 31 FLAVORS and guarantee yourself an abundant retirement.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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Avoid 10 Key Mistakes To Ensure A Fruitful Retirement

July 18, 2010

Podcast: Download (22.9MB)

Missed Fortune RadioThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, July 20th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset Optimization: How to Choose the Right Investments.” You’ll learn how to maintain liquidity and guarantee safety of principal while earning a healthy, tax-free rate of return that outpaces inflation.

Register now by calling 1-888-76-Radio (888-767-2346). If operators are busy, please call again.

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Are You Prepared for the Problem of Long Life?

Many thoughts of long lives and long retirements are of vacation trips, no debt, and plenty of disposable cash on hand to be able to give to your children, grandchildren, favorite charity.

Sadly, for most Americans these remain only thoughts as growing percentage of Americans are outliving the money they have set aside for retirement.

They literally cannot afford a long life. Instead, they become financially depend on others.

It seems absurd that after working an average of 40 years in the richest nation in the world that only a very small percentage of people can afford a long retirement, but that is the reality.

The reasoning is simple. It is because 95 percent of people are investing the same way and making the same mistakes.

The IRA and the 401(k) are the most popular retirement strategies in the U.S. With these strategies people are hoping to grow their investments and postpone taxes until they fall into a lower tax bracket because they are earning less.

This concept is riddled with problems. Most notable is that hopes of being in a lower tax bracket will not be realized because even though there is less income, there are often less deductions as well.

That, mixed with the fact that congress is continually raising taxes, means if anything people should expect higher taxes.

Other people follow the financial advice that paying off all debt will create financial independence.

These strategies implore people to send extra principle payments into their mortgage companies to alleviate themselves of any debt.

This strategy has caused many people to ultimately lose their homes because they lacked liquidity so when the economy dropped they couldn’t even afford to make the scheduled payments.

How Can You Protect Yourself & Afford a Long Retirement?

In order to protect against the common mistakes people are making in retirement planner, it is first necessary to know what these mistakes are.

There are ten mistakes I detail in my e-book, Baby Boomer Blunders, which are as follows:

  1. Short-term investments being used for long-term goals.
  2. Thinking that you will only live, therefore need to budget, for 15-20 years of retirement.
  3. Believing that paying off your home will give you peace of mind.
  4. Believing that $100,000 to $400,000 will be enough of a nest egg to fund your retirement.
  5. Thinking that you will be in a lower tax bracket when you retire.
  6. Believing that deferring taxes on retirement funds saves you on your taxes.
  7. Thinking IRAs and 401(k)s are the best way to fund your retirement.
  8. Reaching retirement age and not drawing out retirement funds from IRAs and 401(k)s because you don’t need the money, instead of doing a strategic rollout.
  9. Viewing retirement as a time when you can do all of the things you always wanted to.
  10. Thinking retirement is the time to coast instead of keeping a purpose.

Meet with a Missed Fortune advisorand learn to avoid the baby boomer blunders and be introduced to the empowering 31 F.L.A.V.O.R.S. of missed fortune.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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Prevent Obama’s Increasing Debts from Bursting your Nest Egg

July 11, 2010

Podcast: Download (22.9MB)

Missed Fortune RadioThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, July 13th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset Optimization: How to Choose the Right Investments.” You’ll learn how to maintain liquidity and guarantee safety of principal while earning a healthy, tax-free rate of return that outpaces inflation.

Register now by calling 1-888-76-Radio (888-767-2346). If operators are busy, please call again.

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Government Confusion Has Led to Gambling Plan

Is our nation’s best hope for an economic recovery left to officials who will continue increasing our debt at an alarming rate?

Nile Gardiner voices his alarm at this question in “America is sinking under Obama’s towering debt”:

“I hope the White House is paying attention to the latest annual Congressional Budget Office Long-Term Budget Outlook, which offers a truly frightening picture of the scale of America’s national debt, with huge implications for the country’s future prosperity. According to the non-partisan CBO, “the federal government has been recording the largest budget deficits, as a share of the economy, since the end of World War II…

“As a result of those deficits, the amount of federal debt held by the public has surged. At the end of 2008, that debt equaled 40 percent of the nation’s annual economic output (as measured by gross domestic product, or GDP), a little above the 40 year average of 36 percent. Since then, large budget deficits have caused debt held by the public to shoot upward; the Congressional Budget Office (CBO) projects that federal debt will reach 62 percent of GDP by the end of this year—the highest percentage since shortly after World War II.”

In the last year the debt has risen from about $11.7 trillion to $14 trillion. And with the baby boomers coming up on retirement needing social security, Medicare and Medicaid, this number should be expected to soar.

As a result about a quarter of the population believes that the economic stimulus package has created jobs. In fact according to a recent Rasmussen report, over 40 percent of the population believes that the economy is now in a worse position as a result of the implementation of this plan.

Social security seems to use the same plan that Bernie Madoff used causing him to go to jail. It simply takes the money from the newer members and uses it to pay off the benefits promised to older members.

The only difference is this “robbing Peter to pay Paul” plan is considered legitimate since is falls under government control.

At this point it seems that the government is confused and policy makers have decided to bet that the private sector can make for some of the stimulus over the next few years.

If they are right they can get a head start on trying to close the budget deficits, but if this gamble is wrong they may set off a vicious new cycle in which drastic spending cuts could greatly weaken the world economy.

How to Protect Yourself?

We can no longer expect the government to fix everything. Those in a position to promote growth should do so.

It is time for individuals to take ownership of their future, health-care needs and retirements and create their own stimulus plan.

In “Create Your Own Economic Stimulus Plan — Save Yourself Because Big Government Can’t” six points are addressed teaching the ways to create economic growth for yourself no matter what schemes the government is trying to ‘fix’ the economy.

The following are the initial three points of this plan that can lead you toward financial growth no matter what is going on in the world economy.

1. Learn how increasing your credit score from 680 to 720 can increase your monthly income by $700 a month.

2. Learn to use $150,000 of equity in your house to create an additional $2.3 million in your retirement.

3. Forget 401(k) and IRA plans and learn to earn, grow and upon death even transfer money tax free.

Meet with a Missed Fortune advisor to gain a greater understanding of these points and learn to avoid being a pawn in the governments stimulus gamble.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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Big Government Will Further Depress the Economy

July 4, 2010

Podcast: Download (22.9MB)

Missed Fortune RadioThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, July 6th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset Optimization: How to Choose the Right Investments.” You’ll learn how to maintain liquidity and guarantee safety of principal while earning a healthy, tax-free rate of return that outpaces inflation.

Register now by calling 1-888-76-Radio (888-767-2346). If operators are busy, please call again.

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Don’t Be Fooled by Government Misdirection

Currently the government is trying to use the oil spill crisis as an excuse to push through a cap-and-trade program that would ultimately hurt American taxpayers.

This would only negatively affect the economy and raise energy prices for businesses and families. Cap-and-trade basically constitutes an enormous hidden tax that would be forced upon Americans and would cause a higher rate of joblessness and make a bad economic situation worse.

Our leaders should be focusing on solving problems today, stopping the oil spill, strengthening our economy and creating an environment where job creators can thrive.

Instead, politicians have chosen to focus on growing government — whether through cap-and-trade, costly stimulus bills, auto company bailouts, job-killing legislation, or a health-care law that imposes higher taxes.

The Federal Reserve, who promoted the housing mania, and Treasury Department, who bailed out willy-nilly institutions without any consistent rules, is being granted more powers to try to boost our economy.

Larry Kudlow, author of Kudlow’s Money Politics states:

“Stop the crazy spending and borrowing and stocks will start to rise again while economies push up recovery speed. In the United States and around the world stocks have fallen about 11 percent this spring. It’s a signal of lost confidence. Out of control deficit spending has swept the world toward the leftist vision of big government. We need a return to free enterprise incentives in order to speed up recovery.”

In short, leaders should be focused on cutting spending and borrowing to hold down tax rates and try to restore confidence in private enterprise.

Who Will Make Money on Your Investments?

The government is not and will not be pushing its efforts towards the private sector any time soon.

Instead of sitting idly by waiting to see what will happen, investors should seriously think about taking some of their investments “off of the table.”

Taxes are going to rise January 1, 2011 and investors can expect a 5 percent increase in the capital gains tax. The health care bill has already shown Americans two new surprising tax increases.

In her article “How the New Wealth Taxes Will Hit You,” Laura Saunders writes:

“The health-care bill that Congress passed in March contained two surprising new taxes to help pay for the changes: an extra 0.9% levy on wages for couples earning more than $250,000 ($200,000 for singles) and a new 3.8% tax on investment income on those same people (technically, people with ‘adjusted gross incomes’ above those amounts).

“Each tax signals a radical change in policy. For workers, the extra 0.9% levy puts a progressive element in what used to be a totally flat tax. The 3.8% tax on investment income also knocks down a longstanding wall by applying a ‘payroll’ tax to unearned income. Until now, FICA taxes for Social Security and Medicare have applied only to wages, not investment income.”

With the increase in taxes coming and Obama’s continued push to grow big government, future stocks values will be damaged. Any strong week in the market should be viewed as a great time to sell.

Meet with a Missed Fortune advisor to learn how to protect yourself against these and other impending taxes.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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Taking Back Control from Congress & the Fickle Market

May 30, 2010

Podcast: Download (23.0MB)

Missed Fortune RadioThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, June 1st at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset Optimization: How to Choose the Right Investments.” You’ll learn how to maintain liquidity and guarantee safety of principal while earning a healthy, tax-free rate of return that outpaces inflation.

Register now by calling 1-888-76-Radio (888-767-2346). If operators are busy, please call again.

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Who Determines Your Financial Fate?

The New York Times published an article last week entitled “As Reform Takes Shape, Some Relief on Wall Street.” The article reports on the financial reform bill working its way through congress, and says:

“Despite the outcry from lobbyists and warnings from conservative Republicans that the legislation will choke economic growth, bankers and many analysts think that the bill approved by the Senate last week will reduce Wall Street’s profits but leave its size and power largely intact. Industry officials are also hopeful that several of the most punitive provisions can be softened before it is signed into law.”

If you’re heavily invested in the market, you’re heavily invested in the outcome of this legislation. You’re left to the whims and power-mongering of Congress, the vagaries of the market, the inevitable rising of inflation.

In short, you have little to no control. You’re sitting on the sidelines hoping and praying that the changes won’t negatively affect your account.

Why not take back your control? Why not empower yourself and become immune from market volatility, guarantee your principal, outpace inflation, reduce your taxes, and increase your liquidity?

You can, with Missed Fortune Strategies. Meet with a Missed Fortune advisor to learn how.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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Avoid Stock Market Trauma

May 11, 2010

Recently the Dow set an all-new record –- albeit not a record to be proud of –- when it plunged nearly 1,000 points in a single day of trading before it recovered to a loss of 348 points by day’s end.

Investors around the world watched the free fall in horror, catching their breath as the spiral finally slowed and trading improved.

As it turns out, the drop was in part due to technical errors which in turn triggered further losses, but whatever the cause, the roller coaster ride was enough to leave more than a few investors shaken.

This is just one more example that makes it clear: Serious retirement money can be better off when it is not directly invested in the stock market.

Too many soon-to-be retirees –- and those already in their “golden years” –- find themselves vulnerable to the sharp ups and downs the stock market can bring.

Similarly, those with their money in 401(k)s and IRAs can be significantly impacted by bad days on Wall Street.

On the other hand, these investors want solid returns that help their retirement savings gain momentum.

Safe but sluggish CDs, money markets and similar vehicles can take too long, with too little return to make a difference.

Ideally, it would be nice to find retirement savings vehicles that can benefit from the ups of the stock market, while being protected from the downs.

There is a type of investment that offers this safety and rate of return.

What’s more, it offers liquidity to protect you in times of need. And by properly utilizing indexing, you can take advantage of the up ticks in the stock market, while sparing yourself the agony of the down ticks.

It’s all available through maximum-funded, tax-advantaged insurance contracts; they can provide a best-of-all-worlds solution to retirement planning.

Find out more today so you can feel secure, watching the world ride the ups and downs of the stock market, while you steadily take your journey toward your retirement.

Isn’t It Time You Became Wealthy?

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The $25,000 Mistake Made by Millions of Americans

April 25, 2010

Podcast: Download (23.0MB)

Missed Fortune RadioThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, April 27th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset Optimization: How to Choose the Right Investments.” You’ll learn how to maintain liquidity and guarantee safety of principal while earning a healthy, tax-free rate of return that outpaces inflation.

Register now by calling 1-888-76-Radio (888-767-2346). If operators are busy, please call again.

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

New Changes in Store for Retirement Planning?

The debate continues over how to best regulate the financial industry.

This should concern every American, because the results of the squabble could seriously affect all of us.

New decisions and new legislation could transform how we save for retirement and how long our money lasts during retirement.

It could mean costly bailouts that we’ll have to pay for in higher taxes. Or it could also mean complete overhauls that change the rules of retirement vehicles as we’ve known them.

Your retirement funds have never been in more danger than they are right now.

You need to save in vehicles that give you tax-free growth, tax-free access, tax-free withdrawal, and tax-free transfer to heirs.

Don’t leave your future up to squabbling politicians. Take things into your own hands now to transfer your retirement funds into these vehicles.

The Quickest & Safest Way to Pay Off Your Mortgage

I once met with three finance professors at a respected university. They told me that the best way to pay off one’s home is through a 15-year mortgage.

As they said, it saves interest, and once you’ve paid off your home you can set aside what you were paying to your mortgage company and get interest working for you.

In a few minutes, I rocked their world by showing them how, on a $150,000 mortgage, that was a $25,000 mistake.

Instead of a 15-year mortgage, get a 30-year and pay the difference into a conservative side fund.

In 13 and a half years, you’ll have enough money to pay off your mortgage. At the end of 15 years, there would be enough to pay off the mortgage — and you’d have $25,000 left over.

The quickest and smartest way to get out of debt isn’t to send extra payments to the mortgage company. It’s to maintain liquidity and grow a side fund that can be used to pay off your mortgage any time you want.

Meet with a Missed Fortune advisor to learn more details.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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The 31 FLAVORS of Missed Fortune

April 8, 2010

“FLAVORS” stands for “Fortunes Lost Amid Valid Optimization & Reallocation Strategies.”

The following are the 31 most common ways we see people losing money. Read them to consider where you may be losing, then meet with a Missed Fortune advisor to plug the holes.

Retirement Planning (choosing the wrong investments):

1. Using short-term investments for long-range goals and long-term investments for short-range goals

2. Putting money in “crawl” investments such as CDs and Money Markets

3. Putting money in “walk” investments such as annuities

4. Thinking that IRAs and 401(k)s are the best way to save for retirement

5. Postponing qualified plan distributions until age 70½ and/or taking minimum distributions

6. Not employing one of your greatest assets—home equity via a reverse mortgage

Your Home and Other Real Estate:

7. Not employing the lazy, idle dollars trapped in your home and other real estate

8. Sending extra principal payments against your mortgage

9. Paying large cash down payments when acquiring real estate

10. Paying unnecessary capital gains when selling rental income real estate

11. Not realizing that you can buy property without down payments or credit.

12. Renting your residence instead of owning (buying) it

Tax Planning (paying unnecessary tax):

13. Not claiming enough withholding W-4 allowances (to get bigger tax refunds)

14. Not maximizing tax deductions and itemizing them on your tax return

15. Not understanding the huge difference between tax-deferred and tax-free growth on savings and investments

Asset Management (choosing the wrong strategies):

16. Trying to time the market (thus buying and selling at the wrong times because of emotion)

17. Relying on the purchase of commodity products rather than employing proven investment strategies

18. Not maintaining liquidity with all assets (the ability to get your money when you need it)

19. Not keeping your principal safe (protecting yourself from potential loss of principal)

20. Not earning a rate of return greater than taxes and inflation, and the cost of those funds

21. Not fully understanding the power of compound interest

22. Locking up serious cash in gold and other precious metals

Risk Management and Insurance:

23. Not funding your life insurance properly or using insurance for superior capital accumulation

24. Not letting Uncle Sam pay for your life insurance (by redirecting otherwise payable income tax)

25. Not structuring your health insurance for optimum efficiency with the proper deductibles

26. Not structuring your auto and homeowners insurance efficiently with the proper deductibles

27. Not understanding safe, positive leverage (the ability to own and control assets with very little or none of your own money at risk or tied up in the asset)

Credit and Debt Management:

28. Not maintaining your credit score at 720 or higher

29. Paying off debt (including your mortgage and student loans) the wrong way

Estate Planning:

30. Having too much liability exposure and losing hard-earned assets to losses and frivolous suits

31. Not eliminating or reducing unnecessary estate tax through the use of trusts and life insurance

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Cash Returns, But Prudent Debt Still Good

April 6, 2010

Since the economic crisis hit, we’ve all seen America go on a credit diet.

Commercial and industrial lending has declined 19 percent since fall of 2008, according to a recent Newsweek article.

Consumer lending has likewise decreased, with banks and credit cards diminishing or cutting off lending nationwide.

For the first time in a long time, America is remembering what it’s like to deal in cash.

Newsweek reported,

“Just as families are paying down credit-card debt and building up cash reserves, businesses large and small are learning to operate in an environment where cash once again is king….

“The real discipline of cash may be that it causes executives, consumers, and investors to think twice—and to think about the long-term consequences—before spending. The need for instant gratification is part of what created the current mess.”

But even in this era of better self-control and smarter spending that cash has helped restore, it’s important to realize that there is still indeed “good debt.”

If we borrow to conserve, not consume, we are doing what banks have always done (and continue to do even now)—using Other People’s Money to make money.

We can continue to use that same principle of arbitrage to prudently save for our own retirement.

By optimizing your assets, you can borrow at one rate to earn at a slightly higher rate, and benefit not only yourself, but also your family, your community, your favorite charities, and ultimately, your heirs.

And by investing your serious money in safe retirement savings vehicles, it’s possible to maintain liquidity—which is what today’s cash-conscious are focused on.

What’s more, by properly structuring these vehicles, you get the added benefit of tax-advantaged saving.

Find out how to use maximum-funded tax-advantaged insurance contracts to protect your financial future. Borrow wisely to conserve, not consume.

And live in a world where better spending decisions can create a better life, for everyone.

Isn’t It Time You Became Wealthy?

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The Folly of “Long-Haul” Advisors

April 4, 2010

Podcast: Download (23.0MB)

Missed Fortune RadioThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, April 6th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “Asset Optimization.” You’ll learn how to maintain liquidity and guarantee safety of principal while earning a healthy, tax-free rate of return that outpaces inflation.

Register now by calling 1-888-76-Radio (888-767-2346). If operators are busy, please call again.

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

“You’re In It For The Long Haul”: A Lame Excuse For Poor Performance

Many financial professionals have been saying in various media sources that we’re in a market recovery.

This latest “I told you so” rally is intended to prove that if people would just listen to them and wait out market downturns, everything turns out all right.

They point out that if people would have just “hung in there,” they would have received a 43% return since September 2008.

But let’s analyze this to see what’s really going on. We’ll compare this traditional advice to the Missed Fortune strategies.

Suppose you had $100,000 invested in the market at the beginning of 2007. Most people received an 8 percent return in 2007, which means that you would have ended the year with $108,000.

But in 2008, most Americans lost 31 percent of their investments. Your $108,000 would have dropped $33,480 to a balance of $74,520 by the end of 2008.

Now, following the “You’re in it for the long haul” advice, you keep your money invested in the market.

Assuming the traditional advisors are right and you would have earned a 43 percent return in 2009, you would have gained about $32,000, for a final balance of $106,563.

When you average out that three-year period, it comes to about a 2 percent average rate of return.

Now consider what you would have experienced had you followed the Missed Fortune advice instead.

You start with $100,000. In 2007 you would have earned 8 percent, for the same ending balance of $108,000.

However, in 2008 you would not have lost a dime — you’d still be left with $108,000.

In 2009 you would have made a 16 percent rate of return. This would put your balance up to $125,290.

Bottom line: Following the Missed Fortune strategies instead of traditional strategies would have made you an additional $18,727 in the same three-year period.

What’s more, in these first few months of 2010 our clients have already locked in another 16 percent, so in this example the account balance would now be up to $143,324.

But it gets even better than this. Why? Because you need to factor in taxes to the equation.

Following traditional advice, either this account would have been fully taxable, or at best tax-deferred.

But with Missed Fortune strategies, your accounts grow tax free and provide tax-free withdrawal.

So what’s it going to be for you? Poor and volatile returns with traditional advice, or steady and healthy returns with Missed Fortune?

Set up an appointment with a Missed Fortune advisor now to learn how to get off the traditional roller-coaster and onto the Missed Fortune gravy train.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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