From the category archives:

Asset Optimization

What You Should Know About the Next Decade

June 19, 2011

Podcast: Download (23.0MB)

missed fortune super blog itunes 150x150 What You Should Know About the Next DecadeThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, June 21st 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 and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

The Next 10 Years Should Be Interesting

Where market uncertainty was a hallmark of the Lost Decade, the next 10 years have potential to be much more interesting.

Most Americans who lost money in their IRAs and 401(k)s over the past few years are just now starting to get back to where they were 10 years ago.

Now we’re facing a triple whammy of higher taxes, inflation and market volatility that could prove very challenging for those who fail to position their money properly.

People who’ve learned the Missed Fortune strategies and followed them, have predictably been able to double or nearly triple what they had 10 years ago. Not only did they do it during the biggest downturn since the Great Depression, they’ve done it tax free.

This is important because with the Bush tax cuts expiring in 2012 and the prospect of more tax hikes on the way, you’ll need all the tax protection you can get.

Government spending continues at a breakneck pace and Congress is looking to raise taxes to meet their funding needs. Taxes are going up. Count on it.

In addition to raising taxes, the printing of money to cover the payment of government obligations is setting the stage for increased inflation.

Social Security has a $63 trillion dollar deficit owing that it has promised to pay out to recipients in future benefits.

It’s time you knew what you don’t know about keeping your fortune from slipping through your fingers.

31 FLAVORS of How People Miss Out on Fortunes

FLAVORS is an acronym that stands for Fortunes Lost Amid Valid Optimization & Reallocation Strategies.

These are rules and strategies that even seasoned tax attorneys and accountants don’t know until they’re shown.

People miss out on fortunes because they choose short term investments for long range goals to fund their retirement.

They put their money into what are termed “crawl investments” that offer too low a rate of return compared to the rate of inflation. They miss out on money that could be made by linking their returns to those thing that inflate.

Some put money into “walking investments” where they place their money in retirement vehicles that are tax deferred rather than tax free. This means that they pay through the nose in taxes when they start to withdraw funds from their IRAs & 401(k)s.

If you understand how money works you can put the equity in your real estate to work to accumulate, over a 30 year period, a huge windfall for your retirement.

By empowering your wealth, you learn how money works, you employ a system of accountability and responsibility and you learn better ways to grow your money tax free.

Learn how to time the markets, how to do a strategic roll-out that protects your principal with a predictable rate of return that accumulates tax free. You can learn the power of compound interest and so much much more in the Missed Fortune strategies.

It won’t just benefit you, this knowledge will also bless your family when your fortune transfers to them when you’re gone.

Talk to a Missed Fortune advisor today.

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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Higher Taxes, Inflation Are Coming

February 20, 2011

Podcast: Download (0.0KB)

missed fortune super blog itunes 150x150 Higher Taxes, Inflation Are ComingThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, Feb. 22nd 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 and Wealth Optimization.” You’ll learn equity management and how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

A Conservative Growth Rate

Religious conservatives are having more children than secular liberals.

In an article titled “Survival of the Godliest,” Phillip Longman writes, “In a world in which child bearing is rarely accidental and almost never rewarding economically, birth rates increasing reflect values choices.”

So, those who end up following that ancient injunction to “go forth and multiply” wind up putting more of their genes and ideas into the future than those who don’t.

I believe the election of Barack Obama in 2008 will be turn out to be a slight diversion — quickly corrected because of the deceptive call for change — in a long term movement toward conservatism in the United States.

Regardless, we’ve already painted ourselves into a corner and it’s going to be tough getting out of it.

The National Debt has grown $4 trillion in the last two years and couple of months. The Congressional Budget Office estimates that the National Debt could rise to $27 trillion by the end of the decade.

That doesn’t include the $62 trillion of unfunded liabilities representing Social Security, FICA and Medicare. We don’t have a dollar of that in our coffers.

Even if we do see some more conservatives in Congress, they’ll have a monumental debt to try to overcome.

The writing’s on the wall. Taxes will have to go up and inflation is just around the corner.

You need to protect yourself and your retirement funds. I can teach you how.

Solve Your IRA and 401(k) Dilemma

It’s very important that you know the difference between tax-deferred and tax-free.

Now’s the time to convert your IRAs and 401(k)s to better, safer strategies and meet your tax obligations now while taxes and account balances are lower.

These strategies grow tax-free, withdraw tax-free and eventually transfer tax-free.

The 5 percent of Americans that are true financial thrivers didn’t get that way by following the same old traditional advice and socking away money in IRAs and 401(k)s.

If inflation hits, you want your money linked to the things that are inflating. In the 1970s, when we had double-digit inflation, I was earning a rate of return of 5.5 percent greater than inflation using conservative, tax-free investments.

I can teach you how to avoid what I call the Baby Boomer Blunders. I can teach you the 31 FLAVORS — Fortunes Lost Amid Valid Optimization and Reallocation Strategies.

I can teach you the difference between Mr. Taxed to the Max and Mrs. I’ve a Lot More.

Now is the time to start securing a prosperous financial retirement.

Meet with a Missed Fortune advisor to get started planning your future.

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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Don’t Follow the Crowd

February 13, 2011

Podcast: Download (23.0MB)

missed fortune super blog itunes 150x150 Dont Follow the CrowdThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, Feb. 15th 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 and Wealth Optimization.” You’ll learn equity management and how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

Ignore Conventional Wisdom

Poll results released last September showed that, for the fourth straight year, the majority of those surveyed have little or no trust in the mass media to report the news truthfully, accurately and fairly.

In 1968, Walter Cronkite proclaimed that the Vietnam War was unwinnable and it destroyed Lyndon Johnson’s presidency.

It’s hard to imagine anything that CBS anchor Katie Couric might say that would make any difference to anything these days.

Many American voters feel so estranged from the views of the mainstream media that they deliberately vote against whomever the media producers, editors, reporters and announcers are supporting.

If you continue to follow the crowd, you won’t end up getting what you need.

When it comes to your retirement, if you take the same old advice, I predict you won’t have enough for a secure retirement. You’ll end up paying more in unnecessary income tax.

If what you thought you knew turned out not to be true, when would you want to know? Sooner rather than later, right?

I can show you how you can have so much more by solving your IRA and 401(k) dilemma.

Avoid the Blunders

Many Americans have been following the herd and socking away money in IRAs and 401(k)s for a retirement nest egg. The recent downturn has all but thrown out the egg and the nest.

Eighty-nine percent of Americans put money into qualified plans. The remaining 11 percent use Roths, a step in the right direction but with too many strings attached.

If you’re like many Americans, you may have seen a loss of 30, 40 or even 50 percent in the value of your IRA or 401(k) in 2008. You might not be back to break even yet.

I predict that the worst is yet to come. The government has a permanent tax lien on your IRAs and 401(k)s. The worst drop will be the day you start withdrawing; the government takes a third out of the average American’s pie.

Now is the time to convert your qualified plans into safer, better alternatives that grow tax-free, distribute tax-free and later transfer tax-free.

You need to learn to avoid the blunders that are keeping you from a prosperous retirement. These are blunders such as thinking you’ll be in a lower tax bracket when you retire.

Or thinking that IRAs and 401(k)s are the best ways to save for retirement. Or that postponing tax on qualified plans is saving you tax.

I can teach you the difference between Mr. Taxed to the Max and Mrs. I’va Lot More. Two things are certain: sooner or later, taxes will be going up and dollars will be worth less.

Meet with a Missed Fortune advisor to get started planning your future.

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 the Tax & Inflation Power Curve

January 30, 2011

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 Avoid the Tax & Inflation Power CurveThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, Feb. 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 and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

Protect Your Money Now While Tax Rates Are Low

Thank goodness we have a two-year window in which taxes will not be going up. Mark my words – they will probably go up after that.

Why? In four years, our National Debt has increased from $9 trillion to $14 trillion.

That’s an additional $5 trillion in debt that we will need to deal with sooner or later. The new healthcare legislation is on its way as well.

The Congressional Budget Office said that by mid-century, the average middle-income American will be paying 50 to 60 percent of his income in taxes. We can’t afford it.

Even if they don’t raise taxes in the near future, the government hasn’t increased the tax threshold.

It used to be that the threshold automatically increased based on the cost of living. Now, the government will take a quarter of every dollar over $68,000 for married couples filing jointly and over $34,000 for single people.

On top of that, 41 out of 50 states tack on a 6 to 8 percent state income tax.

So when folks retire and start withdrawing money out of IRAs and 401(k)s, they see a third of their money going to income tax.

They’d have to withdraw $150,000 a year to net $100,000. At that rate, your nest egg will dry up pretty quickly if you’re unprepared.

You have a two-year window to start getting your money out of IRAs and 401(k)s. You need to employ a strategic rollout and put your money into safe, conservative vehicles. These vehicles accumulate tax-free, withdraw tax-free and transfer tax-free.

The Tax and Inflation Power Curve

You must protect your retirement funds from what I call the Tax and Inflation Power Curve.

Higher taxes will reduce your savings and inflation will make your dollar worth less over time. I believe we’re headed for both.

Indexing protects me from inflation by tying my money to the things that are inflating.

With indexing, it doesn’t matter if the economy was what it was 10 years ago. If it went up and down in the meantime, I can show you how to make 8 or 9 percent – essentially doubling your money every 10 years.

You need to create your own economic stimulus and save yourself, because Big Government can’t. You need to know that IRAs and 401(k)s are not the best ways to get out of debt. You need to know that sending more payments to the mortgage company is not the best way to get out of debt.

Now is the time to convert your traditional plans to better vehicles.

Meet with a Missed Fortune advisor to get started planning your future.

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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Pay Taxes Now to Have More Money Later

January 23, 2011

black Pay Taxes Now to Have More Money Laterplay video Pay Taxes Now to Have More Money Later

Podcast: Download (0.0KB)

missed fortune super blog itunes 150x150 Pay Taxes Now to Have More Money LaterThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, Jan. 25th 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 and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

The Bill Is Coming Due Soon

There’s been a lot of debate lately about the repeal of Obamacare.

While there are many reasons to oppose this flawed government health insurance law, it is important to remember that Obamacare is one of the largest tax increases in American history.

I’m not so sure we’ll see repeal. I think there will be changes, but one way or another, it’s going to be extremely expensive.

The writing’s on the wall. In the last five years, our National Debt has jumped from $9 trillion to $14 trillion.

The government extended the Bush tax cuts for another two years. When the cuts expire, it will be by far the biggest tax increase this country has ever seen.

Two things are certain. Taxes will be going up and dollars will be worth less.

You need to insulate yourself and your retirement funds from future taxes and inflation.

I can show you how.

Get Your Money Out of IRAs and 401(k)s

If you wanted to borrow a million dollars from me, you’d have two questions: When is the loan due, and how much interest will you charge me?

Would you still want to borrow the money if I said, “I’ll let you know when I want the money back, but be ready to pay at any time?”

Would you still want to borrow the money if I said, “I’ll let you know the interest when I ask for the money?”

Of course not. But that’s what most Americans do when they have IRAs and 401(k)s. The government is using you as their savings bond.

IRAs and 401(k)s are a good way to save for retirement, but they’re a far cry from the best way.

What about Roth IRAs? Roths are a better way to save, but a far cry from the best way.

The best investments will give you peace of mind during these troubling times and allow you never to outlive your money.

If there’s inflation, your money is tied to the things that are inflating.

Now is the time to start converting your IRAs and 401(k)s to safer, more predictable plans. Stop postponing taxes and get them over with at today’s lower rates.

Put your money into vehicles that grow tax-free, transfer tax-free and distribute tax-free.

Meet with a Missed Fortune advisor to get started planning your future.

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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IRAs and 401(k)s Aren’t the Best Ways to Save

January 16, 2011

Podcast: Download (23.0MB)

missed fortune super blog itunes 150x150 IRAs and 401(k)s Arent the Best Ways to SaveThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, Jan. 18th 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 and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

Traditional Investments Won’t Keep You Safe

If what you always thought to be true about IRAs and 401(k)s turned out not to be true, when would you want to know?

Most Americans lost more than 30 percent in the value of their retirement accounts in 2008. Most are barely back to breaking even.

We just experienced a lost decade. The S&P 500, the Dow Jones and the market itself is where it was 10 years ago. Where did that time go?

Right now, because of the recession, banks are paying 1 percent interest. You can do better than that.

Folks who have been following the Missed Fortune strategies have 50 percent more in their retirement accounts than what they had four years ago.

People who followed the strategies have double – in some cases, triple – what they had 10 years ago.

We have two more years to get money out of IRAs and 401(k)s and pay taxes at the current levels before tax rates go up – and they will.

Now is the time to convert your IRAs and 401(k)s into vehicles that grow tax-free. These vehicles are linked to inflation so inflation helps, not hurts.

Two things are certain: taxes are going up and the dollar will be worth less. I can teach you to insulate yourself from future taxes and inflation.

You could accumulate an extra million tax-free using safe, proven strategies. Your money won’t be exposed to loss due to economic downturns.

Wouldn’t you like to be earning more?

Whose Retirement Are You Planning?

If you were a farmer, when would you rather pay tax?

Would you like to buy the seeds tax-free but then pay tax on the harvest sale? Or would you like to pay taxes on the seeds but then keep whatever you earned off of the harvest?

Roughly 89 percent of Americans are paying tax on the harvest with their IRAs and 401(k)s. The other 11 percent are paying tax on the seeds.

IRAs and 401(k)s are a good way to save for retirement, but they’re a far cry from the best way. I ask people, are you paying for Uncle Sam’s retirement or your own?

Indexing is principle-protected. I don’t lose money when the market goes down and when the market goes up, I’m credited whatever the index of my choice earns up to a cap.

You keep anything you make in a given year, and it becomes principle.

You need to take charge of your finances and your retirement.

The Congressional Budget Office said that by mid-century, middle-income Americans will be paying 50 to 60 percent of their income in taxes.

Don’t be among the 95 percent of Americans that will still be struggling when they reach age 65.

I can teach you how to go from a broke Baby Boomer to a blazing bloomer.

Meet with a Missed Fortune advisor to get started planning your future.

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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Start Converting Your Money Into Better Plans

January 9, 2011

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 Start Converting Your Money Into Better PlansThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, Jan. 11th 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 and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

Capitalize On The Two-Year Window

We’re just beginning a two-year window in which tax rates will stay at current levels.

I want to empower you to take action during this time, because taxes will probably go up after this.

What makes me say that? The National Debt.

In the last two years, the National Debt has gone up $3.5 trillion. In the last four years, it jumped from $9 trillion to $14 trillion.

We don’t have a revenue problem in this country – we have a spending problem.

Last year, the Congressional Budget Office predicted that even if we slow down our spending, the average middle-income American will be paying 50 to 60 percent of their income in taxes by mid-century.

The cause? Health care legislation, barring repeal or some major changes.

Sooner or later taxes are going up. Even if they don’t immediately, you’re still paying more because the government didn’t increase the threshold based on cost of living.

Every dollar over $68,000 (for married couples filing jointly) or $34,000 (for singles) is taxed at 25 percent, not including 6 to 8 percent state income tax.

Basically every dollar over those thresholds will be taxed at 33 percent.

Americans who’ve put away money in IRAs and 401(k)s will see a third of their cash go to income tax.

I can teach you how to avoid what I call the tax and inflation power curve.

You have two years to start getting your money out of IRAs and 401(k)s and rolling them into safer, conservative plans.

Harness the Power of Indexing

I put my serious cash into vehicles that grow tax-free, stay tax-free and – when I die – transfer tax-free.

I think inflation is coming. Indexing allows me to have inflation help me instead of hurt me.

With indexing, you tie your money to the things that inflate. If the market goes up, you make money. If the market goes down, you don’t make anything, but you don’t lose anything either.

Many Americans saw their IRAs and 401(k)s lose 30 to 50 percent in 2008. A few years later, they’re not back to breaking even.

Folks who followed the Missed Fortune strategies have averaged 10 percent gains during the last four years.

IRAs and 401(k)s are not the best ways to save for retirement. Ask yourself if now’s the right time to roll over your money into better investments.

Meet with a Missed Fortune advisor to get started planning your future.

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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Don’t Let Taxes & Inflation Threaten Your Retirement

January 2, 2011

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 Dont Let Taxes & Inflation Threaten Your RetirementThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, Jan. 4th 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 and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

Protect Yourself From Taxes and Inflation

The economy is like a sinking ship and Congress is rearranging the deck chairs.

Our National Debt has jumped to $14 trillion. It doesn’t matter if we postpone higher tax rates for a couple of years. Sooner or later, taxes will be going up and dollars will be worth less.

Taxes and inflation can significantly lower your purchasing power. You need to protect yourself.

You need an investment strategy that is tax-free, not tax-deferred.

A dollar doubling every period for 20 periods grows to over $1 million tax-free; it only reaches around $27,000 if it’s tax-deferred.

Most people don’t realize this. They sock away money in traditional accounts that can be taxed on the back end.

People withdraw money thinking they’ll be in a lower tax bracket when they retire, but they’re in a bracket as high or higher than they were because they lost their deductions.

You need to set aside your money in vehicles that are safe, liquid and produce a rate of return greater than inflation. You can conservatively earn 8 to 10 percent in a tax-free environment.

I’m not talking about IRAs, 401(k)s or 457s. I’m talking about tax codes 72e and 7702.

If you average 7.2 percent growth a year, your money will double in 10 years. For every million dollars you accumulate, you can take out $72,000 a year without touching your principle.

Your future could be a whole lot more secure.

Start Saving Smarter

Folks who follow the Missed Fortune strategies have taken advantage of indexing. If inflation occurs, their money is linked to the things that are inflating.

They didn’t lose a penny in 2008, when most Americans lost 30 to 40 percent in the value of their retirement accounts.

I can teach you that IRAs and 401(k)s are not the best ways to safe for retirement. I can teach you that sending extra payments to the mortgage company is not the best way to get out of debt.

In my book Baby Boomer Blunders, I explain how to avoid the financial mistakes that 95 percent of Americans make.

Now is the time to start converting those retirement plans into safer, smarter investments.

Meet with a Missed Fortune advisor to get started planning your future.

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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There Are Better Ways to Save For Retirement

December 19, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 There Are Better Ways to Save For RetirementThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, December 21st 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 and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

The Bill is Coming Due

Are you funding Uncle Sam’s retirement, or your own?

The National Debt has jumped from $9 trillion to $14 trillion in five years. If we keep going at that rate, it’ll only take six to eight years to double a century’s worth of debt.

We have a spending problem in this country, and our government thinks that adding $3.6 trillion to our debt will level the ship again.

Sooner or later, taxes will go up. What’s your plan for the future?

Don’t count on Social Security. It’s $62 trillion in debt to those of us who’ve faithfully paid in and had FICA and Medicare withdrawn from our paychecks.

IRAs, 401(k)s, 457s, tax-sheltered annuities and other qualified plans aren’t the best ways to save for retirement.

Don’t forget to account for inflation. People are living longer and may encounter what I call “the tax and inflation power curve.”

If inflation averages 5 percent, it doubles every 15 years. You’re going to need a lot more money than you think if you don’t want to outlive your savings.

There is a better way. I can teach it to you.

Going from Striver to Thriver

My e-books can help you plan for a safe and abundant future.

In my e-book Baby Boomer Blunders, I teach how to correct the mistakes that may be holding you back.

In Create Your Own Economic Stimulus: Save Yourself Because Big Government Can’t, I teach the 31 FLAVORS, or Fortunes Lost Amid Valid Optimization and Reallocation Strategies, of Missed Fortune.

You need to stop postponing taxes and thinking you’ll be in a lower tax bracket when you retire.

Folks who followed the Missed Fortune strategies didn’t lose a dime in 2008, when most Americans lost 30 to 40 percent in the values of their IRAs and 401(k)s.

Even though my own home lost $400,000 in value, I didn’t lose a penny in equity.

Ask yourself if now is the time to convert those IRAs and 401(k)s into something better.

Meet with a Missed Fortune advisor to get started planning your future.

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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How to Achieve Financial Independence

December 12, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 How to Achieve Financial IndependenceThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, December 14th 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 and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

Will You Outlive Your Money?

The Today Show recently reported that more than half of all Baby Boomers will likely outlive their money. They’ll have to rely on Social Security, charity, welfare or their children for support.

The Bureau of Labor Statistics said something similar back in the 1970s. It stated that by the time 100 American males reached age 65:

  • 54 percent would still be dependent;
  • 36 percent would be dead (although that’s improved since then);
  • 5 percent would still be working to provide necessities;
  • 4 percent would have an income that could sustain them
  • and 1 percent would be rich.

Only the top 5 percent are able to not outlive their money. What do they do differently?

I’ve noticed that 95 percent of Americans follow traditional advice.

They think IRAs and 401(k)s are the best ways to save for retirement. They think they’ll be in a lower tax bracket when they retire. They think the best way to get out of debt is to send extra payments to the mortgage company.

I can teach you that this is not the best way.

The top 5 percent of Americans experience financial freedom. Their money generates safe, reliable income that grows tax free and it lasts as long as they do.

You can have that too. I can teach you how.

Avoiding Blunders

In my book, Baby Boomer Blunders, I outline the ways you can move from the 95 percent to the top 5 percent. These strategies are:

  1. Using short-term vehicles for long-term investments;
  2. Thinking you’re only going to live 15 to 20 years after retirement;
  3. Thinking that paying off your house will give you peace of mind;
  4. Thinking that a $100,000-$300,000 nest egg will be enough for retirement;
  5. Believing you’ll be in a lower tax bracket when you retire;
  6. Believing that deferring taxes on retirement funds saves you taxes;
  7. Thinking IRAs and 401(k)s are the best ways to save for retirement;
  8. Leaving your money in IRAs and 401ks if you don’t need it at 59.5 or 70.5;
  9. Thinking retirement is the time to do what you always wanted to do;
  10. Thinking retirement is a time to coast.

In my book Create Your Own Economic Stimulus Plan: Save Yourself Because Big Government Can’t, I describe the 31 FLAVORS (Fortunes Lost Amid Valid Optimization and Reallocation Strategies) of Missed Fortune.

Even following one or two of these strategies could put an extra million dollars in your retirement account.

Ask yourself if now is the time to convert your IRAs and 401(k)s to better alternatives.

Meet with a Missed Fortune advisor to get started planning your future.

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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