From the category archives:

Asset Optimization

Create Your Own Economic Stimulus Plan

January 24, 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, January 26th 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 “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 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.

Uncertainty Prevails in the Marketplace

News headlines are rife with troubling economic news. For example, Fortune magazine recently reported that:

“GMAC, the troubled finance company that last week scored a third government bailout, said Tuesday it expects to post a record fourth-quarter loss of $5 billion.”

Early this year Associated Press reported that:

“U.S. consumers and businesses are filing for bankruptcy at a pace that made 2009 the seventh-worst year on record, with more than 1.4 million petitions submitted…The AP gathered data from the nation’s 90 bankruptcy districts and found 1.43 million filings, an increase of 32 percent from 2008. There were 116,000 recorded bankruptcies in December, up 22 percent from the same month a year before.”

Protect Yourself from Uncertainty

The Missed Fortune total asset optimization strategies help you create your own economic stimulus plan and make your future more certain.

This is done by harnessing the power of three miracles:

  1. Compound Interest
  2. Tax-Free Compounding
  3. Safe, Positive Leverage

In addition to other strategies, we use maximum-funded, tax-advantaged life insurance contracts to create all three of these miracles in your life. Furthermore, they offer liquidity and guaranteed safety of principal.

They also provide an indexing strategy, which means that you get all the upside benefits of the stock market, but none of the downside risk.

Isn’t it time for you to get started with your own economic stimulus plan?

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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Saving Money Shouldn’t Cost You

January 5, 2010

A recent New York Times article, “At Tiny Rates, Saving Money Costs Investors,” spelled out the downside of traditional savings vehicles.

The article states:

“Millions of Americans are paying a high price for a safe place to put their money: extremely low interest rates on savings accounts and certificates of deposit…. Many have seen returns on savings, CDs and government bonds drop to niggling amounts recently, often costing them money once inflation, fees and taxes are considered.”

This underscores what the True Wealth Strategies have been teaching for quite some time. Taxed-as-earned savings vehicles will hinder your path to wealth much more than those that are tax-advantaged or tax-free.

To illustrate, one dollar doubling every period for twenty periods will grow to over $1 million if it does so tax-free.

If it’s taxed-as-earned, then one dollar doubles to $2, but you will only have $1.75 after paying 25 percent in tax.

The $1.75 doubles to $3.50 in the next period, but if you pay tax on the increase every period — at the end of the same twenty periods — instead of having $1 million, you would only have about $72,000 in a 25 percent tax bracket. In a 33 percent tax bracket, you would only have $27,000!

And yet that is how most Americans save—by using after-tax dollars and putting them in investments that are taxed-as-earned.

This is why it’s so important to learn more about maximum-funded, tax-advantaged insurance contracts. They are the only retirement savings vehicles where your money:

  1. Accumulates tax-free
  2. Can be withdrawn tax-free (even before age 59 ½ – without penalty)
  3. Transfers to your heirs tax-free when you pass away

Find out more and begin now to empower your financial future.

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Would You Rather Have $1 Million, Or $72,000?

October 27, 2009

Recently, we discussed the concept that “time is money.”

We pointed out every 90 days that go by without implementing asset optimization strategies that leverage maximum-funded, tax-advantaged insurance contracts can result in a loss of $100,000 or more in future retirement resources (when tax savings are calculated into the equation).

Compound InterestWell, there’s even more to the issue of the time-value of money.

Consider this: A dollar doubling every period for 20 periods tax-free would amount to over $1 million by the end.

However, if it were taxed as earned (in a 25% marginal tax bracket, which most Americans are in) as it doubled over the same 20 periods, it would only be worth $72,000.

Why is that?

When it’s taxed as earned, you have to pay tax on the gain every period.

So at the beginning, your money doubles from $1 to $2. You pay tax on that gain. Then what’s left doubles again, and you pay taxes on that gain — and so on for 20 periods.

By the end, if you’re in a 25% marginal tax bracket (as most Americans are on their last dollars earned), instead of $1,048,000, you would have $72,000.

Now that’s if you’re in a 25% marginal tax bracket. If you live in 41 of the 50 U.S. states that have a state income tax, you’re more likely to be in a 32 to 33% tax bracket.

And if the government eventually increases taxes to cover the skyrocketing federal debt, some experts estimate you could end up in a 50 to 60 percent tax bracket.

It would be far better to accumulate your retirement savings on a tax-free basis. Even if you’ve already started saving in 401(k)s, IRAs or other qualified plans, you can start now to transition your money through strategic roll-outs and be on your way to accumulating your wealth tax-free.

It is indeed possible to optimize your assets in savings accumulation vehicles where your money: 1) accumulates tax-free; 2) can be withdrawn tax-free (even before age 59 ½ – without penalty); and 3) transfers to your heirs tax-free when you pass away.

Find out more and begin now to empower yourself, and your financial future.

Isn’t it time you became wealthy?

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Get Off the Government’s Sinking Ship & Board Your Own Lifeboat

October 4, 2009

Podcast: Download (23.0MB)

Missed Fortune RadioDid you miss this week’s show? Doug Andrew discussed the following:

Attend our one hour event live over the Internet this coming Tuesday, October 6th. We’re holding it at two times, the first at 11 a.m. Pacific/1 2 Noon Mountain/1 p.m. Central, and the second at 6:30 p.m. Pacific/7:30 Mountain/8:30 Central. Don’t miss your chance to understand how to protect your money during this economic crisis and get competitive rates of return during the good years. This strategy is called indexing and you need to know all about it. To register call 888-76-Radio (888-767-2346).

Just for registering you’ll receive a free e-book and audio book on the IRA/401(k) dilemma. Admission is free for Missed Fortune Radio subscribers and listeners. All attendees will receive a free copy of Last Chance Millionaire, Doug’s New York Times best-selling book.

It’s time to save yourself because big government can’t. Politicians are experts at finding bad news, but they’re out of touch with reality. Innovations and technological breakthroughs are happening all around us every day. The innovation, resilience, and responsibility of the American people is what will save us from our current troubles, not more government spending and stimulus packages.

It’s time to jump off the government’s sinking ship and board your own lifeboat instead. But how? By being wiser about your financial strategies.

There are three ways to save money:

  1. Taxable savings accounts (mutual funds, cds, money markets, etc.).
  2. Tax-deferred accounts (IRAs, 401(k)s, etc.).
  3. Tax-free accounts (properly structured and funded life insurance contracts). These offer full access, no penalties upon withdrawal, they grow tax-free, they can be accessed tax-free, and they transfer tax-free income to your heirs upon death.

It’s critical to understand the time value of money to realize how important taxes are to the equation. A dollar doubling every period for 20 periods grows to $1 million if it grows tax free. However, if you’re in a 25% marginal tax bracket it will only grow to $72,000 if it’s taxed during growth. Shelter your accounts from taxes to harness the time value of money.

The cost of waiting can be devastating. Every 90 days you go without implementing our specialized asset optimization strategies can result in a loss of $100,000 or more of retirement resources when taxes are calculated into the equation.

FREE Missed Fortune E-book: Baby Boomer Blunders. THE PROBLEM? 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 at www.babyboomerblunders.com.

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How to Deal With Political & Economic Dangers

September 27, 2009

Podcast: Download (23.0MB)

Missed Fortune RadioDid you miss this week’s show? Doug Andrew discussed the following:

Attend our one hour event live over the Internet this coming Tuesday, September 29th. We’re holding it at two times, the first at 11 a.m. Pacific/1 2 Noon Mountain/1 p.m. Central, and the second at 6:30 p.m. Pacific/7:30 Mountain/8:30 Central. Don’t miss your chance to understand how to protect your money during this economic crisis and get competitive rates of return during the good years. This strategy is called indexing and you need to know all about it. To register call 888-76-Radio (888-767-2346).

Just for registering you’ll receive a free e-book and audio book on the IRA/401(k) dilemma. Admission is free for Missed Fortune Radio subscribers and listeners.

Congress is getting increasingly aggressive about regulatory meddling. This is creating a lot of political and economic uncertainty.

Health care is being politicized, which means misrepresentations, myths, and fear. For example, of the reported 46 million uninsured Americans, more than 9 million are not legal citizens and more than 17 million can afford health insurance but choose not to. No insurance doesn’t mean no care.

You can be certain of this: Taxes will be going up and the dollar will continue losing its value due to increased spending, shrinking tax revenues, changing demographics, and economic turmoil.

So what can you do about it?

  1. Convert your qualified plans using a strategic roll-out. Pay taxes now to avoid even bigger taxes later.
  2. Reposition those funds into plans that grow tax-free and can be distributed tax-free.
  3. Offset the tax liability incurred with new tax deductions created using specialized asset optimization strategies.

FREE Missed Fortune E-book: Baby Boomer Blunders. THE PROBLEM? 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 at www.babyboomerblunders.com

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Are You Frustrated with Bad Financial Advice?

August 16, 2009

Podcast: Download (23.0MB)

Missed Fortune RadioDid you miss this week’s show? Doug Andrew discussed the following:

The government is spending.

If you’ve been reading the Wall Street Journal or USA Today in the last week or so you may have seen articles about the soaring federal deficit.  This administration will have quadrupled last years federal deficit by the end of 2009.

We’re probably going to hit about 1.8 trillion dollars on top of the current debt, which is 11.7 trillion.

In other words, that is $38,500 for every US citizen, whether they are old enough to pay taxes or not.  And the next years is anticipated to be about 1.3 trillion (This information is from the White House).

Recently we’ve had about 2,000 people call us after listening to Missed Fortune Radio.

Many of them have been frustrated with the financial advice they have been getting over the years.  Many of them have lost 30,40, or 50 percent of their savings, but instead of new solutions their advisors are telling them to stay the course.

Sometimes it seems financial advisors give advice that benefits them and their families more than you and your family.

Make sure and listen to the song we played on Missed Fortune Radio (It is funny and you’ll be glad you did)

Attend our one hour event live over the internet this coming Tuesday, August 18th at 11:00 am and again at 7:00 pm Pacific: Don’t miss your chance to understand how to protect your money during this economic crisis and get competitive rates of returns during the good years. This strategy is called indexing and you need to know all about it. Call 888-76-Radio (888-767-2346) to register.

Why I don’t own an IRA or 401(k) and never will.

If you are like many Americans, you may have seen a loss of 30%, 40%, and 50% in the value of your 401(k). I predict the worst hit is yet to come and it isn’t what you think.

Recovering from losses can be tough. Did you know if you lost 50%, you need to get a 100% return to get your money back?

That isn’t everything that we need to worry about either. The biggest loss you may ever incur is the day you start to pull out your money from these accounts. You’ll be in a higher tax bracket and future taxes will be higher than they are now.

I’ve always put my serious cash such as college savings, retirement, and home equity into investments that will accumulate money tax free. And then when I access that money it is tax free, including the gain.

When I die it also blossoms and transfers income tax free. I make sure this money is liquid, safe, and earns a competitive rate of return. I choose to put my cash into Maximum Funded Tax Advantaged (MFTA) Life Insurance.

FREE Missed Fortune E-book: Baby Boomer Blunders. THE PROBLEM? 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 at www.babyboomerblunders.com

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Avoid a $100,000 Loss, Start Optimizing Assets Now!

August 12, 2009

FACT: Every 90 days that go by without implementing the Missed Fortune Asset Optimization Strategies can result in a loss of $100,000 or more in future retirement resources for the average client when tax savings are calculated into the equation.

Why is that?

If you’re feeling a bit skeptical, that’s understandable. The average client who comes to implement the Missed Fortune Asset Optimization, Equity Management, and Wealth Empowerment strategies is skeptical at first, too.

New clients wonder how we can dramatically increase their retirement resources by repositioning assets (often those that have not been optimized) without increasing their outlay one dime.

The fact is, we do it all the time. That’s our unique specialty.

After people see the difference between the “darkness of the night” of their current retirement strategies, versus the “brightness of the day” of the Missed Fortune strategies, they are convinced to get in motion and get it done now.

Since it takes about 90 days on average to complete the True Wealth Transformation unique process, every month-every quarter-that slips by can result in a tremendous loss to precious future retirement resources, due to the time-value of money.

To illustrate, a typical client has some money accumulated in IRAs or 401(k)s that is not being optimized, and most will lose one-third of that value (due to taxes) when they retire and begin to withdraw money.

Many clients also have other non-performing assets such as CDs, money market accounts, and mutual funds that either have low yields, or may be volatile and unpredictable in growth. These accounts are often taxed-as-earned or tax-deferred, rather than being totally tax-free investments.

The average client also has a home worth about $250,000 - $300,000 with at least some equity in that home. Most people are anxious to get their house paid off and be “out of debt,” so they send extra principal payments on their mortgage, or they obtain a 15-year mortgage.

We show them a smarter, quicker way to get out of debt with successful equity management.

As you can see, most people are crawling, walking, or at best, jogging toward the finish line of financial independence, when they could be sprinting with Missed Fortune strategies.

With most clients, we reposition assets (between lump sums and monthly reallocation) during the first five years of their plan, which comes to a total of about $300,000 on average (some clients are substantially more, and some are less).

Over a 30-year period of a client’s life-for example, from age 35 to 65, age 45 to age 75, or age 55 to age 85-$300,000 has the potential of growing tax-free to a nest egg of about $4.4 million.

However, if clients delay starting their plan and that same money is put to work for only 357 months rather than 360 months, the account value at the same point in time down the road would be only about $4.3 million-a difference of $100,000!  No big deal you say?

Well, an extra $100,000 can generate $666 a month of tax-free income for the rest of your life-or into perpetuity. And that doesn’t take into account the savings of unnecessary income tax you could realize by employing the Missed Fortune strategies sooner than later.

The greatest question is why wait? If you had a serious disease and could be cured if you saw a specialist sooner than later, would you rearrange your schedule and take off work to get treated?

Many people have a financial illness that we cancure and it’s far better to tend to it sooner than later.

If someone offered you an extra $100,000 if you would take a day off your regular job to work on something else, would you jump at the chance? Missed Fortune is giving you that chance.

Make getting started on your Missed Fortune True Wealth Asset Optimization plan an A-1 priority! It can pay you back with huge dividends in the future!

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Companies are Born, Rise, Fall, and Die

July 26, 2009

Podcast: Download (23.0MB)

Missed Fortune RadioDid you miss this week’s show? Doug Andrew discussed the following:

We want to welcome KSL1160 and 102.7 in Salt Lake City, Utah and KNEW Talk 910 in San Francisco, CA to Missed Fortune Radio

Companies are born, rise, fall, and die.

Everything that the pundits on the left are pushing for is opposed to the dynamic way that America has worked for more than 23 decades.    Without failure the culture of risk fades.  Without risk creativity withers.  The more government meddles in our affairs,the more everything will get fouled up.

What are the seven qualities that Americans have enjoyed that my friend Dan Sullivan calls The American Center? 1) Individualism 2) Ingenuity 3) Being Exceptional 4)  Growth 5) Transformation 6) Winning 7) Transcendence

Why do Financial Advisors not want you to move your money? Did you know that most financial professionals only get compensated when your money is being managed by them.    When you transfer money to safer places, they lose their compensation.  That’s why they tell you to stay the course.

You need to get your money repositioned. One way to make this happen is through a strategic roll out. It could take you 10 years at 7% to make back and recoup what you lost in the market.  If that really does happen, would you rather have that come back in a taxable or a tax free environment.  To do this in a tax free environment, strategically roll that money out and put it into something that is tax free from today forward.

You do this in three steps 1) Transfer out the money and pay the taxes 2) Reposition the money in vehicles that are tax-free going forward and 3) Offset some or all of the income taxes incurred through new deductions or strategies.

Attend our one hour event live over the internet this coming Tuesday, July 21st at 11 am or 6 pm: Don’t miss your chance to understand how to protect your money during this economic crisis and get competitive rates of returns during the good years. This strategy is called indexing and you need to know all about it. Call 888-76-Radio (888-767-2346) to register for either 11am or 6pm. You can register here to attend live over the internet.

Three choices for your money: 1) Fixed Rate Instruments - Your money is put into relatively conservative financial instruments that generally have lower rates of return. 2) Variable Products - These are products that allow you to have great returns of 20-30% during the good years but during economic hard times you can also lose 30% or more. 3) Indexed Products (the middle ground) - This type of financial product gives you returns that are greater than the rate of inflation during good years but keeps your money safe so you don’t lose a dime when the market goes down.

FREE Missed Fortune E-book: Baby Boomer Blunders. THE PROBLEM? 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 at www.babyboomerblunders.com

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What is True Wealth?

June 21, 2009

Podcast: Download (23.0MB)

Missed Fortune RadioWhat is True Wealth?

Did you miss this week’s show? Doug Andrew discussed the following:

Do you enjoy the top ten list on David Letterman? You have to hear this list on the top twelve indicators that the economy is bad. Here’s a taste:

#12. CEOs are now playing miniature golf.
#11. People are getting pre-declined credit cards in the mail now.
#10. If you buy a toaster oven, they now offer a bank with your purchase.
#9. Hot Wheel and Matchbox cars now have a higher value on the stock market than GM.

Listen to the podcast or download it to get the rest of the list.

What is True Wealth? What is Asset Optimization? There are four different kinds of assets in life and three of them don’t deal with money. These four assets together are called the family balance sheet or the family empowered bank.

Attend our one hour event live over the internet on Tuesday at 11:00 am or 6:00 pm Pacific: Don’t miss your chance to understand how to protect your money during this economic crisis but get competitive rate of returns during the good years. This strategy is called indexing and you need to know all about it. Call 888-76-Radio (888-767-2346) to register for either event on Tuesday.

New FREE Missed Fortune E-book: Baby Boomer Blunders. THE PROBLEM? 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 at www.babyboomerblunders.com

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Are Infinite Rates of Return Possible?

February 1, 2009

Podcast: Download (23.0MB)

Why are people feeling confused, isolated, and powerless? Focus on how we can help others. Capitalize on our wisdom. Selling a home in a soft market. Infinite rates of return - Is it possible? The miracle of compound of interest. From one dollar to a million. Safe, positive leverage.

Free Customized Asset Optimization Report: Get a snapshot of how the Missed Fortune strategies can benefit your financial future. In order to get your free report call Missed Fortune Radio at 800-925-0217 and answer five basic financial questions. We’ll then contact to get you this Free report and include Doug’s new “Baby Boomer Blunders” e-book.

DOUG LIVE. Doug will be speaking on March 2nd from 6:30 to 9:30 in San Diego, CA. To register for this free event call us at 800-925-0217 or register on-line at www.missedfortune.com/events

Doug will also be speaking on Saturday, March 21st in Woodland Hills, CA. To register for this free event call us at 800-925-0217 or quickly register online by clicking here. This event is free due to generous sponsorship by Ogan Financial Group.

Missed Fortune 101 MP3 Book Download. Download the Missed Fortune 101 unabridged audio MP3 for only .99 Cents! www.missedfortune101.com

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