Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, June 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 will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

The Right Information Makes All The Difference

3 finance professors at a major university were asked about the topic of a 15 year amortized mortgage. Each professor admitted to regularly counseling students to purchase their first home using a 15-year mortgage instead of a 30-year mortgage.

Many financial advisors recommend this, but they’re assuming that the only way that people will pay off their homes is if the mortgage company is threatening to take it away.

These professors honestly believed paying the higher principal and interest payment would help a person pay off their home in 15 years. Then, it was assumed, they could sock away what they were no longer paying in additional interest.

What these professors didn’t realize was that by looking at the differential between the 30-year amortized payment, which is less, and the 15-year payment, which is higher, a person could do much better. When the differential is pooled with the tax savings achieved during those first 15 years of a 30-year mortgage, that money could be saved in a conservative side fund and earn a predictable 8 or 9% rate of return. That way the money could remain liquid, but still continue to work and grow.

When shown the math, the professors were shocked to recognize that this method could produce enough income to completely pay off the 30-year mortgage in only 13.5 years. Keeping real estate equity separated from your mortgage is a proven strategy to enjoy liquidity, safety, and a predictable rate of return that allows you to get out of debt sooner.

The extra money that can be accumulated by not paying off your mortgage unnecessarily can easily swell to an extra million or two million dollars over the term of a 30-year mortgage.

Time Is Too Precious to Waste

Most Americans tend to accumulate money throughout their lives in one of two places. Real estate is the first one. For many people their primary real estate is the home they live in, though some choose to own real estate or investment properties for other purposes.

The second place where Americans accrue money is in a retirement savings account. More often than not this would be an IRA or 401(k).

What most Americans don’t realize is that clinging to these methods of saving for retirement, they’ve been sabotaging their success. It’s the equivalent of trying to drive down the highway with a foot on the gas and the other foot pressing on the brakes.

Most often, they aren’t aware of what they’re doing, either before or after their retirement.

What if there was a better way to move you steadily toward your brighter future? How soon would you want to know about it? A prudent person would say, “Just as early as possible.”

Often people don’t recognize they’re making a mistake because they don’t quite understand how money works. Anytime you deposit money in a bank, a credit union, or an insurance company, there are basically four things you can do with that money. You can spend it, lend it, own something with it, or give it away.

Banks borrow money from us when we put it into the bank in savings. In return they pay us maybe 1%, if that. This means that for every $100,000 dollars we deposit with them they’ll pay us $1,000 in interest.

But the bank is loaning that money out to other people, say for a mortgage, and charging them 4%. On a $100,000 mortgage that means the bank is making $4,000 in interest compared to the $1,000 they’re paying you for saving your money with them. That’s 400% greater than what you’re getting paid. Get the picture?

What if you were able to put these same principles to work in your life? What if you could borrow money at four percent that gave you a predictable rate of return of eight percent? You’d be creating the same kind of predictable rate of return that a bank does, but that money would be working for you.

Learn how to make this a reality by visiting with a wealth architect 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

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, June 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 will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

An Abundant Life Requires More Than Just Money

The great Marshall Thurber used to teach that the vast majority of failures were due to the lack of a system. This is true in virtually every area of our lives. It can apply to how a business is run, how we take care of ourselves physically, or how we manage our money.

In the latter case, SYSTEM can also represent an acronym that stands for Save Your Self Time Energy Money.

Thurber taught about the importance of predictability in ensuring quality results. For instance, if you followed the exact recipe for a given dish, you’d get a perfect result 90-95% of the time.

This same principle can be applied to systems that create predictable wealth.

Most people, who are familiar with finance, tend to focus on creating predictable rates of return and predictable results with their money so they don’t have to worry about their money.

There are a number of ways to accomplish this.

This includes structured cash flows. There is also the option of putting money into a maximum funded insurance contract. During the past 12 years—possibly the worst 12-year period since the Great Depression—people who have done this have enjoyed predictable rates of return at a time that was utter chaos to others.

Many investors saw up to a 40% loss in their savings twice in the past 12 years, first in 2003 and again in 2008..

But those individuals, who used systems that gave them predictable returns, saw their money double and triple during that same 12 years. Most importantly, they did not lose a dime when the economy declined.

Ongoing market volatility is part of a triple whammy that includes higher taxes and rising inflation. But having the right system in place, can produce predictable tax-free returns while building a nest egg that continues to produce tax-free income throughout your retirement.

It all begins with learning the right strategies.

Prosperity Requires Following Certain Rules

On September 23, 1908, in a game against the Chicago Cubs, Fred Merkle of the New York Giants was on first base with Moose McCormick was on third base, with two outs in the bottom of the ninth inning. The score was tied. The next batter singled home McCormick from third base. But Merkle, caught up in the excitement, failed to touch second base and ran to celebrate with his teammates.

The second baseman noticed this, picked up the ball and tagged second base and then appealed to the umpire who called Merkle out. This nullified the run just made by McCormick. In the ensuing chaos, the game was called a tie and the Cubs and Giants had to meet in a playoff game. The Cubs won that game.

Had the giants won that September 23^rd game, that playoff would have been unnecessary and the Giants could have won the 1908 World Series that instead ended up being won by the Cubs.

The lesson here is that sometimes in life, we forget to touch all the bases and it can come back to bite us later.

We must keep things in their proper perspective. This is especially true when referring to money. It’s great to to accumulate money predictably and tax-free whether in good times or bad times. But we cannot forget to touch all the bases while doing it.

This means all of the bases like your health, your family, your relationships, and your values. You’ve got to get your intellectual assents, your wisdom, your knowledge, and your experience in alignment as well. It’s also important to touch the base of what you give back to society.

What good is wealth without these other foundational areas? A person will struggle to be truly happy if they don’t remember to touch these bases.

Our knowledge, attitudes, skills and habits contribute greatly to the kind of abundance that we all hope to enjoy.

Getting the right systems in place to enjoy the abundant life, starts by visiting with a wealth architect 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

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, May 28th 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 will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

The Two Places Most Americans Accumulate Their Money

There are two primary places where most Americans tend to accumulate money throughout their lives. Real estate is the first one. For many people their primary real estate is the home they live in, though some choose to own real estate for other purposes.

The second place where Americans accumulate money is in their retirement savings vehicles; most commonly IRAs or 401(k)s.

What most Americans don’t realize is that by following these methods of saving for their golden years, they’ve effectively been defeating their purpose. It’s like they’ve been trying to drive down the freeway with one foot on the gas and their other foot pressing on the brake.

Most often, they are oblivious to what they’re doing, both before and after retirement.

Suppose there was a better way to move you swiftly toward the brighter future you’ve envisioned. When would you want to know about it? Most of us would say, “Just as soon as possible.”

One of the reasons that people don’t realize that they’re making a mistake is because they don’t understand how money works. When you put money in a bank, a credit union, or an insurance company, there are basically four things you can do with that money. You can spend it, lend it, own with it, or give it away.

Banks borrow money from us when we put it into the bank in savings. In return they pay us maybe 1%, if that. This means that for every $100,000 dollars we deposit with them they’ll pay us $1,000 in interest.

But the bank is loaning that money out to other people, say for a mortgage, and charging them 4%. On a $100,000 mortgage that means the bank is making $4,000 in interest compared to the $1,000 they’re paying you for saving your money with them. That’s 400% greater than what you’re getting paid. Get the picture?

What if you were able to put these same principles to work in your life? What if you could borrow money at four percent that gave you a predictable rate of return of eight percent? You’d be creating the same kind of predictable rate of return that a bank does, but that money would be working for you.

Why The Well-Informed Do Things Differently

During a meeting with 3 finance professors at a major university, the topic of a 15 year amortized mortgage came up. These professors admitted that they regularly counseled their advanced students to buy their first home using a 15-year mortgage rather than a 30-year mortgage.

This is a position advocated by many financial advisors, but it operates from the notion that the only way that people will pay off their homes is if the mortgage company is threatening to take it away from them.

These professors sincerely believed that by paying the higher principal and interest payment, a person would have their home paid off in 15 years and then be able to sock away what they would have paid in additional interest.

What these professors hadn’t realized was that when considering the differential between the 30 year amortized payment, which is less, and the 15-year payment, which is higher, a person could actually do much better. This is because when the differential is combined with the tax savings achieved during the first 15 years of a 30-year mortgage, that money could be socked away in a conservative side fund earning a predictable 8 or 9% rate of return. This way the money remains liquid, but continues to work for you.

When shown the math, the professors were amazed to see that this method produced enough money to completely pay off the 30-year mortgage in just 13.5 years. Keeping your real estate equity separated from your mortgage is a proven way to enjoy liquidity, safety, and a predictable rate of return that allows you to get out of debt sooner.

The extra money that can be generated by not paying off your mortgage unnecessarily can easily amount to an extra million or two million dollars over the course of a 30-year mortgage.

Think about what that extra money could mean to your family when you’re gone.

If you’re ready to learn more, contact a wealth architect 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

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, May 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 will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

Abundance is More Than Just Money

The great mentor Marshall Thurber taught that 94% of all failures are due to a lack of a system. In this case, SYSTEM is an acronym that stands for Save Your Self Time Energy Money.

Thurber taught about the importance of predictability in ensuring quality results. That means if you put a certain amount of wood into the fire, you’d get a certain amount of BTUs. Or if you followed the exact recipe for cinnamon rolls, you’d get a perfect batch of them 90-95% of the time.

This same principle can be applied the systems that create predictable wealth.

Most people, who are familiar with the world of finance, focus on creating predictable rates of return and predictable results with their money so they don’t have to worry about their money.

There are several different ways to accomplish this.

One is called structured cash flows. Others include putting money into a maximum funded insurance contract. During the past 12 years—possibly the worst 12-year period since the Great Depression—people who have done this have enjoyed predictable rates of return at a time that was utter chaos to others.

Many investors saw up to a 40% loss in their savings twice in the past 12 years, first in 2003 and again in 2008. It’s no wonder people were running around in a panic.

But those who used systems that created predictable returns saw their money double and triple during that same 12 years. They did not lose any money when the economy went down.

That ongoing market volatility is just one part of a triple whammy that also includes higher taxes and rising inflation. But once again, having the right system in place allows a person to enjoy predictable tax-free returns while building a nest egg that continues to produce tax-free income throughout your retirement.

Having a life of abundance begins with learning the right strategies.

Building Your Dream Life of Peace and Prosperity

On September 23, 1908, in a game against the Chicago Cubs, Fred Merkle of the New York Giants was on first base with Moose McCormick was on third base, with two outs in the bottom of the ninth inning. The score was tied. The next batter singled home McCormick from third base. But Merkle, caught up in the excitement, failed to touch second base and ran to celebrate with his teammates.

The second baseman noticed this, picked up the ball and tagged second base and then appealed to the umpire who called Merkle out. This nullified the run just made by McCormick. In the ensuing chaos, the game was called a tie and the Cubs and Giants had to meet in a playoff game. The Cubs won that game.

Had the giants won that September 23^rd game, that playoff would have been unnecessary and the Giants could have won the 1908 World Series that instead ended up being won by the Cubs.

The lesson here is that sometimes in life, we forget to touch all the bases and it can come back to bite us later.

We have to keep things in their proper perspective. This includes money. It’s fine to learn how to accumulate money predictably and to accumulate it tax-free in good times or bad times. But we have to remember to touch all the bases while we do it.

This means touching not only the financial bases, but also the other bases like your health, your family, your relationships, and your values. You’ve got to get your intellectual assents, your wisdom, your knowledge, and your experience in alignment as well. It’s also important to touch the base of what you give back to society through your contributions.

What good is your money without these other foundational areas? It’s impossible to be happy without remembering to touch these bases.

Our knowledge, attitudes, skills and habits contribute greatly to the kind of abundance that we all hope to enjoy.

If you’d like to learn how create greater predictability in your wealth without losing sight of those other essential areas of the abundant life, visit with a wealth architect 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

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, January 29th 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 will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

An Asset You Shouldn’t Overlook

Let’s say that you have a home that you bought for $500,000 that doubles in value to be worth $1 million in ten years. Would you consider that a good asset?

If we apply the Rule of 72 and divide 10 years into 72, we find that your asset grew in value at an annual rate of 7.2%. That’s not too bad.

Now, suppose you had other assets that not only doubled or even tripled in value over that same 10-12 year time period, but what if they did it tax-free. That would be a fantastic asset.

Going back to the Rule of 72, if you had your money earning 1% interest in the bank, it would take 72 years for your money to double. If you were earning 2% interest, it would take you 36 years to double your money. At 5% interest, it will take about 14.4 years. If you earned 10%, your money will double in just 7.2 years. You get the picture.

Now consider that people who used indexed Maximum Funded Tax Advantages life insurance contracts saw an average return of 7.2% during the period of 1999 to February of 2009. Why is this significant? It’s noteworthy because that was the single worst 10-year period since the Great Depression. And they still doubled their money tax-free during that time.

If you want to be protected from higher taxes, rising inflation, and continuing market uncertainty, you need to know what these folks know.

The Best Bank In Town

What if you were to hear of a new bank in town that is rated about six notches higher than any other bank in town? In fact, let’s suppose that this bank is the repository where other banks in town put some of their money so they can enjoy liquidity, safety, and predictable rates of return. The banks put their money there because they know that they can safely earn 4-5% and it’s tax-free.

These banks only have to pay the people who put money in their bank 1%, so they’re making 4 to 5 times what they have to pay the public who puts money in their bank.

Let’s say that this bank is safer as well since it has nearly double the reserves on hand that other banks have. This translates into greater liquidity since if the people need to get to their money, they can do so.

This bank will also pay you 4-5% interest that will be totally free of tax. You won’t have to worry about getting a 1099 form for the interest you’ve earned like you would at other banks. Remember, those other banks would most likely only be paying you 1% interest.

Here’s another unique advantage to this new bank; anything that you deposit into the bank will blossom instantly if you should happen to die. In other words, this bank will insure you so that for every $100,000 you have deposited, it will instantly grow by 2.5 times to $250,000. This, in turn, will be paid to the beneficiary of your choice such as your spouse, your children, your church, or your favorite charity. And it will go to them tax-free.

By now you’re probably wondering exactly what type of bank this is.

This is actually a description of a Maximum Funded Tax-Advantaged (MFTA) life insurance contract under section 101a of the Internal Revenue code.

This is exactly where many of the millionaires and billionaires who utilize Missed Fortune strategies put their money. And they continue to earn an average of 7-9% tax-free just like clockwork. Some years they earn even more, like last year when they earned an average of 12-18%.

If this intrigues you, wouldn’t you want to learn how to put these same proven strategies to work toward your brighter future?

You can start today by  visiting with a Missed Fortune advisor.

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.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, August 28th 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 will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

The Way Things Have Always Been Done

We all get comfortable doing things a certain way. When we’re getting the desired results, that’s great. But what about when the results aren’t what we’d want?

Do we stubbornly hang on in the hopes that we’ll get a different result? Or do we change our game plan?

These questions are critically important as they relate to taking ownership of our financial future. For instance, the average American taxpayer has roughly $4,000-$5,000 a year that is going down the drain. These are otherwise payable taxes that could be diverted to more productive causes like savings, investments, or a retirement nest egg.

The only reason people keep letting that money slip away from them is that they don’t yet know how to put it to better use. They haven’t learned how to reposition their assets without increasing their outlay by one dime. They haven’t learned how to minimize taxes.

These represent little things that can add up quickly over time. By not repositioning that money, they give up the possibility of an extra $6,000-10,000 or more a year that could be growing and compound for future use.

Most people tend to accumulate their money in two general categories. One is their retirement savings such as 401(k)s and IRAs, the other is in real estate; usually meaning their home.

If you are following the crowd by socking away money in an IRA or 401(k), you could have 2-4 times as much money saved at the end of the day if you were accumulating that money in a tax-free vehicle, rather than a tax-deferred or taxed-as-earned account. Likewise, if you’re trying to get out of debt by sending extra principal payments to your mortgage company, you may be missing out on a fortune because you don’t know what you don’t know.

Finding The Money That’s Going to Waste

There are six common ways that people miss out on money that they could have been putting away for their retirement planning.

1. They use short term investments for long range goals.
2.  They use long term investments for short range goals.\
3. They keep large amounts of money sitting in the bank earning 1% interest.
4. They use “crawl” investments like CDs and money markets that crawl toward the finish line.
5. Sometimes they use “walk” investments like annuities that keep them walking toward the goal of financial independence.
6. They use IRAs and 401(k)s to save for retirement without understanding that these are not the best way to save.

The key flaws that many of these approaches lack include liquidity, safety of principle, tax-free growth, and a predictable rate of return.

If you believe that waiting until you’re 70 ½ and taking minimum distribution will save you on taxes, you’re in for a rude awakening. You’re not saving yourself from taxes; you’re simply postponing and delaying the inevitable. Such a strategy will dramatically increase the amount of taxes you’re going to pay in the end.

You could have got it over and done with by repositioning that money into a better savings vehicle, paying the applicable taxes, and having that money be tax-free from that day forward.

By the same token, getting out of debt by sending extra principal payments to your mortgage company is not a safe or liquid way to go. And you’re earning zero rate of return by using this approach. If you’re sitting there right now with a 15-year mortgage, you may be making a $100,000 mistake.

If you wish to get a better result than you’re currently getting, you must be willing to learn and apply the proper strategies to make that happen.

Learn how by visiting with 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.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, August 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 will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

The Challenge We All Face

A few years ago, David Walker resigned as the comptroller of the General Accountability Office (GAO) because he wasn’t allowed to speak plainly about the national debt.

Now that he’s free to speak his mind, Walker recently stated that our leaders are failing at their most fundamental task: controlling federal spending. He said that although many voters see the debt as an esoteric policy issue, the issue really hits home when we consider how it affects people individually through the economy and our jobs.

Walker also pointed out that this national debt sinkhole is getting deeper by $10 million every single minute, due largely, to unfunded promises. He noted that the numbers alone are appalling, but the thought of passing that debt to our grandchildren is beyond outrage.

Just five years ago, every taxpayer in America would have had to write a check for $92,000 in order to pay off the national debt. Today, that check would be more like $160,000. In only five years, an additional $70,000 has been “borrowed” from every U.S. taxpayer. If we aren’t the ones to pay off this debt, then our children and grandchildren will have to take on that burden.

Can you imagine the chaos that would result if the federal government were to start changing and then announcing quarterly how many minutes are in an hour? The way that the national debt is being handled is creating chaos as well. Out of control spending coupled with manipulation of the money supply to try to artificially hold down inflation is creating immense uncertainty and volatility in the markets.

That no matter who gets elected president, we have some serious issues to address thanks to the hole that we’ve dug ourselves. You need to be protecting your money from higher taxes, rising inflation and continuing market uncertainty.

The Dream Solution Most Financial Advisors Never Learned

If we keep doing the same thing over and over, we’ll never get a different result. Take, for instance, the people who put their money at risk in the market by saving in IRAs and 401(k)s, only to see the value of their nest eggs drop by nearly 40% twice in the last decade.

Or the investors with money in mutual funds who, according to DALBAR, only saw an average rate of return of 3.49% over the past 20 years. Doing thing the same way over and over has most of those investors barely breaking even, if at all.

Many financial advisors are telling their clients that they’d better not plan on withdrawing more than 4-5% a year from their retirement funds or they run the risk of depleting their nest egg too early.

On the other hand, investors who followed the LASER strategies that Doug Andrews has taught his clients for many years, not only kept their money, but many doubled it during the worst decade since the Great Depression.

They did it with Liquid Assets Safely Earning a predictable Rate of return.

They saw their money safely grow, protected from market volatility, at a rate that outpaced the rate of inflation. And best of all, their money accumulated tax-free and will remain tax-free as they access it and eventually when it is transferred to their heirs at the end of their lives.

They beat the combined dangers of taxes, inflation, market volatility and economic uncertainty. They utilized proven strategies that most financial advisors don’t teach because they don’t know what they don’t know.

These clients won’t be worrying about outliving their retirement money because they’ve taken ownership of their future. The economic problems associated with out of control spending and the growing national debt pose a danger to all of us. But those who learn and utilize the Missed Fortune strategies have a real solution at their disposal.

Learn more by visiting with 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.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, July 17th 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 will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

A Lawyer’s Dream

Fox News recently reported that officials have already drafted 13,000 pages of new regulations for the new Obama tax law.

In the article, Fox News reports: “With the Supreme Court giving President Obama’s new health care law a green light, federal and state officials are turning to implementation of the law — a lengthy and massive undertaking still in its early stages, but already costing money and expanding the government.

The Health and Human Services Department “was given a billion dollars implementation money,” Republican Rep. Denny Rehberg of Montana said. “That money is gone already on additional bureaucrats and IT programs, computerization for the implementation.”

Stan Dorn of the Urban Institute said. “”Oh boy, HHS has a huge amount of work to do and the states do, too. There will be new health insurance marketplaces in every state in the country, places you can go online, compare health plans.”

The IRS, Health and Human Services and many other agencies will now write thousands of pages of regulations — an effort well under way.”

While the individual mandate tax gets most of the attention, the Obama health care law actually contains at least 20 new or higher taxes on the American people. These taxes are to be phased over the years 2010 to 2018. In January 2013, there are five major Obama Care taxes that will come into force that will definitely hit your wallet.

The first one is the Obama Medical Device Manufacturing tax. This is a 2.3% tax on the makers of medical devices that will raise the price on every pacemaker, prosthetic limb, stint, operating table, etc. Those increases will be passed on to the health care consumer, meaning each of us.

The second tax is the Obama Care High Medical Bills tax. Right now on your 1040 tax return form, the extent that the cost exceeds 7.5% of your adjusted gross income can be deducted for medical and dental expenses. That will now be raised to a threshold of 10% that hits everyone once again.

The third tax is the Obama Care flexible spending account cap. This new tax will affect nearly 24 million Americans who have a flexible spending account that will now face a federally imposed $2500 cap. Up until now, there has been no federal limit on what people could use their flexible spending account to purchase. This means that parents and families will be impacted when they wish to use their FSA to purchase braces, eyeglasses, or even tuition for their special needs children. All this so the federal government can squeeze an extra $13 billion out of the taxpayers over the next 10 years.

The fourth tax is the Obama Care Surtax on Investment Income. Under the current law, the capital gains tax rate for all Americans rises from 15% to 20% in 2013 while the top dividend rate rises from 15% to 39.6%. The new surtax raises the top capital gains rate to 23.8% and the top dividend rate to 43.4%. This means that those of you who will have capital gains and dividends from your investments will be coughing up $123 billion dollars in tax revenue over then next 10 years.

The fifth tax is the Obama Care Medicare Payroll tax increase. This new tax soaks employers to the tune of $86 billion over the next 10 years. This will not help unemployment one bit.

Is it any wonder that the writers of the Obama Care wrote the biggest tax hits in the bill to take effect after the 2012 election?

Protecting Your Nest Egg From Obama Care

If the prospect of the increasing taxes under the Obama health care law is giving you an uneasy feeling, take heart. There is still time to get your nest egg into a vehicle that offers protection from the tax hikes.

This vehicle has been around for nearly a century and it is perfectly allowable under the IRS Code. But if you have highly appreciable assets that you’re delaying selling in order to put off the capital gains hit, or if your money is in an IRA or 401(k) where it’s tax-deferred, you will be kicking yourself if you delay taking action sooner than later.

Utilizing the correct Missed Fortune strategies will allow you to take the capital gains or the tax liabilities at today’s lower rates and then enjoying tax-free growth from that day forward.

Learn more by talking with 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.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, June 5th 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.

Tax Cuts Expiring Means Taxes Go Up

This could be a very interesting election year with the Bush tax cuts set to expire at year’s end. If Congress fails to extend them and these cuts are allowed to expire, it will represent one of the single biggest tax increases in our nation’s history.

Paul Ryan is the chairman of the Congressional Budget Office and he says that the Bush tax cuts expiring, combined with other spending initiatives already passed, will have the average taxpayer paying 29.6% more in income tax than last year. To put that into perspective, for every $3,000 in tax you were paying last year, you’ll end up paying roughly $4,000 with the same identical income.

When the tax cuts go, your tax rate on the first $17,000 you earn this year will go from 10% to 15%. That’s a full 50% increase. For married couples earning over $70,700 and filing jointly the tax rate will go from 25% to 28%.

The Congressional Budget Office also estimates that the projected costs of the Obama Health Care law will be nearly 3 times the original estimate of $800 billion at a staggering $2.5 to $3 Trillion.

This is why it’s so important to not only see the potential tax hike coming, but to be prepared for it as well.

Higher taxes only represent part of the problem in that inflation is very likely to rise as well since the government has been printing money to finance its spending habits. The situation isn’t hopeless by any means, but you need to position yourself and your money for the future in such a way that higher taxes and inflation don’t leave you in a quandary.

You need to learn how to redirect otherwise taxable income into more productive causes that you support. By doing so, you’ll not only be taking ownership of your future, but you’ll also be less reliant upon government entitlements like Social Security and Medicare.

Protecting What You Have

There’s a lot to be said for being able to face the future with a sense of calm confidence. So many people are uncertain and confused about the uncertainty of our economy and their retirement savings. No one wants to outlive their retirement income, but that’s just what will happen to those who fail to plan.

The key to obtaining peace of mind is not so much what you have, in terms of the size of your nest egg, it’s about protecting what you have. It’s being able to know that you are free to go about the things you’ve always dreamed about doing during your retirement without wondering if your money will still be there.

Part of the confusion that people experience when it comes to protecting their future nest egg is that many financial advisors don’t know what they don’t know about the best way to go about saving for retirement. There’s a world of difference between a good way to get out of debt and save for the future and the best and smartest way to do so.

For instance, many advisors will tell you to take out a 15 year amortized mortgage. Or they’ll recommend sending extra mortgage payments to the mortgage company with the intention of paying off your house and then taking the money you would have paid to interest and socking it away for retirement.

Let’s pretend you took out a 15-year mortgage on a $375,000 home. You’d have a pretty steep monthly mortgage payment. If you took out a 30-year mortgage on that same home, your payment would be substantially lower, though you’d pay more in interest over the term of the loan.

If your mortgage rate is only 4% while you were earning 8% interest in a safe and predictable tax-favored vehicle, you’re making 100% more than you would be otherwise. With the differential between the 30-year payment and the 15-year mortgage payment, plus the tax savings, at the end of 15 years you could easily have enough money to pay off the 30-year mortgage.

This is just one of the strategies that can help you face the future with confidence. Learn more by visiting with 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.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, May 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 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.

How to Lose a Third or More of Your Retirement Without Even Trying

When it comes to creating a predictable retirement and future, it’s essential to stop clinging to the strategies that are failing to produce satisfactory results for so many.

These strategies include the widely accepted practice of socking away your serious money in an IRA or 401(k). It’s not that these methods can never work; it’s the fact that there are far better ways to acquire money for your future.

One of the areas where these strategies consistently fall short is how they approach taxes. Too many people who’ve saved their money in an IRA or 401(k) find at retirement that taxes gobble up nearly a third of their nest egg due to the tax-deferred nature of these accounts. They also run the risk of finding themselves in a higher tax bracket than they’ve ever been in because they no longer have the deductions they once enjoyed.

There’s a world of difference in what happens when a person accumulates their retirement in a tax-deferred vehicle vs. a tax-free vehicle.

To illustrate this, let’s suppose that you were able to sock away $10,000 per year for 30 years in a tax-deferred IRA or 401(k). With an average of 7.2% yearly compound interest, you’d have a nest egg of over $1 million at the end of that period. That sounds like a sizable sum of money, but it’s simply not enough to last most people through their retirement.

Here’s why: If you’re pulling out just the interest of $72,000 a year or $6,000 month from that account, you’re going to be paying roughly a third of that income in taxes. That leaves you with only $4,000 a month to purchase your gas, groceries, medicines, and everything else you need. This is purely from the effect of taxes. With the Bush tax cuts set to expire and the looming threat of Congress raising taxes, your monthly income could take another hit.

And we haven’t yet even touched on how inflation further degrades the purchasing power of your nest egg by increasing the cost of living. The possibility of depleting one’s retirement nest egg with eleven years may be a painful reality to many.

Those who wish to avoid these pitfalls would be wise to consider a change in strategies.

The Solutions That Are Hiding In Plain Sight

The solution of many financial advisors is to tell people to sock away six times the amount of money and they’ll be just fine. But who can afford to put away $60,000 a year when they’ve been putting $10,000 a year up to this point?

Then answer can be found in redirecting otherwise payable taxes to a retirement vehicle where your money can accumulate tax-free. Not only will the money grow tax-free, but also it will remain tax-free as you start to withdraw it and will eventually transfer tax-free to your survivors. Best of all, this is done fully within IRS Code guidelines that have been on the books for many generations.

By redirecting those otherwise payable taxes into your tax-free retirement account, even an extra $500-$600 per month will grow your nest egg in a big way as the power of compound interest goes to work for you.

Another part of your strategy is to link your returns to those things that go up when there is inflation. This way, when inflation goes up to 5%, you’ll be enjoying predictable returns of 10% allowing you to outpace the rate of inflation. By taking simple, effective steps to counter the effects of taxes and inflation, you’ll have a retirement nest egg that you’ll never have to worry about outliving.

If you don’t yet know how to do this, it’s time you learned.

Start by visiting with 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.