From the category archives:

MFTA Life Insurance

Making Money Or Making Up Lost Ground?

January 8, 2012

Podcast: Download (22.9MB)

This week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, January 10th 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.

Making Money Safely

From October to January, Doug Andrews applied a formula he’d been given in order to not gain weight during the holiday season.

At the first of the year, Doug was happy to see that his weight had been maintained.

By understanding the ratios and portions and the effect of personal activity on his body’s ability to utilize the carbohydrates and fats, Doug followed the formula and got the desired results.

Moreover, he did this at a time when most people were justifying eating things that are fattening and unhealthy.

This can be likened to how many of us can either follow formulas or follow the crowd when it comes to setting aside money for our future.

When we follow the crowd, we put our money into 401(k)s or IRAs. We tell ourselves we’ll be in a lower tax bracket in the future. We tell ourselves to keep hanging in there with our money in the market, waiting for the average 12% rate of return we were promised.

The reality is that 401(k)s and IRAs deny us liquidity. Our tax liabilities can still increase due to rising taxes and disappearing deductions. And according to DELBAR, most people who put their money in the market have averaged just 3.83% rate of return over the past 2 decades.

But there are proven formulas that allows you to successfully and safely earn a conservative, predictable rate of return averaging 8% net cash on cash. Even during the worst 10-year period since the Great depression—2001 to 2011–this formula has allowed people to double their money, safely and tax-free.

By following a predictable system, they got the results they desired.

Of all the resolutions to make this year, choosing not to follow the crowd any longer, may be the most significant.

This means you don’t continue to put your money into investments that are vulnerable to taxes, inflation or economic uncertainty.

Instead, choose to take charge of your financial future by learning the formulas that allow your money to grow tax-free, to outpace inflation and to remain safe when the market declines.

Two Steps Forward-One Step Back

Many of us remember the childhood game of red-light/green-light. You’d take nine steps forward and then have to take 4 steps back. Your net gain was never as much as you’d have liked it to be.

That stopping and starting sensation is a familiar one to anyone who lost a third or more of their retirement nest egg over the past 10 years. Some years they’d make great gains only to lose spectacularly the next year.

After 10 years of market uncertainty, very few investors have even managed to break even with the amount of money they started out with. Once they were accustomed to earning 6-8%, but now they’re earning just 1-2%.

They’re struggling to make up lost ground and feeling frustrated and hopeless.

Whether you have $150,000 or $1.5 million in an IRA or 401(k), that money isn’t really all yours. Uncle Sam and the state in which you reside will likely claim about one third of that money through taxes when you retire.

When you consider the cost of taxes, fees and the effects of inflation, you’ve taken plenty of steps backwards financially.

Getting different results in the coming year is going to require doing something different than they’ve been doing up to this point.

This is a prime opportunity to get your financial house in order so that you can create predictability in your life and in your financial future. This is how to gain the confidence that you will not outlive your money.

The Missed Fortune strategies can teach you how to accumulate your nest egg, tax-free. That money will distribute tax-free at retirement or any other time you need to access it. And best of all, it transfers to your spouse or children tax-free when you pass.

The only step backward you’ll be taking is the actual cost of the vehicle in which you’re putting your serious money. But you’re still moving nine steps forward for a net of eight steps ahead of where you started.

This is only possible when you counter the three major threats of the next decade:

Higher taxes
Inflation
Market volatility

Learn how to eliminate these dangers and safely and predictably grow your money without having to make up lost ground.

Learn how to make these principles work for you by contacting 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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Ask the Right Questions To Get the Right Answers

December 11, 2011

Podcast: Download (22.9MB)

This week Doug Andrew discussed the following:

Upcoming Free Webinar

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

Retirement Questions for Business Owners

Many business owners are feeling frustrated because of the economic uncertainty of the past 10 years. The so-called “Lost Decade” has cost many folks nearly 40% of their retirement nest egg due to market volatility.

Following 9/11, the economy declined for 3 consecutive years before it started to regain traction. By 2007 those with money in the market had begun to break even with where they were prior to September 2001.

Of course, in 2008 the market took another 40% drop and it was back to square one for those investors.

Business owners who were recently taught the Missed Fortune strategies were intrigued to see proof that investors who followed these indexing strategies throughout the Lost Decade actually doubled their money. That’s quite a contrast to those who have been struggling to regain lost ground for the past 10 years.

When asked to elaborate on their frustrations, these business owners pointed first to the market volatility as a primary source of irritation. They also pointed to concerns about taxes going up as well as the likely effects of inflation.

Next the business owners were asked how long this trend had been going on. Some answered that they’d been staying the course in their IRAs or 401(k)s for 15-20 years at the behest of their CPA, attorney or other financial advisor.

One of the classic definitions of insanity is to do the same thing over and over while expecting a different result.

The third question asked of these business owners was what they had tried in order to remedy their situation. Often they would reply that they tried to protect themselves and their money from further losses by putting it into a bank account that yielded 1% interest and where there was zero upside potential when the market grew.

Often they would dive right back into tax-deferred accounts again thinking that they’d see a return of the days of average 12% returns like their financial advisors spoke of in glowing terms.

But it hasn’t happened. According to DALBAR, most people actually averaged 3.83% because they tended to buy & sell at the wrong times. By contrast, the Missed Fortune indexing strategies have averaged around 8.2% percent rate of return in a safer, more conservative environment and it’s tax-free.

The next question for the business owners was “how much is this costing you?”

If the $100,000 you started out with could have grown to $500,000 but instead is sitting at just $200,000 thanks to taxes, inflation or market volatility, the missed opportunity has cost you $300,000.

The final question was, “if you go another year and you don’t change what you’re currently doing, how are you going to feel?” This question cuts right to the heart of the matter because there are proven ways to grow your money safely regardless of what the economy is doing.

Missed Fortune strategies have a proven track record of eliminating the concerns and making this happen.

10 Lies About Money

Doug Andrews is currently collaborating with Tony Robbins on a book about the 10 greatest lies about money and finance. Their goal is to help people take ownership of their financial future.

Among the top ten lies about money that people believe:

Government knows best and will take care of us in the future. The truth is that we always take better care of anything in which we take ownership.
Putting money in tax-deferred investments using pre-tax dollars is the best way to save for retirement. This is far from the best way to save for the future.
You’ll be in a lower tax bracket in the future. A lot of people who’ve built up a nest egg with tax-deferred funds have found out the hard way that Uncle Same takes a big bite the moment they start to withdraw that money.
You can average a rate of return of 12% by putting your money in the market. Actually, the average return for the past 12 years has only been 3.83%.
Real estate investments & equity pass the Liquidity, Safety & Rate of Return (LASER) test. This is not accomplished by sending extra principal payments to the mortgage company like so many advisors will tell you.
You should buy term insurance and invest the difference. Instead you can accumulate money tax-free and far outpace the buy-term-invest-the-difference approach.
You can structure a life insurance contract to perform as a superior investment vehicle. Unless the insurance contract is 100% structured correctly, you will fail in this strategy.
You should buy and hold. That myth simply hasn’t worked.
Your IRA and 401(k) are your money. Actually, 33-50% of that money belongs to the government in the form of taxes.
Leverage or debt is bad. By learning to become your own banker you can turn this lie on its head just as the thrivers of the world have done for generations.

Learn more about overcoming the pains of market volatility, higher taxes and inflation by meeting 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.

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While the Government is Placing Band-Aids, We’re Throwing Lifelines

July 31, 2011

Podcast: Download (22.9MB)

This week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, August 2nd 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.

Debt Limit Increase: A Temporary Band-Aid

5 years ago the national debt was $9.3 trillion — about $90,000 for every taxpayer in America.

We’re now up to $14.3 trillion and rising — $143,000 for every taxpayer.

We don’t have a revenue problem in America; we have a spending problem.

Most Americans agree. A recent CNN poll showed that 66% of Americans support government spending cuts.

Raising our debt limit temporarily is just a Band-Aid.

We need a more fundamental and drastic approach to curing our financial woes.

A recent Forbes article reports:

“’Raising the debt ceiling and getting beyond Aug 2nd does not cure the main source of our problem,’ [said Lacy Hunt of Hoisington Investment Management]. The main problem is that the fiscal problems of the U.S. are enormous. Total federal debt is approaching 100% of gross domestic product, and the three biggest components of that debt will rise dramatically through the end of the decade. Social Security and Medicare can be reformed, but there is little the government can do about interest expense. Even if rates stay constant, Hunt said, interest expense will exceed defense spending by the end of the decade.”

The Congressional Budget Office estimates that interest on the debt is projected to be about 3.4% of GDP by 2021, up from 1.7% in 2001.

However, Forbes reports,

“the CBO only projects an increase in real, or after-inflation, interest rates to 3.1% from a current 1.8%. It also projects a steady decline in unemployment to around 5% and real wage growth of 1.4% a year or more. Relax those assumptions — particularly for wage growth, inflation and interest rates — and the government could get itself into a death spiral of rising interest rates and stagnant economic growth that will make the debt practically impossible to service.”

We need to cut taxes and spending and support entrepreneurs to get cash flowing again.

Cash Value Insurance: A Lifeline in a Sea of Market Uncertainty & Government Ignorance

While you can’t control what the government does, you can control your household finances.

Missed Fortune offers solutions.

During the last 4 years — the worst-performing years since the Great Depression — Missed Fortune clients are up at least 50%.

Those with $1 million or more in our products have doubled or even tripled their money in the last 10 years — and it’s completely tax-free.

They’ve averaged returns of between 7.2% and 9.6% the last 10 years, whereas most Americans are barely breaking even.

How have they done it? Through maximum-funded tax-advantaged cash value life insurance.

When structured as a superior capital accumulation tool, it can perform at an average cash-on-cash rate of return of more than 8%.

This one product can overcome taxes, inflation, market uncertainty by giving you safety of principal, an inflation hedge, and healthy tax-free growth.

Learn more by meeting 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.

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Taking the Risk Out of Growing Your Money

July 3, 2011

Podcast: Download (23.0MB)

This week Doug Andrew discussed the following:

Upcoming Free Webinar

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

The Risks That Haven’t Paid Off

Wall Street has already lost more than 45% of investors money twice in just the last decade. After 9/11 we had three significant down years. And in 2008 people saw their IRAs and 401(k)s decrease an average of 31%.

As of First Quarter 2011, many people are just now starting to see a break-even point or a return to the ground they lost just a few years ago. The people who followed the Missed Fortune strategies have received at least a 7.2% rate of return through those years, even if they were simply protecting themselves during the down years by not losing money.

They were positioned to participate indirectly in the up times and have doubled their money–tax free–in the past decade.

People who used “re-balancing” were able to earn even greater rates of return in the neighborhood of 9.62% during the past 10 years. By contrast, the typical equity mutual fund investor who had his money in the market for the past 2o years earned a paltry average of 3.83%.

They’ve only outpaced inflation by a mere 1% per year. When inflation goes up to 5% or 7.2% the cost of living doubles every 10 years. Rowing against the current of inflation while keeping your money in the market is going to lead to a rude awakening for many investors.

The only reward that stock market investors have received for taking all that risk over the past four decades has been sleepless nights and broken dreams of retirement.

They’re losing ground at a time when no one can afford to give up an inch.

Protecting Your Money By Indexing

You must understand how to protect yourself so that when the economy is doing well you get to participate and when it’s not doing well you’re not losing your money. You don’t have to be subject to risk and losses in order to put your money to work.

By linking your serious money to the indexes of the S&P 500 or the Russell 2000 or other indexes you can participate in the growth of the markets without exposing it to the risks of market volatility.

If we go back 10 years ago, and you were starting out with $500,000. If your money was in the market you could have used indexing to enjoy growth up to a certain cap. Say it was capped at 15% earning on AAA and AA bonds, your $500,000 would have remained intact during the down years that immediately followed 9/11 where the S&P dropped by 24%

You wouldn’t have earned much during those down years, but more importantly, you also wouldn’t have lost a dime of your principal.

As soon as the economy turned around your money would have started earning again immediately. Better still, when your money is growing again, it’s accumulating tax free thanks to the way it was positioned in the first place.

Re-balancing requires occasionally moving your money depending upon what’s going in the U.S and the world. But if you followed Missed Fortune indexing strategies that $500,000 you started out with would have grown to $1,315,000.

That equals a retroactive 9.6% rate of return compounded annually and it would have grown tax free if you used indexed Maximum Funded Tax Advantage alternatives to IRAs and 401(k)s. This money would also transfer tax free to your heirs in the event of your death.

This is far superior to the tax hit you take when you start pulling money out of your 401(k) or IRA. But to protect your money from higher taxes, inflation and market volatility, you must know and use the Missed Fortune strategies.

Learn how to put these strategies to work for you. 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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How to Make Rain in a Financial Desert

August 31, 2010

We’re heading into late summer…two-plus years into the country’s deepest recession since the Great Depression…and the mild optimism offered a few months ago may be drying up.

In a move that recently made headlines, the Fed decided to keep interest rates low. By doing so, the New York Times reported the Fed was acknowledging “their confidence in the recovery has dimmed.”

This is stifling news for the millions Americans who remain unemployed, those who have foreclosed on their homes, and those who have seen their retirement savings evaporate.

No one wants to face the fact that the country’s financial draught may linger.

But how to make rain?

While the lawmakers, business leaders, and financial institutions grapple with the issue, it would be wise for each of us to do what we can, on our own, to bring on the rain.

Just as a seed planted in the spring needs moisture throughout the summer to be ready for the harvest in the fall, your retirement savings require nourishment to grow.

In an otherwise arid climate, how is that possible?

Ask the folks who have not yet lost a dollar from their retirement savings vehicles – and even continued to gain a rate of return over the last two years.

Rather than following the crowd and using traditional retirement accounts like 401(k)s and IRAs, they optimized their assets and leveraged maximum-funded, tax-advantaged insurance contracts.

Find out what you can do now, even in this financial desert, to use the same strategies they did.

Isn’t It Time You Became Wealthy?®

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How to Beat Inflation

August 24, 2010

Last week Doug Andrew discussed how inflation will impact your retirement.

In this video, Doug explains how to overcome the problem of inflation:

*If you’re reading this in an RSS reader or email, you may need to click the title of the post to view the video on our blog.

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New York’s Shell Game

June 28, 2010

Your Retirement Shouldn’t Be a Guess

Recently, New York came under fire for what many are calling a “shell game” as it jostles money about within its pension fund to pay the nearly $6 billion it currently owes in annual payments — by borrowing from the very same fund.

The New York Times reported:

“Pension costs for the state and municipalities are soaring, a result of enhanced retirement benefits for public employees and the decline in the stock market over the past two years. And, given declines in tax revenue and larger budget shortfalls, the governments are struggling to come up with the money to make the contributions.”

New York is not alone in this financial dance. States, counties, cities, even corporations across the country are shuffling and tapping their way through these meager times, often coming up with less-than-fail proof ways of meeting their responsibilities.

The biggest downside is that the employees who have counted on those pensions and funds for their retirement may be facing a future without them.

The uncertainties of the future are exactly why we must do what we can to make our futures certain for ourselves.

We have seen that we can’t necessarily trust the government, employers or even some financial institutions to do what they’ve said, when they said they would do it.

Take your retirement into your own hands. Learn more about how you can safeguard yourself against the ups and downs of the market, while still enjoying a safe, liquid way to save for your retirement.

Discover how you can optimize your assets and put your serious money in maximum-funded, tax-advantaged insurance contracts.

We’ve seen how this approach can help clients approaching retirement — teachers, police officers, and others who otherwise would have relied solely on government-funded pensions — find a secure path to a comfortable retirement.

You work hard for your money, and you deserve to rest well during your retirement, with the peace of mind that your retirement dollars will be there when you need them — even if your former employers’ plan wouldn’t be.

Find out more, now.

Isn’t It Time You Became Wealthy?®

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Facing “Unretirement”? It’s Not Too Late to Protect Your Future

June 22, 2010

Over the last couple years, the economic upheaval has siphoned off critical value from many retirees’ 401(k)s, IRA(s) and stock portfolios.

People who had planned on riding off into the sunset are finding they might not have enough gas to get close to that twilight on the horizon.

In fact, many retirees are facing the fact they need to “unretire,” as a recent Fortune magazine article put it. The article provides advice for those forced by financial strain to return to the workplace:

“Having to go back to the office when you dreamed for years about puttering in your garden or volunteering can be frustrating, even depressing. But retirement isn’t all it’s cracked up to be either.

“For most productive, well-educated men and women, an average of 25 years of ‘leisure’ can be terribly isolating and boring; returning to work may turn out to be a blessing after all. Remember that work is good not only for the cash flow but also keeping the mind and spirit sharp.”

While this is a positive approach to a disheartening situation, how nice would it be NOT to have to make that transition back to the workplace?

For many people who optimized assets and put their money in savings retirement vehicles like maximum-funded, tax-advantaged insurance contracts, their retirement savings has been secure — in fact, for many it’s even seen rates of return as high as 8, 14, 16 percent — during this economic downturn.

If you’re approaching retirement and want to make sure you’re able to stay retired, it’s not too late.

You can start now to optimize your assets and take advantage of retirement savings vehicles that are safe, liquid, offer a rate of return — and provide tax advantages — like MFTA contracts.

Even if you have substantial amounts tucked into 401(k)s, IRA(s) or other traditional accounts, you can perform a “strategic roll-out” to move your serious cash to a seriously smarter place.

Even if retirement is something farther out for you, it’s never too early to start. The Missed Fortune series of books can help everyone along the age continuum.

Invest the time to explore these topics in Missed Fortune 101 or The Last Chance Millionaire, because you deserve to invest in yourself and your future.

Isn’t It Time You Became Wealthy?®

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Congress Versus Wall Street

June 15, 2010

Everyone can agree that America suffered financial ruin due in part to actions on Wall Street. But not everyone can agree on how to repair Wall Street.

As financial reform passes the Senate and makes its way through the House, the debate rages on.

Too much oversight and regulation, and America’s financial institutions will be stymied – which could kill America’s fledgling rebound. Too little, and practices that led to the collapse could repeat themselves.

A New York Times article reported:

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

If you’re heavily invested in the market, you’re likely heavily invested in the outcome of this legislation. You also likely suffered more loss than you could have ever anticipated over the past couple years, and you’d rather not experience that again.

But what if you could have been spared the loss? What if you, like the people who optimized their assets and put their serious money in maximum-funded, tax-advantaged contracts, could have maintained their principal – even gained a rate of return of 12, 13 percent or more over the past couple years?

There are ways to prepare for your retirement, to secure your future with savings vehicles that provide safety, liquidity, rate of return, and tax-advantaged benefits.

Learn how to protect yourself, so regardless of legislation, or ups and downs in the market, you can move forward toward true wealth on a steadier, safer path.

Learn more about Missed Fortune strategies now, so you can be better off tomorrow.

Isn’t It Time You Became Wealthy?®

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Taking Back Control from Congress & the Fickle Market

May 30, 2010

Podcast: Download (23.0MB)

This week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

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

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

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

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

Who Determines Your Financial Fate?

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

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

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

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

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

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

Bonus Missed Fortune E-Book: Baby Boomer Blunders

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

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

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