From the category archives:

MFTA Life Insurance

missed fortune super blog itunes 150x150 You Can Count On Your Future Despite Ups & DownsThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, March 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 “The IRA & 401(k) Dilemma” 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.

Don’t Let Market Ups & Downs Get You Down

When the Federal Reserve recently raised interest rates on money it loans to banks from .5 percent to .75 percent, many saw it as positive. A Los Angeles Times article said

“The willingness of policymakers to raise the discount rate is the latest sign that the economy is regaining its footing after falling into the worst financial debacle since the Great Depression.”

And The New York Times said

“The Federal Reserve on Feb. 18 raised interest rates, signaling its confidence in our economic recovery.”

But this news came within the same week unemployment claims unexpectedly went up. And at the same time millions who have already been receiving unemployment assistance are about to see their checks stop coming.

The ripple effect of this, according to the New York Times, is that

“Economists fear that the nascent recovery will leave more people behind than in past recessions, failing to create jobs in sufficient numbers to absorb the record-setting ranks of the long-term unemployed.

“Call them the new poor: people long accustomed to the comforts of middle-class life who are now relying on public assistance for the first time in their lives — potentially for years to come.”

At a time of uncertainty, it’s more important than ever to make your own financial future more certain. Take the lessons of these hard times and find out how to do the following:

  • Optimize your assets
  • Identify retirement savings vehicles that are tax-advantaged and provide liquidity, safety, and a healthy rate of return
  • Stop following the crowd and find a safer path to a more financially abundant life

There are a few things we can count on: Interest rates will rise and fall; the economy will always be cyclical; and overall, taxes will go up.

You should be able to count on your financial future. Find out how today by setting up a free consultation with a Missed Fortune Advisor.

Escape the Pitfalls of Traditional Retirement Plans

When it comes to savings and retirement vehicles, the traditional rhetoric is that you should put your money into “qualified plans” like 401(k)s and IRAs.

For years, Americans have been socking away their investment money in accounts like these, following the crowd, hoping it would ensure the nest egg they want for the future.

The recent economic downturn has all but thrown out the egg and the nest from many Americans’ 401(k) and IRA accounts. Some have lost thousands—others hundreds of thousands—from their traditional retirement accounts.

There are other people, however, who haven’t lost a dime—in fact, they’ve increased their wealth over the past couple years.

What do they know that you don’t?

These people have followed proven but unconventional investment strategies like those described in the Missed Fortune book series.

They know that qualified plans are qualified by the government. And the government is expert at ensuring it gets its money one way or another.

With a 401(k), for example, your taxes may be deferred on the money you invest, but when you withdraw your money after age 59½, you will be hit with taxes.

There are better alternatives for your retirement savings that have all of the advantages that Roth IRAs and 401(k)s offer, but also a considerable amount more.

Consider strategically converting your traditional IRAs and 401(k)s to maximum-funded, tax-advantaged index insurance contracts rather than to Roth accounts.

Using indexing strategies, you can protect yourself from losses and still participate in any upside potential during good years.

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 Safe is Your Money?

February 23, 2010

Is your money safe?

Customers of 1st American State Bank of Minnesota must have been wondering if theirs was when regulators recently closed its doors for good.

As of February 5, 1st Bank was the sixteenth bank to fail so far in 2010. Last year the U.S. saw the failure of 140 banks, which CNN Money reported was the “highest since 1992, when 181 banks failed.”

While 1st Bank customers were protected by the FDIC, with more bank failures predicted for 2010, you have to ask how prudent it is to keep serious money in the care of banks – especially when the future stability of the FDIC is coming into question.

The FDIC was $8.2 billion in debt as of September 2009, (which included $21.7 billion earmarked for future bank failures). What’s more, too many people hope to get long-term rewards from short-term savings vehicles like banks’ money market, CD and similar accounts.

Now more than ever it is critical to find safe places to put your money.

And it’s important to analyze your options for retirement savings vehicles that will yield optimal long-term benefits, as well as liquidity, rate of return and tax advantages.

Maximum-funded, tax-advantaged life insurance contracts can provide all of the above.

Learn now how these retirement savings vehicles can make a difference for your future. Because you deserve to feel confident that your money is safe.

Isn’t It Time You Became Wealthy?

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Save Yourself from Obamunism

February 7, 2010

missed fortune super blog itunes 150x150 Save Yourself from ObamunismThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, February 9th 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 “Retirement Planning & Tax Strategies.” You’ll learn how to get money trapped in 401(k)s and IRAs out of them tax-free. You’ll also 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.

The Messiah President

Since taking office, President Obama’s greatest frustration has been the U.S. Constitution, which was written to thwart charismatic personalities and political messiahs who promise a free lunch.

Specifically, the founders instituted measures to prevent wealth redistribution, but Obama is bent on bypassing or pushing through them.

Most of Obama’s policies consist of a takeaway from the most industrious and productive citizens and a giveaway to those who make the fewest contributions and take the least personal responsibility.

The results will be to increase the number of potential voters who will receive more tax benefits than they pay for, which will put even further strains on our already bursting national debt.

Bleak National Deficit Forecasts

Regardless of your political leanings, everyone can agree that the national debt is unsustainable, and that swift action must be taken to get it under control.

The New York Times recently reported the following:

“The additional tax cuts and public works spending that President Obama has proposed to spur job creation would add $100 billion to this year’s deficit, bringing it to nearly $1.6 trillion, according to an administration official.

“A deficit of that size for the fiscal year that ends Sept. 30 would be about $150 billion greater than last year’s deficit, which was the highest since World War II.

“Measured against the size of the economy, a $1.6 trillion shortfall would equal almost 11 percent of the gross domestic product. Economists generally consider annual deficits above 3 percent to be unsustainable.”

Entrepreneurs are now spending much more time with accountants in order to save money on taxes. This time comes at the expense of time that could be spent innovating and producing, which would increase tax revenues.

But what should you be doing? How can you save yourself from a bloated government that is coming after your money on all fronts?

Create Your Own Economic Stimulus Plan

You may not be able to personally control what the government does, but there are measures you can take to protect yourself from today’s government spending that will catch up with all of us in the future.

Specifically, if you have money trapped in government-sponsored and -controlled IRAs and 401(ks), you should use a strategic rollout to free that money up and put it into a much better plan.

The Missed Fortune asset optimization strategies provide tax-free growth, tax-free withdrawals, and tax-free transfer to your heirs.

They give you all the benefits of upside market growth, but none of the downside of market losses. Your principal is guaranteed to be kept safe, and you have full liquidity.

This explains why Missed Fortune clients haven’t lost a dime in this distressing economy.

Take ownership for your future by scheduling a free consultation with a Missed Fortune wealth advisor now.

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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When it comes to savings and retirement vehicles, the traditional rhetoric is that you should put your money into “qualified plans” like 401(k)s and IRAs.

brokenpiggybank 200x300 Should I Keep My Traditional IRA, or Convert to a Roth IRA?For years, Americans have been socking away their investment money in accounts like these, following the crowd, hoping it would ensure the nest egg they want for the future.

The recent economic downturn has all but thrown out the egg and the nest from many Americans’ 401(k) and IRA accounts. Some have lost thousands—others hundreds of thousands—from their traditional retirement accounts.

Missed Fortune Clients are Safe

There are other people, however, who haven’t lost a dime—in fact, they’ve increased their wealth over the past couple years.

What do they know that you don’t?

These people have followed proven but unconventional investment strategies like those described in the Missed Fortune book series.

They know that qualified plans are qualified by the government. And the government is expert at ensuring it gets its money one way or another.

With a 401(k), for example, your taxes may be deferred on the money you invest, but when you withdraw your money after age 59½, you will be hit with taxes.

Higher Tax Bracket During Retirement?

You may be surprised to find that most Americans are in as high—if not higher—of a tax bracket when they retire than they were before. Why?

  1. Many of them have paid off their homes, so they no longer benefit from the itemized deduction of mortgage interest.
  2. They also no longer have dependents living with them, so they lose that tax advantage, as well.
  3. And while they were able to postpone taxes during the contribution years, when they start to withdraw their money in retirement, most people find they end up paying back ten to twenty times the amount of taxes saved during their contribution years.

Taxing the Seed vs. the Harvest

If you were a farmer, which would you rather do: 1) save tax on the purchase of your seed in the spring, then pay tax on the sale of your harvest in the fall, or 2) pay tax on the price of the seed, then sell your harvest without any tax on the gain?

Most of us would rather purchase the seed with after-tax dollars and later sell the harvest tax-free. You can learn how to do this now.

Now would certainly be better than tomorrow, or next month, or next year. Your accounts (hopefully) will likely be worth more in the future. And your taxes (unfortunately) will likely be higher.

Wouldn’t you rather get your taxes over and done with now? Especially if your accounts have lost money in the economic downturn, then right now makes more sense than ever to ditch the 401(k) or IRA.

So is a Roth IRA a Good Idea?

What about Roth IRAs or Roth 401(k)s? Many people say these are better from a tax standpoint. Indeed, one of the touted advantages of Roth plans is that you use after-tax money when you contribute, with no taxes on the distribution and withdrawals.

Currently about 13 percent of all IRAs and 401(k)s are Roth, and Congress recognizes more and more people are becoming interested in them.

Why? More people are realizing they would rather get their taxes over and done with now, rather than later. So every so often, Congress makes it appealing for people to convert their traditional 401(k)s and IRAs to Roth accounts.

In 2010, for example, the government will allow you to convert your traditional accounts to Roth accounts and spread the taxes over two years.

This isn’t just generosity on the government’s part. It’s a chance for the government to generate revenue, because when you convert your traditional IRAs and 401(k)s, you pay taxes on that money you transfer.

Again, this is nice, but it’s not out of kindness. It’s just smart business on Uncle Sam’s part—he needs money, and he’s happy to take yours in the form of more taxes.

Safer, More Profitable Alternatives

There are better alternatives for your retirement savings that have all of the advantages that Roth IRAs and 401(k)s offer, but also a considerable amount more.

Consider strategically converting your traditional IRAs and 401(k)s to maximum-funded, tax-advantaged index insurance contracts rather than to Roth accounts. Using indexing strategies, you can protect yourself from losses and still participate in any upside potential during good years.

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What You Can Do To Help Yourself

fatbankereatingpie Sorry, Big Banks, But Sorry Doesnt Help UsWell, they said they were sorry. In a roundabout way.

The big banks whose risky behavior helped usher in the Great Recession recently stepped up to the mic to apologize for their actions, although they justified their conduct as seeming “appropriate at the time.”

These banks received more than $100 billion in assistance from the government. Make that $100 billion from the American taxpayers.

To help make sure that money is not lost, the Obama administration has proposed a “Financial Responsibility Fee,” which will tax the 50 largest financial institutions until the debt is repaid.

Of course, that proposal is already being challenged by the financial industry.

While the fate of that $100 billion may be in question, that’s hardly where the questions end. What about your financial fate?

Where are the best places to entrust your own money so that it will be safe and liquid when you need to access it? How can you position your money so it earns a rate of return? How can you protect yourself from future tax hikes that will surely be necessary to pay for current spending?

Are 401(k)s or IRAs the best place for your money? What about Roths? Annuities? Stocks?

The only retirement savings vehicles that offer liquidity, safety and a rate of return — while still being tax-advantaged — are maximum-funded, tax-advantaged insurance contracts.

Find your answers. Protect yourself so you never have to lose again.

And take steps that will lead to financial security, so you won’t be hanging on lame apologies from industry — or government — aristocrats in the future.

Isn’t It Time You Became Wealthy?

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missed fortune super blog itunes 150x150 Create Your Own Economic Stimulus PlanThis 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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It’s a new year, yet as the recession lingers, the financial news is same-old, same-old. One glance and the stories spell out the trouble:

“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.” – Fortune Magazine

“…little changed Tuesday as investors weighed a seesawing dollar, a slew of auto sales and reports on pending home sales and factory orders.” – CNNMoney.com

“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, an Associated Press tally showed Monday.” – Associated Press

What can you do to distance yourself from the uncertainty and make your financial future more certain?

You can invest in retirement savings vehicles that pass the “Laser” test:

Very few savings vehicles can pass all three of these tests. This is why it’s important to understand the advantages and disadvantages of traditional investments. And this is also why it’s important to learn how to optimize your assets to keep your money above the financial fray.

Maximum-funded, tax-advantaged insurance contracts are a proven way to plan for your retirement, helping ensure you don’t outlive your money.

Give yourself the good news of sound financial planning – no matter what bad news the economy may bring.

Isn’t It Time You Became Wealthy?

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missed fortune super blog itunes 150x150 The Power of OPM: How to Leverage Debt Safely & WiselyThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, January 12th 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 “Successful Equity Management.” You’ll learn how to maintain liquidity and 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.

Investors Losing Big with Small Returns

The New York Times recently published an article entitled “At Tiny Rates, Saving Money Costs Investors,” which reports that “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.”

This is particularly detrimental to the elderly and others on fixed incomes. As the article reports:

“Indeed, after fees are subtracted, inflation is accounted for and taxes are paid, many investors in C.D.’s, government bonds and savings and money market accounts are losing money.”

Of course, the traditional financial services industry will tell you that people need to take higher risks to get better returns.

As the article states, “People who rely on income from such investments for support, however, are being forced to consider new options.”

Unfortunately, most of the options people are considering are misguided and damaging.

Missed Fortune, however, provides the best option: Maximum-funded, tax-advantaged life insurance contracts which provide liquidity, guarantee safety of principle, while still producing a healthy rate of return that outpaces inflation.

Furthermore, with the right equity management strategies many elderly and Baby Boomers can discover financial security with their existing assets.

The Power of Equity Management

While people scramble to recover from the recession and explore new ways to build their retirement funds, many of them are sitting on the answer, but are completely unaware.

That answer is home equity.

Before the recession there was $19 trillion dollars of residential real estate, with about $10 trillion sitting as idle equity and no loans attached. After the recession that dropped to about $17 trillion, with at least $8 trillion unencumbered.

About 60% of this total belongs to Baby Boomers, which represents $4.8 trillion in lazy, idle equity.

However, many people are fearful to leverage equity because they think it increases their risk. While this can be true in certain circumstances, Missed Fortune provides a way for you to decrease your risk by leveraging your equity.

It’s exactly how banks operate. If we could educate more Americans to do this we could turn the economy around without federal stimulus spending.

Register now for our next webinar to learn how to become your own bank and borrow to conserve, not consume. You’ll learn how to safely leverage your home equity, maintain liquidity, and increase your rates of return.

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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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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missed fortune super blog itunes 150x150 No, Your Nest Egg is not Safe Again if its in 401(k)sThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, January 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 “The 401(k)/IRA Dilemma.”

You’ll learn the best alternatives to qualified plans, which provide liquidity, safety of principal, and a healthy, tax-free rate of return that outpaces inflation. You’ll also learn how not to lose when the economy is down.

Register now by calling 888-76-Radio (888-767-2346).

Just for registering you’ll receive a bonus e-book and audio book on the IRA/401(k) dilemma.

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

Ridiculous Reports from Traditional Financial Planners

Newsweek recently published an article by Linda Stern entitled “Is Your Nest Egg Safe Again?”. The story reports that large investment firms, such as Fidelity and Vanguard, have performed recent studies “showing that most workers have seen their retirement accounts recover to precrash levels…”

But why? According to the article:

“Both firms (Fidelity & Vanguard), which provide 401(k) accounts, reported that most of the workers in their programs now have more money than they did when the stock market started its slide in 2008. The primary reason, they reported, was that continued employee contributions helped to offset declines in balances.”

Huh?

In other words, these funds haven’t grown in terms of a rate of return! Financial services companies with vested interests are trying to pull the wool over your eyes by making you think that everything is okay with risky qualified plans.

Think about it: Your account is worth $100,000. The market tanks and you lose $25,000, so you’re left with $75,000. You then make an out-of-pocket contribution of $30,000, taking your account balance up to $105,000.

You’ve still lost and have not recovered from the $25,000 loss, yet according to large investment firms (which, of course, offer 401(k)s), your account is doing just fine.

To add insult to injury, these deceivers recommend that people nearing retirement age increase their risk to make up for lost time:

“At an age when they are typically told to eschew risk, older workers may need to take on a bit more investment risk in the hopes of snagging bigger returns going forward. People who are five years away from retirement should have 60 percent of their portfolios in stock, argues Christine Fahlund, a senior financial planner at T. Rowe Price.”

If you want to continue losing money, then stick with this advice. But Missed Fortune offers a much better and safer approach.

Escape the 401(k) Trap

Though they’re promoted heavily by the traditional financial services industry, 401(k)s are horrible accumulation vehicles, for the following reasons:

  • They tax your harvest, rather than your seed.
  • Contrary to traditional advice, your taxes will most likely be higher, not lower, in the future because you’ll have far less deductions.
  • The 10% withdrawal penalty prevents you from accessing the money when you need it most.
  • The accounts come with strict and constricting rules, such as mandatory withdrawal by age 70 and a half. If you don’t meet the guidelines you could be subject to a 50% penalty.
  • The accounts are subject to estate taxes, meaning that your heirs could be left with as little as 28% of your account balance when you die.

You need to escape this trap now while taxes are less than they’ll ever be. The Missed Fortune asset optimization strategies provide a way for you to roll your money out of qualified traps and into accounts that solve all the problems of 401(k)s.

Click here to get started now.

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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