Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, October 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 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 Warning Signs

The economic skies continue are darkening. While the warning signs are plain to those who are watching, many don’t yet recognize what those storm clouds mean.

When the Congressional Budget Office says most middle income Americans will be paying roughly 29.6% more in income tax in the next two to three years, you’d be wise to pay attention. The Bush tax cuts are set to expire at the end of this year and if that happens, it won’t just be the rich who feel the sting of higher taxes.

In addition to rising taxes, inflation will be higher than it has been for the past 20 years. And market volatility and uncertainty will be coming along for the ride as well.

The good news is that there are proven solutions for weathering tough economic times, but first, there are a few key principles that you must understand if you are to put them to work for you.

One is the marvel of compound interest. If we were out playing golf and were to bet 25 cents on the first hole and then double that bet for each of the next holes, the bet on the final 18^th hole would be $32,768. This is the power of compounding at work.

To truly realize the miracle of compound interest, there is another aspect to this marvel that must be understood; the compounding must take place in a tax-favored environment.

This means tax-free accumulation and not simply tax-deferred such as in an IRA or 401(k). Tax-free will mean 50 to 100% more money than if you defer those taxes to a later time, especially with tax rates on the rise.

Remember than a single dollar, doubling every period for 20 consecutive periods, will increase to $1,048,000 but only if it’s tax-free. That same dollar doubling for 20 consecutive periods in a taxed-as-earned environment like a CD, a savings account or mutual fund will only grow to $27,000. That’s a big enough distinction to justify learning how to get your money accumulating in a tax-free environment.

Even with a million dollar nest, if you’ve deferred taxes such as in an IRA or 401(k), the IRS will be appropriating at least a third of your money in taxes. That leaves you with just $660,000 that you can actually spend. And that’s not even taking the effects of inflation into account.

Too many Americans mistakenly assume they’ll be in a lower tax bracket after they retire, but later find out that they’re actually paying a higher tax rate than during their peak earning years. This is because most no longer have the deductions they enjoyed.

The bottom line is that you can have more net spendable income by using a tax-free vehicle than if you use a tax-deferred one

The Nest Egg You Won’t Outlive

There are two general categories in which most people tend to accumulate their money, either in their retirement savings like IRAs or 401(k)s or in real estate. But few of them manage these methods as well as they could. They’re not foolish; they simply don’t know what they don’t know.

What if, for every $500,000 that you could accumulate for your retirement, you could have a million instead? Who’d rather have twice as much without having to come up with a dime more?

Most Americans tend to follow the crowd and save for their retirement in vehicles like 401(k)s and IRAs. They send extra principal payments to the mortgage company like their financial advisors tell them to do. When they do this, they are missing out on a fortune.

They could be enjoying double or even triple the amount if they’ve saved by redirecting otherwise payable taxes into more productive causes. They don’t have to be super rich to benefit from this. The truth is that most Americans are wasting anywhere from $6,000-$10,000 each year this way. That’s money that’s going to waste.

When you learn to identify this money that’s being wasted and you put it to work with compound interest in a tax-free environment, it could mean an extra one to two million dollars in your nest egg. And every million dollars that you add to your retirement savings vehicle could provide you with an extra $60,000-$100,000 a year in tax-free retirement income.

That’s big news for those who don’t wish to outlive their retirement savings. They would be wise to learn these Missed Fortune strategies.

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.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, September 18th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern). The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees 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 Forecast Calls for Higher Taxes

The economic forecast isn’t encouraging. The Bush tax cuts are set to expire at the end of this year and new taxes will likely be levied in order to shore up increased government spending. To put it bluntly, taxes are headed higher than ever. These tax hikes will affect every U.S. taxpayer, not just the rich.

The Congressional Budget Office predicts that middle income Americans will be paying about 29.6% more in income tax in the next few three years than they paid just last year. But there’s more bad news in this forecast.

Inflation will be higher than it has been for the past 20 years. And market volatility and uncertainty are also expected to continue.

Before we examine into the best likely solution for riding out tough economic times, we must understand a few key principles.

The first principle is the marvel of compound interest. If you were playing a round of golf and you bet 25 cents on the first hole and then progressively doubled that bet for each of the next holes, your bet on that final 18^th hole would be $32,768. This is the miracle of compounding at work.

But in order for the wonder of compound interest to be fully realized, there is another marvel we must understand. This compounding should take place in a tax-favored environment. This means that the money grows tax-free instead of simply tax-deferred such as in an IRA or 401(k). Tax-free can mean 50 to 100% more money at retirement than if we put off paying those taxes to a later date where we anticipate being in a lower tax bracket. This is a big gamble, especially with tax rates on the rise.

Remember that a single dollar, doubling every period for 20 consecutive periods, can grow to $1,048,000 but only if it’s tax-free. That same dollar doubling for 20 consecutive periods in a taxed-as-earned environment like a CD, a savings account or mutual fund will only amount to $27,000. That difference alone should justify learning how to start your money accumulating in a tax-free environment.

Even if you build up a million dollar nest, with deferred taxes, like those in an IRA or 401(k), the IRS will be claiming at least a third of that money in taxes. That leaves you with just $660,000 that you can actually spend. And remember, that’s not even taking inflation into account.

Too many Americans assume they’ll be in a lower tax bracket after they retire, but then find out that, without the deductions they once had, they’re paying a higher tax rate than during their peak earning years.

The bottom line is that you can have more net spendable income by using a tax-free vehicle than if you use a tax-deferred one.

Stop Making the Same Mistakes

There are six common mistakes that cause people to miss out on money that they could have been putting toward 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.

Among the key flaws with many of these approaches is that they lack liquidity, safety of principle, tax-free growth, and a predictable rate of return.

Folks who plan on waiting until age 70 and a half and then taking minimum distribution in order to save on taxes are in for a rude awakening. They’re not saving on their taxes; you’re simply postponing and delaying the inevitable. Such a strategy will dramatically increase the amount of taxes they’re going to pay in the end.

They 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 the mortgage company is not a safe or liquid way to go. Those who do this are earning a zero rate of return by using this approach. Likewise, those who have a 15-year mortgage may be making a $100,000 mistake.

To get better results than you’re currently getting requires being willing to learn and apply the proper strategies to make that happen.

Visit with a Missed Fortune advisor today to learn more.

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 this coming Tuesday, May 8tht 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 Creation of Generation Gimme

Recently Fox Business News interviewed a professor of economics at Valencia College. This professor generally asks his incoming students to write a short essay about what the American dream means to them and to outline what they expect government to do for them.

Out of 380 students, only about 10% stated that they’d like to have fewer taxes and less government interference in their ability to go out as entrepreneurs and create opportunity. They wished only to reap the fruits of their labors and to enjoy the rewards that resulted from their hard work and willingness to take risks.

Nearly 90% of the students expressed a desire to have government take care of them by providing education, health care, jobs, and money for purchasing their homes as well as funding their retirements. They had no qualms about having government tax the rich people and then spread that money out amongst the rest of society.

The professor was flabbergasted, but he also recognized a teaching moment when he saw it. The next day, he asked all of the students to place their purses and wallets on a table in the classroom where he promptly removed all of their cash. The professor then informed his students that he too had a dream of building a cabin and owning a yacht but would need other people’s money to realize his dream.

The class was predictably outraged until the professor pointed out their apparent willingness to subject others to the same type of legal plunder.

So where does this attitude of Generation Gimme originate? The professor theorized that it is the result of how these young people were taught to think from kindergarten through twelfth grade. What’s even more disturbing is how many adults tend to think this same way and how that has contributed to the financial mess we find ourselves in as a nation. We’re clearly seeing the costs associated with people trying to live off of the efforts of others and how it affects our own tax burden.

Personal Responsibility Trumps Dependence

The national debt in the last 5 years has risen from $9.2 trillion to $15.7 trillion. This year marks the first time the national debt has exceeded the Gross Domestic Product (GDP). This milestone is the clearest indicator yet that, as a nation, we are in real trouble.

We’re in the middle of a crucial window in which a person can move their serious retirement money into a tax-free vehicle before tax rates are hiked even higher. Tax-deferred vehicles are proving to be a terrible retirement strategy primarily because people continue to find themselves in even higher tax brackets at retirement than they were in while they were working.

The real scope of the problem ahead of us becomes even clearer when considering the nearly $121 trillion in unfunded liabilities that government has promised to pay out in Social Security and Medicare benefits. The bottom line is that people who count on the government to provide for them at retirement are going to be deeply disappointed when the coffers turn out to be empty.

The solution is to take ownership of your future and to create your own economic stimulus plan.

Coincidently, “How To Create Your Own Economic Stimulus Plan” is the name of a very timely e-book that can teach you six simple tactics that make all the difference. You’ll also learn how to harness the power of three miracles:

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

Learn how to protect yourself, your family, and your future using sound and proven strategies. Visit 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, April 3rd 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.

Capitalism Shouldn’t Be a Dirty Word

It’s ironic that the enemies of capitalism are the very same folks who gave it its name. They used the term as an epithet to describe the practice of capitalizing on another person’s needs and wants at their expense. A better description for capitalism would be cooperation.

This is where you create value that I’m willing to pay for and, in turn, you use my services and by so doing, we both provide for our own families and create economic growth and wealth.

Somehow, even today, a mindset exists among many politicians that capitalism or free enterprise is an evil thing. This is in spite of the fact that this very system has allowed America to create unprecedented prosperity, innovation and technological advancement.

Official antipathy toward capitalism has allowed special interest groups to shape government policies that are based in the mindset of scarcity. This is especially true regarding oil, coal and other energy sources. These policies also have led to profligate government spending which has grown our national debt from $9.2 trillion just 3 years ago to over $15.5 trillion today. Economic uncertainty is the predictable result of such thinking and such policies.

While many experts and commentators are trying desperately to predict what may be coming next, there are a few who can face the future with confidence no matter what it may hold. These are the people who have learned and implemented the Missed Fortune strategies that allow them to capture any market upside when the economy grows, but also protects their principal from loss when the market declines. Given the choice, wouldn’t you rather face the future with certainty?

Head In the Right Direction No Matter What Government Is Doing

With the economic stimulus spending of the past 3 years, our government has spent roughly $3.6 trillion and has plans to spend another $1 trillion trying to spend its way out of a recession. To put that into perspective, with just 20% of the $3.6 trillion that’s already been spent, there would have been enough money to hire every single unemployed person in the country and employ them for two years with a $50,000 a year salary.

Instead, unemployment rose from 7.2% to over 10% and has now settled at around 9.2%. Back in the 1970s, the great economist Milton Friedman was correct when he said, “When Congress tries to spend its way out of a recession, it just doesn’t work. We end up with bigger debt and we keep having this heavy load.”

Even with bold moves like the reforms proposed by Chairman of the Congressional Budget Office Paul Ryan which would make substantial reductions in government spending to balance the budget, there is no easy fix. It will take years and even bolder moves to reduce spending before our country can begin to move in the right direction.

No matter what government does, you need to be headed in the right direction economically.

There are several ways you could be doing this. For instance, if you own real estate, your equity should be in a more protected place than in the real estate itself. This way it can earn rates of return more than double the interest rate on the mortgage. If you’re keeping your serious money in an IRA or 401(k) there are better vehicles in which your money can accumulate tax-free, is liquid, and also distributes tax-free. Those individuals who keep their money in a tax-deferred IRA or 401(k), stand a very good chance of outliving their retirement nest egg within 7 to 11 years.

With a strategic rollout, they could safely move that money into an account that is protected from market volatility and rising taxes from that day forward. These are just a couple of the reasons that Missed Fortune clients are able to face the future with confidence.

If you’re ready take ownership of your financial future, your next step is to meet 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, March 27th 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.

Taking Action Before The Bush Tax Cuts Expire

When the Congressional Budget Office issues a report, it’s worth taking notes.

A recent report titled “Deficit Estimate for 2012 Hiked to $1.2 Trillion” is the latest confirmation of the government’s severe fiscal problems.

While the official CBO forecast predicts the deficit decreasing to just 1 percent of the size of the economy in a few year, that estimate is counting on increased revenue due to the expiration of the Bush tax cuts. When those cuts go away, the tax increase will affect income, investments, large estates and families with children.

If you don’t take action before the end of this year to protect your money against the impact of higher taxes, you’ll likely regret it. This is especially true if you still have your money in tax-deferred accounts like IRAs and 401(k)s.

The CBO has also extended its estimates for the costs of President Obama’s health care law out to 2022. That law is now expected to cost 2 to 3 times more than the original $900 billion it was supposed to cost.

These findings further punctuate the likelihood of higher taxes being close at hand. When those higher tax rates combine with higher inflation and continuing market uncertainty, you need solid strategies to protect your retirement nest egg.

One of the Missed Fortune strategies that has worked exceptionally well through volatility of the Lost Decade is known as Indexing. The indexing strategy allows you to indirectly participate in any market upside during years when the economy grows, but also protects you from any losses during down years.

This is a critical advantage when considering that the so-called lost decade saw 5 years where the market grew, but also 5 years where it declined. Two of those years saw the economy fall more than 40%. With indexing you eliminate the loss years. To illustrate how important that is, consider that if you eliminated all of the loss years in the history of the stock market and only captured 25% of the gain years, you’d still outperform the market.

How Banks Make Money

It’s no secret that real estate markets have their cycles with ups and downs. Anyone one who has seen the equity in their home decline may wonder how exactly a person could continue to make money under such circumstances. The answer is that they must keep their equity separated and liquid where it can safely earn a predictable rate of return.

To understand how this works, you first must understand how banks make their money. When banks borrow money from the Federal Reserve or from us, we put money in a bank where they pay us 1 or 2 percent interest. The bank, in turn, loans that money out at 4 percent interest. You’d think they’re only making a 2% return, but if they loan out a million dollars, they’re making $40,000 per year in interest which is a 100% return on the money they borrowed at a rate of $20,000 per year.

This translates into an infinite rate of return because they are making that return on money that doesn’t even belong to the bank. If you can understand this concept, then you’ll understand how it translates into becoming your own banker.

If you have a $1 million or a $100,000 in real estate equity and you’re borrowing that money at 4% but getting a predictable 8% rate of return, you’re getting that infinite rate of return. By keeping the equity separate and liquid, it’s unaffected by fluctuating property values and can continue to earn interest at a higher rate than the cost of the interest you’re paying to borrow it.

Many financial advisors don’t know teach this strategy, because they simply don’t know about it.  But now you do and you can put it to work along with the other Missed Fortune strategies that will allow you to sleep soundly at night with no fear of higher taxes, inflation or market volatility.

Contact a Missed Fortune advisor today to learn more.

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, March 20th 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.

Alleviating Persistent Financial Pains

It’s not just the Baby Boomers who need help taking ownership of their financial future.  Whether you’re already wealthy or simply trying to sock away a few hundred dollars a month toward a brighter financial future, each of us can benefit from the right kind of financial knowledge.

For instance, most of the people who lay awake at night worrying about that future are the very same folks who still believe that the best way to save is in an IRA or 401(k).

The truth is, there are far better ways to build up your retirement fund than using one of these tax-deferred accounts.  A tax-free vehicle is a wiser choice, especially when considering the Congressional Budget Office’s prediction of taxes going higher in the near future.

Other things that cause pain and concern for our financial futures include a higher inflation rate and continuing market uncertainty.

If these have been concerns for you, it’s time to ask yourself: What have you been doing about it?

Putting your head in the sand is not an option.  The only way to alleviate the pains that are troubling you, is to learn the information that allows you to mitigate the problems associated with higher taxes, inflation and market uncertainty.

One resource that has helped many people make the meaningful transition from a “broke Boomer” to a “blazing bloomer” is Doug Andrew’s New York Times bestselling book “Last Chance Millionaire.”

In 14 enlightening chapters, “Last Chance Millionaire” will teach you how to remove the obstacles to your future financial well-being.

For example, Chapter two will teach you the top 10 Baby Boomer blunders that, once corrected, can enable you to earn 50 to 100 percent more for your retirement than any IRA or 401(k) can provide due to their tax-deferred status.  You’ll learn how you can get out of debt more quickly.  Hint: it doesn’t involve sending extra payments to the mortgage company.

Chapter three will teach you how to take ownership of your retirement instead of waiting for the U.S. government to take care of you.  Social Security should be the bonus and not the basis of your retirement income.

Chapter four will help you understand the three marvels of wealth accumulation:

• Compound interest
• Tax-free savings
• Safe positive leverage

Chapters six, seven and eight will give you new insights on real estate and how to use it to your advantage.  Chapter nine shows you how to sprint toward retirement using tax-smart alternatives including the strategic rollout that moves your serious money from an IRA or 401(k) to where it can accumulate tax-free.

Chapters ten, eleven and twelve give you insight into how to choose investments that pass the Liquidity, Safety, and Rate of return test.  It’s a scorecard for stocks, bonds, annuities, maximum-funded insurance contracts, etc., that will help you choose those that offer the greatest advantages and lowest risks.

It’s stunning how many financial advisors; CPAs, and tax attorneys don’t yet understand most of these principles.

“Last Chance Millionaire” will also introduce you to strategies that will teach you how to liberate your self from the IRA and 401(k) trap with no tax consequences.  No one wants to consider the consequences of outliving their retirement money, but many will because of what they don’t know.  With the information contained in this book, it doesn’t have to be you.

The bottom line is, you don’t have to keep dealing with the pain and uncertainty that many people are feeling about their financial futures.   You just need the know-how to always maintain liquid assets, safely earning returns.

Learn more today by contacting 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 this coming Tuesday, February 21st at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern). The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

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

A Book With Answers for Your Financial Future

If market volatility, inflation or the prospect of higher taxes have been causing you anxiety, you need to know that there are solutions to these problems.  If you’re worried that retirement will find you a “broke boomer” instead of a “blazing bloomer”, there’s a book you need to read.

Doug Andrew’s New York Times/Wall Street Journal best-seller “Last Chance Millionaire” will empower you and teach you how to remove the obstacles that stand in the way of your future financial well-being.

In Chapter 2, you’ll learn about the 10 most common baby boomer blunders including the belief that tax-deferred accounts or an IRA or a 401(k) are the best way to sock away money for retirement.  “Last Chance Millionaire” will show you that these accounts may not be the best way while teaching you strategies, vehicles and methods that provide 50-100% more retirement income.

Another baby boomer blunder regards how to best get out of debt.  Let’s be clear, it’s not by sending extra principal to your mortgage company.  You’ll learn how to get out of debt much smarter and much safer while learning how to become your own banker.

Chapter 3 will help you see the value of taking ownership of your retirement instead of depending upon the government to do it for you.  Social Security and Medicare should be a bonus, not a basis for your retirement income.  This chapter will also show you how to alleviate the kind of losses many people experienced during this last decade.

With the indexing strategy you’ll learn how many people have managed to double or even triple their money during the worst decade since the Great Depression.

In Chapter 4, you’ll come to understand the three marvels of wealth accumulation including compound interest, tax-free saving, and safe, positive leverage can boost your net worth.  You’ll also learn how to liberate yourself from IRAs and 401(k)s if you’ve painted yourself into a corner.

Using a strategic rollout, you can spring yourself from the IRA/401(k) trap and transfer up to $60,000-$80,000 per year with no tax consequence.

In Chapters 6,7, and 8 you’ll get powerful information on real estate management, real estate equity, and how harness the power of safe, liquid equity as well as how money really works.  You’ll learn how to become your own banker and how the key to your own retirement may be sitting under your own roof.  You’ll never view your finances the same way again.

Better Results Require Better Strategies

The dangers of taxes, inflation and market volatility and economic uncertainty have the potential to affect each of us financially.  But, with the right knowledge, you can eliminate these dangers and move confidently toward your financial future.

Many of these strategies are not widely known in financial circles.  It’s no exaggeration to point out that 90% of financial advisors don’t know some of the best tactics for protecting their clients’ money.

But when you have been shown what you did not previously know, you’ll understand that it’s entirely possible to see your money grow no matter what the economy is doing.  With indexing strategies you benefit from any market upside, yet you don’t lose precious principal during down years.

Do you realize that in the last 60 years of stock market history, if you eliminated 100% of the down years and only captured the gains of 25% of the up years, you’d still have done better than having your money in the stock market?

Did you know that by linking your returns to the things that inflate, it actually helps you rather than hinders you when inflation goes up?

By saving your serious money in a vehicle that allows it to accumulate, distribute and transfer tax-free, you enjoy far greater predictability in your retirement income.

These are just a few of the strategies understood and practiced by Missed Fortune clients.  They are the key to peace of mind amidst the economic uncertainty today and a secure, financial future down the road.

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, February 7th 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.

Good Habits & Prudent Investments

Many investors, over the past 10 years, have seen their retirement nest egg lose, on average, nearly 40% of its value.  Why do they keep doing what they’ve been doing?

When people continually put their retirement money into 401(k)s and IRAs where taxes are deferred, they do it with a perceived future tax benefit in mind such as being in a lower tax bracket when they reach retirement.

Many choose to keep their money in the volatile market, expecting to ride out the ups and downs while waiting for the economy to recover enough to regain their losses.

But the future reality is that most will be facing higher taxes rates at a time when they have fewer deductions to offset their liabilities.

Those who’ve been willing to make necessary changes in the way they save for retirement can expect to achieve different results.  For example, thousands of Missed Fortune clients have chosen to use a strategic rollout to safely move their money from their 401(k) or IRA.

By doing this, they pay the applicable taxes today and then move those retirement funds into a vehicle where their money can accumulate tax-free from that day forward.

These are the people who’ve learned to utilize indexing strategies that indirectly link their money to market performance in such a way that they don’t lose a dime when the market goes down yet they benefit from any upside immediately.   Is it any wonder they don’t lose sleep at night no matter what the market is doing?

They’re simply applying proven principles and getting very different results from when they were simply following the crowd.  They have confidence in the future and peace of mind.

They’ve learned that liquidity, safety, and rate of return–in that order–are the hallmarks of a prudent investment.  These three ingredients combine to form the acronym LSRR (Laser) that is familiar to Missed Fortune clients everywhere.

If you have them, chances are that you’re watching your money grow safely year after year. When potential investments are lacking any one or more of them, you’d be wise to reconsider.

Sadly, most of the popular investment strategies advocated by many advisors fail the Laser test miserably.  You must understand how each potential investment stacks up in order to avoid choosing poorly.

Comparing Yourself To the Wealthy

What’s the difference between you and the super wealthy?  Not as much as you might think.

Fans of horse racing will especially appreciate this object lesson.

The Arlington Futurity racecourse is a mile and an eighth in length.  The winning horse may cross the finish line a mere head’s length before the second, third or even fourth place horses.  That’s a difference of just 1/3000^th of a second.  If the winning horse beats the others by a nose length the difference is only 1/72,000^th of a second.

The point of this observation is that, in most ways, the horses are quite evenly matched, and end result of the race comes down to those who recognize an opportunity and go for it.

There is a terrific lesson in this for anyone who wishes to utilize the Missed Fortune strategies.

Applying that same principle to the truly wealthy among us, we find that a clear majority of them didn’t just inherit their wealth—they worked for it and earned it.

So many Americans fail to  understand the miracles of wealth accumulation.   Too often, their financial advisors don’t recognize these marvels either.  A follow-the-herd mentality prevails as they leave their clients’ money at risk in the market in hopes of regaining their losses.

The first marvel of wealth accumulation is compound interest.  Albert Einstein referred to it as “the most misunderstood phenomenon on the planet.”  If you were to take a standard sheet of copy paper and you were able to fold it in half 50 times, how thick would it be after doubling in thickness each time?

The answer is a staggering 93 million miles.

If you were to take a single dollar and double it for 20 consecutive periods, it would total $1,048,000.   But, it this is only possible when that compounding interest accumulates tax-free.  If it’s taxed as earned, that same dollar will only be worth $27,000 at the end of that same 20 consecutive periods.

This brings us to the second miracle of wealth accumulation—tax-free accumulation.   If your million-dollar nest egg is sitting in an IRA or 401(k), it’s not really worth a million dollars.  Uncle Sam will be looking for his cut in taxes, which in most states will amount to about 1/3 of your money.

When you consider the prospect of taxes going up for the average middle income American over the next decade, it’s essential that your money accumulate in a tax-free environment.

The third miracle of wealth accumulation is that of safe, positive leverage.  If Donald Trump were to go shopping for a skyscraper, he wouldn’t just write out a check for the full amount.  Instead, he’d put the least amount down possible.  And then he’d try to borrow whatever he put down back out as soon as possible.

The idea here is to keep from having too much of your money tied up in your assets.  If you’re borrowing money for your business or for real estate at 4% and you can predictably earn a rate of return of 8%, you now have the potential for an infinite rate of return.

It’s like hiring an employee for your business for $40,000 per year who turns around and earns your business an extra $80,000 per year.

These miracles are understood and practiced by the super wealthy thrivers among us.  When you understand them and apply them along with the Missed Fortune strategies, you’ll see that you have more in common with the super wealthy than you thought.

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, January 31st 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.

Setting Intentions for a Better Financial Future

One of the great benefits a new year brings is the opportunity to improve our individual situation from the previous year.

Some people choose to seize that opportunity by setting goals pertaining to weight loss, stopping smoking, or accomplishing new ambitions.  The key to realizing a brighter future always hinges upon doing certain things different than they were done previously.  If we persist in doing things as they’ve always been done, we cannot expect to get a different result.

A good example of this can be found in how a person goes about taking ownership of their financial future.

Too many people have persisted in habits like following the crowd and continuing to put their retirement money into 401(k)s and IRAs where taxes are deferred.  They do this with some perceived future tax benefit in mind such as being in a lower tax bracket when they reach retirement.

They stubbornly keep their money in the market where it is most vulnerable to economic volatility and they ride out the ups and downs waiting for the market grow enough to regain their losses.

But the future reality they’re more likely to encounter will include higher taxes rates at the precise time that they have the fewest deductions to offset their liabilities.  It’s entirely possible that they’ll end up paying higher taxes than they did when they were earning more.

The past decade has been especially tough on those whose retirement nest egg lost, on average, nearly 40% of its value.

On the other hand, those people who are willing to make necessary changes in the way they do things will get different results than they did before.  For instance, thousands of Missed Fortune clients have learned how to use a strategic rollout to safely move their money from their 401(k) or IRA.

By doing this, they pay the applicable taxes today and then move those funds into a vehicle where their money accumulates tax-free from that day forward.

They learn to use indexing strategies that indirectly link their money to market performance in such a way that they don’t lose a dime when the market goes down yet they benefit from any upside immediately.   People who’ve implemented our indexing strategies sleep soundly at night with zero stress over what the market may be doing.

They’ve taken the time to learn and apply proven principles and they get very different results from when they were simply following the crowd.  This brings confidence in the future and peace of mind.

Three Things Investors Must Know

There are three critical components to a prudent investment.  When potential investments are lacking any one or more of them, you’d be wise to reconsider.

The three essential ingredients of a prudent investment, in order of importance, include:

• Liquidity.  This is a primary concern whether it involves your serious cash that you’re earmarking for retirement.  In simple terms, liquidity means your money is accessible when you need it and isn’t tied up in your real estate, your IRA or anywhere else that you cannot get to it.
• Safety.  The safety we’re looking for is not just of an institution, but also safety of principal.  It’s not enough to simply protect the principal that you invested initially.  In addition, any year that you make money, your gain should also become newly protected principal that also continues to grow tax-free.
• Rate of Return.  A predictable, safe rate of return that is tax-free is the ideal.

These three ingredients combine to form the acronym LSRR (Laser) that is familiar to Missed Fortune clients everywhere.  In order to choose the best investments that pass the Laser test with flying colors, you need to understand how the various investments stack up.

The sad truth is that most of the popular investment strategies advocated by many advisors fail the Laser test miserably.  Liquidity, safety, and rate of return–in that order–are the hallmarks of a prudent investment.  If you have them, chances are that you’re watching your money grow safely year after year.

If you don’t yet have them, it’s time to visit with a Missed Fortune advisor and learn how to put them to work for you.

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.