Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, April 23th 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..

Tax Hikes Are Just Beginning

The Tax Policy Center is reporting that roughly 77% of American households will pay more this year in taxes. This is due, in part to the agreement Congress passed on New Years Day in order to avoid the fiscal cliff.

Here’s why this is so. A number of Bush era tax cuts were temporarily extended, while others were allowed to expire. It was reported that the tax hikes in the legislation would only affect those with incomes of $400,000 a year or more. But the bill’s true impact goes well beyond that.

Even if Congress goes the rest of the year without another tax hike, virtually taxpayer is still paying another $500-$1,000 more in taxes this year.

This bill supposedly saved 99% of Americans from a tax hike, but we’ll all be paying more because the Social Security payroll tax cuts were allowed to expire. This is a roughly $1,000 tax increase to workers making $50,000 a year.

FICA and Medicare withholding all the way from 4.2% back up to 6.2%. This means that most Americans will experience a 50% increase in the amount withheld from their checks for Social Security and Medicare.

Other fallout included increases in capital gains and dividends for high income earners such as married couples filing jointly and earning over $70,000 annually and single earners making more than $35,000. The capital gains increased from 15% to 20%. And, finally, there was a phase out of the itemized deductions and the addition of a health care surtax of 3.5% that went into effect on all investment income.

While the higher income earners are taking it on the chin, every income earner is noticing that they are paying more in taxes this year.

The fiscal cliff may have been avoided, but serious issues like the debt ceiling and spending cuts were never even addressed. This means that economic uncertainty will continue for now.

This is prompting many Americans to consider what is happening to their taxes and to explore what they can do to immunize themselves from the effects of future tax increases.

Tax Hike Immunity Is the Answer

What if the prospect of Congress raising taxes was something you could simply shrug off as irrelevant? How would it feel to know that your retirement money was immune from tax hikes and continuing market volatility? Would you sleep a little better at night knowing that you had taken the steps to protect it?

People who are keeping their retirement money in IRAs and 401(k)s will not have this luxury. This is because their money is being accumulated in a tax-deferred vehicle that will subject them to those anticipated rising tax rates the moment they begin taking their distributions.

Not only will they be facing almost certain higher tax rates, but they’ll also have fewer deductions to offset their tax liabilities. Their homes will have been paid off; their dependents will have left the nest, etc. It’s entirely possible that many retirees will find themselves paying more in taxes during retirement than they did during their working years.

They’ll also be dealing with the effects of rising inflation that is shrinking the purchasing power of every dollar they’ve saved.

And with their retirement savings in an IRA or 401(k), their nest egg will be exposed to the economic uncertainty and market volatility that has been so common for the past 10 years.

On the other hand, there are people who have learned how to get their money out of their IRA or 401(k) through a strategic rollout, pay their tax debt now at the lower rate and get their money safely into a vehicle where it can accumulate tax-free from then on.

They’ve learned how to beat the ravages of inflation by tying their returns to those things that inflate. And they’ve learned how protect every dime of their principal through indexing strategies that allow them to participate in every market upside, but protects them during those years when the market declines.

Immunity from higher taxes, rising inflation and continuing economic uncertainty is a result of learning and applying the right strategies and a conscious refusal to keep following the herd.

Take the essential first step and visit with a wealth architect today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, April 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 “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..

Where the Crowd Goes Astray

Most people are conditioned to follow the crowd. This is especially true in how we approach saving for our retirement.

If we perceive that most people are putting their money into 401(k)s or IRAs, then we assume that these must be the ideal ways to save. In this case, however, there is no real safety in following the crowd.

The problem is that few people understand the difference between accumulating money in a tax-deferred account rather than in a tax-free vehicle. But it’s not just laypeople that don’t understand this distinction. Even tax attorneys and financial advisors are often unaware of truly tax-free methods to accumulate money.

Upon hearing the words “tax-free”, many people suppose that we’re referring to some sort of tax loophole that could be closed by Congress at any moment.

But the tax-free vehicle we’re talking about is no loophole. It is a perfectly legal tool for accumulating money tax-free and it has been grandfathered into the IRS code for over 100 years. Congress considers it such a sacred cow that it’s the only thing excluded from funding Obama’s health care law.

Once you understand that tax-free savings is possible, you’ll recognize that while the crowd’s preferred method of saving for retirement may be okay, it’s not the best way to save. People just don’t know what they don’t know.

The remedy is to empower yourself with knowledge. Then you’ll understand exactly how to create a dream solution that allows your retirement nest egg to accumulate tax-free.

At retirement, those who saved in tax-deferred vehicles like IRAs and 401(k)s will find that unpaid taxes will consume anywhere from a third to half of their savings. They’ll also face the prospect of being in an even higher tax bracket than they were in throughout their working years.

Lacking the deductions they used to enjoy and with higher tax rates looming, many people may outlive their retirement savings. When this happens, the fact that they went with the crowd won’t make any difference.

But it doesn’t have to be this way.

What Your Savings Vehicle Should Do

There’s still time to position your nest egg for a brighter future.

Ideally, you’ll want to have your serious money in a savings vehicle that provides some key protections. It will need liquidity for the times when you need to access your money. It should also provide safety for your principal so when the economy goes down your principal does not. Additionally, in those years that the market grows, your increase must become newly protected principal.

Your savings vehicle must also earn predictable rates of return. People who have broken with the crowd and found the optimal vehicle have been enjoying rates of return averaging 9.2% while netting 8.2% for the past 38 years. Even more impressive is the fact that they’ve continued to outperform other savings vehicles over the last 10 years—the worst decade since the Great depression.

They’ve learned how to rebalance and to use indexing to enjoy even better rates of return.

These are some of the benefits for breaking with the crowd and becoming educated about these alternatives that have existed for decades. Folks who do this arrive at their goal of financial independence much quicker. They also have much more money to show for their efforts.

For every million dollars they can generate up to $70,000 tax-free annual income that will last as long as they do without depleting their principal. And at the end of the day, this principal transfers tax-free to their spouse, their children or any other worthy cause they prefer.

On the other hand, folks who leave their money in IRAs and 401(k)s will have reason to kick themselves down the road.

Even if that’s where your money is today, you can get it out today with the least tax impact possible and roll it over into a vehicle where it will accumulate tax-free from that day forward. By linking your money to those things that inflate, you’ll no longer have to worry about inflation shrinking the purchasing power of your savings.

The only thing standing between you and that brighter future is the decision to step up and learn these strategies.

Start by visiting with a wealth architect today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, April 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..

Lessons From Cyprus

The government in Cyprus recently sought to seize a certain percent of their citizens’ bank accounts in order to stave off national bankruptcy. The original plan to bailout their national economy was to levy a 6.75% tax on all bank accounts with up to 100,000 Euros and a 9.9% tax on accounts above that threshold.

When the president of Cyprus called upon their parliament to pass this measure, it sparked a run on the banks and further destabilized the entire 17-member European Union.

The impact almost instantly ricocheted into the global financial markets which shows how truly connected these markets can be.

This unprecedented action should have people everywhere considering what they can do to better protect their money from such acts of desperation.

There is a powerful lesson here for those who are paying attention and it’s that the days of the economic markets going endlessly upward are gone. People who are keeping their serious future money in IRAs and 401(k)s are counting on the Dow Jones or other indexes to start an extended period of growth. They’re going to be in for a rude awakening if they believe that the upward spiral of growth from the 1990s is going to return.

The question you should be asking yourself is “what am I doing to protect my serious cash?”

This is the time to be considering what’s known as a strategic rollout that will move your retirement money out of that 401(k) or IRA. This way, instead of putting off those taxes for some future perceived advantage when you think you may be in a lower tax bracket, you get those taxes over and done with. Then you get your money into a vehicle where it can safely accumulate tax-free from that day forward.

The strategies that make this possible have been safely grandfathered into the IRS code for well over 100 years. They are perfectly legitimate and, most importantly, they work.

Breaking Free From the Crowd

Those who will enjoy a brighter financial future are the individuals who consciously choose to take ownership of their futures instead of relying upon the government to take care of them in their golden years.

There are good ways, better ways and best ways to prepare for retirement. At one time the IRA and the 401(k) were each considered a good way to save for the future. But this is no longer the case. Not only do you face the prospect of higher taxes by the time you reach retirement, but also as we see in the case of the nation of Cyprus, the world markets are still subject to unpredictable behavior.

If you think that you’re safe because your money isn’t in the bank but is instead in the market, it’s still in great potential danger from economic uncertainty.

Even Roth IRAs, which were considered a better way than a standard IRA, can no longer be thought of as the best way to build a retirement nest egg that enjoys liquid assets safely earning a predictable rate of return.

The bottom line is that there are better ways to save and to enjoy tax-free income in your retirement.

With the right strategies, you can sleep soundly at night knowing that regardless of who may be raising taxes, no matter what is happening in the markets, you don’t lose money.

In 2008 when the market in America dropped 40% for the second time in a decade, a lot of people were bewildered. The $100,000 that they had in their retirement accounts was now only worth $60,000. Every $1 million they had socked away was now only worth $600,000 and many felt that they had lost their future.

On the other hand, folks who understood and used the Missed Fortune strategies were not troubled because they didn’t lose a dime of precious principal. Better still, when the markets did experience growth, these folks got to participate in the upside immediately.

That’s what you need to be doing. You need to protect your money from higher taxes, rising inflation and ongoing market uncertainty.

Learn exactly how to do this by visiting with a wealth architect today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, March 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 “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 First Tax Hikes Are Already Being Felt

As of January, we’ve just seen the first major tax increase in nearly 20 years for high-income earners. But all of us are feeling the pinch caused by the expiration of the payroll tax cut on employee FICA and Medicare withholding. Those rates jumped from 4.2% back up to 6.2%. This effectively means that most Americans are seeing a nearly 50% increase in the amount withheld from their checks for Social Security and Medicare.

There were also noticeable increases in capital gains and dividends for high-income earners like married couples that file jointly and earn over $70,000 annually. This also affected single earners making more than $35,000. The capital gains increased from 15% to 20%. And, finally, there was a phase out of the itemized deductions and the addition of a health care surtax of 3.5% that went into effect on all investment income.

This realization of higher taxes is causing many Americans to take notice of what is happening and to think about what can be done to immunize themselves from the effects of future tax increases.

Many of them are choosing to abandon the tax-deferred vehicles like IRAs and 401(k)s where they’ve been saving for their retirement and doing a strategic rollout that repositions their nest egg where it can accumulate tax-free.

People who have chosen to keep their retirement money in IRAs and 401(k)s will not have this luxury. This is because their money is being accumulated in a tax-deferred vehicle that will subject them to those anticipated rising tax rates the moment they begin taking their distributions. If this wasn’t enough, they’ll also be wrangling with the effects of rising inflation that is steadily shrinking the purchasing power of every dollar they’ve saved.

Immunity from the triple whammy of higher taxes, rising inflation and continuing economic uncertainty comes from learning and applying the right strategies and not simply following the herd.

Tax-Advantaged Growth Is the Way To Go

Would it surprise you to know that DALBAR is reporting that most mutual fund investors have only averaged 3.49% during the past 20 years? Not only is that a dismal rate of return, but also whatever money they did accumulate was taxable.

Those who have invested the time and effort to become educated understand that the best way to avoid higher taxes, market volatility, and rising inflation is to utilize the strategy of indexing in maximum funded tax-advantaged life insurance contracts.  It’s how they can maintain liquid assets while safely earning predictable rates of return.

Facing the prospect of tax hikes, some folks are moving their retirement savings away from tax-deferred accounts like IRAs and 401(k)s. Many use a strategic rollout to reposition their nest egg to a vehicle where it can grow tax-free. These maximum funded tax-advantaged Insurance contracts that have been grandfathered into the IRS code for generations. In them, your money grows tax-free, transfers tax-free when you access it at retirement, and is tax-free when it goes to your heirs at the end of your life.

To understand the difference this tax-free growth makes, consider the following question.

If you had a $500,000 nest egg in your IRA or 401(k) 12 years ago, is it worth $1.5 million today? If the answer is “no” then it’s time to pay close attention.

Because that’s the kind of growth that was accomplished in maximum funded insurance contracts.

There’s a reason that affluent people and banks and corporations put their tier 1 assets in Bank Owned Insurance Contracts and Corporate Owned Insurance Contracts. They maximum fund it and take the minimum death benefit for the tax-free accumulation and growth.

There’s no shame in not knowing what you don’t know. But if what you always thought to be true turned out not to be true, how soon would you want to know about it? If you’re serious about eliminating the dangers of rising taxes, you need to understand what even many professionals do not.

Learn how to take charge of your future by visiting with a wealth architect today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, March 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 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..

Your Pocketbook Isn’t Lying

According to the Tax Policy Center, roughly 77% of American households will pay more in taxes this year thanks to the New Years Day agreement Congress passed to avoid the fiscal cliff.

There are several reasons this is will happen. Some of the Bush era tax cuts were extended temporarily, but others were allowed to expire. The media is reporting that the tax hikes in the legislation will only affect those earning higher incomes of $400,000 a year or more. But this is only part of the bill’s true impact.

Even if Congress goes the entire year of 2013 without another tax hike, virtually taxpayer will be paying another $500-$1,000 more in taxes this year than last year.

Even though this bill supposedly saved 99% of Americans from a tax hike, we’ll all be paying more since the Social Security payroll tax cuts have been allowed to expire. That will amount to a roughly $1,000 tax increase to a worker making $50,000 a year.

Everybody is experiencing the expiration of the payroll tax cut on employees FICA and Medicare withholding which jumped from 4.2% back up to 6.2%. This effectively means that most Americans will see a nearly 50% increase in the amount withheld from their checks for Social Security and Medicare.

There were also increases in capital gains and dividends for high income earners such as married couples filing jointly and earning over $70,000 annually and single earners making more than $35,000. The capital gains increased from 15% to 20%. And, finally, there was a phase out of the itemized deductions and the addition of a health care surtax of 3.5% that went into effect on all investment income.

The bottom line is that the higher income earners are really taking it on the chin but every income earner will notice they are paying more in taxes this year.

Though the fiscal cliff may have been avoided, serious issues like the debt ceiling and spending cuts were never even addressed. This means that economic uncertainty will not be going away any time soon.

This realization is prompting many Americans to key in on what is happening to their taxes and to ponder what they should be doing to immunize themselves from the effects of future tax increases.

Putting Your Future In Hands You Can Trust

With taxes headed higher, some folks are choosing to move their retirement savings away from tax-deferred accounts like IRAs and 401(k)s. Many use a strategic rollout to reposition their nest egg to a vehicle where it can grow tax-free. An example of such a strategy would be Maximum Funded Tax Advantaged (MFTA) Insurance contracts that have been grandfathered into the IRS code for generations.

Not only does your money grow tax-free, but also it transfers tax-free when you access it at retirement and when it goes to your heirs at the end of your life.

To understand the difference this tax-free growth makes, consider the following question.

If you had a $500,000 nest egg in your IRA or 401(k) 12 years ago, is it worth $1.5 million today? If the answer is “no” then it’s time to pay close attention.

Because that’s the kind of growth that was accomplished in maximum funded insurance contracts.

There’s a reason that affluent people and banks and corporations put their tier 1 assets in Bank Owned Insurance Contracts and Corporate Owned Insurance Contracts. They maximum fund it and take the minimum death benefit for the tax-free accumulation and growth.

That is where many people doubled and tripled their money during the worst decade since the Great Depression while most people in America barely broke even with their money in mutual funds

If you’re serious about taking control of your future and eliminating the dangers of rising taxes, you need to understand what even many professionals do not. There’s no shame in not knowing what you don’t know. But if what you always thought to be true turned out not to be true, how soon would you want to know about it? Most of us would say sooner than later.

Take the first step toward your brighter future by visiting with a wealth architect today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, February 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 “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..

Stop Standing In Your Own Way

One of the most searching questions that we can ask ourselves is this one: If something you’ve always thought to be true turned out to not be true or accurate, would you want to know about it sooner or later?

Sometimes the answer isn’t simply about something being true or not, but between good, better, and best. This is of great relevance regarding how a person chooses to save for retirement.

Good could mean saving for the future in IRAs or 401(k)s where your money is exposed to the volatility of the market and running out of money in 7-11 years after retiring.  Best could mean taking that same net spendable income and creating a nest egg that you could never deplete even if you lived to be 120 years old.

This is why it is so important to understand the difference between good, better, and best. There’s an old saying that goes, “When you’re standing in your own way, what does it matter what other obstacles you face?”

When it comes to your retirement, the major obstacles include higher taxes, market volatility and rising inflation. But simply knowing about these obstacles isn’t enough, you’ve got to get into motion and become educated as to how to remove them from your path to a brighter future.

The sooner you get going, the sooner you can move toward your dream. Even a decade can make all the difference in the world when you’re moving toward your goal at a steady clip. Those who put off taking action tend to kick themselves later when they realize what they could have had.

The Difference Between Important and Urgent

When we refer to the time value of money, we’re talking about the costs associated with putting things off today that could make a huge difference in the future. Every month that we fail to take steps to immunize our retirement savings from the effects of inflation, higher taxes and market volatility, can cost us tens of thousands of dollars in long-term benefits in the future.

If you had a water leak that was costing you $100,000 every 90 days, would you not consider that an urgent matter to address, or would you only consider it important?

Many people have the equivalent of tax leaks, inflation leaks, and market volatility leaks in their retirement savings, but they don’t yet realize what those leaks are costing them in the long run.

The threat of possibly outliving their money, or paying unnecessary taxes, seems far off in the future. But those who fail to act will see the long term cost in lost resources if they continue to procrastinate.

It doesn’t matter if you are in a low income, middle income, or high income situation; taxes are going up for everyone. Political leaders are finally beginning to admit that their unwillingness to rein in spending means that they’ll have to extract more revenue from the taxpayers. This means that taxes are certain to rise.

They’ve already taken a small jump for everyone with the hike in FICA rates just since the first of this year. And more hikes are on the way.

While we each should pay our fair share, we should also understand that there are perfectly legitimate ways to direct otherwise payable taxes into causes that are important to us.

These are sections of the IRS code that have been around for more than 100 years. Other tax laws change, but these have been grandfathered in and provide a savings vehicle where you are immunized from the effects of higher taxes.

Your money will accumulate tax-free. It will be tax-free when you access it at retirement. And at the end of your life, it will transfer to your family, your church, or your favorite cause, tax-free.

When you are immunized against the effects of higher taxes, rising inflation, and the effects of market uncertainty, you can enjoy liquid assets safely earning a predictable rate of return that will safely carry you through your golden years.

Making this a reality requires action. The first step is to visit with a Wealth Architect today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, February 19th 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..

Reality Can Be Stubborn

It’s revealing that there are still members of Congress who try to portray the skyrocketing national debt as anything other than a spending problem.

They claim that it’s really a “paying back problem” rather that what it really is. This means that there are members of Congress who do not believe that government spending is irresponsible and out of control. It also means that our current $16 trillion debt will continue to grow and will likely top $20 trillion by the time Obama leaves office.

When Congress treats the national debt as a “paying back problem” it can only mean that they are looking to extract more money from the taxpayers in order to pay that debt. This can only mean that Congress will be raising taxes.

Even when Congress supposedly avoided the so-called fiscal cliff in January, nearly every working American saw their FICA taxes go up by almost 50%. The higher income earners, the employers, and those who create jobs were deliberately targeted as needing to pay more in taxes as well.

The bottom line is that more people will be paying more in income taxes unless they are willing to take the necessary steps that can make them immune to tax hikes.

This is not a matter of evading taxes; it is a matter of redirecting otherwise payable taxes into causes you support by utilizing longstanding sections of the IRS code.

These sections of the tax code are completely legitimate and have been in place for over 100 years. They have been used for generations by the affluent as a means of accumulating their money tax-free. This, in turn, means that they will be able to provide for themselves in their golden years and not have to depend upon the government to support them.

If you want to do what they have been doing successfully for many decades, you must know how to best take ownership of your future.

What You Must Know About Taxable Income

Those who have invested the time and effort to become educated understand that the absolute best way to avoid higher taxes, market volatility, and rising inflation is by indexing in maximum funded tax-advantaged life insurance contracts.

This is the way to maintain liquid assets while safely earning predictable rates of return.

Since tax reforms enacted back in 1986, there have been only three types of income that are subject to income tax on your 1040 tax return form.

There is earned income that refers to wages you earn. Then there is passive income that is derived from rent or leases or the like. Finally, there is portfolio income which is the income you earn from interest, dividends, and money you pull out of IRAs or 401(k)s.

That last one should get your full attention. Many people don’t realize that the money they withdraw from their tax-deferred savings vehicles like IRAs and 401(k)s is fully taxable as income. This means that they’ll be paying roughly a third of their retirement nest egg to Uncle Sam in the form of taxes, plus facing the prospect of even higher tax rates since they’ll no longer have the deductions they once had.

Some folks will find themselves in a higher tax bracket than when they were working and may face an even bigger rude awakening by possibly outliving their retirement savings.

Even those who have saved their money in municipal bonds or CDs or mutual funds may find that their rate of return is so low that they too will outlive their money.

If their money was accumulating in a tax-free vehicle, protected from market volatility and tied to the things that inflate when inflation goes up, they could rest easy knowing that they are immune from the effects of higher taxes, inflation and economic uncertainty.

This is where Missed Fortune strategies can make all the difference.

It all starts with becoming educated, and that starts by visiting with a wealth architect today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, February 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 “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..

No Safety In Numbers

When it comes to saving for retirement, most people prefer to follow the crowd. We think that if most people are putting their money into a 401(k) or an IRA, then they must be the best ways to save. But in this case, there is no safety in numbers when following the crowd.

One reason for this is that few people understand the difference between accumulating money in a tax-deferred account rather than in a tax-free vehicle. And they’re not alone. It’s shocking how many tax attorneys and financial advisors are unaware of how to accumulate money that’s truly tax-free.

Often when people hear the words “tax-free” they suppose that this refers to a tax loophole of some sort that Congress will soon take action to close.

But we’re not talking about a loophole. It is entirely possible, and perfectly legal, to accumulate money in a tax-free manner that has long been grandfathered into the IRS code for over 100 years. In fact, it’s likely the only thing excluded from funding Obamacare.

Once a person realizes that tax-free savings is possible, they understand that while the crowd’s preferred method of saving for retirement is popular, it’s far from the best way to save. But a lot of people don’t know what they don’t know.

The idea here is to empower yourself with knowledge. To understand how to create a dream solution that protects your money by allowing your retirement nest egg to accumulate tax-free.

Those who go the tax-deferred route will find, upon reaching retirement, that the taxes they must pay will devour anywhere from a third to half of their savings. A further complication that many will face is the dismal prospect of being in a higher tax bracket than they were in during their working years.

Without the deductions they used to enjoy and with higher tax rates looming, many people may outlive their retirement savings. The fact that they went with the crowd will be little consolation.

Fortunately, you have alternatives.

Break With the Crowd and Prosper

Whether you’re currently saving for retirement in an IRA, a 401(k), or a Roth IRA, there’s still time to position yourself for a brighter future.

Ideally, you’ll want to have your serious money in a vehicle that provides some key protections. It must have liquidity for those times when you need money. It should also provide safety for your principal so when the economy goes down your money is protected. This means that not only do you not lose money when the market goes down, but in those years that the market grows, your increase become newly protected principal.

Finally, this vehicle must earn predictable rates of return. People who have broken with the crowd and found the correct savings vehicle have been enjoying rates of return averaging 9.2% while netting 8.2% for the past 38 years. What’s even more impressive is that they’ve continued to outpace other savings vehicles during the last 10 years—the worst decade since the Great depression.

They’ve also learned how to rebalance and to use indexing to enjoy even better rates of return.

There are real benefits for breaking with the crowd by becoming educated about and implementing these alternatives that have existed for decades. Folks who do this arrive at their goal of financial independence much quicker. They also have much more money to show for their efforts.

For every million dollars they can generate up to $70,000 tax-free income that will last as long as they do without depleting their principal. Best of all, at the end of the day, your principal transfers tax-free to your spouse, your children, your church or whatever worthy cause you’d prefer.

If you knew that this alternative was available to you, why wouldn’t you do it?

Those who leave their money in IRAs and 401(k)s will have reason to kick themselves down the road.

But even if that’s where your money is today, you can get it out today with the least tax impact possible and get it into a vehicle where it will accumulate tax-free from that day forward. By linking your money to those things that inflate, you’ll no longer have to worry about inflation shrinking the purchasing power of your savings.

The only thing standing between you and that brighter future is the decision to take ownership and learn these strategies.

Start by visiting with a Missed Fortune advisor.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, January 29th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern). The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees will receive $997 worth of valuable gifts, including a customized LASER Retirement Brief, The Success Formula audio program, and access to The Secrets to a Tax-Free Retirement event..

An Asset You Shouldn’t Overlook

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

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

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

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

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

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

The Best Bank In Town

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

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

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

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

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

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

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

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

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

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

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet Tuesday, January 15th 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..

Everyone Gets To Feel the Tax Increases

We’ve just seen the first major tax increase in nearly 20 years for high-income earners. But they’re hardly the only income earners that will be affected by the 2012 Tax Relief law passed on New Years Day to avoid the so-called fiscal cliff.

For example, the estate tax, which kicks in after both a husband and wife pass away will now go up from 35% to 40% for higher income people. There was also an increase in the top ordinary tax rate from 35% to 39.6% for the people making the most money.

But everybody gets to experience the expiration of the payroll tax cut on employees FICA and Medicare withholding which jumped from 4.2% back up to 6.2%. This effectively means that most Americans will see a nearly 50% increase in the amount withheld from their checks for Social Security and Medicare. It’s a noticeable difference.

There were also increases in capital gains and dividends for high income earners such as married couples filing jointly and earning over $70,000 annually and single earners making more than $35,000. The capital gains increased from 15% to 20%. And, finally, there was a phase out of the itemized deductions and the addition of a health care surtax of 3.5% that went into effect on all investment income.

The bottom line is that the higher income earners are really taking it on the chin but every income earner will notice they are paying more in taxes this year.

This realization has prompted many Americans to pay closer attention to what is happening to their taxes and to what they should be doing to immunize themselves from the effects of future tax increases.

Many of them are choosing to abandon the tax-deferred vehicles like IRAs and 401(k)s where they’ve been saving for their retirement and doing a strategic rollout that repositions their nest egg where it can accumulate tax-free. This is where some are choosing to use Maximum Funded Tax Advantaged (MFTA) Insurance contracts that have been grandfathered into the IRS code for generations. Not only does the money grow tax-free, but also it transfers tax-free when you access it at retirement and when it goes to your heirs at the end of your life.

For those hearing about this option for the first time, it’s natural to have some questions.

Why Maximum Funded Insurance Contracts Make Sense

A common objection for people who are not familiar with MFTA is that they’re not aware of it performing well as a retirement savings vehicle. Fair enough, here’s a simple question: In the last 12 years, did you triple your money tax-free?

In other words, if you had a $500,000 nest egg in your IRA or 401(k) 12 years ago, is it worth $1.5 million today? If the answer is “no” then it’s time to pay attention.

Because that’s the kind of growth that was accomplished in maximum funded insurance contracts.

There’s no shame in not knowing what you don’t know. But if what you always thought to be true turned out not to be true, how soon would you want to know about it? Most of us would say sooner than later.

If what you always thought to be the best way to save for your future, for your retirement, and for your kids’ college, turned out not to be the best way, when would you want to know? When would you want to know the best way?

Conversely, what if what you thought wasn’t the best way to save for your future turned out to be the best way?

There’s a reason that affluent people and banks and corporations put their tier 1 assets in Bank Owned Insurance Contracts and Corporate Owned Insurance Contracts. They maximum fund it and take the minimum death benefit for the tax-free accumulation and growth.

That is where many people doubled and tripled their money during the worst decade since the Great Depression while most people in America barely broke even with their money in mutual funds. According to DALBAR, most mutual fund investors have only averaged 3.49% during the past 20 years. Worse still, whatever money they did accumulate was taxable.

If you’re serious about taking control and eliminating the dangers of taxes, you need to understand what even many professionals do not.

Start by visiting with a Missed Fortune advisor.

Bonus Missed Fortune E-Book: Baby Boomer Blunders The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg. Download this e-book now at www.babyboomerblunders.com.