RETIREMENT
I have information that could benefit you and your family forever, and let me tell you something, if you don't know this information, you and your family could be in dire financial jeopardy.

I have been in the insurance business for almost 15 years. I've conducted over 2500 interviews with folks helping them put a plan in place to protect their family or business from financial uncertainty. When you meet with that many people, hopefully you learn something along the way. I've seen some great successes that folks have had as well as some mistakes that were made and I'd like to share some of what I've learned with you.

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How much is your house really worth?

Everything seems to be changing lately, doesn't it? Real Estate is not what it used to be. I recently talked to a friend who purchased a house for $300,000. He was excited about his purchase because the house was selling for $600,000 just a few years ago. I thought, what if his new house doesn't go above $300,000 for quite some time, if ever? Would it still be a good deal? Should we rely on building up equity in our homes to supplement retirement income like we used to do? Is that a thing of the past?

The Stock Market

The stock market has made a recovery over the past year, but is this due more to government intervention than to sound fundamentals that will sustain solid growth for years to come. Quantitative Easing (printing money) is responsible for some of the growth that we've seen. But what if this second round of the Federal Reserve pumping billions into our money supply leads to runaway inflation? Inflation is a stealth tax on the American people.

What about the Unemployment Rate?

Unemployment is officially listed somewhere around the 10% level. But the government is not counting those that have had their unemployment insurance run out and have simply stopped looking for work. The real unemployment is closer to 17%.

Can We Depend Solely on Social Security?

Social Security has not had a cost of living increase in the last two years. By the government's own estimate, Social Security will pay out more than it takes in by 2016. I'm sure that seniors will continue to get their checks, but the current path that we're on is unsustainable. Do you think that benefits will go down or taxes will go up, or some combination of the two?

The Future of Medicare and Medicaid

Unfunded liabilities of Medicare, Medicaid and prescription drug costs are approaching $100 trillion dollars. Do you think our government, can meet these obligations under the current tax levels. Could taxes be higher in the future?

I Don't Have a Crystal Ball, but...

Do you think there will be more or less volatility in the coming years? Do you have a plan in place that can help you benefit from the good volatility and protect you from the bad?

Here is what the strategies I offer are designed to do for you:

  • Keep your money safe, even in volatile times.

  • Make it possible for you to receive a competitive return on safe money.

  • Defer taxes.

  • Provide guaranteed lifetime income.

I've never lost one dime of interest or principal of my client's money due to a downturn in the market and I don't intend to start with you.

Would it be worth a conversation to see how these strategies can put guarantees and peace of mind in your retirement?

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Bubbles, bubbles and more bubbles.

Bubbles pop for a reason and they are very difficult, sometimes impossible to restore. I've made a list of some of the issues we're facing in our country and the world that could result in the popping of some new bubbles.

1. Social Security
2. Medicare
3. Medicaid
4. National debt
5. Health care reform entitlement legislation
6. Oil price increases
7. Health care costs
8. State, county and city pensions
9. State, county and city health care costs
10. Municipal debt defaults
11. Food cost inflation
12. Inflation of the money supply
13. Personal mortgage defaults
14. Corporate loan defaults
15. Fannie Mae and Freddie Mac
16. College education costs
17. Natural disasters
18. Acts of Terrorism
19. Infrastructure costs – highways, bridges, etc.
20. Derivatives
21. Unemployment
22. War and defense
23. Continuing deficits
24. Commercial Real Estate Loans

Do you think there will be more or less volatility in the coming years? Do you have a plan in place that can help you benefit from the good volatility and protect you from the bad?

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