Tuesday, September 16, 2014

Get Retirement Protection Before the Next Market Correction

I recently read an article in The Wall Street Journal that answers the question, "What are the top two things a person can do to avoid the retirement income & savings  crisis?" Here are those top two:

• Make retirement income protection planning a priority and
• Automate - free yourself from the stress of deciding how much income to take and from which account to take it.

Financial advisors used to make a lot of the "three legged retirement stool." Those three legs were defined as: Social Security, defined benefits pension plans and personal savings. But things have changed. While most  of the people reading this will receive some form of Social Security how much they receive depends a lot on how they initially file for benefits. Defined pension plans have been eliminated by most companies and, of those plans that still exist, most no longer provide cost of living adjustments. Finally, studies show that most people who have managed to save for retirement, have not saved enough.
 
So, the three legged stool is now just a two legged stool. Unfortunately, government over-spending and low savings rates have made both of those remaining legs rather short. But there is good news in all of this; many people miss between $200,000 to $300,000 in Social Security income benefits simply because they're unaware of the optimal filing strategies available to them. The other bit of good news is that there's a hybrid retirement savings strategy that allows us to enjoy up-side market gains and retirement principal protection for our both our savings and our earnings.
 
Learn the new rules of retirement. Discover little-known filing strategies that will increase your Social Security income benefits and learn how you can design your own Personal Protected Pension Plan™ Register and attend our educational webinar this coming Tuesday and see how our clients protect, save and distribute a lifetime of tax-free retirement income.
 
Be sure to register now, while there is still some space available. Just go to www.LearnHowToRetireNow.com. To meet the demand, we now offer our Tuesday educational webinars at 3:00, 7:00 & 10:00 PM Eastern time.

Thursday, September 11, 2014

Know When to Hold 'Em, Know When to Fold 'Em

I just want to briefly share my worries regarding: new market highs, economic surprise and what I term, "media lies." What I'm referring to here are lies about the state of our economy and the future of the stock market. The situation reminds me of that Kenny Rogers song, The Gambler.

But is the retirement crises overblown? Bankrate.com reports 14% of Americans age 65 and above and 25% of Baby Boomers ages 50-64 have not saved a single penny towards retirement. I believe that a greater concern is that those who have saved for retirement have not saved nearly enough.

The market is looking more like a gambling casino these days. One camp is saying, "Let's keep putting money in the market because there's no end to this run up in sight." Another camp will not move out of low yielding cash. Who is right?

What if you could have the best of both worlds? Imagine, being able to enjoy upside gains without the risk of downside losses. You can have this best of both worlds solution. Let us show you how.

Register now to attend one of our educational webinars that are held every Tuesday. Learn how to get the retirement savings you need SAFE from losses and even taxes!

Learn how to create a Personal Protected Pension Plan™ while there is still some space available for next Tuesday's events. Register right now at
www.LearnHowToRetireNow.com. To meet the demand, we now offer our Tuesday educational webinars at 3:00, 7:00 & 10:00 PM Eastern time.
 
www.LearnHowToRetireNow.com

Monday, August 18, 2014

What Do People Fear More Than Death?


This week on Hidden Wealth Radio, I share an article from The Wall Street Journal reporting that 61% of people in a recent survey reported they fear running out of money in retirement more than they fear death. Folks, the truth speaks for itself; the U.S. and European economies performed worse than was expected. Even the German economy, powerhouse of the Euro Zone, contracted during the second quarter of this year.

 

Add to this the other recent report in The Wall Street Journal that 7,000 people will retire every day for the next 15 years and what you have is a long-term declining market and a sluggish economy. That's not a promising recipe for creating a lifetime retirement income.

 

But, it doesn't have to be that way. There are strategies available to you that don't allow your money to be lost to the market. Safety, security and stability will not be found by following what has worked in the past.

Learn how our clients create a tax-free retirement income that they cannot outlive. Stop worrying that you will run our of money before you run out of life. This coming Tuesday, I will be teaching an educational webinar on how to build a lifetime retirement income. Register now while there's still space available. Go to: www.LearnHowToRetireNow.com and enter the required information.  In order to meet the demand, we offer our educational webi nars on Tuesday at 3:00, 7:00 & 10:00 pm Eastern time.


Wednesday, July 16, 2014

THE HIDDEN WEALTH SYSTEM AND CELEBRITY BASKETBALL COACHES TEE OFF TO SUPPORT NATIONS OF COACHES




Nations of Coaches will host its 3rd Annual Celebrity Golf Classic presented by The Hidden Wealth System by Chuck Oliver on Wednesday, July 16th, 2014 at The River Golf Club, North Augusta, SC
The 5-man scramble will kick off on Wednesday, July 16 at The River Golf Club in North Augusta, South Carolina. Celebrity coaches include Final Four coaches Roy Williams, Tubby Smith, Bobby Cremins, and Gregg Marshall, Hall of Famer, Cazzie Russell, Murry Bartow, Dugger Baucom, Brad Brownell, Larry Hunter, Murray Garvin, Corey Williams, Frank Haith, Frank Martin, Ray McCallum, Byron Samuels, Ron Hunter & Bob Hoffman.

The Celebrity Golf Classic will be a great opportunity for Nations of Coaches and coaches to link arms to support a great cause - Laces 4 Love Ministry at First Baptist Church North Augusta. A portion of the proceeds of the Celebrity Golf Tournament will be presented to Laces4Love which provides free shoes for underprivileged children in the area beginning with those in head start programs.


ABOUT NATIONS OF COACHES
Working within a framework of Christian principles, Nations of Coaches strives to see coaches, their families, and all those whom they influence powerfully impacted for the glory of God. NOC equips, encourages, and mentors coaches for their careers and in their relationship with God. It is NOC’s passion to help lead coaches into greater success in their sport and in their faith walk.
To learn more about Nations of Coaches, please visit:
http://www.nationsofcoaches.com


ABOUT THE HIDDEN WEALTH SYSTEM The Hidden Wealth System™, provides unique wealth building strategies that ensure that their clients’ financial safety, liquidity and potential are secured. The Hidden Wealth System’s aim is to optimize resources, protect opportunities and enable clients to discover and uncover their hidden wealth. The Hidden Wealth System™ teaches clients how to safely and predictably earn over 8% tax-free in the worst decade since the great depression. The system emphasizes the importance of building your own Personal Protected Pension Plan™ for retirement peace of mind.

To learn more about the Hidden Wealth System by Chuck Oliver, please visit http://www.thehiddenwealthsystem.com


ABOUT CHARLES D. OLIVER
Charles D. "Chuck" Oliver is an industry recognized Wealth Architect and best-selling author who works with retirees and those who are about to be retired and their families that are uncertain about planning in and for retirement. Their concerns center on taxes, market risk, and the possibility of out-living their income.

Chuck is a member of the Top of the Table, an organization recognizing the top half of one percent of insurance and financial advisors worldwide. Chuck Oliver has been a guest on financial radio talk shows, a contributor to financial publications as well as a guest speaker at advanced financial planning events across the country.

Monday, July 14, 2014

Don't Let the Global Economy Ruin Your Retirement Dreams


It might seem absurd that an investor in Florida (or anywhere else in the United States) could have his retirement plans sidetracked by activity that takes place on the other side of the world. But in today’s inter-connected global economy, that’s a very realistic concern. The US economy depends on manufacturing from China. Europe is highly dependent on the Middle East for oil. Stock prices in Tokyo are influence by the inflation of the US dollar.


In short, whether we like it or not, our economic fate is very closely tied to the rest of the world. Lately, as signs indicate that the global economy may be in serious trouble, investors have reason to be worried.
A Reuters article reports on some of these troubling indicators:
Another month of slower factory activity in China and a sharp decline in a closely watched gauge of U.S. manufacturing on Thursday added to concern about the state of the global economy.
Surveys also showed business activity across the 18-country euro zone slowed this month, confounding expectations of an acceleration.
U.S. stocks edged higher, however, as investors continued to shrug off tepid data while stocks in Europe recouped earlier losses, though sentiment remained fragile.
Investors were also concerned about minutes of the Federal Reserve’s most recent meeting, released on Wednesday, which showed the U.S. central bank was set to keep winding down its stimulus spending despite recent softer economic data.
“While we expect the recovery to continue during the course of this year, the market remains volatile in the near-term as investors are nervous on the back of the U.S. tapering story,” Henk Potts, equity strategist at Barclays Wealth, said, "Fears that the U.S. economy had lost some momentum in the new year after a strong finish to 2013 were reinforced by a decline in the Philadelphia Federal Reserve Bank’s business activity index to -6.3 from 9.4 in January." A reading above zero indicates expansion in the region’s manufacturing.


What happens if the global economy falls back into recession? Are your investments structured to protect you from the volatility that would follow? If not, the simple truth is that you have placed your financial future in the hands of men and women you’ve never met in countries you probably haven’t visited. If that makes you uncomfortable, do something about it!


Are you protected from the threat of global economic volatility? Would a global recession sink your retirement dreams?
Let us show you how trademarked Personal Protected Pension Plan™ reduces your vulnerability to market risk, as well as your exposure to taxes and inflation. We eliminate market risk; in the last decade, NONE of our clients have lost a single dime in the market. Prior gains can’t be lost, either.  This is why our clients have averaged over 8% during the worst economic downturn since The Great Depression.


Don’t leave your retirement dreams in the hands of people on the other side of the world. Take action! To learn more, please visit www.HiddenWealthWebinar.com.

Tuesday, July 8, 2014

Inflation Heating Up Across The Globe: Is Your Retirement Income At Risk?

As the world struggles to recover from the Great Recession, governments have done everything they could think of to get the economy moving again. One of these strategies was to pump the marketplace full of cash – basically by printing money. It may have worked in the short term, but it’s a very dangerous long-term game with potentially devastating effects for retirees. Now, the consequences seem to be catching up to us as the threat of inflation rises.


MarketWatch.com article reports:
Inflation is not just heating up in the U.S. Price pressures are growing globally, according to a research note from J.P. Morgan.
The brokerage powerhouse says its global inflation index jumped to 2.6% in May from 2.1% in February on a year-over-year basis. That’s where J.P. Morgan expected the pace of inflation to end up by year end. And the firm’s core inflation index, which strips out food and energy, has climbed to 2.1% from 1.8% a few months ago.


What’s surprising, J.P. Morgan economists say, is that the increase in inflation is not mainly due to higher food and energy prices. They say the sudden uptick in inflation suggests that companies are “regaining some pricing power.” In other words, companies around the world are able to pass the higher costs of doing business onto their customers by charging more.


What would happen to your lifestyle if it cost $10 for a gallon of gas? If your portfolio isn’t protected against the corrosive power of inflation, your future is at risk. As if that wasn’t bad enough, the Obama 2015 Budget Proposal plans to overhaul many retirement benefits. Learning about these changes now could be the difference of hundreds of thousands of dollars. Learn from my newly released book What To Do At 62 – How To Have a Protected Retirement Income Plan. Simply register for our new educational webinar at LearnHowToRetireNow.com


Inflation is a serious threat, and it’s growing worse every day. It’s more important than ever that you have a solid retirement plan – and we can help. We will reduce your vulnerability to market risk, as well as your exposure to taxes and inflation. We eliminate market risk; in the last decade, NONE of our clients have lost a single dime in the market. Prior gains can’t be lost, either.  This is why our clients have averaged over 8% during the worst economic downturn since The Great Depression.
Inflation is every investors worst nightmare. Take action to protect yourself today. To learn more, please visit LearnHowToRetireNow.com.

Thursday, July 3, 2014

How to Think About Investing When Prices Are High


In a recent article in The Wall Street Journal, titled, “The Surging Market: Too Late to Buy?” Brett Arends writes about the current market trend and how this is affecting the behavior of investors. The author invites investors and potential investors to think about how they think about the market.

 

As the stock market surges to new highs, those who missed a lot of the rise have been rushing to jump on board. Most people find it very hard to resist a crowd and, in today’s market, it can seem like everybody is making easy money except you.

 

What's the best strategy to get in on this action? Should you even try to get in on the action? Here are a couple of the key steps that Brett suggests the average investor should follow:

 

1. Don't get stampeded

"Be fearful when others are greedy, and greedy when others are fearful," advises Warren Buffett, the most successful investor in history. Remember, the market is never so dangerous as when everyone else is optimistic. People often engage in a circular argument that stocks must be a good investment because they have already risen a long way. The reality could be quite different, Fund firm GMO, which correctly predicted the market drops in 2007 and 2009, says that the outlook for stocks is the worst since 2007.

 

2. Have a plan

The stock market is inherently volatile. Even when it has generated superior returns it has done so unevenly. Many investors plunge into the market after a boom, only to sell again in panic when prices fall. Historically, the risks of investing in the market decline the longer you stay invested in the market. Invest in stocks only with money you don't expect to need for four or five years.

 

At The Hidden Wealth System™ we teach you how to protect yourself from the next market correction or crash so that you can avoid the market volatility. The best way to do this is to have the money that you cannot afford to lose to the market in a place where it participates in the market when it goes up, but not when the market goes down. Learn how to protect your most valuable assets the way that the largest banks and corporations do, register and attend one of our educational webinars. For over two decades, we have taught our clients how to avoid losing their retirement savings to inflation, market losses and taxes. Let us show you how to build an inflation-protected, tax-free retirement income for life.

To register for our webinar, simply go to www.LearnHowToRetireNow.com