Thursday, August 8, 2013

Could a Housing Market Hiccup Ruin Your Retirement?

The economy has been showing signs of improvement lately—although the recovery is certainly taking place at a much slower pace than all of us hoped for.

One of the critical pieces of economic recovery in this country is the health of the housing market. Unfortunately, there have been signs recently that the housing market may not be as strong as it has seemed. Naturally, the media hasn’t focused on this issue; doesn’t fit their narrative of recovery.

It is important to see beyond the media hype, and to draw conclusions based off the facts, not the spin. This week Bloomberg reported on the recent struggles of the housing industry:
The residential real-estate rebound suffered a setback in June as housing starts unexpectedly fell to the lowest level in almost a year, curbing how much construction contributed to U.S. economic growth last quarter.
Work began on 836,000 houses at an annualized rate, the least since August and down 9.9 percent from a revised 928,000 pace in May, figures from the Commerce Department showed today in Washington. The drop was led by a 26.2 percent plunge in multifamily projects, which are more volatile than work on single-family homes. 
The figures were in contrast to a report yesterday showing homebuilders this month were the most optimistic in seven years as sales improved, indicating the reversal will probably prove temporary. The slump came as Federal Reserve Chairman Ben S. Bernanke said monthly asset purchases aimed at spurring the economy could be reduced or expanded as conditions warrant, with housing one area policy makers will monitor.  
"As construction ramps up, we’re bound to have some hiccups along the way," said Guy Lebas, chief fixed-income strategist at Janney Montgomery Scott LLC in Philadelphia. Having called for 915,000 starts, Lebas had the lowest estimate in the Bloomberg survey. “I don’t think this one data point is immediately concerning. The housing markets are going to be a driver of economic growth.” 
We certainly hope that the analysts are correct. A healthy housing market will contribute greatly to a long overdue economic recovery.

But what if housing doesn’t lead the recovery? A collapsing housing market would be devastating to financial markets—remember, it was the housing market collapse that sparked the stock market crash of 2008 in the first place. Investors who have their money exclusively in the stock market will be in really deep trouble. Also, if your main investments are held in real estate, right now is the time to lock in gains in value and to protect those gains (and yourself). This way you’ll avoid the trap of being house rich (maybe) and cash poor.

So what you should you do? Two words: “protect yourself.”  We can help. Let us show you how to 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.

Don’t let the risk of a housing collapse destroy your retirement hopes. To learn more, please visit to watch our short, ten minute video.

Wednesday, July 31, 2013

New Hidden Wealth Radio Shows!

Chuck Oliver, founder of the Hidden Wealth System, announces the debut of his radio show, Hidden Wealth Radio in Charlotte, NC, Dayton, OH and Atlanta, GA.

Orlando, FL – July 31, 2013, - Wealth Architect Chuck Oliver, founder of the Hidden Wealth System, a wealth creation and preservation practice, announces the debut of his radio show, Hidden Wealth Radio in three new cities: Charlotte, NC, Dayton, OH and Atlanta, GA.

Hidden Wealth Radio can now be heard on WBT News Talk 1110, in Charlotte at 1:00 to 2:00 pm Sundays, on News Talk Radio WHIO 95.7FM/AM1290 in Dayton on Saturday’s at 3:00 to 4:00 pm and Saturdays & Sundays at 7:30 am on News Talk Radio 640 WGST, in Atlanta.  In addition to these new stations, Hidden Wealth Radio retains its current shows in Orlando, Saturdays and Sundays from 1:00 to 2:00 pm on News Talk WFLA AM540 and in Jacksonville on Sundays at 11:30 am and 2:30 pm on News Talk WOKV AM 690.

Hidden Wealth Radio teaches listeners how to safely and predictably earn over 8% tax-free in the worst decade since the great depression. During the show, Chuck provides insights into strategies that can protect retirement savings from taxes, inflation, market losses and economic uncertainty.  Each week, Chuck speaks to his listeners about the importance of building their own Personal Protected Pension Plan™ for their own retirement peace of mind.
Chuck Oliver states in his show, “We teach people how to save TIME.  For us, TIME is an acronym. It stands for: Taxes; Inflation, Market Losses and Economic Uncertainty. I’ve learned the hard way about the drastic turns that the market can make. I want to teach you how to avoid these threats to your retirement.  That’s why it’s so vital for people to build their own Personal Protected Pension Plan™”

Chuck Oliver’s Hidden Wealth System specializes in retirement protection and income growth. They help clients to achieve financial independence and become immune from economic downturns.
To learn more about the Hidden Wealth System, please visit

Monday, July 8, 2013

Financial Planning 101

Thirty years ago, the formula was simple. Go to college, get a good job, and invest a portion of each paycheck into the stock market. By the time retirement approached, you would have a suitable nest egg built up—plenty to retire on and enjoy a suitable lifestyle.
But things have changed. No longer can Americans trust Wall Street to act responsibly. In fact, investing into the stock market looks more like gambling than it does investing. As reports:
Stock market participants have turned more into traders than investors, and that’s not a good thing, says John Bogle, founder of Vanguard Group.
“The stock market is a giant distraction from the business of investing,” he tells The Wall Street Journal. “People look at investing more or less as trading stocks or mutual funds or God forbid ETFs [exchange-traded funds], and that has nothing to do with investing.”
The explosive increase in the frequency of trading illustrates a trend toward speculation. U.S. stocks’ annual turnover has surged to 250 percent in 2011 from 15 percent 60 years earlier, when Bogle began his investment career.
That frenzy of trading doesn’t get investors anywhere, he says. After transaction costs, advisory fees, sales loads, and administrative costs, they aren’t making much money.
Individuals should invest for the long term, mainly buying and holding index funds, he says. Bogle has no problem with the idea of ETFs, but doesn’t approve of narrowly-focused ones that are used largely for speculation.
Interestingly enough, some individuals are turning away from both speculation and investment in stocks, fleeing to bonds instead.
“People don’t trust the market anymore,” Manhattan College financial historian Charles Geisst tells The Associated Press. Individuals will likely shun stocks for a generation or more amid a “crisis of confidence” similar to the one that emerged from the 1929 market crash, he says. 
Don’t gamble with your retirement. Let us show you a better way- we’ll show you how to reduce market risk, exposure to taxation, and inflationary risk. We eliminate market risk so that our clients experience NO MORE MARKET LOSSES. Prior gains can’t be lost—this is the reason why our clients have averaged over 8% risk free and TAX FREE.
Email Debbie, our Strategic Assistant, at or phone her at (800) 825-1766.  Please provide Debbie with the two best times to contact you. Due to the continuing economic volatility, we are currently experiencing a high volume of inquiries. Providing two contact times will insure that she is able to reach you.

Wednesday, June 26, 2013

The Dow's Down 350+ Points - Time to Act!

The stock market closed down drastically on June 20th. It was the second day straight day of losses following Federal Reserve Chairman Ben Bernanke’s announcement that the Quantitative Easing program could end.

On that day, many financial advisors locked their office doors, hide under their desks and just let the phones ring and ring. They were avoiding the panicked calls from their clients whose financial portfolios were taking yet another beating (losing almost 4% in two days!).

At The Hidden Wealth System, our doors were open, our Wealth Architect advisors could clearly be seen walking around in the open and oddly enough, our phones weren't ringing off of the hook, unless it was a call from a traditional stock market investor that was finally sick and tired of not making any gains. Why weren't our existing clients calling us to check on their retirement savings?

Because our proven, safe-money retirement solution provides a way for our clients to participate in the up side of the market while never suffering a loss when the market goes down. In fact, our clients haven't lost a single dime in the worst economy since the great depression.

Sound intriguing? Want to learn more? Click the link below to watch our 10 minute video. Then, if our common sense, peace of mind retirement solution sounds right for you, give us a call and schedule a meeting with one of our specially trained Wealth Architects. You've worked hard for your money, we'll work even harder to protect it.

Here's the link to that video:

Monday, June 24, 2013

We Do Strategy, Not Product

Have you ever reflected on how you felt after purchasing a particular stock, bond, annuity or mutual fund? Were you worried that the investment you just made didn’t really meet your needs? Have you ever pondered the reason why you felt this way?

A common problem people encounter with financial advisors is that most advisors are really product specialists and not design specialists. The majority of advisors are commonly trained to fit clients into a pre-structured product that was designed to be sold to the widest possible audience.

Unlike typical financial advisors, the Wealth Architects at The Hidden Wealth System are design specialists; they are specially trained to have a special focus on helping you to discover, uncover and preserve your wealth. Our Wealth Architects work with you to build an overall, common sense wealth creation and preservation strategy that accounts for Hidden Wealth areas such as; 1. the avoidance of taxation on the growth and distribution of your savings, 2. market loss elimination and 3. the ability to out-pace inflation . You will not find off-the-shelf, one-size financial product like an annuity, bond, stock, or mutual fund, etc…

Are you worn out by trying to decide which one-size-fits-all financial product you should select? Are you looking for a real wealth creation and preservation solution, optimally designed for your specific financial needs and goals?

If you want a true, peace of mind retirement solution for yourself, you must register for our Worry-Free Wealth Webinar. We’ll show you how we can help you to design and build your own Personal Protected Pension Plan™.

There’s no cost to register and there’s nothing to buy at this wealth educational webinar.
Simply register now, simply go to: or call, toll free (855) No Tax 2 U, that’s (855) 668-2928

Thursday, March 22, 2012

Higher Taxes Are on the Way!

As you may have heard, earlier this month the President released his budget proposal for 2013—and no surprise, it features a significant tax hike for many Americans. As the USA Today explains:

President Obama’s proposed budget plan includes $1.5 trillion in new taxes, most of it coming from an item that has divided the White House and the Republicans throughout Obama’s presidency: Tax cuts signed into law by President George W. Bush.

Those cuts are due to expire at the end of 2012 — a little less than two months after the presidential and congressional elections — but Obama only wants to end them for individuals who make more than $200,000 a year and families than make more than $250,000 annually; tax cuts for the middle class would be extended.

Obama and his team say higher taxes are needed along with spending cuts to reduce the nation’s $15 trillion-plus debt. “The president’s budget has $1 of revenue for every $2.50 for spending,” said White House chief of staff Jack Lew, speaking on NBC’s Meet The Press.

This comes as to surprise to those who have been paying attention—as the federal deficit continues to soar, the government is seeking to offset its rising costs by generating additional revenue. Specifically, married couples earning over $200,000 and individuals earning over $100,000 could be stuck paying tax rates higher than 60%!

Unless you act now, your retirement savings may severely impacted by these rising tax rates.

What can you do about it?

Email Millie, our Client Concierge, at or phone her at (866) 998-7699. She will tell you about our Personal Protected Pension Plan, which will allow you to grow your investments safely—tax and market risk free!

The bottom line is that all income earners in America are facing a tax hike — the only question is, when? Unfortunately, with the cost of living increasing and the economic instability continuing, millions of Americans simply can’t afford to stay the course as their tax bill continues to soar. Tax increases are coming and they are coming for you! If you want to enjoy a retirement income that’s free from taxes contact us today before these increases arrive.

Protect yourself from imminent tax increases! Email Millie at or phone her at (866) 998-7699. Please provide Millie with the two best times to contact you. We are currently experiencing a high volume of inquiries. Providing two contact times will insure that she is able to reach you.

Thursday, October 20, 2011

Protect Your Retirement Lifestyle from the Threat of Inflation

According to the U.S. Energy Administration, in 1981, a gallon of gasoline cost an average of $1.38. Based on current figures from the U.S. Department of Energy, the percentage increase in the price of a gallon of gasoline is 148% over the last 30 years. Meanwhile, data from The Congressional Research Service and the U.S. Administration on Aging show that the median income for persons age 65 and above during this same 30 year period has increased only 48 percent. This trend is not limited to just gasoline prices; the costs of housing, food, energy, and many other commodities have soared through the roof.
Most Americans are familiar with the concept of inflation and they understand that inflationary pressure makes it increasingly harder to get by, financially. What many people are missing is the connection between the last thirty years and the next thirty years.

When planning for retirement, people commonly anticipate a period of approximately thirty years. But yet, they fail to ask a simple question, “If inflation drove the cost of living up so dramatically during the last thirty years, what will happen over the next thirty years?”
If gas prices continue to increase at the same rate, in thirty years a gallon of gas will cost close to ten dollars! Food and other living costs will also experience similar cost increases. What would be the impact of these massive cost of living increases on your retirement lifestyle? Could you afford to pay over $8.50 for a gallon of gas?
The answer is grim for most prospective retirees.
There’s no doubt that inflation is a major threat to retirees. Yet, with proper planning, you can mitigate inflation’s impact.
The Hidden Wealth System’s Personal Protected Pension Plan™ can help you protect against inflation. Our Personal Protected Pension Plan™ provides you with a proven, safe-money solution, that helps protect your retirement from inflation; a retirement that is also tax-advantaged and free from market losses. Our unique design increases your retirement income as inflation rises to help protect your lifestyle from the effects of inflation. You can’t hope to keep pace with inflation using traditional retirement programs; learn how you can plan to beat Inflation. Inflation is a very real threat to retirees and those planning for retirement, but with careful planning, the risks can be minimized.
Don’t risk running out of money before you run out of life. Protect your hard-earned life’s work and immunize yourself against inflation. Imagine, living your retirement years with an income stream that is tax-advantaged and inflation-protected; safe in the knowledge that your income affords a lifestyle that allows you to be really retired. Contact Millie today at (866) 998-7699 or email her at: and begin protecting your savings against inflation today!