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 www.HiddenWealthVideo.com to watch our short, ten minute video.

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:
www.HiddenWealthVideo.com

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:
www.HiddenWealthWebinar.com/ or call, toll free (855) No Tax 2 U, that’s (855) 668-2928

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: millie@TheHiddenWealthSystem.com and begin protecting your savings against inflation today!