Personal Protected Pension Plan

The Personal Protected Pension Plan is a proven, safe money solution for your retirement income needs.  In this unique plan design, you particpate in the up-side of the market but never lose money to the down-side of the market.  Click the link below to watch this short video to see why Debbie, one of our clients, decided to stop giving her gains back to the market and never lose principle again.

Personal Protected Pension Plan

Can Social Security Survive the Coming Economic Storm?

2012 will be the year that the first members of the “Baby Boomers” generation become eligible for full Social Security benefits. Starting last month, there has been an average of over 11,000 new Medicare-eligible applicants each day… a trend that will continue for the next 19 years as the Baby Boom generation reaches retirement age. In addition, 2010 and 2011 are expected to be the first consecutive years in which Social Security pays out more in benefits than it takes in through payroll taxes. Social Security has paid out more than it took in once previously, during the “dot com” crash, but that was a one year blip—whereas the current shortfall is expected to persist into the future. As this deficit continues to grow, will the government be able to deliver the benefits that many retirees depend on? What other effects will this crisis have on the larger economy?

Before we continue, a brief review of the concept of Social Security: as citizens work, a portion of their earnings are diverted into a Social Security fund. These funds are in theory used to repay contributors once they’ve reached retirement age, providing a reliable source of income to aid them in their retirement. In practice, the payroll taxes being paid right now are being used to provide the benefits for current retirees. That system works fine, as long as the workforce is large enough to support retirees. That has also been the case—until last year. 2010 and 2011 are expected to be the first consecutive years that Social Security ran a deficit—a trend expected to worsen in the future.

In other words, if changes aren’t made, Social Security is going to run out of money. That doesn’t mean retirees will stop receiving benefits, of course, because the federal government can print money to cover their obligations. But as you probably know, printing money often leads to deadly inflation and soon higher taxes will be needed. And inflation is the greatest initial concern of most experts as we evaluate the state of Social Security. Combine the Social Security crisis with the current unprecedented federal deficits that the government is running (at present trying to pass a higher credit card limit to continue trying to out-spend our economic crisis), and high inflation seems unavoidable, even if corrective action is taken.

So the question for you is this: how are you planning to manage these coming risks? Do you have a plan? Inflation, though it can potentially wipe away your savings, can be managed with proper planning. If you don’t have a plan, it’s time to get started. The coming Social Security crisis, combined with current government debt levels, mean that inflation and higher taxes are surely lurking around the corner. Don’t be caught by surprise! Take action now and learn what you can do to make sure you protect your retirement. Simply call (407) 478-1599 and let’s get started

Stock Market Myths That Won't Go Away

From the Wall Street Journal

In tumultuous economic times such as these, your broker or financial adviser usually offers calming words of wisdom and advice. Stay in the market long enough and you will hear these many times. How true are these words of comfort? Let's examine 10 of the most common and see how they hold up.

1. This is actually a good time to invest in the stock market." Oh, really? Ask your broker if he's ever warned a client that it was a bad time to buy stocks. Did he or she do this in October 2007? Maybe it was in February 2000, then? Even a broken watch has the right time twice a day, but no one wears one. Asking a broker if it's a good time to invest in the stock market is like asking a barber if you need a haircut.

2. "Stocks, on average, make you about 10% a year." This claim is based on past history, stretching back to the 1800's. About three of the claimed 10% is from inflation. Stock market data from the 19th century has been shown to be unreliable. Twentieth Century data is complex due to World Wars and globalization. Remember, stocks only produce average returns when you buy them at average prices. If you buy stocks when they're expensive, your returns are less than average.

3. "Our economists are forecasting..." Ask your broker if his economists accurately predicted the most recent recession. If they did, when did they make their predictions and which of his clients did your broker warn? What they usually predict is a slow-down, not a recession. That's like a weather forecaster that predicts a 50% chance of rain; no matter what happens, their prediction will be correct.

4. "Investing in stocks lets you participate in the growth of the economy." In 1969 the U.S. Gross Domestic Product was about $1 trillion and the Dow Jones Industrial Average was at about 1,000. In 1982, the U.S. economy had grown to $3.3 trillion. Where was the Dow in 1982? At about 1,000.

5. "If you want to earn higher returns, you have to take more risk." The only way to earn higher returns is to buy stocks cheap in relation to their future cash flows. Your broker probably thinks that "risk" means "volatility." Volatility usually means price ups and downs. Risk means the possibility of losing your principal.

6. "The market's really cheap right now. The P/E is only about _ _ _%." The price/earnings (PE) ratio, compares share prices to annual after-tax earnings. This index is misleading because earnings are so volatile; they are elevated in a boom and depressed in a bust. There are better measurements of stock expense. Try Dividend Yield, the cyclically adjusted PE or "Tobin's q." Right now, these metrics say that the stock market's pretty expensive.

7. "You can't time the market." It's certainly true that no one can catch the market's twists and turns. But brokers use this phrase to keep their investors from pulling out their cash as the market is tumbling. The bottom line; if you invest when stocks are cheap, you will usually make money. If you buy when stocks are expensive, you will usually lose money. It sounds simple, but it's true.

8. "We recommend a diversified portfolio of mutual funds." If your broker means mutual funds with different names and "styles" such as: large-cap value, small-cap growth, mid-cap blend, etc; then this is just a marketing ploy. These funds are typically 100% invested, in stocks, all the time. Even "international" funds offer less diversification these days because the global economy has tied so many things together.

9. "This is a stock picker's market." If it is a stock picker's market, what makes you think that you, or your broker, is the right person to do the picking? The vast majority of portfolio managers notoriously under perform the market.

10. "Stocks outperform over the long term." I guess than depends on what you define as "the long term." The economist John Maynard Keynes is famously quoted as saying, "In the long run, we are all dead."

Are you tired of hearing the same stale lines from your broker? Our Personal Protected Pension PlanTM is free from market risk and, most importantly, market loss. If you want a tax-favored retirement where you never give your gains back to the market, please contact Millie at (866) 998-7699 or email :

millie@thechuckoliverteam.com

to schedule a time for us to discuss your concerns. We have solutions that are designed to safeguard your retirement.

The Loss of Confidence in Traditional Investing

Investors seem to be growing tired of the financial roller coaster where their accounts post slow gains for a number of years and then those gains, plus some of their original principal, vanish when today's volatile markets take an unexpected tumble. In 2008, many people's 401k and IRA accounts lost 31 percent and most have not recovered back to what they had as their original principal. This pattern has been going on for decades and it seems many investors have now had enough.

Investors are getting fed up with the same traditional advice of investing in IRAs and 401(k)s, to postpone taxes and then having to deal with the ravages of market volatility on their long-term gain. In my experience as a wealth strategist, I've never had a client come to me from a traditional advisor that had a tax exit strategy or an inflation impact plan as part of their overall financial strategy. These are things that traditional planners just don't consider or deem important.

According to a new survey from Prince & Associates, 81 percent of investors with $1 million or more in investable assets plan to take money away from their current advisor. An even larger number, 86 percent, plan to tell other investors to avoid their advisor. Only two percent of those surveyed plan to recommend their firm to other investors.

It doesn't take a financial genius to realize that deferring taxes to a later date as tax rates continue to rise, placing money into investments that lack liquidity and placing the rate of return for a retirement nest egg in variable products are not winning strategies. Yet, these are only three of the major problems with traditional investments.

If you're tired of: giving your gains (and principal) to the market every few years, not having access to your money until your 59.5 years of age, having to take minimum required distributions at age 70.5 and worring if inflation will deplete your retirement income, please schedule a no-cost, no-obligation discovery meeting to determine if our planning strategies are right for you. Please call (866) 998-7699 to arrange a meeting or visit our website: http://www.thehiddenwealthsystem.com/

Teacher Pensions Plans - $93 Billion Underfunded

Over the past year or so, I have been teaching in my educational workshops that private and government pensions are going away. Here is just the latest example of how this prediction is manifesting itself.

In a study published in April, the Manhattan Institute for Policy Research found that the 59 pension plans that cover most teachers in the United States are underfunded by $332 billion. However, that estimate is based on using an eight percent discount rate. When the researchers applied the same standards private plan are required to use – that is, a six percent discount rate – the shortfall is $933 billion – three times the original estimate!

The study concluded that once states fully realize the true shortfalls in their plans they will likely take action to contain future benefits. One option they will consider is to move away from the defined benefit that plans provide today, and/or reduce benefits to future plan participants.

The ground truth here is that the rules of retirement are changing. The concepts that have applied to retirement in the past can no longer be counted on for those of us who will be retiring in the future. America's aging population, the general decline in government revenues and corporate profits combined with devastating losses in the stock market are causing both government and private employers to make drastic changes to their pension benefits. In the short term, this takes the form of underfunding the plans, not funding the plans at all and eventually, not offering any pension benefits.

What's the answer? Now more than ever, we must take responsibility for designing and funding our own pension plan. We can no longer assume that our employer will take care of this for us. That's why I have developed the Personal Protected Pension Plan™ inside of our Hidden Wealth System™.

This is a plan where your money grows at a guaranteed 7-8% tax-free rate, is immune to market loss and then is transferred to you (or your heirs after you pass), tax-free! You can even build-in inflation protection for your retirement income so that, as inflation rises, the income you receive from your Personal Protected Pension™ increases, thus protecting you retirement lifestyle. We can even show business owners how they can build a Personal Protected Pension plan for themselves!

Want to learn more? Visit the Personal Protected Pension Plan™ section of our web site at:

Build Your Own Personal Protected Pension Plan

Worried About Social Security? Prepare Now!

Are you worried about Social Security's future? Well, join the crowd.

As the national debt soars, the pressure on Washington to cut spending is rising. Social Security is bound to become a part of the cost-cutting conversation.

The program is projected to pay out more this year than it takes in, which is as much a function of the weak economy as it is an aging population. The New York Times reports that, if nothing changes, Social Security will be able to pay full benefits through 2037 after which, payroll taxes will only provide enough income to pay out about only 75% of benefits.

Most experts agree that the program needs to be bolstered for the long-term. Some proposed solutions are:

1. Raise the retirement age to 70 for people who are at least 20 years away from retirement,
2. Increase the Social Security payroll tax,
3. Subject more income to the payroll tax,
4. Reduce initial benefit payments and
5. Cut cost of living increases to beneficiaries (this would affect current retirees).

Don't like these options? Too bad. At least some combination of them will be required in order to keep the program alive, in the long-term.

What can you do about it? Stop depending on the government (and your employer) for your retirement. The government has shown that it cannot be financially responsible and most companies today do not offer pensions. Instead, they offer 401(k) or 403(b) plans that require employee contributions. The company then manages these plans (some times ineffectively). When they employee retires, they are then able to take distributions from the plan's contributions and earnings.

To be successful in retirement, you need to do what made you successful before you retired-rely on yourself. There is a way for individuals to create their own Personal Protected Pension Plan! This type of plan is protected from market loss, grows tax-free, can a accessed tax-free and anything remaining after your death can be passed to your heirs, tax-free.
Does this sound too good to be true? Do you want to learn more? You can explore this fascinating concept in detail in the Personal Protected Pension Plan section of our website. I encourage you learn all that you can so that you can take charge of your own financial future.

Power Principles for Success is a Best Seller!

All of us here at The Hidden Wealth System, The Chuck Oliver Team want to say, "thank you!" Your support has propelled us into the number one spot on one of Amazon's Best-Seller Lists. We are also currently in the top five on two other lists. We made best-seller on only the second day of sales and we would still be climbing except that the first printing of the book has now sold out on Amazon!

But don't worry, there are more copies coming. If you're interested in assuring that you get your copy, just email us here at info@hiddenwealthradio.com and let us know.

Without your interest in this book, none of this would be possible. Thanks for your kind words and encouragement that all of you have provided to us. We greatly appreciate you, and we just can't say it enough!