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 MoneyNews.com 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 debbie@TheHiddenWealthSystem.com 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.

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

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 millie@TheHiddenWealthSystem.com 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 millie@TheHiddenWealthSystem.com 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.

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!

More Wall Street Volitility - Get Off the "Dow Jones Coaster"

Do you have money in the stock market? If so, you are no doubt suffering from whiplash caused by watching the market shoot down, down, up, and then down some more. It’s like riding on a roller coaster that you really didn’t want to get on in the first place.

But, it doesn’t have to be this way! There’s no reason to ride on the “Dow Jones Coaster” every day. Our clients did not lose a single penny during these recent market swings. That’s because they only participate in market gains; they never give back any of their earnings. In our unique design you never have to make up for any losses. Not only is The Personal Protected Pension Plan™ safe from market loss but, when you retire, your distributions are tax-free.

If the past month has taught us anything, it’s that our political system is a mess—and it’s dragging the economy down the tubes with it. Between the debt ceiling debacle and the continuing European debt crisis, traditional investments face a completely uncertain future. To make matters worse, when the economy begins to recover (or even before then), inflation is likely to erode any hard-fought gains that the market may experience.

What should you do? The answer is quite simple: stop exposing your retirement to market risk! The Personal Protected Pension Plan™ is tax-free, market risk-free, and protected against inflation. Stop exposing the fruit of your life’s work to unnecessary (and rapidly increasing) risk. Stop riding on the Dow Jones Coaster for hours a day!

To see if The Personal Protected Pension Plan™ is right for you, email Millie, our Client Concierge, at millie@TheHiddenWealthSystem.com 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 and two contact times will insure that she is able to reach you. There is absolutely no reason for you to subject yourself to the rapidly increasing volatility of traditional stock investments. Wall Street is simply not the solution for couples and individuals that are looking for steady, reliable growth. Contact us today and let us help you discover and uncover your hidden wealth!

Heavily Invested in the Stock Market? Get Ready for the Rough Remnants of Summer

If you are heavily invested in stocks, you probably won’t like what you’re going to read, but you should pay attention! According to USA TODAY, there are unsettling similarities between the current state of the markets and their position at this time last year. You may recall that, early last summer, the Dow Jones average fell 13.6% before beginning a gradual recovery!

Among the factors behind last year’s market drop were fears of a “double-dip” recession, high, long-term unemployment and worries about the European debt crisis. Do those problems sound familiar? They should. We are facing those same challenges today. As if these aren’t enough, we are currently watching as the President and Congress attempt to strike a deal to prevent the U.S. from defaulting on its obligations for the first time in history. From an investor’s standpoint, this situation appears to be lose-lose; either the U.S. defaults, which would be catastrophic for the market, or the government continues to borrow money hand over fist, leading to future high inflation.

There are plenty of reasons to worry about the state of the stock market. While it’s impossible to exactly predict the future, many experts agree that a 10% downward correction is very probable.

These events remind us that the rules of investing have changed forever. Twenty years ago, simply investing into an index fund may have been a sound strategy. Unfortunately, since 2007, international equity markets have been incredibly volatile. Many people’s life savings disappeared down the drain as the stock market plunged. While the market has recovered to some extent, there is absolutely no reason to suggest that it is permanently back on course.

What can you do to protect yourself from the twists and downward turns of Wall Street? We proudly offer the following safe, proven solutions:

1. Go to: http://www.mymoneyalarm.com/ and register for our unique educational service, which sends you market change signals prior to the critical decision points. These signals alert you to changing conditions and guide you to the best performing mutual fund choices. These signals also make you aware of the best time to move your money out of equities. This unique program doesn’t require you to move your money from your existing account(s) to a new IRA or 401K. You simply enroll in our educational service which then provides you with the proper signals that help you grow and protect your hard earned savings. This service works for IRA’s 401K’s, 403B’s, mutual funds and college savings accounts.

2. Our unique design, The Personal Protected Pension Plan™ provides you with security from market uncertainty because your money is only linked to the market’s gains and is never actually in the market. As a result, our clients never lose either their principal or their gains. This plan design avoids the dual threat that higher taxes and inflation pose to your retirement income. If you’re tired of daily worrying about the market swings, higher taxes and inflation, contact us for more information. Let us create a plan to safely grow and protect your wealth! To schedule a no cost no obligation Personal Protected Pension Plan™ consultation contact our Client Concierge, Millie, at (866) 998-7699 or email her at millie@thechuckoliverteam.com