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and businesses
with the best, most thorough advice they can use to meet
the challenges of business and life.
Look for the following headline to appear any day
now:
Boomer's Retirement in Jeopardy!
Over the next two
decades over 72 million Americans will be entering retirement. Due to
the aging of the Baby Boomers and longer life expectancy, the number of
people over age 65 will reach almost 20% of the population by 2030, up
from 12.4% today. The majority of these retirees have not prepared like
you have and will cause a huge drag on private and public resources.
You, on the other
hand, have done everything the financial gurus told you to do. You have
saved at least 10% in your 401k plan, you have bought your home and made
extra payments to have it paid off by retirement time and you have
invested in financial instruments that you were told would keep pace
with inflation and your future needs. You think you are ready for
your retirement but you may have just prepared yourself for
your parents' "outdated" retirement profile.
The world you are
retiring into will not be the same world your parents retired into.
Therefore, you need to ask what your world will look like when you get
to retirement. More specifically:
What can you expect from your investments?
What will your tax burden be?
What can you expect from corporate and government
benefits?
What will your health insurance look like?
If you want to be
ready for the changes ahead you must understand what is coming and what
you can do to prepare for it by putting your assets to their highest and
best use.
For most Americans it is a paycheck to
paycheck life. We pay the mortgage and the other bills each month and
when we want to save or invest for the future we find that it either
isn't working or we just can't seem get ahead because something always
goes wrong (the market goes down, the car breaks down, or your job
changes)
We know we have been doing what we learned
or what others have told us to do but we still just don't seem to make
it.
Is there something I am not doing right?
Have the rules changed for me?
We think that the rules have changed.Life
and saving don't always follow the old rules. We were told to get an
education, get a good job, buy a house and pay it off as soon as
possible, maximize our 401(k) plans and put money away in tax deferred
vehicles, but we have never examined what is going on in our world
today.
If you are part of the Baby Boom
generation (those people born between 1946 and 1964) then you know that
there are more of us aging faster than any generation in history (78
million in the US). Because most of us will live longer in retirement
than any generation in history we
will create a huge drag on the social programs that our fathers and
grandfathers put in place to insure their old age. If we are to use
these programs we know that we will either not be able to draw the same
benefits for the same amount of time or we will pay more to access them
if they don't change. We need to start planning for these adjustments
ourselves. (If you want proof of this coming crisis check out this
website http://snipurl.com/lq42 )
What we need to do to make it work is to stop wasting the
opportunities that are within our control and put all of our assets to
their highest and best use. You see when we take a dollar
out of our pocket and give it to someone else we lose the opportunity to
use that dollar ourselves. My job is to help you find ways to keep those
dollars, and many others, working for you. To do this we will deal with
the two largest assets that you own; Your Home and Your Retirement Plan.
Please read through this site and you will learn some of
the ideas you will need to know in order to create opportunity for
yourself.
If you want to know more, take advantage of the tools
found here. Better yet, take advantage of my Free Seminar on this site. My goal in all of this is to educate
you so you are ready for what lies ahead, whether you are 25 or 75.
Be Prepared!
Your retirement will not
look like your parents' retirement
For a more detailed look at these ideas
check out this
excellent article by Steve Marshall and
Mike Lowe entitled
If you are tired of
all of the hype about where you should be and what you could be doing,
start learning how to play this new game by signing up for my Newsletter and
getting four FREEgifts valued at over $100.00 as an added bonus.
If you are ready to
listen to a different drummer take a look at this newsletter
I conduct my business from the following basic premise...
People today are challenged by having the time to make a living, raise
their families and maintain their health and spiritual balance.
They are also barraged by more conflicting information than they can
read and assimilate, let alone decipher and act on. People are not
successful because they fail to act and people fail to act because they
are trapped in their own thought patterns and the confusion of the
marketplace.
By hiring a professional who has done the research and is willing to
coach them toward their goals, individuals are moved to action.
We are ready to help you with questions
you may have about any of the areas of life that are important to you.
Please take some time to look around the site. I know you will find
something worthwhile and something that may spur a question or need to
get together.
