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Pay Off Your Home

in 8 - 11 years

 

 

 

It is time for you to

Look Forward to Creating

a

Sound Financial Future

 

 

 

 

We are committed to providing professionals, families 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 You think you are ready for your retirement but you may have just prepared yourself for your parents' "outdated" retirement profile.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:

bullet What can you expect from your investments?
bullet What will your tax burden be?
bullet What can you expect from corporate and government benefits?
bullet 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 )

If you want more on these ideas please read my article; "Designing a New Paradigm for Financial Planning".

 

Finding Opportunity

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

 

 

 

 

 

 

 

 

"How the Affluent Manage

Home Equity to

Safely and Conservatively

Build Wealth"

 

 

 

 

 

 

 

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 FREE gifts 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

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It is kept completely confidential!

 

 

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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.

 

 

 

 


     

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Marc Cram

919-383-8194

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Looking Forward to Create

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