WALLY MACKEY, RFC, CSA

MONEY STRATEGIES USING SOMETHING GUARANTEED SAFE®

A PERFECT RETIREMENT PLAN WITH INFLATION PROTECTION™

Retirees worried about this income have two main fears: running out of money and not keeping up with inflation.  Withdrawals from retirement accounts can replace paychecks earned during your working years.  But, most retirees are buying guaranteed income strategies with one big problem.  There’s no inflation protection!  Guaranteed Lifetime Income Withdrawal Benefit riders on fixed indexed annuities and variable annuities cannot guarantee your income will keep up with inflation.  That’s a big problem!  In 20 years you are going to need twice the income to pay your bills!

My clients receive a comprehensive written retirement plan.  Usually, they start with an 8.65% jumpstart.  Each plan contains instructions on how to manage the money without my direct supervision.  It’s so simple; you won’t need a financial planner!  Understand, no single strategy can offset inflation.  My comprehensive planning offers a guaranteed accumulation of wealth, a guaranteed retirement income with inflation protection, home health care, and a reliable legacy.  I have earned an impeccable reputation and national awards recognition for my solid record of success.

Baby Boomers seeking my advice deserve better answers.  Survey after survey show Americans have lost confidence in an economy going nowhere, the lowest interest rates in 40 years, and the daily ups and downs of the current volatile stock market.  No one feels certain about their retirement plan, as fears continue to mount.  And yet, most people sit idle, doing little because they do not know what to do!

I sense the frustration and suggest you begin the path to peace by adding the solid structure with the clarity from a plan specifically designed for your family.  Have you ever wondered why some retirees live without fear, while others live in a rundown trailer park? 

Let me illustrate something your financial planner doesn’t want you to consider:  the difference between risking money and using something guaranteed safe!  To demonstrate the difference, let’s compare two retired couples.  One couple invested $500,000 in stocks, mutual funds, and variable annuities for diversification.  Their financial planner suggested his approach would offset inflation and suggested a $25,000/year withdrawal to supplement their Social Security Benefit checks.  Their well-qualified adviser managed the portfolio and won awards by generating a return equal to the S&P 500 Index for a 1% fee.  This is the typical retirement plan.

The other retired couple watched my educational DVD and learned about economic forecasting using demographics and the adult spending pattern; plus, the benefits of keeping their money safe.  They, too, started with $500,000 on Y2K day (the day your computer was to crash).  Their written retirement plan suggested they withdraw $25,000 annually.  One big difference is my clients never lose any money and paid no fees.  Now, let’s compare these two distinctly different retirement plans.  Notice, my clients’ earned a 7.50% average annual rate of return.   

Year-End     Investor Acct Value          Client Acct. Value

2000                      $422,085                         $558,338

2001                      $341,334                         $563,471

2002                      $239,244                         $562,702      

2003                      $268,619                         $655,352

2004                      $263,084                         $672,585

2005                      $242,845                         $683,202

2006                      $245,338                         $739,095

2007                      $225,912                         $767,652

2008                      $119,864                         $742,652

2009                      $117,821                         $742,770

2010                      $103,756                         $742,892

2011                      $77,968                           $743,018

As you can see, the couple invested in stock market strategies has almost run out of money by the end of 2011, and they were not able to offset inflation.  My client is living a better retirement lifestyle because they never lost any money, never worried about running out of money, could have increased their annual income to offset inflation, and still provide their family with an inheritance.  If one or both spouses needed long-term care, they could have purchased long-term care insurance or use some of the retirement money.  You are probably frustration, fearful, and seeking advice.

ACT NOW!

Ask yourself!  Can you afford to stay retired?  Since January 1, 2000, the inflation rate has been 33.6%.  If you had a $25,000 income in 2000, you need $33,400 today.  So, when are you going to fix this problem?  If you wait until the stock market crash forecast by Economist Harry Dent, you will have an even bigger problem.  Investment decisions based on past performance are doomed to fail.  So, stop looking for the pie-in-the-sky offered by other advisors.

Your retirement will be different from your parents.  Baby Boomers were part of the greatest stock market boom in history and are headed towards the next great depression.  Your retirement plan requires guarantees backed by an insurance company.  Nothing else will work!

I will teach and illustrate your new retirement plan.  My free DVD and information kit comes with a 13-minute audio CD of Economist Harry S. Dent, a 2008 DVD teaching the basics, and two timely written reports.  To request this free information kit, use the request form found on this web site or call 800-217-1556.  No one will call you!