Avoid Having Your Retirement Confiscated

Hi, this is Chuck Oliver. Welcome to this week’s Missed Show Hidden Wealth Minutes.

I wanted to talk to you about what you missed on Hidden Wealth Radio. We talked about pensions now under attack. The Federal government now has found a way to maneuver its way into reducing pension plans, mainly because of how under-funded these pension plans are as a result of the markets losing. We call it now the lost decade and a half. And when you think about your thinking in this area, whether you have an employer-paid pension, or whether it’s left up to yourself to create your own pension, the reality is everyone’s suffering, this being proof now that state pensions and federal pensions themselves are no longer protected because of how underwater they are.

In fact, out of your money, an article I talk about, “Congress Considering Plan To Allow Pension Cuts,” it’s already in the works. And here’s the impact. Those sponsoring the pension plan proposal say it’s the only available option to save failing multi-employer pension plans. Other groups such as AARP and the Pensions Rights Center are crying foul, and I would side with the Pension Rights Center for this reason.

When states or nations go through this type of a situation, it’s found that the first part of the process is first to hike taxes. So we’ll see taxes heading up, and I’ve been talking a lot about that, especially as I write about my books. But then the money printing increases, and we’ve seen the Fed just go on a spending binge that they’ve now just started winding down, which means now rates are going to go back up, which also makes our markets more volatile, which is why you’ve seen all this uncertainty with ups and downs and all-arounds. And finally, state benefits are cut. Now, here’s the impact of one gentleman, a retired truck driver, Glen Nicodemus, age 64. The proposal would cut his pension from 40,000 down to 15,000.

Here’s why this is important. We teach people how to design their own pension plan, a protected one. Protected from the government from taxing it, protecting it from Congress stepping in and taking it now, and ultimately the stock market from taking it away as it relates to the market losing. And I’m going to teach you how you can avoid these concerns and build your own retirement protection pillars. And especially if it’s you that’s paid by an employer pension, or maybe someone you care about, whether you get one from an employer or not, if you don’t, it’s up to you to obviously provide your own. And I want to teach you how you can avoid all of these dangers by learning. In fact, you can go to myretirementprotected.com. That’s myretirementprotected.com. Or 855-NOTAX2U. That’s 855-NOTAX2U.

And do so because I want to teach you how. No longer do you have to worry about Uncle Sam being in your income in retirement. You can get the government out of your retirement, tax-free growth, and tax-free income. Also, I want to teach you how the uncertainty of the market losing with a correction and/or a crash can be removed so that your money and savings only participate when the market goes up. They do not participate when the market goes down on the savings you can’t afford to lose. And then lastly, how do you build that into your own personal protected pension plan so that you avoid those risks altogether? Myretirementprotected.com. Here’s to your hidden wealth.

An Unnecessary Loss in Retirement

Hi, this is Chuck Oliver, and welcome to this week’s missed show, Hidden Wealth Minutes. I want to share with you what you missed on Hidden Wealth Radio. As a reminder, all of our shows are archived at hiddenwealthradio.com. That’s hiddenwealthradio.com. Well, what a wild ride the federal reserves Ferris wheel has had us on and off over this last week. We’ve seen about a 1500-point swing just in this last week in Wall Street on the Dow Jones. And there is a lot of anxiety out there, and I’ve been teaching a lot from my most recent book, how to have your retirement protection pillars.”

Where before many of us listening, whether it was our parents, grandparents or even for some of us, depending on our generation, great-grandparents lived in a very different time and day. They lived in era where you could get a respectable return on your savings at the bank. There wasn’t the uncertainty around Social Security, and clearly there was a defined pension benefit paid by the employer that would last the employee’s lifetime.

Those days are gone and diminished. In fact, what’s transpired is many of us listening have what we call a defined contribution plan known as a 401(k), which has failed miserably. Time Magazine said it’s time to retire the 401(k) back in 2010. This was shortly after, from October of ’07 through March of ’09, the average investor’s 401(k) or savings for retirement had dropped 57%.

So it’s not unusual to think that AARP comes out with a report in the Wall Street Journal recently about Boomers are more worried than any other group about their retirement security. High-anxiety over not being able to retire. In fact, over 70% of boomers expect that they will have to delay retirement, and 50% fear that they will not be able to leave their nine-to-five job. Now folks, all progress begins with the truth and now is an ideal time, because the price of procrastination can be quite steep. In fact, you’ll learn that for those of you that don’t pay heed to this, I think that we’re in the most uncertain economic times we’ve been in, now that we’re this global economy, from Ebola, to Isis to oil, that we’ve ever been in. And it’s very clear that the market has a way of repeating itself. And the question becomes, “Do you really want to see history repeat itself?”

Because two camps out there: one, playing it too safe on the sidelines at the banks, spending down principal but thrilled not to be losing, and the other camp is concerned or scared or at least one of the two spouses on, trying to get off of this Ferris wheel by the fed that’s made markets swing not like we’ve ever seen since ’08, ’09. Folks, now’s the time. And I think it’s so important, myretirementprotected.com. I want to teach you in this educational income and savings protection webinar, how you can learn how you can upside without downside.

In fact, I talk on Hidden Wealth Radio that if we go back to 1930 and we take the S&P 500, which is what many of our models are modeled after–and mind you not one of our clients has ever lost a dime in one of our key strategies that we teach people about their retirement protection pillars–the S&P from 1930 through 2011 in our study did 5.92%. Now, mind you, that’s before fees and costs and taxes etc., but did just shy of 6%.

Now, let’s say you could go back. Whether it’s back to 1930 or back to ’08, ’09 or 2000, or 2001, or 2002, and you could put a zero in for all the years that had a down year. If we went back to 1930, your average return was just shy of 11.5%, 11.46% to be exact. Not 5.92, but almost double the return. Which means more than quadruple the account savings.

And here’s the key. Not only do we remove the uncertainty of losing money in our retirement, we also remove Uncle Sam or the government out of retirement because we can also do it tax-free. That 5.92, much higher expenses, especially when you account for taxes. In all the uncertainty of the ups and downs and loss of sleep and anxiety versus never losing sleep, because when the market loses, your account is protected; when the market gains, your account gains.

And I want to teach you how, myretirementprotected.com. That’s myretirementprotected.com. And on top of that, you could, if you desired, register toll-free at 855-NOTAX2U. That’s 855-NOTAX2U. Folks imagine, whether the fed corrects, crashes our markets or ultimately continues to false positive the stimulation to our markets, at some point our markets are going to correct and possibly crash. And the question becomes “Are you prepared?” myretirementprotected.com. Here’s to your hidden wealth.

The Fed Ferris Wheel

Hi, this is Chuck Oliver; welcome to this week’s Hidden Wealth Insight.

The Federal Reserve Ferris wheel-where do you get on, where do you get off? It’s very clear that the market takes its marching orders from what the Fed may or may not do, which only adds to the uncertainty and the anxiety that people are feeling across this country. Now, I talk about on Hidden Wealth Radio the impact of this AARP Study. Now, fascinating- the study found that 33% of all U.S. households will not have enough money for retirement even if they worked until the age of 70. This is a study just done last year, even before more of this anxiety has crept in. Whether we’re talking about Ebola, ISIS or oil, the reality is we’re a global economy and the impact is leaving people very concerned with a lot of anxiety.

Now, that anxiety, the AARP found, is that 70% of boomers believe that they’ll have to continue to work through retirement at least until age 70, and, in fact, 50% believe that they likely won’t be able to leave the 9-to-5 job workforce as a result of being able to try to sustain as similar to a lifestyle when they were in their highest wagering years as they hopefully can do to get through retirement.

Now, folks, here is the reality: I teach that you can get off this Federal Reserve Ferris Wheel very easily by having the absolute upside of what the market does when it gains without the anxiety or concern of when the market loses. And whether we correct, crash, or ironically continue to go up, the reality is the more and more air you pump into a balloon, eventually that will have to bust. Now, don’t take my word for it; take people’s words such as Warren Buffet, who predicts a bubble that will bust just about a year ago. He predicted the next few years, and then you’ve got folks like John Bogle, who created Vanguard Funds, who predicted on CNBC last spring that the market will likely face, at minimum, 250% minimum correction crashes within the next decade.

Folks, I think we’re upon that time frame, now, that it’s very clear that the Fed is going to have to start raising interest rates. Whether the market wants to play that out to get you and I to emotionally buy in, that now’s the time to buy, or now’s the time to sell, we’ve seen almost a 1500% swing just in this last week of the market. Up, down, up, down, and that’s why the anxiety of not being able to retire’s there, is because many people lost. Now listen, between October of ’07 to March of ’09, the average person lost in this country 57% of their savings. And do you really want to have history repeat itself again? Because these things are cyclical.

So I teach on Hidden Wealth Radio how you can have upside without downside. In fact, we go back to 1930, and if you see what the S&P has done . . . in fact, that’s what every major investor or money manager aspires to, to get as close to that performance as possible, that performance, sadly, has only been 5.92% through 2011, 1930 to 2011. Now, if we could go back-and I want to teach you how our clients have never lost—but if you could go back, and for every time there was a negative return, you could insert a 0, so where you didn’t experience any loss, that return from 1930 to 2011 goes to 11.46%, nearly double, but with 100% less risk.

Folks, it’s very easy to learn how to do this, there is space still available. In fact, I would like to gift you my most recent book on how to avoid the five greatest traps to retirement, where I really go in and talk about what many of you may not know, that even pensions are being discounted. I talk about, coming up, somebody whose pension went from $50,000 down to $15,000 and it’s already happening. So it’s not like it’s going to happen, or rumored to happen; it’s already happening. So it’s up to us to protect ourselves, whether there’s government intervention to come in and tax us more, to take from us more, or for the government to remove what we have, more than we started with. Now’s the time.

And you can do so by going to myretirementprotected.com; that’s myretirementprotected.com. If you’re married, please attend with your spouse, or if you have a significant other, get on the same page because in about an hour, I want to empower you on how you can have upside without downside. And do it technically, if designed right, also without taxation. So let’s get market uncertainty out of your retirement, and let’s get the government out of your retirement. But the time is now. myretirementprotect.com. Here’s to your hidden wealth.