RETIREMENT PLANNING USING “MONEY STRATEGIES USING SOMETHING GUARANTEED SAFE®” You are encouraged to request my free informational kit containing two informative reports on conservative retirement planning and a DVD with the 2006 PBS Television interview on Economist Harry S. Dent. To request my free information kit, Florida residents should call (800) 217-1556 or email to sycamoregr@aol.com your name, home address and home phone number. No one will call you! This is a calling more than a business! Those that have ears to hear; let them hear! The Baby Boomers were responsible for the greatest and longest stock market boom in history. It happened during their child-rearing years; as they purchased massive amounts of goods and services. Now, Baby Boomers are empty nesters and spending less and less each year. The “X-Generation” is one of the smallest generations in history. The X-Generation are in their 40s and unable to replace the past consumption rate. Thus, the economy will be in a continuous free-fall until 2023 when the “Echo Boomers” (a group about the size of the Baby Boomers) will create the next great stock market bubble boom era. It’s that simple!!! Harry Dent was the only economist to correctly forecast the decade-long Japanese depression! During the 90s financial planners dressed in blue suits, white shirts and ties, in large office buildings across the country, convinced people to switch from safe bank products to risky investments. It is an historic sales success story! Nearly 80% of the population was sold new financial strategies, based on diversification, to reduce the risk and offset inflation. The process was so successful; the next generation has the assumption engrained in their mind. Any suggestion to the contrary is immediately rejected. Of course, the assumption that periodic stock market losses will be recovered within a few years is false! Certified planners continue to recommend accumulation strategies. Harry S. Dent forecasts the stock market will crash and continue to decline 60% by late 2012. Accumulation planning will fail!!! If you are a Baby Boomer, you have been taught retirement planning was the process of accumulating wealth for a later day. Then, when retirement arrives, you simply live off of the continuous earnings. One piece of knowledge often missing is a good understanding of the amount necessary for a comfortable retirement lifestyle. Your parents believed retirement planning was living off the interest earned on bank accounts, back in the days when interest rates were around 7%. My mother would switch banks for a fraction of a percent. Baby Boomers switched to securities years ago with the introduction of 401(k) plans; and now, they still plan to live off of the annual stock price appreciation! Same idea, but not the same safety! Boomers cannot rely on high growth investments or value investments offering dividends. They cannot depend on stock price gains and added contributions will evaporate. This planning approach won’t work in a depression. By the way, financial planners make money from fees on money under management. If you transfer investments to a money market account, their income stops! So, there’s an incentive to keep you invested, even if it means you may lose money! When was the last time your advisor suggested to go to cash? Once you know why this economic disaster is happening, you can create a better retirement plan; rather than, reacting to the whims of the economy. Whereas, wealth accumulation was recommended during the stock market boom years, wealth protection is recommended during the winter stage of our new economy. A conservative retirement plan will be critical for maintaining a comfortable lifestyle. Forget old accumulation format, it won’t work! There are many advisors who recommend fixed indexed annuities. This strategy varies widely from company to company; and, in my opinion, only a few companies have annuities specifically designed for the next great depression. Most fixed indexed annuities come with a “Lifetime Income Rider,” and the strategy depends on a continuous rising stock market. I do not recommend them. The riders are nothing more than a different form of the accumulation approach. In order for the riders to work, the annuity account value must accumulate a large sum over the life of the retiree. Such an assumption requires a stock market boom during the depression! Rating services are investigating these riders and the lack of reserves needed to fulfill the contractual terms. My calculations show these riders and reverse mortgages may fail in twenty years. By that time, government bailouts may not be popular. My strategies use minimum guaranteed interest rates. I have personally created a million-dollar retirement plan with minimum guaranteed interest rates. In some years, I have earned double-digit interest rates and in other years the minimum guarantee. I’ve never lost money! Every client receives a written retirement plan, illustrating guaranteed account values for life. See the sample plan on this web site titled, “Retirement Wealth Protection: A New Planning Strategy.” These are the only wealth protection strategies specifically designed for the 2010-2022 depression. And, the individually-prepared planning document prepares the client for the reentry into the stock market in 2023. I recommend clients skip the crash and survive until the “Echo Boomers” force the stock market into the next great stock market bubble boom! The plan structures the client during the 2010-2022 depression. In eight of the specific years, the client is instructed to select a fixed interest rate option. In the other five years, the indexed interest rate is recommended for a potential double-digit return. It’s a road map to protect and grow the client’s wealth that has worked for fifteen years. This is a way to be in the right place at the right time! The people with money during the 1930s great depression made even more money. It takes money to make money! So, keep your money safe! If you lose 60% of your retirement money invested in securities, you will be forced once again into the recovery mode. That’s a losing position! Why should you believe Harry Dent when years ago he forecast the Dow would reach as high as 40,000 by 2010? First of all, his demographic research and forecast assumed all investments stayed in the stock market. That did not happen! Rather, investments switched to real estate and commodities after the 911 attacks on the United States. If there were an index of all investments, it would show he was correct. The information kit’s two timely written reports are not included on this web site. I am a teaching adviser. Once you have completed your study, you will be eligible to meet with me in the privacy of your own home. I have been trained by Harry Dent on how to protect your retirement! When the stock market dropped, none of my clients lost any money™. My clients have every nickel they have ever earned. I am one of the most successful financial consultants in the country. There are no fees and you pay no commissions. Thus, you have nothing to lose! Wally Mackey, President, RFC, CSA Charter Member and Master Certification Harry S. Dent Advisers Network Sycamore Group, Inc. (888) 777-8685 Copyrights Reserved, 2010