3 major “Risks” that could destroy everything you’ve worked so hard to achieve
“I offer clients an alternative to stocks and bonds, providing them the potential for tax deferred growth without market risk, cash in the event of a chronic, critical illness or death, tax free distributions and I provide up to 75% of the money to fund it!” - Dave Watkins
How would you like to meet this guy? Unfortunately for both of us, many of you will never find the time to introduce yourself.
If you’re serious about planning for retirement, you have three major “Risks” that could destroy everything you’ve worked so hard to achieve:
Market Risk - Which, if you’ve recently been in the market, you have witnessed that risk…again!
Tax Risk - With our country’s debt climbing to uncontrollable levels, are you prepared to lose 30% - 60% of your retirement income to taxes?
Capital Risk - The risk of not having enough available capital, for contributions, in order to achieve your retirement goals.
Saving today…most don’t have the means to save enough and maintain their current lifestyle. And many voluntarily choose to include retirement partners they can’t afford. We’ve been taught to save for our retirement in ways that frankly make little sense considering the outcome they provide.
Think about it…would you voluntarily start a business with a partner who has 200 trillion in unfunded liabilities on his balance sheet? Or a partner who dictates how much of the business profits he takes and when he takes it?
Would you give your precious working capital to a partner who provides no guarantee of safety and has a clear history of losing 30%, 40%, 50% or more from time to time?
Well, that’s where most of the US retirement dollars are…in Wall Street accounts that expose your money to losses, with a retirement partner known as Uncle Sam… who hasn’t declared how much of your retirement money he’s entitled too….yet.
Most of you sense it, some understand it, but no one I talk with likes the idea of retirement account RISK associated with stock market losses, tax increases and the inability to save enough.
Putting your retirement money into things that can cause losses is easy to understand. So is the challenge of saving enough to maintain your lifestyle during retirement… but both are bit more challenging to solve. Primarily because the solutions are a little different from what we’ve always been taught to do… Chase gains at the expense of periodic losses, defer our tax obligation with no understanding of how much we’ll pay when the time comes and finance the majority, if not all of our retirement, alone.
The majority of savers have no plan in place to deal with a critical illness costs or premature death. They have no retirement cash flow that falls into the 0% tax bracket. And at the end of life, most will include Uncle Sam as a beneficiary of their estate.
So, how would you like to introduce yourself ?
I’m pretty easy to get along with. I Enjoy the outdoors, golfing, fishing, hunting with our Lab, boating and water skiing…I’m a pilot too.
But most importantly I’m passionate about sharing an alternative to stocks and bonds, providing individuals the potential for tax deferred growth without market risk, cash in the event of a chronic,
critical illness or death, tax free distributions and illustrating a way to provide up to 75% of the money to fund it!
I’d enjoy hearing from you and can be reach using my direct contact information below.
If you’d like to schedule a few minutes talk - here’s my calendar
You can reach me here too - My personal email address - email@example.com
To your retirement success,
Dave Watkins - Saving & Retirement Planning Specialist
Helping America Protect and Grow Their Retirement Savings