DON’T BE PART OF THE LOOMING

BOOMER RETIREMENT CATASTROPHE!

Putnam Investments Retirement Survey 2005

“A majority of retirees said their BIGGEST MISTAKE

in planning for life after work was failing to invest in

TAX FREE accounts.”

Qualified Savings

A 403(b), 457, IRA & SEP are

NOT Tax Free.

A Private Plan 7702(a):

it IS “TAX FREE”!

Qualified Savings Plans are a Failure because of Deferred Taxes, Investment Costs & Stock Market Losses!

The TOTAL Return of the “Stock Market”

the past 9.2 Years

(1/1/2000 to 3/9/2009) =

- 54%!

AND LESS -1.5% year

(or more) in FEES =

-60%!!

But if you also factor in the LOST Opportunity Cost of 7% per year

(less 1.5% yr in fees),

savers expected today to have $1.63 per $1, not 40 cents.

Just to get back to 0% loss you have to earn 150% overnight!

(-60% + 150% = 0)

To make up lost opportunity too you have to earn 307%!

This is NOT what BOOMERS wanted/needed the decade

before they started to Retire!!

IT’S TIME TO TRY
ANOTHER WAY!

To Order click on the Order Tab in the column
on the left or the link at top of page.

"Over time most families could end up with nearly all their financial assets in tax-deferred accounts. All that deferral works wonders if you or your heirs withdraw money decades hence at the same or a lower rate than you would have originally paid.”

“But federal taxes on salary and other ordinary income are comparatively low now. The top marginal rate is just 35%; Considering the current budget deficits and the coming bulge of retirees who will run up Medicare and Social Security costs, it seems likely taxes will climb ... every penny you eventually take from a pretax 401(k) or a deductible IRA is taxed at the much higher ordinary income rate.”

“It sounds like heresy to workers who have been unremittingly lectured for the past two decades to save more in their IRAs, 401(k)s (and 403(b)'s), … but the truth is that there is such a thing as too much tax deferral.”