This Testimonial says it all!

  "I am 26, married with a 2 year old son. This Booklet is about those my age being our Own Banker, but it is about so much more. It is the first piece of information I've seen that really, seriously addresses the issues those of us in our 20's have. I believe taxes must go up for us to cover my parents and grandparents generation. Also, I personally cannot convey enough that a "pension" or Social "Insecurity" is not going to take care of my generation, so what do I and my wife really have to turn and look forward to?

  At my age I truly feel those of us in our 20’s and 30’s need to worry more about taking care of ourselves for all our possible needs - now and retirement. How do we really do that? There are also many people under 59½ who will have a health or employment issue, and may need large sums of cash without penalty - and for Retirement. Where will we get this?

  One of the other biggest wake up calls I see with this booklet is informing us of the importance and value of the need for Living benefits even now. Those of us in our 20's believe we are indestructible - but my cousin this past month had a heart attack at 30. He has a wife and two kids. Just a week later, his father, my uncle, died at only 52 of a heart related problem.

  Most believe a Roth and buying term is the savings answer. Many of us also think we're "experts" in the market, and that we can be the ones to actually outsmart it finally. We do sell when the market goes down, but as an advisor I see most won’t start buying again until it has already been going up for long periods of time. The Own Banker concept solves these problems!

  This booklet helps direct us to see too that it makes more sense to pay the taxes now at a cheaper rate. Also that by being our "Own Banker", we are guaranteed a large cash benefit to cover a major illness if needed, and a “market” return to create tax free retirement savings and income, without the stock rollercoaster worry! After reading this booklet, no one in my age group will ever be able to say "If only" someone had told me how!" Will Stiverson / Fenton MI

"This is great!  It is straight forward and factual.  There are fewer and fewer reasonable choices available that will legitimately provide you with a retirement income.  I believe that when you factor in “taxes” you effectively remove several of those choices.  I look forward to an opportunity with this Booklet to help the twenty and thirty somethings not make the same mistakes as us older somethings."             Mike Finder / Granada Hills CA

"This Booklet is another great contribution! When I get these booklets out to prospects, I'll clearly gain new clients. "Being your own banker" definitely has an appeal!"  Harry Sonke / Riverside CA

"I just finished reading “Be Your Own Banker” and I LOVE IT!  I have two sons, one 35 and one 30.  This really hits home and they will “listen to this sage advice in this format” much more readily than if I told this to them.  Your story telling is compelling!  Keep up the good work!" Bill Buettner / Campbell CA

BOOKLET

Now Updated with
market #'s to 12/10!

  This 40 page Booklet is about HOW and WHY those in their 20's and 30's (and 40's) MUST start saving NOW for Retirement.  And that the Best way to do this is by being your "Own Banker" in an IRS approved Private Plan!

  Over a lifetime 34% of your income will be spent on interest!  By saving in a Private Plan, after just a few years a person can self-finance most of their Life's wants and needs (cars, vacations, boats and "toys") and at the same time create Tax Free Retirement Savings and Income! 

  This plan also Guarantees that if the need arises, an Advance of up to a $1 million for a terminal diagnosis, and several thousand $'s a month to pay for Convalescent Care.  An Own Banker Private Plan can also Guarantee their childrens College is paid in the event of a premature death; Cash to pay for kids College and Retirement if they live; and Retirement Savings completion for a surviving spouse.  All of it TAX FREE!

  By being their Own Banker they can also earn "market" returns without the stock roller coaster ride.  This combination of Benefits, Features and Guarantees CANNOT be matched by a Qualified Plan or Roth.

  For those in their 20's and 30's, this Booklet is a Great Door Opener and Conversation Starter - and Closer!

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Pricing Information is on the Order Page.

GAO Report / 11 December 2007

edlabor.house.gov/publications/401k-GAO-Report-Low-Savings.pdf .

Young workers just entering the work-force will only save enough money in their 401(k)s to replace 22% of their   pre-retirement income, according to a Government Accountability Office report released today.  It states 37% of workers born in 1990 will reach retirement age in the 2050s with NO savings at all in a 401(k)-type account.

“Unless we act now, too many workers just starting their careers today will unfortunately face a less secure retirement than did many of their parents.”

                           MEN

 For the first time since 1925, the Income of Men in their 30’s, (adjusted for infla-tion) is LESS than their Father’s:

Income 2004: $35,000

On average income down 12%

Income 1974: $40,000

FAMILY INCOME

Family Income from 1820 to 1972

increased 52% per generation.

Family Income since 1973 is increasing

only 17% per generation.

WOMEN

Star Tribune May 12, 2007

“Women as a group face some unique challenges. On average women earn less money than men (80 cents on the $) and spend less time in the workforce in order to raise children or take care of aging loved ones. Most women will be on their own financially at some point in their lives because they divorce or out-live their husbands. Only through financial planning can women ensure that they won’t outlive their money. This is a common worry. Women (need) to save 15 to 20% of their income no matter what.”

“While most women feel the need to care for parents later in life, few people plan for that financially. (Not doing so) can mean lost income and increased expenses (and lost retirement benefits) - significant sums for each. Half the women surveyed said they worry that they don’t have the financial means to help their parents receive quality care. Therein lies a key problem: Even women planning their financial future often don’t plan for all of it.”

 AARP: "Women also share a fear that has been coined the "bag lady syndrome." Studies concur that even the wealthiest female investors fear that they will outlive their assets. This fear is often fueled by the knowledge that they are probably going to outlive their fathers, husbands, brothers, and maybe even their children. In fact, 90% of women will become solely responsible for their finances at some point in their lives"