Archive for the ‘RETIREMENT’ Category

The Real Impact of Only 2% Fees Charged in Qualified Plans.

Because in the financial world we are not told the truth about certain products and certain assets, it makes it very easy for them to put their assets in a light that is not realistic. When we go through it with the software, even though the software is not designed to highlight a particular product, […]

November 4, 2014 · Jennifer · No Comments
Tags: ,  · Posted in: 2% Fees in QP, Avoid Qualified Plans, FEES - 401k, Qualified Plans, RETIREMENT

Are you Saving or Investing for your passive income years (retirement)? Safe or Risk?

Beginning back in the late 70’s and early 80’s we began to make a transition in this country as it relates to saving for our passive income years (retirement). Up  until  that  time,  people  “saved”  for  retirement.  They literally  put  money  in  savings  accounts  to  be  used  in  the future  when  they  retired.  Beginning  with […]

July 19, 2014 · Jennifer · No Comments
Tags: , , , , , , , , ,  · Posted in: RETIREMENT, SAVING vs INVESTING, Uncategorized

Avert the Social Security Crisis by Robert Bennett

  CLICK BELOW FOR ACCESS to ARTICLE – Avert the Social Security Crisis    Article written: Monday, Jan. 13, 2014   BY:  Robert Bennett, former U.S. senator from Utah, is a part-time teacher, researcher and lecturer at the University of Utah’s Hinckley Institute of Politics.

January 21, 2014 · Jennifer · No Comments
Posted in: Avert Social Security Crisis, Avert Social Security Crisis, RETIREMENT, SOCIAL SECURITY

Qualified Plans – 3 informative articles

  Three great and informative articles about Government Sponsored Qualified Plans:   1. QUALIFIED PLANS – Financing Your Future Or The Governments   2. QUALIFIED PLANS – The-Deferral-Trap -401K   3. QUALIFIED PLANS – The-Elephant-In-The-Room-When-It-Comes-To-Family-And-Retirement – Ken-Dychtwald        

December 10, 2013 · Jennifer · No Comments
Posted in: Qualified Plans


The baby boomers have been sold a massive bill of goods. This started back in grammar school and continued right through college. This myth was based upon certain principles that were geared to reward conformity and ultimately punish any pursuit outside the realm of the status quo. While this indoctrination was not transparent or even […]

December 4, 2013 · Jennifer · No Comments
Tags: , ,  · Posted in: 401k Rule Change

One More Reason for Maxing Whole Life Insurance in Your Family Financial Plan.

Click title below for full article 4 Steps to take now that S-t-r-e-t-c-h IRA’s are in Danger by Forbes   7/11/2013 @ 12:03PM The personal finance headline coming out of the Senate yesterday was that Democrats could muster only  51 votes for a bill to extend the low 3.4% interest rates on subsidized undergraduate student […]

July 11, 2013 · Jennifer · No Comments
Tags: , , ,  · Posted in: RETIREMENT, STRETCH IRA, STRETCH IRA's in Danger

The Retirement Gamble – FrontLine on PBS

FRONTLINE on PBS has aired a one hour program entitled The Retirement Gamble. . They also have featured R o b e r t H i l t o n s m i th who wrote the Retirement Savings Drain Click the link below to watch it

May 24, 2013 · Jennifer · No Comments
Tags: , ,  · Posted in: RETIREMENT, Retirement Gamble

The Retirement Savings Drain

Click link below for full pdf article The Retirement Savings Drain   b y R o b e r t H i l t o n s m i th The brief simplifies the complex world of 401(k) fees by exposing four major fee categories: administrative, marketing, asset management, and trading. It details the costs […]

May 24, 2013 · Jennifer · No Comments
Tags: , , , , ,  · Posted in: FEES - 401k

How the Govt. is coming after your 401k and IRA

How the govt. is coming after your 401k and IRA

December 23, 2012 · Jennifer · No Comments
Tags: ,  · Posted in: 401(k), 401(k) Falls Short, 401(k) Hidden Fees, Avoid Qualified Plans, Insiders Look 401(k), Raiding 401(k) - Senate Bill Seeks to Limit, RETIREMENT

More Utahns raid their 401(k) so Senate bill seeks to limit 401(k) borrowing

  More Utahns raid their 401(k) May 24th, 2011 @ 8:35am By Paul Nelson   SALT LAKE CITY — Not only are more Utahns taking money out of their 401(k), but many of us are canceling our payments into the account. AAA Fair Credit Foundation President Preston Cochrane said, “People react quickly and maybe not […]

May 27, 2011 · Jennifer · No Comments
Tags: , , , ,  · Posted in: Raiding 401(k) - Senate Bill Seeks to Limit, RETIREMENT

Avoid Tax Qualified Plans like the Plague. Nelson Nash

Tax Qualified Retirement Plans, etc. By R. Nelson Nash August 1, 2009 Back in 2000 I wrote Becoming Your Own Banker – The Infinite Banking Concept and in it I briefly addressed the subject of retirement plans and specifically Tax Qualified Retirement Plans. Since that time it has become more apparent to me that this […]

May 14, 2011 · Jennifer · No Comments
Tags: , , , , , , , , , , , , , , ,  · Posted in: 401(k), 401(k) Falls Short, 401(k) Hidden Fees, Avoid Qualified Plans, Avoid Tax Qualified Plans, RETIREMENT, Unintended Consequences, Whole Life vs Social Security

Insiders Look at the 401(k) Tax Saving Strategy

Funny how 401k’s are called ‘savings’ plans when in fact they are ‘investment’ plans. Savings are meant to be ‘safe’ and investments come with a degree of, high, medium or low, ‘risk of loss’. How Much Tax Have You Really Saved When You Withdraw Your Retirement Income From Your 401(k) 30 years later? Step 1. […]

April 7, 2011 · Jennifer · No Comments
Tags: ,  · Posted in: 401(k), Insiders Look 401(k), RETIREMENT

4 Things That Make You Poor – and A Solution.

Video Interview for TIME MAGAZINE with Robert Kiyosaki Rich Dad Poor Dad Click here to view video   Robert – “I don’t need a retirement plan because all of my assets produce income.” Time Magazine Interviewer – “Are there some people who should play it safe, do the traditional route and just pick up a […]

March 31, 2011 · Jennifer · No Comments
Tags: , , , , , , , , , , , , , , ,  · Posted in: 4 Things Keeping 90% Poor, 4 Things That Make You Poor, Kiyosaki - Conspiracy of the Rich, Kiyosaki on Retirement Plans, TIME magazine, VIDEOS

Retiring Boomers Find 401(k) Plans Fall Short

RETIREMENT PLANNING – FEBRUARY 19, 2011 By E.S. BROWNING Jason Henry for The Wall Street Journal The Websters thought they had “the perfect plan” for retirement says Patti, pictured with her husband Bob. The 401(k) generation is beginning to retire, and it isn’t a pretty sight.

March 6, 2011 · Jennifer · No Comments
Tags: , ,  · Posted in: 401(k) Falls Short, Retiring Boomers

Un-intended Financial Consequences

1/3 of working population to pay for 2/3 of retired population – soon coming In 3000 days, about two-thirds of the now-working population will be 60 years old or older. This is a certainty! Unfortunately, this leaves one-third of the now-working population to pay for all the government social programs for a majority of retired […]

February 25, 2011 · Jennifer · One Comment
Tags: , , , , , , ,  · Posted in: Unintended Consequences

IRC 401(k) Hidden Fees Revealed – Life Insurance Instead

Two videos – The first reveals the hidden fees charged to your 401(k) and the second recommends retiring the 401(k) and using Life Insurance instead.     Click here to view part one of three  – Hidden Fees in 401(k) Plans   Click here to view part two of three – Hidden Fees in 401(k) […]

February 13, 2011 · Jennifer · No Comments
Tags: , ,  · Posted in: 401 (k) Hidden Fees, 401(k) Hidden Fees, Hidden Fees Revealed 401(k), Replace 401(k) w/ Life Insurance, RETIREMENT, VIDEOS

Stay Away from 401(k) – A Safer and more Lucrative Alternative is Available.

A 401(k) ALTERNATIVE Insanity is doing the same thing you have been doing and expecting different results. Einstein.   My main concern is  preservation of capital, safety and guarantees for your money. If you like to take risks, what I suggest probably won’t interest you.

February 19, 2010 · Jennifer · 3 Comments
Tags: , , , , , , , , , ,  · Posted in: 401(k)

Whole Life Insurance vs Social Security

Whole Life Insurance vs Social Security – Galveston Did you know that in 1983 congress changed the laws so that other counties could not copy what Galveston had done 2 years earlier. Galveston County (like a few others before it) pulled out of the Social Security system because they found a safer and more flexible […]

January 9, 2010 · Jennifer · 2 Comments
Tags: , , , , , , ,  · Posted in: RETIREMENT, SOCIAL SECURITY, Whole Life vs Social Security, Whole Life vs Social Security

Multi-Task Your Money By Understanding Core Banking Principals and Tier One Assets.

Multi Task Your Money by Understanding Core Banking Principals and Tier One Assets It seems to me that what we are constantly being taught to do with our money is exactly what is best for the financial institutions. They have their profits in the forefront of their advice to their customers. You and only you […]

September 10, 2009 · Jennifer · 5 Comments
Tags: , , , , , , , , , , , , , , ,  · Posted in: 401(k), Multi-Task Your Money