Below are some "Dirty Little Secrets" about investing that Wall Street, and numerous industry trained advisors would be content if they remained unknown.  This is public knowledge, but the major brokerage houses are hoping you're not paying attention.  Many brokers have a flavor, or investment of the week philosophy.  It is dictated by the home office, and determined by the amount of bonuses they receive for making a quota, on a particular product.  As a rule, many of these products pay high commissions, have large management fees, substantial early withdrawal penalities, and ultimately medicore, at best, ROI.  Adding insult to injury, they even charge a fee for their advice.  If you have worked with any of these operations, your portfolio may have suffered substantial losses in the last 18 months. 

Have you been asked to come in and get what remains of your portfolio balanced, after the latest market meltdown(s)?  And, aren't you paying your broker 1% to 3% to manage your investments?  Many investors are still down from the 2000-2001 and the 2008 meltdowns and to add insult to injury, they are STILL paying 1%-3% to their investment advisor whether they lose money or not!

Many financial advisors recommend that you diversify for your own protection. What they fail to tell you is that it is also for their protection. Since most financial advisors cannot tell you exactly which stock or mutual fund is a great investment, they tell you to buy a bunch of them.

Instead of diversifying, Robert Kiyosaki's dad taught him to focus on finding the best investments. That meant sifting through hundreds of offers, studying, analyzing, and determining the pros and cons of each. Learning to focus was one of the best real-world business lessons he received from his rich dad. It helped him become a better entrepreneur and investor. Focusing on investments also allows him to make more money with less risk, because he is not buying a bunch of sub-par assets and praying they will do something.

Our investments do not require a management fee!  

According to Dalbar Inc., a firm that analyzes the ACTUAL returns investors get in the stock market, over the last 20 years, the typical investor barely beat inflation, and some types of investors actually lost ground, after adjusting for inflation. 

Congress is still looking into the  Madoff scandal. Oh Great!! The guy who made $50 Billion disappear is being investigated by the people who made $1.5 Trillion disappear!

You will also hear that diversification is a must and you need a balanced portfolio of stocks, bonds and mutual funds, but each asset class, except cash, gold and a couple we offer, lost value in the last two meltdowns.  Therefore, we consider mainstream diversification an equal opportunity loser if it does not include investments that have proven returns with little or no market risk.

Warren Buffett, one of the world's greatest investors, said, "Diversification is a protection against ignorance. It makes very little sense for those who know what they are doing."

Our investments helped offset loses due to the drastic drops in the stock market rollercoaster. Our products make money during the busts as well as in better times.

As a public service,  we appreciate the opportunity to share the many "Dirty Little Secrets" of the self proclaimed "gurus" with you.

You've probably heard that the definition of insanity is continuing to do the same thing over and over again, while expecting a different result!  This could certainly pertain to the stock and bond market as well as mutual funds!

Over the last 80 years, it's the norm, NOT the exception, for the stock market to stall (end up back where it was years earlier) for painfully long periods of time: 1929-1954 (a 25-year stall), 1964-1981 (a 17-year stall), and 1998-2009 (eleven years and counting).  That covers 52 of the past 80 years, or 65 percent of them!

Here's the reality:

• It's never going to be different.

• Today's "Hot Investment" is almost always tomorrow's loser.

• Real wealth and financial security don't come from doing what everyone else is doing.

• Real wealth and financial security comes from building a strong financial foundation and not relying on luck, guess work, or the so called financial experts to grow your nest egg and secure your retirement.

• 80 percent of all investment experts and mutual funds "FAIL" to equal or beat the market indexes, and many lag behind by a significant margin.

REMEMBER, over the last 20 years, the typical investor barely beat inflation.

The fact that most pre-retirees are postponing retirement, and many retirees are being forced to go back to work at a time when jobs are increasingly scarce, ought to be all the proof we need that traditional investing and planning methods aren't working!  (This was already happening before the recent financial meltdown).  However, we think the problem goes much deeper.  The real problem is that many Americans never stop looking for the quick-fix or magic pill solution.  And because we seem to be suffering from an epidemic of Attention Deficit Disorder, we quickly forget the experiences of just a few years ago.

That's why only a few years after the internet & dot.com bubbles burst, eliminating trillions of dollars of wealth and throwing the country into a recession, the real estate bubble took its place. The ripple effect from the real estate bubble bursting will be far more devastating.  Some people never learn, as otherwise intelligent folks, allow themselves to be lured in by thinking things like, "this time is different," and "this investment can't go down," or, "I'll know when to sell."

Once again, just in case you have forgotten!

• It's never going to be different.

• Today's hot investment is almost always tomorrow's loser.

• Real wealth and financial security don't come from doing what everyone else is doing.

• Real wealth and financial security comes from building a strong financial foundation and not relying on luck, guess work, or the so called financial experts to grow your nest egg and secure your retirement.

• 80 percent of all investment experts and mutual funds "FAIL" to equal or beat the market indexes, and many lag behind by a significant margin.

Our Investments ARE NOT for Everyone!

They ARE NOT for you if:

You’re a gambler, who enjoys the rush of the ups and downs of the market!

If the challenges of finding a hot stock and getting in and out of the market excites you, we are not a good fit!

If you wake-up and run to your computer, or the business section to see where you stand, our programs will bore you!

Our investments are not very sexy or exciting, as they will simply continue to grow, with little or no fanfare.  You will be buying at the bottom and selling at the top, which is something very difficult to do consistently in the stock market.  The biggest thrill with our investments, will be the type of retirement you will be able to enjoy. 

Are we right for you? You'll never know if you don’t ask questions and investigate our concept.  It's a "New Day", and most likely, it isn't too late to correct your current financial position.  Why not start by being proactive and looking into some alternatives to the market's rollercoaster ride?  Explore the options for putting your retirement plan in forward gear - permanently. 

Send us an e-mail or give us a call.  We will schedule an appointment at your convenience, and we'll come to you, if you are in the Dallas, Ft. Worth, Austin, Houston and San Antonio areas.  You have nothing to lose; you will know your options, and be able to make an informed decision, based on the big picture, and what is best for you and your family.  In reality, it can only get better.  Wouldn't you agree?

The government's not going to rescue you, nor is your employer.  It's up to you to take control of your financial future, as you are on your own. 

The market is right back where it was ten years ago. 

If history is any indication, you could wake up another eight to ten years from now, and the market could STILL be back where it was in 1999, and you will have lost TWO decades instead of one.
Could something like this happen again? 

Who knows?  We don't, your advisors don't, and neither do all the talking heads on TV.  That's one of the major problems, as many Americans have pinned their hopes for financial security on things they can't, never could, and never will be able to predict, depend on or control. 

If you'd like a quick summary of what a No Market Risk Investing plan consists of, here it is in a nutshell:

It will be a safe, proven alternative to traditional savings and retirement plans.  Our plans will allow your money to grow in an exceptionally safe, and predictable way year after year.  We have investments with a track record, which are not tied to the market, and have returned well over 10% each year since 1991.  They don't have fancy "Market Speak" names, and certainly aren't as exciting as watching the market go nuts, but you will surely retire with a larger account balance.  As always, and as it should be, It is your choice!  

The Diversification Folly

You must Diversify is and has been tossed around for years by the financial "gurus"!  What asset classes have they suggested to you lately?  Just for the record, every asset class, except cash, gold, and our No Market Risk Investments have not done much. Even with the run up since 2009, they are back where they were 10 years ago. Is that building your nest egg? 

The Re-Balancing Act

Another industry standard buzz phrase is "Come in and we will Re-balance Your Portfolio".  Why not just rearrange the dog mess in your neighbor's yard?  Your results will be the same, as this stuff is BS.  First, if balancing your portfolio is the answer, why didn't they offer that service before the latest meltdown, as there were investments which profited during the last 12 months?  In 2007, I read all kinds of advice and predictions for 2008 and beyond, from the smartest minds in the business, and I don't recall anyone predicting the DOW being down 45% in 2008.  The only worse year was 1931, when the Dow was down 53%.  This disaster had been looming for 18 months, and the pros didn't predict it.  How can you really have any confidence in folks that had you in the market during the last meltdown?  As a profession, many advisors are reactionary, which certainly isn't in the investors best interest.  They must be proactive, or the results will be the same over and over again.   

If you own stocks and bonds outside of your 401(K), sell them and turn them into cash.  If you are 59 1/2, you may self-manage your 401(k) without leaving your present place of employment.

One benefit to selling stocks and bonds today is, you'll recognize a bunch of capital loses that can offset future capital gains.  Your losses might be the only appreciating asset you own.  If President Obama is successful in raising the capital gains tax rates, your losses will shield more expensive future capital gains.  The market will also fall like a rock, as folks will be taking their profits, and getting out before the tax rates are raised.  At that point, you may wish you had cashed in your 401(K) and paid a penalty and taxes, as you would have ended up with more. 

What do we recommend?

After the recent history, why would anyone want to put their retirement at the mercy of the government?  Look around and make a list of the things in which government excels.  It will be a very short list. They have done very well with the Postal Service...NOT!

The market will always be affected by the government and world events. Therefore, we like No and Low Market Risk Investments that are unaffected by things out of our control for a portion of your long term investment dollars.

We offer a very profitable collection of investments which have a great ROI history and proven track record, each and every year.  These products should make the planning of your retirement very successful.