“The difficulty lies, not in the new ideas,
but in escaping from the old ones.”
John Maynard Keynes
“The General Theory of Employment, Interest and Money”
Create a TAX FREE Retirement
and/or what may be your
"Last Chance Retirement!"
"This is the best definitive book on Retirement Planning that I
have ever read! This book will be great for consumers, but
also great for insurance agents to learn about the value of IUL."
Consensus Opinion of Hundreds of "Safe" Retirement Savings Advisors!
Tax FREE Retirement Savings!
Tax FREE Retirement Income!
Tax FREE Inheritance for Heirs!
Better than a Roth!
Learn how to just say "NO" to an
IRA, 401k, 403b, 457, SEP, Roth or Keogh!
The Best College Savings Plan!
Be Your "Own Banker" and
never have another late fee!
Also, the most Secure way to implement Home Wealth Management!
"Just as important as how much you make is how much you KEEP!"
“While there have been many books written about the Private Plan alternative retirement strategies, "Last Chance Retirement" will likely become "THE" handbook for knowledgeable financial advisors who want and need to understand the how behind the why. Brett's book gives an excellent historical review on mortgages, Private Plan's, IRA's, Qualified Plans and the like. Without question he is the numbers wizard! He then drills down deep and “pulls back the curtains” on these concepts to provide both advisors and consumers alike the facts about how these programs can work together and how to best produce the results they are looking to achieve for retirement.”
Randall A Luebke - RMA, RFC & Director of The Academy of Mortgage Planning. Newport Beach CA
“I have been in the Financial Services business 30 years. This is the best book on Indexed Life Private Plan's and Retirement Planning that I have ever read! This book will be great not just for consumers, but also for agents to learn about it and how to use it. I believe every Financial Advisor should read this book! It is full of unbelievable stuff - get yourself a copy!”
Ron Petrinovich - CEO of FEG (one of the largest financial advisor agencies in the U.S.) / San Jose CA
"I am excited about your book. I have been teaching these principals for the last 14 years. It is great to see someone put it into a book that can be taught and shared with so many that need to understand the POWER of Private Plans. Now adding index crediting, it’s like adding turbo charge. Thanks Brett!"
Bob Gaston, Jr
Chief Operations Officer
"This book is MUST read for all of us financial freedom fighters! Brett has powerfully documented the devastation of taxes on Americans retirement dreams and welfare. His book is a compelling wake up call to all of us. It accurately paints a bleak picture of the financial status of most Americans with reference after reference. Thankfully Brett points us to the SOLUTION… the way of escape!!! I now refer to his book frequently for my clients and my agents. If you want to be informed and on the cutting edge of the latest news on the retirement scene get this book. Read this book. Study this book! Give it to a friend!!"
PS “One of my agents just got your book today (and the booklets), and he is VERY excited - said he couldn't put it down once he started reading it!” Bob Brotherton /Exec. Field Chmn / First Financial Services / Tampa FL
* “I liked how you used so many independent third party expert sources to ‘state the facts’. I think for the most part the two main things I got out of it were Tax Free income, and no risk of loss of investment. I thought your book was great!” Will Stiverson / Fenton, MI
- - - - - - - - - - - - -
Please be aware that www.lastchanceretirement.com is NOT associated with me. It belongs to an advisor who bought my book and now uses it to attract agents to his services. This is the correct and ONLY site for information on and to obtain "Last Chance Retirement" and the Booklets.
TAX FREE RETIREMENT!
What if there was a way to save for Retirement that is Tax FREE! There IS! It is a Non-Qualified (meaning contributions are made after-tax just like a Roth) Indexed Life (IUL) Private Plan approved by Congress and the IRS. But unlike a Roth there are NO income limits, and unlike it and other Qualified Plans (401k, 403b, 457, IRA, SEP, Keogh) there are NO contribution limits. Also, unlike a 401k, 403b and 457 there are NO loan limits and NO loan repayment required! There are NO pre 59 1/2 early withdrawal IRS and state penalties! There are NO age 70 1/2 mandatory distribution requirements! Just as importantly - there is NO Market Risk!
These are just a few of the many differences. It also does something unique NO Qualified Plan can do: with just one (monthly) contribution it can guarantee funding a lifetime of contributions and earnings for a survivor spouse -- Tax FREE!
"The power to tax involves the power to destroy."
Chief Supreme Court Justice John Marshall / 1819
Ask anyone what they think is going to happen with taxes over the long-term and the answer is always the same -- "go UP!" They have to because (in part) the National Debt is the largest it has been since WWII -- and growing! Just when the largest generation in the history of this country (and the world) started retiring in 2008 -- and with Medicare and Social Security already technically "broke". This year for the first time, Medicare paid out more than it took in -- it is expected to be bankrupt in 2020. The GAO and experts like Alan Greenspan state benefit taxes MUST double or benefits must be cut in-half for Medicare and Social Security to stay solvent.
FORBES: The Deferral Tax Trap
"Do you really want all your liquid assets in 'Qualified Plans'? Federal taxes ... are comparatively low now ... and it seems likely taxes will climb. It sounds like heresy to workers who have been unremittingly lectured for the past two decades to save more in their IRA's and 401k's, ... but the truth is that there is such a things as too much tax deferral."
If you know taxes eventually MUST go up, does it make sense to defer paying that bill knowing it means paying MORE? And doing so on ALL the gains too?
With a Private Plan you pay the taxes at today's lower rate, and unlike a Qualified Plan you can withdraw your Retirement Income Tax FREE! And you can leave the remainder to your Heirs Tax FREE! This is the only plan you can save in that will allow you to eliminate Tax Rate Risk from your savings forever!
"There are two times when a man shouldn't speculate:
when he can't afford it -- and when he can."
History shows that the best way to save for retirement is in the "market". Unfortunately many studies show actual net returns for the average person are only about 3% to 5%. This is why the experts say the best way to invest is in an Index Fund, and the index typically used is the S&P 500. $1 in the "market" on 12/31/1999 -- 10 years later on 12/31/2009 (net 3% [industry avg - Morningstar] yr mgt. and transaction fees) is worth only 45 cents today -- a NET IRR of -7.67% per year!
Albert Einstein stated: "Insanity: Doing the same thing over and over and expecting different results". It is time to try a different way! With a Private Plan, you can invest with returns linked to an Index Fund. Because your savings are NOT "in" the market, your account value does NOT go down because of drops in the market. That same $1 in a Private Plan today could be worth about $1.50! That you could access Tax FREE!
Rule #1: Never Lose Money
Rule #2: Never forget Rule #1
LAST Chance Retirement
This book will answer all your questions about what is an Indexed LIfe (IUL) Private Plan; the differences and many more benefits between it, a Roth and Qualified Plans, and:
Just as importantly, what makes this book unique is that the foundation to the answers to these questions is NOT based on why I think they should do this, BUT on what the "experts" say! The Book includes many quotes, articles, laws and irrefutable studies of recognized institutions, universities, financial and government policy experts to inform and validate why a Private Plan is a much better way to save for Retirement.
Regardless your age, this is a plan you need to do instead! WHY? A recent GAO report stated 37% of those age 18 today will reach retirement age with NO savings! Someone age 55 today has on average only $10,000 in savings! Someone age 65 today on average has enough savings to replace $4,400 annually, or only 9% of their income! 33% of today's retirees rely on Social Security for 90% of their income which on average for a couple, is only $1,500 a month!
Why is this a problem?
An IUL Private Plan can also create the wealth needed for these costs. But with the 'right' plan it can also include -- at NO additional cost -- a benefit to cover many of these expenses even with only a few hundred dollars saved in your plan! And with a Terminal illness diagnosis (2 years or less to live) a benefit of up to $1 million to use any way you want - including treatment to SAVE your life! By law, a Private Plan is the only savings plan that can include these benefits! It can also do something else a Qualified Plan, Roth, mutual funds or stocks by law cannot do: It can guarantee in the event of your premature death that the savings contributions will be funded until Retirement for a surviving spouse!
This is the tip of the iceberg of what you will learn! There are so many benefits to a Private Plan that to tell you about them all it turned into a 330 page book! This Retirement Plan is great whatever your age and current needs, just ...
DON'T wait until it is too late to learn how a Private Plan could benefit you -- it may very well be your "LAST Chance Retirement"!
"There are risks and costs to a program of action.
But they are far less than the long-range risks
and costs of comfortable inaction."
John F. Kennedy
"It ain't what you don't know that
gets you into trouble.
It's what you know for sure that just ain't so."