In both scenarios, you lose money which is called "Lost Opportunity Dollars." There are no exceptions. As mentioned earlier, the average American spends as much as 34% of all of their after-tax income on interest for their mortgages, car loans, and credit cards — and they save less than 5%. Yet most financial advisors focus on getting a higher rate of return on the 5% of savings—completely ignoring the volume of money spent on interest! What a tragedy and what a mistake! Let's have a conversation and change that scenario for you and your family. By using Privatized Family Banking (PFB), you will be able to recapture some of the Lost Opportunity Dollars you are currently losing. You are about to see the power of being in control of your own money through Privatized Family Banking (PFB). It requires no guesswork or luck, just some guidance from a professional who is trained in helping you find the money by recovering Lost Opportunity Dollars (LOD) through a simple planning process. One note of importance — I recommend you only work with a true professional who understands the 580 IRS Code for Retirement Planning and the 7702 IRS Code for Retirement Planning. I have seen life insurance agents cost people large sums of money, and that is why I only recommend comparing a Universal Indexed Life with a death benefit, a whole life policy with an A+ Superior rating and a Standard & Poor's AA, and at least a 95 out of 100 on the Comdex Ranking system. Each policy has its advantages, and both minimize risk. The definition of Risk = you can lose everything. Why is my recommendation important? It's because so many financial advisors do not have the experience of suffering through some of the hard times that a veteran financial planner does. Most weren't around in October 1989 when the Dow Jones dropped 22.3% in one day. Most weren't around from 2000 through 2002 and witness market corrections during that period. Many weren't around in 2008/09 and witnessed so many Americans losing their jobs, their homes, and a large portion of their retirement money.
115
Made with FlippingBook. PDF to flipbook with ease