If your broker hasn’t already told you about a product that can’t lose money when the stock market crashes but still grows in value when the market increases, you need to speak with us. No one is an expert in everything related to saving or investing for retirement.
Do you just have one doctor to handle every medical condition that might come up? Of course not. You go to a Specialist. The finance industry is no different. You want to work with specialists in this area. You’ll want to work with us.
There’s an easy way to protect your tax-deferred IRAs, tax deferred 401(k)s, Roth 401(k)s and Roth IRAs from stock market collapses both before and after you retire while still taking advantage of any growth in the market. Think of the strategy as if it was a game of “coin toss” where if the coin comes up Heads you win, but if it comes up Tails you break even. So you can win, but you can’t lose.
Would you like to play the game? Who wouldn’t?
So if you have any IRAs or 401(k)s that you want to protect from future market collapses, go to the Contact Us link on this website and contact us. We’ll be happy to help you, plus you can expect a bonus of between 10% and 25% of the money you transfer just by opening an account.
If you are either already retired or soon to be retired, you know that your future income will have to come from your savings and investments: IRAs, 401(k)s, Rental Real Estate, Stocks and Bonds, etc. These accounts have been used to accumulate the assets you’ll need for your retirement, but most of them are illiquid and are not designed to provide the monthly income you need to replace the steady paychecks you’ve depended on to fund your lifestyle.
We have helped thousands of people just like you safely convert these assets into lifetime income, while growing your accounts to keep up with inflation. Some of our solutions even include Long Term Care benefits at no extra charge. Be sure to ask us how they work. To learn how our professionals can help protect you and those you love, go to the Contact Us section and send us a note. We will design a customized financial strategy for you, and provide it at no charge.
The simple answer is, if the bulk of your money is in S&P 500 based stocks or mutual funds, your investments go down as well. If you are still working, this probably won’t bother you too much, as your current income pays all your bills, and your monthly contributions tend to at least partially offset the market declines. The question you should ask yourself is, would this bother you after you stop working and have to rely on your investments (and maybe Social Security) to pay for your lifestyle?
For people in the USA who retired in 1999 with nice fat IRAs and 401(k)s, they have seen the S&P 500 drop 49.1% in 2000, 56.8% in 2007, 33.9% in 2020, and 21.8% in 2022. How do you think they felt when they saw the value of their IRAs and 401(k)s drop like this? How would you feel if it was you? Granted, the market generally recovers after these drops, but it can take years to do so. What do you do while you’re waiting, other than hoping for the best, but fearing the worst? Do you stop going out for dinner, or cancel that vacation, or wait to buy that new car? What if you didn’t have to worry about the performance of the stock market?
The difference between an IRA and 401(k) strategy and the Income Tax-Free strategy we offer, is that your account goes up when the market goes up, but NEVER decreases when the market drops, your income is 100% tax-free, and your income is guaranteed for life. With our strategy, you won’t have those sleepless nights caused by yet another stock market tumble, and unlike IRAs and 401(k)s, your lifetime income is 100% tax-free.
These are the facts. Which path makes the most sense for you?
If you have large amounts of cash just sitting in Bank CDs, Checking accounts, or Money Market accounts basically earning nothing, we can show you how to safely take advantage of stock market growth with no risk of loss, even paying you a big bonus just for opening a new account.
What if there was a product that had all of the advantages of a Roth IRA or Roth 401(k), like tax-free income and the ability to accept IRA rollovers, but had none of the many Roth disadvantages?
What if there was a product that had none of the Roth drawbacks such as the IRS maximum annual income limitations on contributions, or age limitations on penalty-free withdrawals, or loss of value to your account because of another random stock market collapse?
What if this other product allowed you to take out loans that never had to be repaid? Do you think it might be to your advantage to check it out?
It means that when you start withdrawing money from your account, that income is 100% income tax-free, as opposed to commonly held accounts like IRAs and 401(k)s where all of your retirement withdrawals are taxed 100%, including the contributions you made many years ago. If you have an IRA or a 401(k) now, if you qualify, we can convert it to a tax-free income account whether you are already retired or are years away from retirement.
I don’t know anyone who wants to pay income taxes on their IRAs or 401(k)s when they start withdrawing money, do you?
If you have any of these accounts and would like to see how these Tax-Free Income plans work, go to the Contact Us section and contact us. There’s no charge to find out.
In a nutshell, it can be a better long term savings alternative than ROTHs, standard IRAs, all 401(k)s, and most other tax-deferred plans because there are no upper limits to your contributions, there is no upper annual income limit, you can begin tax-free income withdrawals or tax-free loans at any age with no IRS imposed early withdrawal penalties, you won’t be saddled with RMDs on tax-deferred savings plans, and your account cannot lose money.
Existing IRAs, old 401(k)s, and many current 401(k)s can easily be converted from tax-deferred retirement money into our tax-free retirement strategy if it makes sense for you.
Perhaps most importantly, you’ll never have to worry about stock market collapses that affect all IRAs, all ROTHs, all 401(k)s and 403(b)s, and just about every other tax-deferred savings plan, as your account is positioned to take advantage of stock market gains, but is 100% protected from all stock market losses because your principal and annual gains are never actually at risk in the market.
Professionals in one industry usually don’t have the time or expertise to invest in a different industry such as real estate or other business ventures without relying on expensive outside management companies or putting their trust in someone else to run a business. Real estate can collapse just like it did in the 2008 fiasco, and businesses fail all the time for a variety of reasons, including mismanagement or lack of know-how.
Sometimes the risks and management headaches of investments like these outweigh the rewards, and you have to remember that no one you employ cares more about your money than you do.
In short, if you are looking for a risk free retirement plan with decades of time-proven performance and 100% IRS compliance, this could be the strategy you’ve been looking for. Why not contact us to see how this strategy could work for you and your loved ones?
Business owners have a unique advantage as they can use their business to contribute profits to their personal retirement account every year while the business tax deducts the entire amount. It’s all with 100% IRS approval, and there’s no complicated paperwork required. The plan works for multiple-owner partnerships as well as sole practitioners.
Yes, we do. We can even do projections as to what you can expect after 30 or 35 years of savings for each of these accounts. We’ll send you these at no charge.
Here’s the little known “secret” to retirement planning: Pay yourself first and use Auto-Pay from your checking account.
So what does “pay yourself first” mean, anyway? It’s really simple. Most people wait to see if there’s any money left at the end of the month, and if there is, they might remember to invest it into their IRA or 401(k) or ROTH. This pathway is doomed to failure, because most people find a way to spend their entire income every month. If there’s no money left over at the end of the month, there’s no way to save enough for their retirement, even if they know they should be more disciplined to do it.
Everyone has expenses they have to pay every month like their rent or mortgage, car payment, electric bill, cell phone bill, food, and health insurance. There’s no question that these bills have to be paid. Who can live without electricity or their smartphones?
Other things like going on extra vacations, eating at fancy restaurants, getting your coffee at Starbucks instead of making it at home for a fraction of the cost, buying new cars or trucks, buying expensive clothes, or buying gifts for friends and relatives, are all optional, and are usually personal choices, not necessities. The financial choices you make every day on examples like these determine the choices you have to live your life after you stop working (i.e. at retirement). How are you spending your money each month?
So here’s the question you have to answer: is your future more important to you than going on that extra vacation, or going out to eat 4 or 5 times a week, or buying a new car every 3 years? Is it more important to you than spending way more than you should on clothes you probably don’t need or on overly expensive gifts for your relatives? Who will fund your retirement if you don’t do it yourself now while you’re still working? If you’re counting on the government to help you, you’re going to be really disappointed.
If you want to insure the best retirement possible, you have to put your monthly savings contributions on auto-pilot, by paying yourself as if you have to invest in your retirement every month the same way as you have to pay your car payment, cell phone, and housing costs. If you don’t do it, who will? If you don’t do it now while you’re working, when do you think it would be a good time to start?
Top retirement planners recommend putting at least 15% of your income into a retirement strategy like the one from Ten Tigers Group. If you want to retire at a younger age, you should plan on contributing more than 15% each month. This needs to be paid via auto-payment from your checking account. In case you think you can’t afford to do this, don’t worry. Just as you have adjusted your lifestyle after subtracting payments for all of your other bills each month, you’ll also adjust your life when you get used to paying yourself first. After all, this is your future we’re talking about.
When using this strategy, you’ll automatically be saving for a great income tax free retirement, one that’s protected from stock market collapses, and can be designed to have the funds available whenever you need a loan. Something that another expensive dinner can’t do.
So, do you really want to know the “secret” to saving for a great retirement?
Here it is: Pay yourself first every month and use Auto-Pay.
The professionals in the Ten Tigers team will design a custom investment plan to show you how to achieve your goals. There’s no charge.
To learn how this strategy might work for you, go to the Contact Us page. You have everything to gain and nothing to lose, so send it in!
Simple. Both regular IRAs and 401(k)s work the same way, as the IRS gives you a small “tax deduction” now in exchange for you paying a much larger amount in income taxes to the IRS when you start withdrawing income in retirement. It’s genius!
The part no one tells you about is that it’s not really a tax-saving deduction, it’s actually a tax-deferring deduction, and that you’ll be paying Federal and State (if applicable) income taxes on all your “deductions” plus taxes on all the growth of these contributions when you retire. So is the government really doing you a favor by allowing these small income tax “deductions” on this year’s return?
What do you think?
A “Buy and Hold” investing strategy isn’t much of a strategy at all, as it forces you to endure the gut-wrenching anxiety of market crashes.
Following your “gut”, with no real investment plans, is a big retirement killer. Waiting to see if there’s any money left at the end of the month that you can invest is a common mistake as well. There’s never any money left at the end of the month. You need a “pay yourself first” strategy using automatic payments from your checking account. Without a solid, automatic savings strategy, you’re opening yourself up to a whole host of problems, such as gambling on the latest get-rich-quick scheme, or holding onto high-flying shares or cryptos too long without taking profits while they were there, or selling too early in reaction to a temporary dip in price.
Check out the “What’s the Secret to a Successful Retirement Savings Strategy” FAQ above for more information. With our strategy, you can’t lose money because your funds aren’t exposed to the downside of the stock market. Your retirement future is on autopilot.
Not necessarily, just the money you can’t afford to lose to future stock market collapses after you stop working.
If you don’t mind paying income taxes during retirement and have the stomach to not worry about stock market collapses, you can just follow the herd and put your money into a standard IRA or 401(k). I don’t know of anyone who likes paying income taxes or doesn’t care about market turmoil. If you’d prefer to have both your contributions and growth available to you income tax free at any age and without the early-withdrawal penalties and the annoying RMDs like those imposed by IRAs and 401(k)s, go to the Contact Us section.
None for most people. It has decades of time-proven performance, and is 100% legal per the IRS.
Imagine having the tax-free income of a ROTH IRA or a ROTH 401(k) but none of the IRS contribution maximums, income ceilings, and age restrictions on withdrawals. Also there’s no risk of another catastrophic stock market collapse destroying your savings accounts before or after you retire.
That’s what individuals at any income level and in any profession can expect from this strategy. Whether you earn $40,000 a year or $40,000,000 a year, most people can take full advantage of this amazing retirement vehicle.
With this strategy, the earlier a person starts and the more money they invest every month, the more Tax-Free Income or Tax-Free Loans they can access at any age while they’re still young enough to really enjoy life. Individuals can invest as much as they want every month right now for maximum income and the lifestyle they really want when they stop working.
Wouldn’t it be a shame if a better long-term retirement plan than a Roth, or an IRA or a 401(k) existed, but you didn’t find out about it until it was too late? Here’s the good news: one does.
Not all people will qualify for the Tax Free Income strategy. For those who don’t qualify, but who still want to protect their IRAs and 401(k)s from the all-too-frequent stock market collapses, corrections, downsides, or whatever Wall Street calls the latest market disaster, we have a safe and reliable strategy for you as well.
To see if you qualify for the Tax-Free Income strategy, just get in touch with us from the Contact Us section.
If you want to find out just how this strategy works, go to the Contact Us page. We’ll get back to you.
The CPA Advantage strategy is a powerful tool we offer to CPAs (and regular accountants) at no charge to help them increase their business profits without having to increase their staff or make major changes to the way they do business. Profit increases of up to 89% or even more are routine. For a comprehensive brochure, click here.