Monday, August 26, 2013

Debunking the False Investing Dilemma

There seems to be this -wrong - notion out there that in order for you to make decent returns on your investments you must invest directly in the stock market. Or else, your only other alternative would be to turn to fixed instruments (like, CDs and bonds), which pay next to nothing in terms of growth.

Here's the problem, though: 

This entire hypothesis leaves out a third investing strategy that will enable you to make money, up to a certain cap, when the stock market goes up, but don't lose anything (absolutely, nothing) when the market goes down. Watch this 2-minute video....



It's YOUR retirement and hard-earned money! Get the facts you need from experienced professionals with real-life success stories. Call 877.656.9111 or visit us online to schedule a no-obligation private consultation today!

Monday, August 19, 2013

Experts Say Such-and-Such…But Who Exactly Are These Experts?

Experts Say Such-and-Such…But Who Exactly Are These Experts?

By all accounts, following expert advice when it comes to your retirement investments is a good thing, especially in this day and age. And boy do we have a barrage of expert opinions about how to ensure a financially comfortable retirement, don’t we? So why is it, as the years go by, that the percentage of Americans who are missing the mark – and we’re talking significantly missing the mark – is on the rise and getting worse?

Of course, there may be a number of reasons why only a few Americans succeed at retirement planning. But here’s what nobody seems to be addressing, yet may well be the root cause of the financial nightmares of millions of retirees and soon-to-be retirees: The “expert advice” they’re following may be completely wrong and out of touch with reality.

Let me explain. Every day we hear the experts tell us what we should be doing to hit home runs with our retirement nest eggs. Just turn on the news, pick up a financial magazine, or visit a financial website. The experts have spoken and continue to speak in no uncertain terms.

On the other hand, however, many of the folks I have personally met in my practice have more or less followed the experts’ advice to the T. Yet they are achieving the exact opposite results than the retirement lifestyles they envisioned. Rather than retiring comfortably, they are afraid of outliving their savings, don’t have enough money to do or purchase many of the things they want, and are being clobbered with taxes, when all those experts said their taxes would be much lower as they approached retirement.

The thing is, if someone told you to do something to achieve a specific result, and you followed their advice but ended up with a completely different outcome, it can mean only one thing: their recommendations were wrong. Does it really matter who the advice-giver is or what they advised? Whether they refer to themselves as an expert, a master, a consultant, or a specialist? Of course, not.  

Please don’t mistake me – I am not saying that you shouldn't follow expert advice. I’ll always personally prefer an expert to a non-expert. But I’d also like to know who exactly this expert is that I’m going to be listening to and, most importantly, to learn of the real-life (notice the keyword here is real-life) success stories associated with his/her recommendations, not just their theories. The interesting thing is that in many cases, we don’t have the slightest clue about who the expert is because all we hear are things like “according to experts,” “experts recommend,” “experts say,” or “retirement experts suggest.” Next time you hear advice from an expert, ask yourself this simple question: Who exactly is this expert that I am about to follow?
______________________
It's YOUR money! Be sure to get the SOLID, proven, common-sense advice that will help you navigate all that big-media expert advice and protect your future. Call us today at 877.656.9111 or visit us on the web to schedule your no-strings-attached consultation!

Monday, August 12, 2013

Media Expert Financial Advisor vs. The Others

What do you do when your financial advisor's recommends are completely different from what your favorite media financial guru says? Here's my simple (yet most effective) criteria for deciding whom you should go with:


 __________________
Need straightforward recommendations from an experienced professional with a PROVEN track record? Call us on 877.656.9111 or visit LaserFG.com to schedule your no-strings-attached private consultation.

Monday, August 5, 2013

Why Bank Mutual Funds Are No Safer than Wall Street’s

Why Bank Mutual Funds Are No Safer than Wall Street’s

It is no secret that most of us – including yours truly – like the idea that bank deposits are insured by the FDIC. Hey, any assurance of protection, however small, is welcome when it comes to my hard-earned money, especially given the history of banks in America. However, I have noticed a very troubling misunderstanding in the area of securities (which I refer to as “mutual funds” in this forum) that are sold by bank-affiliated companies.

Easily 9 out of 10 folks are under the impression that the mutual funds they buy through their banks are also FIDIC insured, and therefore safer than those on Wall Street (or those purchased from a non-bank brokerage or investment company). The fact of the matter is, no mutual fund in America – regardless of whom you bought it from – is insured by the FDIC. The FDIC insures up to $250,000 of your checking, savings, CD, and bank money market savings accounts only.

When you buy mutual funds of any kind (even money market mutual funds), you do not have any further protection – when it comes to FDIC coverage – than someone who buys the same mutual fund from a non-bank-affiliated investment company or broker, because no such protection exists.

Interestingly enough, federal law mandates that this fact be disclosed on all documentation that relates to these bank-affiliated investment accounts. And to their credit, these institutions do disclose that the underlying securities are “not FDIC insured”. But for some reason, many fail to read the “not” or simply conclude that all bank accounts come with FDIC protection, in spite of the notice.

Of course, not all mutual funds or general securities are the same, in terms of riskiness. That is why it is imperative that you carefully consider your situation and also understand the exact ramifications of your choices. The one thing you can count on for sure is that FDIC protection has absolutely nothing to do with securities.

______________________
It's YOUR money! Be sure to get the SOLID, proven, common-sense advice that will help you protect your future. Call us today at 877.656.9111 or visit us on the web to schedule your no-strings-attached consultation!