THE FULL STORY
Personally, I waited way too long time to ask myself that question because years ago I had a financial planner come over to my house and talk to me about my retirement goals.
It was a great idea, because I was young and had a lot of money rolling in from my construction business. But years passed before I did anything because I was just so scared and confused by my lack of knowledge and that I couldn’t understand anything the guy said to me other than “you need to save for retirement” and “goodnight”.
EVERYTHING ELSE IN BETWEEN WAS A COMPLETE BLUR!
That experience had always bugged me because I knew I wanted to do something then and I didn’t and so I lost a lot of time from that meeting to finally implementing a plan.
Now, some 20 years later, I make it a practice, in advising my clients, to try and keep the “complex” as simple as possible so they won’t “freeze” like I did and do nothing. That’s why I make sure I only create usable and understandable financial plans that will allow anyone to actually “get” why they are planning their long-term goals, what those goals are and how they can get there from here.
DEMYSTIFYING FINANCIAL PLANNING
Financial Planning isn’t really that hard to understand.
It boils down to a six-step process.
THE STEPS:
- Goal Identification – Gaining clarity on your short and long term goals, and the values and beliefs behind them.
- Data Gathering – Collecting info about your financial life like cash flow, assets, and liabilities.
- Analysis – Determine if you can achieve goals based on current assets, time horizons, expected future income sources, tax situation, and other factors.
- Solution Development – Identify the actions that you need to take in order to have the greatest chance of accomplishing your goals.
- Plan Implementation – Choose the appropriate products and services that will enable you to achieve your goals.
- Review – Provide you with periodic updates on the progress you’re having with your plans, and incorporate any changes in your situation, resources or goals.
There are also six areas that you can focus on...either one at a time or all at once.
THE SIX AREAS:
- Financial Position – This is a snapshot of your current cash flow and net worth including all assets and liabilities.
- Protection Planning – Protection against an ‘unexpected losses in the areas of death, disability, accident, and illness.
- Investment Planning – Accumulating assets in order to be able to achieve goals.
- Tax Planning – Strategies to minimize taxes and possibly avoid paying unnecessary taxes, including reviewing investments because of their tax treatment.
- Retirement Planning – Accumulating sufficient assets through a variety of retirement planning devices to generate sufficient income so work becomes optional.
- Estate Planning – Passing your assets to your heirs in accordance to your goals. This can be as simple as a will or as complicated as using fancy trusts and so forth.
The experience I spoke about earlier that led to years of inaction was largely because the planner did not have a system to help me understand, so I did nothing!
I would like to give you this important insight and understanding FREE Of Charge Or Obligation with ...
A DEAL YOU CAN’T REFUSE!
To ‘sweeten-the-pot’ (to get you to schedule your own private meeting with us) and at the risk of sounding insulting...to make the decision brain-dead easy for you, I'd like to make a stunningly-generous offer to you...
When we meet, in addition to the valuable content you’ll walk away with (which I'll describe in a moment), you'll get not one, not two, but the following EIGHT FREE GIFTS:
FREE! “THE PROPERTY TAX TOOLBOX” -- Do you think your property taxes are too high? This brilliant book is a step-by-step guide to assuring yourself that the property tax system collecting your hard-earned dollars is not abusing you!
FREE! “THE SCIENCE OF GETTING RICH” -- Despite its small size, this is probably the most concise book on financial empowerment to ever hit the printed page. This is a "MUST READ"!
FREE! "SAFE MONEY PLACES" -- You will read this from cover to cover the moment you get it. It'll help you understand what having "safe money" is all about. If you have any kind of retirement savings now, you'll want to get this booklet in your hands today.
FREE! "HOW TO HAVE HEALTHY CREDIT" -- Discover more about how your credit report and credit score affect your ability to borrow money and stay healthy financially.
FREE! "HOW TO PROTECT YOUR SOCIAL SECURITY NUMBER FROM IDENTITY THEFT" -- Someone illegally using your Social Security number can steal your financial identity and your money. Find out how to prevent identify theft, how to report it if you suspect it, and how to get a new Social Security number if you are a victim.
FREE! "SPECIAL REPORT: ARE YOU CERTAIN YOU ARE FULLY INSURED IF YOUR BANK FAILS?" -- Bank failures aren’t common--but if your banking institution should fail, are your deposits protected? Here are the facts on FDIC insurance, tips for keeping your money safe, and answers to common questions.
FREE! "66 'FASTER-THAN-A- SPEEDING-BULLET' WAYS TO SAVE MONEY ON EVERYTHING YOU DO" -- Practical ways to cut everyday costs on transportation, insurance, banking, credit, housing, utilities, food, and more.
FREE! “HOW TO KEEP YOUR FINANCIAL RECORDS FROM BURYING YOU ALIVE!” -- Find out what you should keep and what you should trash.
So. these are the things I want to give to you just to give us a "look-see"...
Now, ask yourself how good is this offer that I am willing to give away?
You've gotta be kidding! My accountant is going berserk. He thinks I've flipped. My peers think I'm crazy...
You see, my current hourly rate for a consultation is $225.
I figure that -- with the LONG waiting list that we have of people who want to get this hefty package -- I am losing a lot of money in uncollected fees.
THEN WHY AM I OFFERING YOU SUCH A FABULOUS DEAL?
Well, it's not because I am crazy like my peers and my accountant think I am or because I am overly-charitable.
NO...It's because I am a hard-nosed advisor and businessman and I believe that my services will help you achieve your financial goals and that you will want to KEEP ME around forever once you do business with me and get to know me.
So go ahead and schedule your private session, when I can meet with you, and your spouse if you are married...
YOU HAVE NOTHING TO LOSE AND EVERYTHING TO GAIN.
At that meeting, you and I can review and I will analyze your current savings, insurance and investments as well as your future needs and goals.
What I WILL DO: I will help you compare the results of what you are doing now with other options open to you. I will explain appropriate investments to you and even help you clearly define a Financial Plan that fits your situation. And I will gladly answer any and every question you may have.
What I WILL NOT DO: is pressure you into buying anything. I absolutely promise you that. I take an approach that doesn’t push product. You can get that anywhere. What you can’t get easily is an approach that features diagnosis, evaluation, providing information, providing options, answering questions, and, certainly, making appropriate suggestions – but always remembering that you are in the driver’s seat, free to make decisions or not to make any decisions at all. I WILL NOT intimidate you. Or confuse you. Or “push” you.
Should you, after that meeting, choose to use my firm in reaching your financial goals, I CAN PROMISE YOU the friendliest, most compassionate, most professional service you have ever experienced in your life.
I will help you with whatever changes and reassignment of funds you need to do. I will make absolutely certain you implement your Plan with zero difficulty and continue to be “on call” and of service to you.
This brief meeting can really open up your eyes to opportunities you may have had no idea that existed and empower you to better manage your money, now and in the future, to set and achieve important goals for yourself and your family.
I could go on and on!
What you have just read is my way of trying to get you to know that
PLANNING IS NOT A LUXURY!
If you truly want to build a secure retirement, it is CRUCIAL that you plan for it!
That said, I sincerely hope you will take me up on this FREE offer.
However, a SLIGHT CAUTION:
I prefer “quality” to “quantity” in my practice, so I can only provide a limited number of these free, private briefings each month.
Much of my time is consumed by servicing my clients. It’s very likely that when you call or return the form, my assistant will be able to schedule an appointment time that is convenient for you within a two or three weeks... but with our current WAITING LIST you may have to wait for a month or more.
The best way to avoid that and to get an immediate appointment is to call right now, without delay.
And, procrastination can only cost you money! (Remember the 95%’ers!)
What to do next…
Take action in your own self-interest...you owe it to yourself to get this free information…RIGHT NOW! Here is how to arrange for your private meeting:
Simply call us toll-free:
(800) 433-3138 and indicate that you would like to set up an appointment for a free Financial Review.
We will call you back within 24 hours. I look forward to speaking with you soon.
Sincerely,
Artie
PS #1: Remember, by replying right away, you get a completed checklist of suggestions of what I believe you should do after we meet, AND a "mini-financial library" on stuff that you can use and keep no matter what you decide later on.
Here's what you get in this amazing material FREE:
1. “THE PROPERTY TAX TOOLBOX”
2. “THE SCIENCE OF GETTING RICH”
3. “SAFE MONEY PLACES”
4. "HOW TO HAVE HEALTHY CREDIT"
5. "HOW TO PROTECT YOUR SOCIAL SECURITY NUMBER FROM IDENTITY THEFT"
6. "SPECIAL REPORT: ARE YOU CERTAIN YOU ARE FULLY INSURED IF YOUR BANK FAILS?"
7. "66 WAYS TO SAVE MONEY ON EVERYTHING YOU DO"
8. "HOW TO KEEP YOUR FINANCIAL RECORDS FROM BURYING YOU ALIVE!"
PS #2: The number of people we can schedule appointments with IS limited. Appointments will be taken on a “first come, first served basis” until we max out, then we’ll have no choice but to start telling people that they are going on a waiting list... For that reason, I urge you to respond immediately.
PS #3: Since I have been offering all the GIFTS, our appointments have filled up faster than expected. If you fool around “thinking it over” you WILL be turned away and put on a waiting list.
PS #4: If you are seriously ready TO BE PREPARED for when you retire, take the time right now to handle this. Don’t put it off. Don’t procrastinate! Do it now!
PS #5: REMEMBER… if after our time together, you aren’t moved by what you’ve seen, then you can simply say "no thanks" and that’ll be that…no hard feelings and you can keep all the FREE GIFTS...
PS #6: Here are a few of the most commonly Asked questions and answers for your convenience:
“WHY DO SO FEW FAMILIES ACHIEVE FINANCIAL INDEPENDENCE AND SECURITY? WHY IS IT SO HARD TO SAVE?”
That is a very good question. As we try our best to accumulate assets to build wealth, we are “drained” by everyday living expenses and what ever we spend money on. Rarely does any get saved. But maybe the biggest problem is SIMPLE PROCRASTINATION (like what I did!)
People put off taking charge of their investing until they have “extra money” to invest, but that “until” just never seems to come! Waiting until you have a lot of extra money lying around before getting smart about money is backwards; you want to get smart about money NOW!
“CAN I MAKE UP FOR LOST TIME?”
Maybe. This is a concern of many people in their 40’s and 50’s who have not been able to save and invest enough for a secure retirement, security for their spouses, and other purposes. Sadly, this “pressure” often causes people to “bet” on very high risk, sometimes-misrepresented investments, uncertain stocks, and even to be “conned”.
The first step is a complete, careful review of your current scenario to determine your risk tolerance and whether or not you are getting the best return suitable for you. – I will do that with you, with no pressure to buy anything from me. If “lost time” is a concern of YOURS, the only thing I believe we can agree on for sure at this point is, the longer you wait to accurately assess your situation and look at all your options, the tougher the task will be in meeting your financial objectives.
“I'M SATISFIED WITH MY CURRENT FINANCIAL ADVISOR... WHY SHOULD I TAKE THE TIME TO MEET WITH YOU?”
Actually, there are a number of reasons:
1. BUSINESSOWNERS: I will HELP SHOW YOU HOW TO INCREASE YOUR BUSINESS through better marketing... (check out www.YourBusinessMarketingToolbox.com.) AND I'll show you HOW TO POTENTIALLY SAVE ON YOUR COMPANY'S BENEFIT PLANS.
2. UNBEATABLE SERVICE TO YOU: is my first priority... you must ALWAYS be happy with my services.
3. FREE INITIAL ONE-HOUR CONSULTATION: It’s worth $225 and it’s yours FREE. Ask me about any part of your financial life that you want and we can focus on it or any topic you wish for the hour.
4. FREE Monthly “Snail mail” NEWSLETTER with FUN & USEFUL info. I won’t bore you to tears ONLY about financial stuff…it can be boring unless we are talking about your stuff one-on-one!
5. FREE Weekly eMAIL on timely financial information you can use immediately...don't worry, it will be worth reading...It isn't junk-email!
6. FREE Monthly 45-minute ONLINE SEMINAR focusing on your retirement. You will always get an email notice weeks in advance and a notice in the monthly newsletter too with all the details on how to participate in it.
7. EXPERIENCE: During a “long way around the block” (15+ years) I have had a lot of blank stares when talking to people about their financial issues, so I have used those experiences to make complex “financial gobbledygook” as simple as possible and make your journey to “The Land Of Financial Security” easier and more enjoyable…I was once a bricklayer, so I had to keep this stuff simple for myself to learn it!
8. PROMPT SERVICE: All calls returned within 24 hours You can also expect the friendliest, most compassionate, most professional service you have ever experienced in your life.
9. REACHABLE: I'm at your beck and call. Anytime. As needed. As often as needed. Just in case you have questions in the summer months or during the holidays, I’ll be here to help. If there is an EMERGENCY you’ll know how to reach me 24/7/365.
10. CONVENIENTLY Located: Located in Pt. Pleasant and in Woodbridge and sometimes at your kitchen table! Set an AM appointment with me and I’ll bring the coffee.
11. Licensed in many states: Very valuable for you or your friends who have just moved into an area. If you need to get some aspect of your financial life straight, we can help you.
12. Personal and Business Planning: Whether it is personal or for your business, we can handle it. My practice is not limited to just a few areas of experience like a lot of advisors. I have partners that have the capability to address ANY financial need you may have.
TESTIMONIALS: I have a STABLE FULL, but I’m not allowed to use them according to our legal department. However, upon request, I can refer you to a number of my clients that you can talk to if you wish.
WHAT ARE YOU WAITING FOR?
Go pick up your phone and call TODAY for an appointment!
Call (800) 433-3138 Or email me from your computer right now!
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