IS IT TOO LATE FOR FINANCIAL SECURITY IN AMERICA?

Just your luck. You’ve been trying to save for retirement or just build wealth over the last 12 years, and you couldn’t have picked a worse time.

Consider the challenges we’ve faced as an economy:

* The bursting of the Tech Bubble in 2000
* The terrorist attacks of 9/11
* The housing boom of 2003-2007, followed by the biggest bust since the Great Depression
* The continuing repercussions of the debt bubble; from chaos in Europe, to an American economy addicted to stimulus

13 years of lost growth potential on your savings is no small setback!

How can most Americans even dream of a secure retirement if the next 10 years looks like the last 10 years?

Yes, the rules have changed! But, if you take the time to learn the new rules, you CAN win in the coming decade, and make it safely and securely to your goals.

In this show, Bruce Weide, host of Straight Talk Wealth Radio, thoroughly reviews the new risks exclusive to this decade, and explains the new rules to successfully navigate these risks for building wealth dependably and securely.

It’s not your fault. Someone changed the rules on you! But it’s NOT TOO LATE, if you learn the new rules NOW. They’re simple. But they’re new and they’re different. And no one taught you this in school.

INCOME GUARANTEED TO LAST A LIFETIME

How old will you live to be? That’s the million dollar question. With people living longer and the advances in medical technology, how can you plan your retirement and guarantee that you will have enough money to last the rest of your life?

Imagine you are retiring in the next year. Does your retirement plan increase with inflation? Will you be able to live on what you are making today, 10 or 20 years down the line? Bruce Weide and special co-host Michael Rossi will discuss these issues and provide valuable information on how to make your money last a lifetime — guaranteed!

It is time to step away from the volatility of the market and to stop gambling with your retirement savings. Your retirement years should be a time to relax and to enjoy the fruits of your labor. Wouldn’t you love to have financial stability and peace of mind during the best years of your life? Listen to this show and find solutions to a guaranteed future.

INFLATION OR DEFLATION? AMERICA’S MONETARY SYSTEM IN CRISIS AND HOW TO PLAN FOR IT

Does it matter if our very monetary system is at risk?

In this article I want to address an issue that I truly believe is the most important issue all of us will face in the 2010s. It is an issue that goes to the very heart of financial planning. The issue is whether our personally accumulated U.S. Dollars will become worth more as a global currency in the foreseeable future or in fact become altogether worthless as a monetary system by the end of this decade.

You could buy all the stocks and mutual funds you want in the 2010’s; buy all the best foreclosure real estate, stock up with piles and piles of all the gold and silver you want. But I’m telling you, if you call this shot wrong – Inflation of Deflation – your plans could all be for naught.

key questions of concern YOU should be asking in protecting your own security are:

How do inflation and deflation vary in their causes?
How would life in America be different under scenarios of severe inflation or deflations.
Who would be the financial winners and who would be the losers in each scenario?

DEFLATION A Bubble Bursts, Money Dries Up

John Kenneth Galbraith (October 15, 1908 – April 29, 2 006) was one of the leading chroniclers of the Stock Market Crash of 1929 and the Great Depression of the 1930s. As Galbraith described in a 1970’s filmed documentary:

“I don’t suppose there’s ever a time when the desire to get rich doesn’t operate in this republic. But there certainly was a mood that Americans were meant to get rich sitting down by putting their money in the stock market. And then you had, from the beginning of the mid-twenties on, an accelerating wave of speculation which then became self-perpetuating. The market was going up and the expectation for it to go up more caused it to go up more.

“But then come the day when something changes those ex pectations, and everybody wants to get out. And that is not a matter of weeks or months, that’s a matter then of days. The crash comes very fast.”

Sound a little to familiar? Maybe a little like the real estate and credit bubble crash of 2008?

The common denominator of a deflationary period is that money has dried up, typically due to a prior extended period of over-speculation. And the deeper the prior mania went, dragging with it larger and larger institutional interests that “drink the Kool-Aid”, the more it is likely that credit and available cash go dry as a bone, to boot.

In either case the big seizure that hits everyone in the economy is that banksfail. First they fail to keep depositors’ funds secure. (Don’t forget the FDIC, set up from the lessons of the bank runs of 1929, did not save bank depositors’ money in 2008. Given the scope of this failure the FDIC would have been totally impotent. Rather, banks were kept standing by a whole new act of Congress, the $700 billion Troubled Assets Relief Program [TARP].)

The next thing that happens, if not simultaneously, is that the stock market along with other investment markets crash so that people thereby lose their savings and personal wealth, sometimes faster than they can even think about what’s going on.

Quickly a downward spiral picks up momentum across almost all investment sectors.

Soon, retailers and wholesalers find themselves holding stockpiles of goods they can’t sell to people with no jobs. In fact the only way they can even think of moving goods is to lower their prices. Seems like a good thing, unless you happen to work for the guys cutting their prices, who now need to cut your wages to make up for their losses. And so pretty soon, you either don’t work, or you too become the next victim of wage deflation. But at least you have a job! Deflation is generally marked by massive unemployment.

Winners:

Those holding substantial wealth in cash, and not in the banks that might fail. By “substantial”, I mean that if jobs do not come back again for quite some time, they will survive without work.

Losers:

Those who have been left holding their wealth in hard assets that have caved in on value, such as real estate or stocks. Their wealth is gone.
Those who need to work and earn a decent wage to keep a roof over their head.

BEAT WALL STREET AT ITS OWN NASTY GAME

In this episode Bruce explores whether it is possible to trust Wall Street anymore, in light of blatant manipulation by too-big-to-fail global banks, in collusion with governments around the world. Sounds like harsh words. Bruce lays out the actual facts in this show.

Featuring an exclusive interview from this week with economist Harry S. Dent. Also featuring excerpted interviews with Reagan Administration Budget Director, David Stockman; N.Y. Times Busines Writer Gretchen Morgensen; and a CNBC segment, Can You Still Trust Wall Street?

The game is rigged, savers and investors. Learn how to get around it in this new STW Show!

THE RETIREMENT INCOME MANAGEMENT PROCESS

A New Kind of Wealth Management with a Purpose!

The closer you get to financial independence, the more vital questions about your purpose in life become, whether you’re ready or not:

“What did you do when you worked?” is irrelevant. “Where did it all get you?” and “What do you WANT now, with the next chapter of your life?” are the things that matter.
The time to ask these questions in earnest really should begin perhaps 10 years before you get there.
Whereas Asset Management, or rather Asset Accumulation Management has the primary purpose to simply build wealth, Retirement Income Management has the goal of utilizing wealth to fulfill your purposes in life.

STEP ONE: What makes retired people happy?

In this presentation we explore a seminal study conducted by Ohio State University, which found 4 major common denominators to a fulfilling retirement. By coming to grips with what is really important in life, we begin to see how the wealth management process may change in your Golden Years.

Take advantage of these valuable bonus document downloads to help you with envisioning your own lifestyle and financial goals for retirement!

STEP TWO: Identify Today’s Risks

When it comes to making your plans to get to and sustain the next chapter of your life become a reality, today epecially it is important to avoid being blindsided by potential obstacles or risks that could derail or even destroy your planning.

Global Economic Risks

Straight Talk Wealth Radio has produced a wide range of shows about the current global economic risks, You can see some of most key material on the following pages:

Personal Planning Risks

Today, in any efficient plan to provide for all adequate income needs in the 2010-2030′s, there are 12 Essential Risks that have been isolated. Do you know what they are? CLICK HERE to learn more about the 12 personal risks you and your loved ones will face .

STEP THREE: Solutions that Address Specific Risks

Consider these three stages of designing the Ultimate Retirement Planning Solution. CLICK on either to go to the appropriate page and learn more about them.
  1. Start with the 10,000 foot view. Consider the potential of doing things differently. Could there be some new approaches your current advisor has not presented to you? Fortunately, doing something different does not require abandoning what is working. See some refreshing new perspectives to beat Wall Street at their own game on this page.
  2. Determine the appropriate tools. Focus on those that help implement the specific strategies you’ve chosen to rely on.
  3. Visit our Solutions Library where you can find dozens of specific personal financial planning challenges and their genuine fixes.

STEP FOUR: Request Your FREE Retirement Roadmap Feasibility Study

Take your plan out for a test drive! Your local Straight Talk Wealth Advisor will help you prepare a personalized study to give you the exact numbers of what he/she can GUARANTEE you in retirement, that fits with your own goals and strategies. Most all Retirement Roadmap proposals feature 3 key elements:

  1. Guaranteed Growth – and at higher rates than you might think! Stop thinking about bank and bond rates. By tapping your STW Advisor’s resources to draw from the insured private pension pension markets, it’s finally possible to make substantial growth on “safe” money.
  2. Guaranteed Income at retirement that you can never outlive! Literally, in many cases, if you and your spouse live a long life (see our Longevity page for the actual odds), and have spent every dime of principal and interest out of your account, you will continue to receive your monthly income payments as long as you both live.
  3. Inflation Protected Income. That means your income payment will be annually adjusted upward in direct correlation to increases in the Consumer Price Index and currently (7/2012) up to 10% per year!

CLICK HERE NOW to learn more about our FREE Retirement Roadmap service.