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Debt Matters

     This chapter is about debt. This chapter is to educate, to make effective and efficient, for you, your “Debt” money. Most people want to be debt-free “as soon as possible” and certainly debt-free, before they retire.

     Problem: Most Americans have so much debt load, that they do not have enough, to put aside for retirement. Plus, with all their debt load, they are making the banks wealthy and not themselves.

     Let’s talk about the perils of debt and consumer debt spending. A famous person once said, “you need to know the difference between needs and wants. Most people buy things they don't need, with money they don't have, to impress people they don’t like and that don’t like them”.

     Regarding debt, we can go to scripture. Scripture makes it very clear, if you are in debt, you are not free, in fact if you are in debt, you are a slave Also, it is unwise to co-sign for another debts (statistics show, 50% of all co-signers, end up, getting stuck with the bill/consequences).

     Proverbs 22:7 says, “if you borrow money with interest, you will: end up serving the interest of your creditor, put yourself under the power of the lender, and be a slave to the lender”.

     Other verses on debt and financing: Romans 13:8, Deuteronomy 28:12 & 30:3, Nehemiah 5:2-10, Haigi 1:5,Isaiah 40:4 & 52:2, Zephaniah 1:13,(Ephesians 5:16, Collosians 4:5,& Job 2:25 “I will redeem the time”) , proverbs 17:18 and Philippians 4:6.

     I think most would agree, you cannot be financially free, if you are drowning in debt.

     So, let's take a look at the four types of debt, if you will: the “good debt”, the “bad debt”, the “ugly debt” and the “best debt”.
     A) Ugly debt is revolving consumer debt, where you are still paying off a steak dinner you ate, 20 years down the road. If someone is paying 7.2% interest, then their debt will double in ten years (the rule of 72, we will talk more about in future chapters), so this is how a person could still be paying off a steak dinner, 20 years from now, since that steak dinner now has cost him twice the original price. This is ugly debt.
     B) Bad Debt is being charged unreasonable and /or excessive interest rates, plus if the interest rate you are paying is variable (like on credit cards etc.), then the interest rate you are paying can go up at any time. This is “bad Debt”.
     C) Good debt. You have a fixed interest rate at the bank, and you are safely and consistently making more growth (interest profit) off the bank’s money than the interest you are paying the bank.

     But before we go on the “best type of debt”, what are the perils/pitfalls, of these already mentioned, three types of debt? To get a bank loan, you must qualify, prove your income, prove your positive cash flow, show a good credit rating, put up collateral and possibly pay some points (like on a mortgage). Now if you are not late and pay your debt payments every
month, then the bank lender is fine.
     But what if something happens, where you are not able to pay your monthly debt payments on time (you get sick, lose your job, lose your bonus etc.). The typical banker loan is a recourse loan. If you have a recourse loan and if you cannot pay your debts on time, the bank will chase you down.
     If you have a recourse loan and your loan goes into recourse ( because you miss paying debt payments) , then the bank will chase you down , your credit report can be ruined (making it more difficult to ever borrow in the future, if you ever needed to ), the bank can seize your assets ( foreclose on your home, take your collateral) and your future garnish wages etc. It even gets worse. When a bank seizes assets (let’s say the bank repossess your home, because you couldn’t pay your
monthly mortgage debt). The bank liquidates / auctions off, your prior home, auctioned off which could be at a substantial loss for the bank, then the banker can say this” it is lost income for us the bank, so we will send you the borrower, a “1099 income tax form”, that is stating the bank loss, is now your reportable income, so that you now have an IRS Debt, that you owe taxes on this, thus getting you in deeper debt.

     A key question for you, do you know when you will be debt free?

     When your kids get to college age, will the loans you take out (to pay for their college), will these loans derail your retirement?
     If you get an extra pay raise at work, do you know if you should pay down debt with it, or invest it, for retirement?
     If you knew these answers, you could retire ten years earlier. What would you do with that extra ten years of youthful retirement fun?

     Before we discuss, the Solution. The concept of transferring debt is not a new one. Most Americans get bombarded every month by solicitations in the mail, saying transfer your debt to our bank, usually they try to entice you with some special offer (of like no interest, until the end of the year. this offer, is certainly with some kind of other fees of course). Why would banks offer this, because banks make money off of you.

     Solution: What if there were some financial strategies/programs, where you could strategically transfer your prior “recourse debt”, to become a “non-recourse debt”, so to where the above pitfalls, could be avoided, and profits could be made by you (all without changing your spending). The “best debt” is non-recourse debt.

     What if you could retire your “recourse debt”. If you could strategically transfer your debt, from a “recourse type debt”  TO a “Non-recourse program”, what might that look like? Then you would have :

  • tremendously more flexibility of when you wanted to pay them back

  • you would not have to prove income or good credit

  • you would not have to put up outside collateral

  • your good credit would not be put in jeopardy

  • you would be free, from anybody “chasing you down”

  • your assets or wages would be protected, from being seized or effected

  • plus, your debts, could be turned to an asset income.

(Assets minus liabilities= greater net worth).
     So which type of debt do you prefer (the bad debt, the ugly debt or “the best debt/ non-recourse debt”?

     With you transferring your debts, to the “best type of debt/non-recourse debt”, now you know your debts will not destroy your wealth. Move your debt to a better neighborhood.

     As with any programs, there are requirements, there can be fees and ongoing fees and restrictions. But this is what large corporations do, they “retire their burdensome debt”. I recommend you look into doing the same. To avoid being a slave, Retire your “recourse debt”. Retire your burdensome debt, so that you can retire ten years earlier.

     Here is my pastoral hat coming out.
     We know that Jesus, took all the burden, and he gives us all the blessing. Doesn’t this sound similar to the above sentence.

     Does this sound too good to be true. Contact us, you will be glad you did. Come and see.

     In the next chapter. Read on, to answer, “Will I have enough to retire, to retire ten years earlier and where will the dollars come from”.
Enjoy the journey.

Debt Matters

Turn Expenses Into Assets

This chapter is about your “day to day” Expenses (the cost of living). This chapter is the main chapter, of the book’s subtitle…..Retire ten years earlier, without changing your current retirement plan. Many people have this question, “With my day-to-day expenses, am I saving enough to retire and how do I save enough? Where will the dollars come from, so to retire well off?
     Read on. Let your “day to day” expenses, fund your retirement.
     Money mapping to educate, to make efficient and effective, your daily living “Expenses”.

     Problem: Our daily expenses and monthly payments (home payment, car payment etc.), the cost of living seems to keep going up. The cost of living is eating up my paycheck. With things costing more, it seems like we have less each month, going into savings for retirement. Expenses feel like headwinds, working against us, so it seems like we are putting less into our saving for retirement.

It has often been said, it's not what you earn, it's what you keep. But expenses keep me from putting more into saving for retirement.

     So, the question is, am I saving enough to retire well off and enough to retire early? There are all sorts of tools, where you can input your assumptions into, that can provide you with numbers. The numbers can be daunting. Here are some ballpark APPROXIMATES, for extra simplicity (so we do not get overwhelmed). A person, say wanting an additional, supplemental retirement income of $5k every month (and that $5k/ monthly income, to still keeping its purchasing power, to still buy today, what it will buy, when you retire). Presuming your investments grew at an approximate 7% average annual return (net of fees etc.). As you can see, when inflation goes up just 2% higher, the required amount of savings needed to save would basically double. Without a plan, inflation, can kill your retirement.

     If there was never any inflation, a 30-year-old would have to save $250 every month (to reach his retirement goal). But, now let’s add a pinch of annual inflation, with 2% annual inflation, now have to save $500 / month.
With 4% inflation, now have to save $1000 every month

     A 50-year-old, just starting to save for retirement. If there is no inflation, save over $1000 every month.
     
But, now let’s add a pinch of inflation, with 2% inflation, now have to save $2000 every month. With 4% inflation, now have to save $4000 a month.

     And what 30-year-old do you know, that is saving over $1000 every month for retirement.
     And what 50-year-old, do you know, that’s saving $4000 every month for retirement?
     And how many know, the inflation rate is over 4%.
     And how many know, in this very approximate illustration, obviously, there is no guarantee, that someone’s investments will average a 7% average growth rate.
     So, just to ask the question or seek the answer, to the question of “am I saving enough, to retire well off”, this can be a daunting, overwhelming question.
     Hence, that's why you're reading this book.
     Will I have saved enough to afford to retire?
     In retirement, will I have to skimp, or will I be “well off”?
     Will I be able to retire ten years earlier?
     Am I saving enough (each month), to have enough in retirement?
     Where will the dollars come from, to provide for retirement?
     Not knowing these answers can cause a lot of anxiety and stress. As we talked about earlier, in the introduction section, stress robs/steals joy and can kill (health, wealth and relationships).
     For answers, you need a game plan.

     Solution: For illustration purposes, let’s say your monthly expenses, over your lifetime, were approximately $8500/month, which would be approximately $100K/year. What if there was, some financial planning strategies/ programs, which could virtually (net effect) pay you “cash back” on any of your expenditures. Let's say that cash back would be 3% (for illustration purposes). What if it was possible, for that “cash back” amount (on your expenditures), was not just a onetime “cash back” thing, but could be perpetually going forward, year, after year. So $100K spent this year, on your normal expenses, the “cash back” on that, at 3%, could be $3K (3% x $100k=$3k). But let's say, it kept paying $3k each year moving forward, so $3k could keep accumulating/coming in, every year, from normal expenditures, that you spent years ago. So, let’s think
about this, over the decades.

     At $100k/year expenditures, over a decade, that’s $1 million spent.
     Over two decades = $2 million spent.
     Over three decades, that’s $3 million spent.
     Over four decades, that’s $4 million spent.

     Now, what’s 3% of $4 million, that equals $120K/ year.
     That could be $120k, that you could now be your annual income, each year in retirement. Your expenses, while you were working, now can help fund your retirement income (your retirement income is when you retire and stop working).

     Let’s take this concept and also look at what if you owned a business and that business also had expenses. Along with your normal household expenses, what if in addition, all your normal business expenses, could also keep providing you perpetual “cash back”….. Then you could retire, closer to twenty years earlier.

     YOU NOW GET TO SPEND THOSE SAME DOLLARS TWICE.

     Imagine that. Getting to spend those same dollars twice. Let’s look at an example, of like buying a car. You buy a car, then a handful of years go by, then from buying the previous car, there may be the funds to buy another car. Those same dollars, not only buy one car, but can buy a second car. It can happen, you can now, be able to spend the same dollar, twice.

     (This sounds a lot like Deuteronomy 6:11. enjoying vineyards, that you did not plant).

     Without utilizing this concept, of using your expense dollars, to become retirement income (let’s call that uneducated expenses and uneducated cash flow), that would be like an airplane facing “headwind”, working against you in retirement savings. But, with utilizing, your expense dollars, to become retirement income (let’s call this “educated
expenses”), now with “educated expenditures”, your spending, can be like a plane journey “tail wind”, which can accelerate in help you, provide for your retirement income. This applicable income is above and beyond, any other savings you have. This can cause you to retire more than a decade earlier. How much more than a decade. Come and see, give us a call. What will you do with your extra ten years of youthful retirement?

     When you look at the big picture (in society), one man's expenses are another man's income. But now with these financial planning strategies/ programs, you can now turn other people's income into your income. Educate your expenses. You can make retirement income off your expenses.

     As with any program, there are requirements, fees and ongoing fees and restrictions. As far as all income sources, read/see more in chapter 9 & 10.
     Educating your “expenses “, this can be a vital part, in you retiring ten years earlier. Now you will know, you will have enough, to retire “well off”.
     Sounds too good to be true. Contact us, you will be glad you did. Come and see.

Turn Expenses Into Assets

Turn Your Cash Flow Into An Asset

This chapter is to educate, to make efficient and effective, your cash Flow money. Cash flow financial planning.

     Cash Flow is the flow of money. In this chapter we will discuss two items of cash flow:
     1) what is cash flow and
     2) whether you have a household or a business, how to turn cash flow into “cash-flow” assets.

     As you know, in a profitable business, you understand, there are expenses (cash outflow) and revenue (cash inflow). If cash inflow is more than cash outflow, then this produces a profit. Another way to put it, if business revenue, is above business expenses = a profitable business. Profitable business owners know it will take overhead expenses to create profit.

     Here's a key question, if there were no startup costs, would you take ownership of a profitable business, to enjoy the profits (if it ever turned unprofitable, you could just get out of it)? If your answer is yes, contact “the author” or the financial planner, who gave you this book.

     Let’s say you said yes to the above question.

     Problem: This is the same for a household, but let’s use a business owner, of a business, as an example. As a business owner, having a business checking account (for cash flow), the problem here is that the banks virtually pay you no interest on your checking account. you are the owner of the business and owner of the cash flow, but you are making virtually nothing/no interest on the cash flow (you're earning virtually no interest, while the banker is getting very wealthy, off of your business “cash flow”)

     Asset solution: what if there were financial strategies/programs, that could leverage your cash flow ,so that small amounts of cash flow, could create some potentially significant larger ,cash flows .
     What if you had $100k, that you could put into an asset (we will call it, asset #1), then virtually the next day, you could borrow $ 95k out of asset#1 (for illustrative purposes) and do whatever you wanted with this $95,000 (you could use it in your business for overhead, spend it on a vacation, or whatever you wanted. But for now, let’s just say, you invested this $95k elsewhere, into asset #2). What if, the original asset (asset #1) could earn you a spread of say 3%, but that spread growth rate, could actually be on your original amount, still approximately $100K . Think about that for just a minute (and of course with any programs ,you would have requirements/would have to qualify ,there will be fees and can be ongoing fees and restrictions). But think about that concept for a minute. So now the $95k that you put into asset #2, is getting its own growth gains from asset #2, and the $95K, is also getting its 3%, from asset #1. So, what you've now done is, you have gained an extra asset (you went from one asset to two assets). Your $95k can now receive growth, from two sources, not just one (you can collect growth from both asset #1 and asset #2, both at the same time). You have added an additional asset, by wise positioning and leveraging of your cash flow.

     Creating extra assets, with your cash flow, can play a vital role in you retiring ten years earlier.

     Sounds too good to be true. Contact us, you will be glad you did. Come and see.

Turn Your Cash Flow Into An Asset

You Need A Gameplan

     This chapter is about the importance of having a “Gameplan” (a macro management “birds eye view” Gameplan and have a micromanagement financial “GPS” gameplan (a personal wealth gps, for growth and protection of your net worth and nest egg).

     Problem: The biggest obstacle to becoming worry-free and financially free is not having a plan. A person we might vaguely know where we want to go, like “hey we want to get to a certain destination”, but the destination maybe vague and one does not know, all the steps to take, along the way to get there. The objective/destination, of this book, is for you to become financial worry-free, retire well off, ten years earlier. Also, in planning a journey, using the road map analogy, a person may say, “I want it all. I do not want to miss out on anything, there are lot of landmarks I want to see along the way.” You can have it all. Keep reading. Enjoy the journey.

     Solution: Put together and implement the “big picture/macro” gameplan (as found in the contents of this book) and then have a financial gps, that can lead you in your micro steps, so to maximize every dollar you have, every minute you have it, for your cash flow, to create your “nest egg” quicker.

Plus, remember, this book, is not advocating, that you stop whatever you were doing, that was working, previously/prior, to reading this book. This book is to add to, for you to become aware of/ look into do additional items, which can benefit you (so you can retire ten years earlier).

     So here is the question, how can I retire ten years earlier? By putting together, a gameplan, implementing it and then “day to day, micromanaging it” with your financial gps. You are already using gps technology. When you think of a GPS in your car, that gps will instruct you, to get to your destination, in the quickest time frame. Now with a financial gps, you can get to your retirement destination quicker (you can be able to retire much earlier). The gps (along with other technology), will show you that you will/can win (the acronym of w.i.n.= what’s important now). The gps will tell you, every week, what’s important now. The gps also shows you the “end from the beginning”, so you will not have to guess or “hope so”, you will know, when you can retire earlier and that
you can retire very “well off and worry-free.”

     Let's now use the analogy of “taking a commercial airline flight, to your destination”. The big picture endpoint is where you hope the pilot and plane get you to your desired destination. But you certainly do not know all the little towns and or rural areas that the plan will be flying over (or any unexpected potential items, like turbulence, bad weather etc., along the way). So, using the analogy of an airplane. Let’s say the airplane is designed to always fly at 200 mph. If there is a 100mph headwind, then you must subtract your net speed time, due to the headwind, the headwind, that is against you. With 100mph headwind, it will take you twice as long to get to my destination (200mph minus the 100mph headwind= net travel speed will then be 100mph. not the regular 200mph, as if there was no headwind). What if your airplane had a 100-mph “tailwind”, which would cause you to travel at net 300mph, arriving at your destination, quicker. This is what a financial gps does for you, it puts a tailwind behind you, so every dollar, every minute of the day, every dollar is getting its highest utility (therefore, providing you like a “tail wind” behind you, working for you, so you arrive at retirement sooner). The goal is to retire sooner. Also keep in mind, once you can afford to retire, say ten years sooner, you may still choose to work, but then you are working, because you want to work, not because you must work (huge difference).

     Your financial GPS, which is technology software, think of it as like, artificial intelligence/A.I.). Yes, it can create a map, but the gps will come down to every single day, micromanaging your cash flow.

     The financial gps, works without your changing your budget or lifestyle. If you like Starbucks every morning, keep spending/buying Starbucks, the way you are currently. As this book mentioned earlier, there are always trade-offs and to always have a capital reserve, but what are some of the ways a financial gps, can take the guess work out of, being able to retire much earlier.
     
     Let’s say you get an unforeseen bonus; the financial GPS will tell you what to do with it (do you pay off a debt or do you invest it. If I invest it, where etc. This is along with other technology and other technology you have, can also be used). Let the technology tell you, so you don't have to guess. It’s like dozens of CPA's working on your behalf. The technology will monitor your assets, your liability and your cash flow. It will not pay your bills for you, (you still pay your bills like you do today). The gps Is like having your personal, secure, day to day, financial coach.

     Let's say you're considering making a big purchase, for example, like you are about to buy a car. The gps, will tell, real time, the exact difference, for it you buy a new car or a used car. If you buy a new car, the gps may tell you, you will have to work, three years longer, before you can retire. If you buy a used car, at half the price of a new car, the gps may tell you, you will only have to work an extra year, before you can retire. You still may buy the new car, but you have, more information, so to make the best financial decision.

     The gps in dealing with debt, what debt do I pay off first (if it says, pay off debt vs investing). Through A.I., without changing your budget/spending habits, it can tell you (as compared to your current plan), that you can be (for example) out of debt in ten years vs 25 years. The technology would then have saved you 15 years of otherwise debt
payments. Let’s say just your mortgage was$2k/month). 15 years times 12 months = 180 payments. 180 times $2k= $360k saved. I would say the technology gps, has certainly provided value. That extra $360k can cause you to retire earlier. You could spend that extra $360k anyway you like but let’s say, after the technology saved it for you, then you retired. Here is another way to look at it, an extra $360k, in your nest-egg in retirement, getting 5% annual growth (like with a bank cd. $360k times 5%=$18k every year). The gps has created for you an extra $18k each year retirement income. That extra $18k annual income helps you retire sooner and more “well off”. Now think generationally. That $18k each year, let’s say you are age 60 when you retire, you live to age 90, that $18k for 30 years= $540k. That gps, earned me $540k. But what if you did estate planning and put in your “will”, for this same strategy, to keep perpetuating itself. So just for the next century, $18k for 100 more years= $1.8 million. Add $540 k the “gps made you (while you were living), plus add the $1.8 million, it made the family legacy, then add these two numbers together, the “gps”, make a difference your family wealth of, over $2.3 million. The “gps” technology, is worth the nominal price, of the technology. A financial gps gets you to your retirement destination quicker and you to financial freedom, in the quickest route. I have seen this, real time, an associate using this technology, comparing his current plan, to the gps' suggestion. The person wanted rental income. The gps, monitoring his ‘cash flow” and thus by him utilizing the gps’s instructions, he could own six homes outright (his residence and five rental homes), in the same 30-year period, by utilizing gps, vs. his prior plan.

     The financial gps will show you the end from the beginning, of exactly when you can retire and at what lifestyle, so you can make more informed “day to day” financial decisions.

     Now you say, utilizing this modern technology, I am saving 15 years of otherwise debt payments etc. What's the catch?
     Well, the catch is, technology is not free. But technology can benefit you (just look at “i’ phones. They cost over $100/month, but think of all the time they save, by not having to be by a land line, to communicate, the old fashion way. You have heard the saying “Time is money”. The time “i” phones save, is worth the cost. Benefiting technology provides you with benefits, well beyond the cost of the technology. The financial gps technology, creates you more time, you can retire much earlier. Being able to afford to retire, time is more valuable than money. What will you do, with an extra, youthful decade of time?

     I've checked out several “software technology packages”, in my humble opinion, the best type of technology runs, approximately about $125/month (for a few years, then after a few years, then there is just a modest small monthly, continuation fee, like $20 a month). The financial gps is all personalized to you. You still pay your bills, it does not pay anything automatically, it’s completely personalized.

     I also like the “technology” that comes with an assigned coach or mentor, so you have a personal/ one person, to talk to, if you ever need assistance. The coach is included, with the technology fee. Coming back to the above example, just on your mortgage, if the technology saves you 15 years of otherwise mortgage payments…. $125/month technology fee, to save your thousands each month, securing the gps, is a “no-brainer”. I also like the gps’ that have a “money back guarantee clause”.

     The financial GPS, provides you with the benefit of “knowing”, not guessing. A Gps keeps you on track. With the gps, you can see you net worth increasing, on a very regular basis (you are keeping score. You are going forward not backwards. It keeps your eyes on the prize). Order and
organization, beats chaos, all day long. Putting each dollar you own, to its highest utility, getting out of debt “ as soon as possible “( saving all that interest that would have gone into the bankers pocket, now gets to go into your pocket) and a gps to keep you on track, let you retire ten years earlier. What will you do with your extra ten years of youthful retirement?

     Think about it, we post a hedge around, people wasting our time. A gps will do the same thing, but with your finances. With the gps, we can now post a hedge around our every dollar of your cash flow, so our dollars are not wasted.

You Need A Gameplan

Your Kid's College Tuition Costs

     This Chapter is to educate and make efficient and effective, your University College cost dollars.

     College Tuition Planning, for your son or daughter.

     Problem: just when you get into midlife, usually making your top income, you then feel like you can really start significantly saving more for retirement, but now funds are needed, to fund your son or daughter’s University College costs. These college costs can derail your retirement savings. How do you find your son or daughter’s best college academically, socially and at the right price (a wholesale price, not a retail price).

     Solution: Do not use your retirement savings to fund your son or daughters’ college costs. Lending institutions will lend you money for college costs, but will not lend you money to retire on. Work with a professional “college funding financial planner”, to find out how to find the best college academically, socially and at the wholesale price (not the retail price). What if it was potentially possible, if there were financial
strategies/programs, where you could get those college costs, that you paid to the universities, you could get them paid back to you.

     The typical annual RETAIL tuition costs, just for tuition is $40k/year for a private school, $20k/year for an “out of state” public school and $10k/year, for an “in state/resident” public school. But college costs are more than just the tuition. When you look at total costs, more costs to be added in, such as college room and board (college dorms and food), then
travel, weekend food, lab fees, books and other incidentals, that total cost of college, can double (the total cost of college, can end up being, twice the cost, of just the tuition cost).

     We know with public schools, there can be athletic and band scholarships etc. Plus, with both private and public schools, there can be some academic scholarships (that can reduce the net cost), but still the total cost of college tuition today is astronomical. So, looking at the above-mentioned total cost/price range (as stated above), one year of college, could be an annual cost of between $20k-$80k a year (ivy league schools and colleges like “USC/University of Southern California”, just announced, they are now over $100k a year). So, for simplicity, let’s just take a median range (of the above numbers) and say, annual college total costs are $40k a year (per child). For a four-year college, which is $160k per child. If a household, has three college students, that’s a total household RETAIL college cost of approximately $500k (and that's if all your kids graduate within four years, plus that does not include if they go on to graduate school, or Master’s or secure a PhD degree). Where is this $500k going to come from?

     First off, is the cost of college worth it? Virtually every study and research material show, that the higher lifetime income potential of a college graduate, over a non-college graduate, is so much greater, than the college cost, the cost of college, is worth it. But the college costs are
astronomical (for the parents).

     There are lots of tools available, through your son’s (or daughters) high school ,which can assist the upcoming college student, in career placement etc., so the upcoming college student can find their niche right away (so they are not switching majors along the way, so this will help bring a greater probability, of them graduating with a four years’ time period). Statistics show that 30% of all college graduates now graduate in 4.5 years or more. There are also tools available to help your college bound son (or daughter) to find the right school socially (where they will thrive and not just be struggling, to survive. This will also give a higher probability of graduation in a timely manner). High school counselors, can provide some of these resources, but high school counselors are spread thin. High school councilor’s average workload is working with over 100 students, per one counselor. High school counselors are also dealing with much more on their mind, than just helping the high school seniors find the right college. High school counselors are not specialist, in college planning and are spread so thin, dealing with also so many other problems, of the other 100 students, such as:

  • dealing with broken families

  • dysfunctional families

  • child abuse

  • bullying

  • drugs

  • weapons in school

  • premature pregnancies etc.


     Today’s high school counselors deserve a medal, for all they do. They are underpaid and overworked (their time and attention are spread very thin). Today's average high school counselor, is spread thin and they really (at best), can only be a generalist, in pointing your son (or daughter), in the right direction, to find the best college (for them), at the best price (for you the parent). Utilizing additional resources, above and
beyond (the high school counselor), is highly advisable. Utilizing other “open market” resources, that you can secure, like the services of a “professional college financial planner”, this can save you well over $100k, per child, of otherwise costs. Don’t let college tuition costs deplete or derail your retirement savings. By strategically not allowing college costs, to derail your retirement savings, you will be able to retire
earlier.

     What if there was a way/program etc., where you could get “discount” college costs and also, receive back, those costs, you paid……what might that mean to you? Well, one thing it might mean is that you could retire ten years earlier.

     To find the right college and only pay the “wholesale” price, not the retail price. Plus, to be able to get back the costs you paid. Contact us, you will be glad you did.
Come and see.

Your Kid's College Tuition Costs

Disclaimer & Regulatory Requirements

     First disclaimer:
     The advice and strategies in this book, constitute the opinions of the author and may not be appropriate for your personal financial situation. You should, therefore, seek the advice and services of (your own personal) a competent financial professional, before utilizing any of the investment strategies, in this book. this book is copyrighted in November
2022. Ken Walbridge. This book is published in the United States of America, with All rights reserved. No parts of this book may be used or reproduced in any manner. Further disclaimer, on the back page(s).

     Required Disclaimer and Regulatory issues (next six pages).

     This publication contains the opinions and ideas of its author/the author. It is intended to provide helpful and informative material on the subject matter covered. It is sold and distributed, with the understanding that the author, any party associated with the author and the publisher are not engaged in rendering professional services in this book. The information provided is not intended as tax, investment or legal advice, and should not be relied on as such. If the reader requires personal assistance or advice, you are encouraged to seek tax, investment or legal advice from an independent professional advisor. The author, any associations with the author and the publisher, specifically disclaim any responsibility for any liability, loss or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, for the use and application of any of the comments in this book.

     Trademarks: all terms mentioned in this book that are known to be or are suspected of being trademarks or service marks, have been appropriately capitalized (or marked). The publisher cannot attest to the accuracy of this information. Use of a term in this book should not be regarded as affecting the validity or any trademark or service mark.

     In whole, or a portion of the information provided in this book, was prepared by Ken Walbridge. This book provides general information that is intended, but not guaranteed, to be correct and up to date information, on the subjects discussed, and should not be regarded as a complete analysis of these subjects. You should not rely on statements or representations made within the book or by any externally referenced sources. No party assumes liability for any loss or damage resulting from
errors or emissions or reliance on or use of this material .

     The contents of this book should not be taken as financial advice, or as an offer to buy or sell any securities, fund, or financial instruments. Any illustrations or situations presented are hypothetical and do not take into account your particular investment objectives, financial situation or needs and are not suitable for all persons . Any investment and or investment strategies mentioned involve risk, including the loss of principal. There is no assurance that any investment strategy will achieve its objectives. No portion of the content should be construed as an offer or solicitation for the purchase of any sale of security or advice for any financial product or security. Any insurance products mentioned are guaranteed by the claims
paying ability of the insurer and certain limitations and expenses may apply. The contents of this book should not be taken as any endorsement or recommendation of any particular company or individual, and no responsibility can be taken for inaccuracies, omissions, or error.

     The author does not assume any responsibility for actions or non-actions taken by people who have read this book, and no one shall be entitled to a claim for detrimental reliance based upon any information provided or expressed herein. Your use of any information provided does not constitute any type of contractual relationship between yourself and the providers of this information. The author hereby disclaims all responsibility and liability for all use of any information provided in this book. The materials here are not to be interpreted as establishing an attorney-client or any other relationship between the reader and the author or his firm or any other associations with the author.

     Although great effort has been expended to ensure that only the most meaningful resources are referenced in these pages, the author does not endorse guarantee or warranty any accuracy, reliability or thoroughness, of any reference information, product or service. Any opinions, advice,
statements, services, offers, or other information or content expressed or made available by third parties, are those of the authors or publishers alone. References to other source of information does not constitute A referral, endorsement, or recommendation of any product or service. The existence of any particular reference is simply intended to imply potential
interest to the reader .

     The views expressed herein are exclusively those of the author and do not represent any views of any other persons or organization which the author is or may be associated to.
     Any and all real or potential references to:
     A) index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claim paying ability of the issuer. Please refer to our firm brochure, the ADV 2A item 4, for additional information.
     B) any comments regarding safe and secure products, and guaranteed income streams were for only two fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed insurance and annuity products guarantees are subject to the claims dash paying ability of the insuring company and are not offered by Brookstone.
     C) registered investment advisors and investment advisors representatives acts as fiduciaries for all of our investment management clients. We have an obligation to act in the best interest of our clients and to make full disclosure of any conflict of interest if any exists please refer or refer to our firms brochure, the ADV 2A ,item 4, for additional information .

     Extra recap of required disclaimers.
     The strategies outlined in this book may not be suitable for every individual and are not guaranteed or warranted to produce any particular results. Presentation of performance data heading does not imply that similar results, will be achieved in the future. Any such data is provided merely for illustrative and discussion purposes: rather than focusing on any/the time periods used, are the results derived, the reader should focus instead on the underlying principles. This book is sold with understanding that neither publisher, nor author, through this book is engaged in regarding rendering any legal, tax, investment, insurance or financial or accounting or other professional advice or services. If the reader requires such advice or services a competent personal professional should on your own. Consulted your own personal competent financial professional, financial planner CPA, attorney, etc. Relevant laws vary from state to state. No warranty is made with respect to the accuracy or the completeness of the information contained herein, and both the author and any associations of/with the author, including the publisher, all parties specifically disclaim any responsibility for any liability, loss, or risk, personal or otherwise that is incurred as a consequence, directly or indirectly, of the use and application of any of the context in this book . This book is written under the right of the First Amendment of the constitution of the United States.
     While this publication is designed to provide accurate information related to the subject matter covered, no portion of the book contents is or should be construed as a substitute for individual investment, financial planning, transaction and or investment planning advice.
     The author makes liberal use of case studies and examples, unless there's otherwise noted, all identifying information has been changed ,so any resemblance of actual individuals, living or dead or companies, is purely coincidental. No reader should construe that any discussion in this book, of actual client experiences, serves as an indication or assurance, that an existing or a perspective client, will experience a certain level of results.
     The advice and strategies in this book constitute the opinion of the author and may not be appropriate for your personal financial situation ,you should therefore seek the advice and services of your own personal and competent financial planner before utilizing any of the investment strategies advocated in this book . Money mapping contains the other authors views and opinions, the recommendations in this book should be considered for informational purposes only and not investment advice . For your individual personal specific situation, no investment results should be expected from following any of the approaches outlined in this book. If you have any other questions regarding this disclaimer and limitations, related to the information contained, in this book, we are able to address them.

     Live Well, Wise and Worry-free.

Disclaimer & Regulatory Requirements
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