Preserve Life’s Wondrous Moments with Life Insurance

From simple pleasures like enjoying quality time with loved ones to major milestones such as seeing your child graduate or walk down the wedding aisle, these are the moments we cherish most. You work hard to make sure your loved ones have a comfortable life, and hopefully one that includes its fair share of wondrous moments. But if you were suddenly out of the picture, would your loved ones have the same opportunities and quality of life? Life insurance helps ensure that the lifestyle you’ve worked so hard to achieve for your loved ones won’t come to a halt if something were to happen to you.

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What Are Your Chances of Success?

The Study of the 100 Men

The 100-man story is a widely used historical study that was complied by the Department of Health and Human Services that found that for every 100 people in the workforce, the following outcomes would exist at age 65:

• On average, roughly 16 out of 100 do not live to reach age 65.
• Sixty-six who do live to reach age 65 and have incomes at or below $20,000 annually forces them to become dependent on their children, government, or charity, or requires them to continue working in some capacity beyond age 65.
•  Fourteen will have income in excess of $30,000, giving them the ability to be financially independent. Unfortunately, $30,000 of their annual income does not provide a very substantial quality of life.
• Only four people have an income in excess of $50,000 annually, which make them both financially independent and successful. Some would argue that the number would have to be much larger than $50,000 annually in order to maintain the current standard of living of many individuals.

*Source: Social Security Administration, Office of Research and Statistics, April 2000.

Why is it that 96 out of 100 people studied with strong middle-class jobs and incomes throughout the course of their working careers failed to achieve any substantial financial security and success in retirement?

How can it be that only 4 percent of Americans will become financially successful in their retirement? Aren’t we the world’s wealthiest nation?

For many years, the response by the financial services community was simply that people fail to plan…or to save. We know that many of these people are planning, but unfortunately, may be working with advisors that don’t truly understand all of the moving parts of a successful plan. Why does it seem more difficult than ever to succeed financially, given the advancement in our technology and culture?

What’s the Problem?

We seem to have all of the ingredients for success, yet most people never fulfill the American Dream. Why is it that many of us come up shorter than we planned in our financial goals? We seem to have plenty of access to financial information. However, there seems to be little evidence of widespread knowledge in financial matters.  We are lacking in our overall fiscal literacy and financial awareness.

In studying this behavior for nearly 15 years, we found that people’s inability to save has two basic components. (1) The smaller part is the lack of personal discipline to save. Most people want to save. They just can’t seem to find the money. What’s left after the government, banks, automotive finance companies, and credit card companies get paid? (2) The bigger problem facing us is the general lack of fiscal literacy.

Many people have no access to their accounts without paying surrender charges or penalties. They’re deferring income into retirement plans, and prepaying mortgages while carrying nondeductible debt. Many people don’t even know how much they owe. They need to look it up. They use one credit card to pay for another bill, and postdated checks to pay for others.. Many people even resort to gambling or buying lottery tickets as their hope for financial security.

One Foot on the Gas and One on the Brakes?

Let’s take a look at how the average American drives down the Financial Road of Life. Picture someone driving down the highway with one foot on the gas and one on the breaks. He can’t figure out why the car won’t go any faster. He’s trying everything he can think of: buying new tires, adding high-grade motor oil, and putting a high-grade of gasoline into the vehicle in an attempt to get it to move faster down the road. It doesn’t make any sense. As an outsider, you probably want to shout, “Just take your foot off of the brake!”

Unless you have properly coordinated and integrated plans, you may be inadvertently doing the exact same thing with your financial plan. This is owing to a lack of understanding of how money works. This book is designed to teach you how to take your foot off the brakes!

You won’t know until you take stock of your current financial status with a financial checkup. Make sure to examine all the areas that you may be unnecessarily transferring money. You can then recapture that money, and put it to use for yourself. Next, you can identify more efficient ways to build and create new wealth.

I hope that after you read this book you will change how you think about money. I want you to understand not only how to purchase financial products, but also how to create efficiency with your money. Ivy League Wealth Secrets explores simple, yet effective methods of reducing and/or eliminating many of the common transfers of your wealth. The savings from these measures could be substantial.

The application of your new knowledge should create more options and offer additional financial opportunities for you. Most of us lack new ideas. We have become robotic in our routine financial dealings. We end up letting others control our money. We’ve been slowly and systematically defeated by banks, taxes, and the burdens of our personal consumer debts.

Your chances of substantially increasing your wealth will be based on your skill of creating situations, controlling your outcomes, and then profiting from them. We want to help change your life by teaching you how to establish your own financial decision process. This is not about finding better investments or cheating on your taxes. It is about making informed decisions.

You can live the life you’ve always dreamed about. You don’t need to live a life of clipping coupons, purchasing cheaper products, or adhering to a budget. Systematic wealth building is exactly the opposite. It is an empowered process that allows you to control the outcome.

Knowledge is power. You must use your knowledge to create your financial environment. Consider the cost of not knowing (or not acting) on something. Most people make their financial decisions with incomplete data. They operate somewhere between opinion and fact, between myth and reality. It will be up to you to identify what is opinion and what is fact in your own financial lives.

Pay It Forward? Hopefully you found the contents on this site useful. Our mission is to promote financial awareness and spread fiscal literacy throughout the world. Our goal is to enhance the lives of over 1M people this year. If you know if anyone else that could benefit from finding some money and eliminating unnecessary wealth transfers, please forward this page to a friend. Remember, if you’re not part of the solution, you might be part of the problem. Thank you in advance for your support and your help in spreading our message.

Why does thinking about money seem to cause so much stress? Financial discussions seem to bring up feelings of anxiety for many people as well. Imagine a life where money doesn’t cause you any worry, confusion or anxiety. Imagine a world where we all understand the science of money. A life where there is no fear surrounding money and personal finance. Imagine a life where you are in control of your money…and your money is not in control of you!

The rich do get richer, and you can too. The reason that the rich get richer is often over looked. Most people would simply like to argue that they aren’t rich because they weren’t born with a silver spoon in their mouth. While that is a convenient excuse for not reaching your full financial potential, many others were born in worse straits than you and managed to climb their way to the pinnacle of financial success. The rich get richer because they have something saved. Once you can develop the discipline and habits to save something, a new world of opportunities may open up to you. You would be surprised at how the world takes on a new life and a new view with a few dollars in your pocket. New opportunities begin to present themselves to you.

Not everyone attends business school. This book is designed to give everyone a glimpse of practical, real world business school training. Quite a bit of our training at Wharton was devoted to analyzing case studies, which helped up gain insight and knowledge into how countless successful entrepreneurs built their companies and amassed their fortunes.

Wealth Traps: Do you and your current advisor have a strategy to help you avoid these common wealth traps? Hint: There are few products that can solve these issues. Only coordinated planning and strategy will do the trick.

Common Wealth Traps Include:

• Inflation
• Market Corrections
• Saving Enough to Educate your Family
• Fees, Expenses & Costs
• Lawsuit Risks
• Taxes and Tax Law Changes
• Loss of Employment (Emergency Fund)
• Interruption in Income Due to becoming Sick or Hurt
• Loss of Income due to a Premature Death
• Protection from Creditors and Bankruptcy
• Overpaying for Insurance
• Consumer Debt and Interest Rate Risks
• Transferring Too Much Wealth while Paying for your Home
• Estate and Legacy Planning Issues
• Business Succession and Transfers

While attending the Wharton school at the University of Pennsylvania I was lucky enough to have access to some of the greatest financial minds in our nation. I was taught the secret science of money and wealth building. I now want to share it with you. Once you understand the formula, and the key players, it is easy to accumulate wealth for yourself.

Most of us are taught, at a young age, by our parents, to work hard and to study hard. The educational system assures that we are taught the basics of reading, writing, arithmetic, history, and science. Many of us get great educations and refine these skill sets to very high specialties. Unfortunately, along the way, very few of us are ever given any basic consumer financial education. I have worked with thousands of clients and very few, if any, have ever had a course that taught them the basics of consumer finance.

Few people have ever been properly trained on how to select the right mortgage program for themselves, or how to compare and contrast automotive financing options (is it more advantageous to lease, purchase or pay cash for a vehicle?) They don’t know how to structure their consumer debts or school loans, how to select the appropriate limits and levels of insurance, how to utilize their 401(k) plans and retirement programs, or how to maximize tax deductions that are legally allowable to them.

Unfortunately, most of us learn the rules of finance by playing the game…a basic trial and error approach. As we learn, we can end up transferring tens of thousands, if not hundreds of thousands of dollars away unnecessarily. It is one thing not to know that this is happening, but it is quite another to ignore these facts once they are pointed out to you.

Our goal is to facilitate some basic discussions about fiscal literacy and consumer awareness, to show you how to highlight areas where you may be transferring away missed opportunities and by re-capturing the wealth that others are taking from you. This occurs at many different levels and many different times throughout your life, and it is critical for you to identify and eliminate these unnecessary transfers of your finances. This book is designed as a forum for us to do just that. Read Ivy League Wealth Secrets Today!

Who is helping you to maximize your wealth potential?

Who are you working with, and what process are you following to help you reach your potential?

In your current world, your wealth will come under the attack of: Taxes, Fees, Market Fluctuations & Correntions (even crashes), unnecessary expenses, financing costs, accidents & lawsuits, and even inflation erosion…to name a few.

Simply funding your 401(k) plans, or picking stocks will probably not help you overcome all of these Wealth Traps.  You will need a coordinated and integrated set of financial strategies to overcome these risks.  You may want to consider partnering with a financial coach to design a game plan.

Few financial products can help you overcome any of these Wealth Traps. Process is vitally more important than products. Learn more by reading Ivy League Wealth Secrets today. Visit us at www.ivyleaguewealthsecrets.com

Do you know what everything you own is worth?
Do you know where everything is?
If you don’t know, you should…If you want to know, you can. 

How do you organize and store your financial records? 

Do you have a process to evaluate the firms and people managing your financial affairs? How do you know if you hava a winner, or a C student at the helm?

Maybe its time to leave the salesman behind and consider partnering with a Financial Coach.  If you were a CEO running a company, you would have a CFO (Chief Financial Officer) to help you evaluate the pro’s and con’s of your financial decisions.  Who is filling this role in your life?

Do you have an organized program, or do your finances look like the kitchen junk draw?  Most families spend more time annually planning their vacations, than they spend planning their financial future.

Ivy League Wealth Secrets can help you determine the roles that a financial coach can play in your life, and offer you some selection criteria.  Get your copy today!

Are you working with a bunch of self-serving product peddlers, or do you have a financial coach?

How do you know that your financial professionals are working with your best interests in mind? and How can you make sure?  A salesman works on his (or his company’s agenda), a financial coach works on your agenda.

Do your financial professionals only call you when its time to sell you something?
How much value do they add throughout the course of the year?
How much contact do you have with them?  Who initiates the contact?… you or them?
Have they helped you find any money this year? If so, where?
Do they offer guidance on the things that they sell, or are they helping you to coordinate various products and services?

Learn more by reading Ivy League Wealth Secrets by Keith Soltis

Where does all of your money go?

Who are you working for?  It seems like we work for the governent, the mortgage company, the automotive financing company, the school loan finance banks, the credit card companies, the utility companies, the gas company, etc.   Have you ever wondered why you can’t save more?

Maybe the problem is all of those banks that keep consuming the bulk of your paycheck.  Own the stuff…don’t let the stuff own you!  If you could reduce your annual expenses by 5-6% annually, you could re-direct that savings into your cash flow and improve your lifestyle… or you could save those dollars for the future.  Either way, you are now in control of these new dollars.

There are many easy ways to begin reducing and eliminating all of the financial middle men in your life! Just follow our step by step guide.

Read Ivy League Wealth Secrets to learn how to reduce or eliminate the impact of others (banks, government / taxes, corporations, insurance companies, fees, etc.) on your financial bottom line.

Who is in control of your finances?  … You or the banks?
If you don’t have a process you will default to the financial process of the Master Planners.  Their goal is to take yout money.  Learn how to defend yourself against these thieves. Read Ivy League Wealth Secrets today!