How much will you have when you’re ready to retire?
Few can answer this question definitively…including your financial planner.
Most are simply “hoping” they’ll have enough.
Unfortunately, market corrections, contractions and collapses happen.
During the Great Economic Recession well planned and curated retirement plans were the wrong age at the wrong point in the economy. We took note as we watched those nearing the end of their labor years get sentenced to 5- 7 additional years in the workforce. We say sentenced because their plans were unexpectedly altered against their wishes. They worked, they planned and they saved but didn’t realize they lived on hopium.
Like most, we like to win, but unlike many, we don’t believe that must come at the loss of others.
We believe those preparing for retirement are wise to remember the hardknock lessons learned from the Great Economic Recession..
Today’s workforce must do more than comfort themselves or believe they are safe and protected because they have a 401k, a fragile government pension plan, or group retirement plan facing the same financial strains of social security.
As a former California teacher, I’m shocked by CalSTRS nonchalance over the more than 71 BILLION dollar shortfall:
Now some critics claim that CalSTRS is heading toward insolvency, and therefore should be eliminated. While there is a $71 billion shortfall, this does not have to be paid overnight. Like a mortgage, this is an amount that will need to be closed over a 30-year period…read more here
California teachers aren’t alone with financial shortfalls and pension plans in general are being cut back significantly or eliminated altogether. Public servants who give a lifetime of love and labor are going to be hit the hardest during retirement.
Retirement and pension plans are “diversified” but that’s usually limited to Wall Street’s offerings. When Wall Street gets hit, so do these accounts. What if you could reallocated a portion of your retirement funds to truly diversify your portfolio penalty free?
eQRP is a way many people can gain hands-on control of their retirement funds for investment purposes. This Enhanced Qualified Retirement Plan allows participants to decide for themselves where their money will be invested!
If you’re concerned about how your retirement managed and want an alternative investment strategy click to receive a FREE book explaining the eQRP!
Schedule a call now and receive your FREE copy of the QRP Book. Learn how to get your 401(k) and IRA money in your hands, in your checking account…

We want to help you take control of your investments…move from Wall Street to Main Street. – Julie and Steve
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