Your Money Secure It! Don’T Risk It!!: The Essential Guide to Play . . . Not Work During Your Retirement Years

By David Reindel

Your Money Secure It! Dont Risk It! is an absolute must-read for anyone in or nearing retirement. This fast-paced read covers critical steps every retiree must have to keep from running out of money during their golden years. True stories and testimonials illustrate Dave Reindels dynamic solutions in action, while solid, numbers-based retirement models compare the consequences of market-risk to his secure retirement strategies, which can be set up to actively grow and preserve your money while ensuring a lifetime stream of income you cannot outlive!

• Language: English
• Publisher: Xlibris US
• Release date: Jun 30, 2015
• ISBN: 9781503581586

David Reindel

David Reindel is the owner and founder of Reindel Retirement Solutions, based in Mystic, Connecticut. Having hosted hundreds of consumer seminars and radio shows over his thirty-seven-year career, Dave has helped thousands of families and individuals grow and protect their retirement dreams. A nationally recognized expert on all aspects of retirement planning, his unparalleled focus on reliable asset preservation and lifetime income has led to wide recognition of his integrity, knowledge, and experience, especially for the creation of workable individual retirement solutions for people of all ages and walks of life.

Book preview

CHAPTER ONE

The Wages of Risk…

How to Avoid Financial Disaster

I F YOU HAD no other perspective than a tunnel-view of current markets and economies, you might assume a soaring market would spell unending prosperity. You might even be tempted to add more risk to your financial future, because runaway bull-markets might tempt even the more prudent investor. At this writing, we’ve seen the S&P index soar to unheard of new heights. We’ve listened to all sorts of people brag about their latest killings on Wall Street.

But let me tell you about bull markets and runaway enthusiasm. It’s like a never-ending story. Bull and bear markets each have a beginning, a middle, and end, just like all stories. When the horror story of the Great Recession finally ground to a bitter end, the average investor had been hardened by a season of hard knocks after the DOW came crashing down. These days, you can ask them what they think as the DOW soars and dips in the rarified environs of 18,000 and above. They know better. They have achieved the wisdom of experience. They now have most of their money in a fortress of income guarantees, with principal that can never evaporate with the next dive on Wall Street.

Yes, some have reached into what I call their red wallet. The red wallet is where they stash the money they know they shouldn’t risk. This is the sacred cow of core ‘principle,’ the fail-safe money put to work in ways designed to provide guaranteed income for life. Some have risked this kind of money against my best advice and long experience, so I have devised even more flexible plans, which I will talk about later on. But first and absolutely foremost, if you want to work with me, you must know that I am a mathematician. I am a life-long student of the hard realities of numbers and economics. I’m talking about the entire, world history of economies, not just the short-term ‘euphoria’ triggered by reactionary American bull markets. With that perspective, I can safely say, Yes, we can take advantage of bull markets. But you must know how to participate without risk.

Impossible Made Possible

Impossible, you say? I answer in the affirmative: Yes, it IS possible. You can MAKE money in a bull market without risk. You can do it without losing money, without risking a cent of your life savings. In this book I will show you how.

In this book, I will share secrets intended to help almost every American, people of all walks of life who want to retire with peace of mind. In this book, you will get the facts and substance, not just gauzy promises, as presented through techniques and financial instruments that will change your life… the minute you hit the go button.

No matter what kind of market we’re seeing at any given time, the trick is to avoid risking a red cent as you make your money grow… even as you take income. Yes, it can be done! You can actually earn while you turn your savings into monthly paychecks. I can show you how to achieve the seemingly impossible combination of gain without loss.

Again, the solutions I’m about to share in this book did not appear overnight. It took years of research and experience. Yet, my methods have been proven time and again, in market corrections, in overnight adjustments turning billions of investor assets to dust. My plans have survived the most catastrophic financial markets known to humankind since the Great Depression, which, in fact, was triggered by the stock market crash of 1929. Not so differently than the Crash of 2008, although we had a few chocks in the bursting dike, this time around.

Our more recent economic tsunami began to thunder inland around 2007. Investors at the time were in ecstatic over a market characterized by under-powered shares with high-powered prices, and quick profits with things like bundled real estate/mortgage investments. Big killings were sometimes realized overnight until the dawning of a horrible reality: October 2008. This is when we saw the collapse of bundled, mortgage-backed securities, which begat waves of failure among financial institutions. If it began on Wall Street, the red-tide of economic collapse swept worldwide. The fall was so pervasive, and precipitous, it took down more than just the world of stocks, bonds and mutual funds. The Great Recession of 2008-2009 took down entire industries, some of which never quite recovered. Much of the publishing and newspaper industries were swept up in the financial tsunami… and never quite recovered.

Neither did millions upon millions of retirement portfolios. Average Americans saw half their savings go down the tubes in an afternoon. You were probably there. I know I was. I knew the economy was in trouble and that the market was due to fall. Yet, like most people in the financial world, I had no idea just how far the pendulum would