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What stockbrokers and insurance agents say about doctors & selling them investments:
Treat 'em like mushrooms - keep 'em in the dark and cover 'em with...
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Dear Doctor:
Are you tired of being treated like a mushroom? Do you want to be sure, beyond any doubt, that you will be able to ...
1. Achieve financial freedom.
2. Put your kids through college - even graduate school.
3. Protect your parents - and yourself against the crushing burden of long-term health care.
4. Beat inflation with your investments, and
5. Cash out your practice for the maximum value at retirement.
If you want to achieve all of these goals, and even more, who you gonna call? More important, who you gonna trust?
For a growing number of American dentists, the answer is Jim & Suzanne Du Molin. The Washington State Dental Society, the Academy of General Dentistry, and the Auxiliary to the American Dental Association are just three of the dozens of national, state and local societies that have chosen Jim & Suzanne to educate their members about the realities of both personal and practice financial planning.
What's the secret? Each of these prestigious organizations has learned that Jim & Suzanne fill a huge, gaping niche that stockbrokers, insurance agents and even the financial press simply aren't able to. Jim and Suzanne's advice is...
totally objective and unbiased. They do not sell stocks, bonds, mutual funds, pension plan management services or limited partnerships. Jim & Suzanne Du Molin are among the 2% of financial planners who earn their living solely from the advice they give - not from commissions on financial product sales.
Exposing The 7 Greatest Money Management Myths
Let's start by clearing away the smoke around getting rich.
1. The Bond Myth. It goes like this: "To live a $60,000 lifestyle in retirement, all I need is $750,000 conservatively invested in a bond portfolio earning 8% interest."
It's almost criminal. The reality is that inflation will eat away at the purchasing power of your bond income and principal, leaving you with...
just a fraction of what you may need to live on in retirement.
2. High Risk = High Return. Not true. From 1968 to 1989, conservative growth & income mutual funds dramatically outstripped their high-risk competitors - in both bull and bear markets.
3. Market Timing. This is just another "Buy Low, Sell High" scam designed to sell you expensive newsletters and telephone switch "hot lines".
If market timers could predict the market, they would all be billionaires... instead, they're trying to sell you newsletters.
4. Life Insurance as an Investment. Life insurance companies promote the ridiculous notion that you should tie investments and insurance together.
Unbundle the two. Buy straight term insurance. Do your investing on your own... and you won't be helping insurance companies and their agents get fat off of your dollars.
5. Your Home as an Investment. "Buy the largest, most lavish, most expensive home for which you can beg, borrow or steal the down payment."
This strategy was great if you bought your home in the 60's or 70's, but totally ignores the current economic reality and the coming change in the housing supply and demand curve.
6. GNMAs as Long-term Investments. When interest rates rise, the market value of your GNMA bonds or funds goes down. When interest rates fall, the underlying mortgages are refinanced at lower rates and your values go down. Heads you lose, tails you lose!
7. Your Broker as an Investment Advisor. The Truth:
* A broker is a commissioned salesperson.
* He makes money when you buy and sell.
* He makes money even if you lose money.
* If he doesn't make his commission quota, the firm fires him.
* The firm pushes him to move product "off the shelf" - whether it's right for you or not.
Straight Talk About Money, Financial Independence & Getting Rich
If you want straight talk on how you and your spouse can realistically achieve financial independence, plan on attending Jim & Suzanne's next workshop - STRAIGHT TALK About Money & Building to Retirement.
You'll learn...
* The top ten proven & legitimate ways to reach financial independence.
* How much money you need to live the lifestyle you desire in retirement.
* How to calculate your monthly and annual savings requirements for financial independence.
* How to beat inflation and earn a real return on your money after tax.
* How to evaluate the relative risks between investment in U.S. stocks, bonds, Treasury bills, real estate and international stocks.
* How to minimize the 3 main risk factors associated with investing in stocks.
* The 6 red flags that should immediately warn you against buying a mutual fund.
* How to keep your money in the family and avoid "Probate Purgatory".
* The 5 key advantages of using a Living Trust.
* When it's better to take the money currently vs. investing in your retirement plan.
Plus, you'll learn 3 key strategies for maximizing your investment returns...
First, you'll learn how to invest for growth during your peak earning years, ages 45 to 60. Jim & Suzanne will give specific recommendations for no-load stock, bond, and international funds.
Second, you'll learn how to guard your wealth against inflation and a shrinking standard of living during your retirement years.
Third, and even more important, you'll learn an easy step-by-step method to make investing a habit. This method was specially developed by Suzanne Du Molin to help her clients enforce the discipline needed for investing money on a monthly basis. You can do it, too!
How to Cash Out Your Practice for the Maximum
Amount of Money!
If you're like most doctors, your practice is your primary investment asset. Getting the highest possible return on your practice investment is the key to a comfortable retirement on the golf course vs. living in a mobile home.
Jim Du Molin will lead a special session on how to develop your strategy for practice liquidation, including how to structure an associate buy-out that ...
* Protects the senior doctor with a guaranteed daily profit form day one.
* Establish a WIN-WIN associate compensation strategy.
* Move from an associate relationship to a partnership to a sale.
How You Can Stop Being Treated Like A Mushroom...
Call our office at 1-800-795-2946 for Jim & Suzanne's STRAIGHT TALK About Money & Building to Retirement. It is available on audio tape, including a detailed 58-page study guide.
Don't hesitate to call them if you have any questions.
Sincerely,
Jill Colombo
Program Director
P.S. Don't forget our "Results-or-Else Guarantee". If you don't agree that the course will significantly help you in reaching your personal financial independence goals, we'll refund your the price you paid for the tapes, in full. At any time. No questions asked.
