Numbers Don't Lie

INVESTING  $100,000 IN  S & P  STOCKS VS. INDEXED ANNUITY
With 20% Bonus
YEAR	S & P 500	S&P 500	$ AMOUNT	Monthly PT. to PT.
	INDEX	GAIN/-LOSS	VALUE	Indexed Annuity
			S&P Stocks	Monthly 1.0% Cap
				Max Spread 12%
2000	1469		$  100,000	$     120,000
2001	1366	-7%	$    93,000	$     120,000
2002	1130	-17%	$    77,190	$     120,000
2003	886	-22%	$    60,208	$     120,000
2004	1131	28%	$    77,066	$     134,400
2005	1181	4%	$    80,149	$     139,776
2006	1280	8%	$    86,561	$     150,958
2007	1438	12%	$    96,948	$     169,073
2008	1379	-4%	$    93,070	$     169,073
2009	826	-40%	$    55,842	$     169,073
2010	1074	30%	$    72,595	$     189,362
2011	999	-7%	$    67,513	$     189,362

Never Lose Any Principal or Previous Years Gains
Participate in the Market Without Any Downside Risk

Life Comes At You Hard !!

A recent surveys found that:
1. 27% of us do little or no financial planning. 
2. 27% have enough funds to deal with the unexpected.
3. 30% think the funds they have saved will be augmented by a pension.
4. 20% think their retirement will include funds provided by family members.
5. 60% expect to work beyond their normal retirement age.
6. 60% do not think they will have enough saved to live life the way they did prior to retirement. 
7. 70% did not know that a college education in California is around $150,000.

What a hard conversation it would be if your kid was accepted to college and you had to tell your son or daughter they could not go because you did not think about or save any money for their college education.
Do not let this happen to you. Give me a call and lets get you on track to financial freedom and insure you have sufficent funding to send your child to college.

BlackRock States Investors are Spooked and Frozen in Place

Read an article today from Black Rock Funds. It simply stated that investors are so spooked that they are frozen in place! Investors are so spooked that they are shying away from stocks altogether. This is coming at a time when the S&P 500 stock index is currently turning double digit returns! Do you think investors are tired of losing money? You bet! Investing in the stock market today is like gambling in Las Vegas. If you find a hot dice table, blackjack table, or one arm bandit you may make some money, however, have you seen the new hotels in Las Vegas? They did not build them from you winning at their tables. Your path to financial freedom is much more important than Las Vegas. Place your money where you cannot lose, only win. Yes, those investments are out there and investors just like you and I are enjoying financial freedom and could care less about a stock or mutual fund. Give me a call or send an e mail and we can further discuss your road to financial freedom.
Albert Viola
818.939.9117
albertviolajr@yahoo.com

More Turbulent Times Ahead

The typical 401K and IRA world today is; well I lost money this month, hopefully the market will come back next month or next quarter! Generally this is what most baby boomers, seniors, and the generation x say! Let me ask you a question, do you really have time to make up your losses? I played alot of sports when I was younger and trying to catch up in a baseball game or football game is alot harder. Sometimes when all else fails trying to catch up, we lose sight and do some rather dumb things; (ie) we do not stick to the game plan. Don't waste time trying to catch up financially. Make sure your retirement is placed in a secure vehicule where you cannot lose one nickel. Place your retirement in a vehicule where:
A. Your money is tax deferred.
B. You can sock away larger amounts of cash vs. a 401K or IRA. 
C. Lifetime income, let me repeat...lifetime income.
D. Your money will compound faster since it is tax deferred.

Give me a call at 818.939.9117 and we can further discuss your path to financial freedom.