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Your Survival Guide to Money and Investing During Retirement

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Your Survival Guide to Money and Investing During Retirement

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How to protect and grow your investments during retirement. If you are retired and have funds invested in the stock market and if you want to live well in retirement and avoid unpleasant surprised down the road, this Survival Guide is for you. If you are like me, you would prefer to hold on to any GAINS and avoid LOSS of principle, receive investment GROWTH above the norm and enjoy greater financial SECURITY and peace of mind, support an independent, active LIFESTYLE. And leave a legacy. Here's how I plan to do just that.

How to protect and grow your investments during retirement. If you are retired and have funds invested in the stock market and if you want to live well in retirement and avoid unpleasant surprised down the road, this Survival Guide is for you. If you are like me, you would prefer to hold on to any GAINS and avoid LOSS of principle, receive investment GROWTH above the norm and enjoy greater financial SECURITY and peace of mind, support an independent, active LIFESTYLE. And leave a legacy. Here's how I plan to do just that.

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Your Survival Guide to Money and Investing During Retirement

  1. 1. Why BUY and HOLD is DEAD... And What Others Are Doing To PROTECT & GROW Their Retirement Funds
  2. 2. Warren Buffett’s “Law of Inevitable Wealth” Has Only 2 Rules:
  3. 3. 1. Never lose money 2. Never forget rule #1 Bear Markets steal our wealth... 20 Year Results for S&P 500 (to 6/26/2014) When will the next Bear Market hit?
  4. 4. If You Are Retired & Have Funds Invested In The Stock Market and...
  5. 5. You Want To Live Well In Retirement and...
  6. 6. Avoid Unpleasant Surprises Down The Road...
  7. 7. You’ve Come To The Right Source - I’m About To Show You…
  8. 8. What every retired person with money in the stock market needs to know....
  9. 9. If you’re like me - you would prefer to • Hold on to any GAINS and avoid LOSS of principle • Receive investment GROWTH above the norm • Enjoy greater financial SECURITY and peace of mind • Support an independent, active LIFESTYLE ‣ And leave a legacy...
  10. 10. WARNING: This Could Be The Most Important Information You Will Ever Read About Taking Control Of Your Retirement Funds & Protecting Your Future
  11. 11. Make No Mistake: Your Investments, Your Future, and Your Family’s Future Are On The Line
  12. 12. If You LOST MONEY In The Last CRASH ... You May Not Have Time To Recover From Another!
  13. 13. It’s not your fault • If that describes you, you are not to blame • You weren’t born knowing how to protect and grow your money - to make it work FOR you as hard as you worked to earn it • You simply haven’t discovered and gained confidence in a proven money manager with a third-party verified program
  14. 14. What strategy will give you a fighting chance? • A method that works with today’s REALITIES • A program in place to PROTECT your funds and GROW your income
  15. 15. In My Experience, Unless You Use A Strategy Like This... You Don't Stand a Chance
  16. 16. And if you don’t? • Without a strategy like this in place, it’s going to be a ROCKY RIDE ‣ Here’s why...
  17. 17. For these 2 main reasons...
  18. 18. #1 Your Funds Are At Risk
  19. 19. #2 You Are Likely To Need More Income Than You Anticipate
  20. 20. First let’s discuss WHY your funds are at RISK...
  21. 21. History shows markets move in cycles 1897 1906 1924 1929 1954 1964 1983 2000 2012 ‣ Gray: Bull Market Cycle ‣ Purple: Bear Market Cycle Source: Guggenheim Investments - Graph uses data from Dow Jones Industrial Average from 1/1897 to 12/2012. Value of Down Jones Industrial Average 18 yrs 25 yrs 17 yrs
  22. 22. What goes up... must come down • The S&P 500: Up over 180% since hitting bottom in March 2009 • Almost 3 years have passed since the market experienced a 10% correction • A “healthy pullback” is likely “We think this rally is getting very long in the tooth and we wouldn’t be surprised if we have a healthy pullback in the coming weeks or months.” Source: Expect & Plan For A Major Stock Market Correction In the Coming Weeks/Months – Here’s Why & How, SeekingAlpha; Excerpts from a Parsimony Investment Research article: “Correction 2014: Are You Prepared?” June 6, 2014
  23. 23. Why is this so urgent? I’ll give you the biggest reason right now
  24. 24. The Fed’s money-printing “Deforms Wall Street” • The Federal Reserve is pursuing unsustainable policies never before seen in America ‣ Never, ever before has the government printed $3.5 trillion • So the questions is, what happens when the Fed stops the presses from printing all that money? Source: Porter Stansberry, “How The Fed’s Money-Printing Deforms Washington And Wall Street", July 1 2014; “The Stock Market is Going to Crash” December 2013, Stansberry & Associates Investment Research.
  25. 25. Bleak outlook with National Debt of 16 Trillion Donald Trump paints an ugly picture of where this country is headed: “The United States is no longer a rich country. When you’re not rich, you have to go out and borrow money. We’re borrowing from the Chinese and others. We’re up to $16 trillion in debt.” “Right now, frankly, the country isn’t doing well. Recession may be a nice word.” Source: Donald Trump commented during appearance on Fox News “On the Record with Greta Van Susteren”, July 31, 2014
  26. 26. Remember Warren Buffett’s “Law of Inevitable Wealth”: 1. Never lose money 2. Never forget rule #1 Bear Markets steal our wealth... 20 Year Results for S&P 500 (to 6/26/2014) When the next Bear Market hits, will you be prepared?
  27. 27. We Must Respond QUICKLY When The Market Changes Direction
  28. 28. What’s your Bear Market Strategy? • “Buy and Hold” is a method for a stable growth period • Unless you have a bear market strategy in place... ‣ A tough and costly ride is on your horizon • The only question is...
  29. 29. When?
  30. 30. Lets move on to the second reason WHY your money is at RISK... #2 You Are Likely To Need More Income Than You Anticipate
  31. 31. What’s your longevity plan? • Our generation of retirees are the best educated, healthiest, wealthiest, and longest-lived in history • Instead of a life expectancy of ... ‣ A miserable 22 years during the Roman Empire ‣ A mere 50 years at the turn of the 20th Century Source: “Life, Death and Entertainment in the Roman Empire” University of Michigan; CRS compilation from National Center for Health Statistics (NCHS), United States Life Tables, 2014
  32. 32. Will you outlive your funds? • With good nutrition, medicine, vaccinations, antibiotics, hygiene and civility... ‣ We can expect to live well into our 80’s Source: Center for Disease Control and Prevention, National Center for Health Statistics, Health, 2013
  33. 33. Live long... and prosper? • A person at age 65 is likely to enjoy about 19 more years ‣ Men: 83 years ‣ Women: 85 years • And if you live to age 75, you’re likely to surpass age 86! 76 83 86 81 85 89 At birth At age 65 At age 75 Males Females Source: Center for Disease Control and Prevention, National Center for Health Statistics, Health, 2013
  34. 34. 85+ age group growing fast! • 5.5 million Americans are age 85 years and older • The chances of one member of a couple living past 90 are better than 50/50: ‣ 1975: 38% ‣ 2010: 59% ‣ 2025: 64% projected Source: U.S. Census Bureau, Population Projections, 2012. Federal Interagency Forum on Aging - Related Statistics, Older Americans, Key indicators of well-being, 2012
  35. 35. Having Enough Money to Support 10 Years of Retirement Is Completely Different from Supporting 25 years or More
  36. 36. BEWARE: Longer Life Expectancy Requires Both PROTECTION & GROWTH of Investments
  37. 37. You Can’t Risk Loss of Principal Or No Growth
  38. 38. You Haven’t Enough Time ... Period.
  39. 39. Now you may be wondering how I discovered all this and...
  40. 40. How I came to sound this warning call... Hi, I’m Marvin Mills, President and Founder of Strategic Income Advisors Here’s how I learned to make my money work FOR me as hard as I worked to earn it…
  41. 41. My first experience investing in the market - One of my high school teachers, Mr. Glazier, would buy a brand new, beautiful Oldsmobile 88 every year…
  42. 42. Now, how’d he do that? I asked him, and he answered… “Sign up for my economics class and I’ll show you how.” In class, he taught us how to invest in stocks I distinctly recall investing 5 dollars and about 5 months later, I got back a whopping...
  43. 43. Five dollars + 65 cents!! I was hooked! I knew next to nothing about investing, but I promised myself that very day I would become an investor
  44. 44. Being mathematically minded I became an engineer – Excellent training to analyze and interpret numbers and measures Working as a design engineer on the Polaris missile project got me interested in… Stress Analysis -
  45. 45. Interesting thing about stress analysis - A good stress model indicates when CHANGE may be about to occur
  46. 46. The next turning point in my life can impact YOUR life as well:
  47. 47. In the investment world, everything is cyclical Fast-forward to 1966 when I had the funds to invest in the stock market I did very well for the next 3 years Back then, stocks were like boats in the rising tide – they all went up ‣ I began to believe I was an investment pro
  48. 48. Just in time... In the middle of 1967, I was blessed to meet Wolfe Schneider Wolfe had developed a mathematical method using a “Moving Average” to discern when stock market cycles were about to change –
  49. 49. Like a stress analysis run by an engineer... Wolfe’s moving average indicated when to GET OUT of a coming bear market to protect the profits made in the bull market Wolfe generously shared his method with me
  50. 50. Bull markets turn into bears... Based upon what Wolfe’s moving average was showing me at the close of 1968… ‣ I banked my investments in CASH Not long after, the market turned south and continued on that path into 1970
  51. 51. The BEAR market my analysis anticipated...
  52. 52. I sat in cash while those who stayed in the market gave back their bull market profits… and then some!
  53. 53. Suppose That Happened To YOUR Investments!
  54. 54. Now, I don’t want to mislead you... We don’t PREDICT, but RESPOND to the market ‣ It’s impossible to pick the EXACT high or the EXACT low What you CAN measure is the direction of movement The tools we use now are far more sophisticated than Wolfe’s moving average... but similar in purpose
  55. 55. Again, I was hooked. Based on my experience – Market Timing can protect your profits I decided I could be of greatest service by becoming a really good investor - And like Wolfe, share with others my knowledge of when to GET IN and GET OUT of the stock market
  56. 56. Extra! Extra! Read All About It... Engineer Becomes Income Strategist Based on these experiences, I got a securities license and worked part-time with a small firm called Unity Securities to develop my skills On January 1, 1973, I went-full time Things went extremely well and I retired 12 years later in 1985
  57. 57. Fast-forward to 2008 when my wife and I were serving a mission in Nauvoo, Illinois with about 64 other couples I witnessed the stock market crash, which left most of our fellow missionaries with savings essentially cut in half ‣ I saw grown men cry
  58. 58. I couldn’t let this happen again Based on my lifetime experience as an engineer, investor, and money manager… ‣ I evaluated many investment programs I found what I consider to be the BEST PROGRAM to aggressively protect retirement funds and formed Strategic Income Advisors to make it available to others in the same boat: at retirement age and… ‣ Needing both investment PROTECTION & GROWTH
  59. 59. Let’s not waste time - In the next few slides I will show you my 3-step strategy designed to PROTECT your investments, position you for maximum GROWTH …while you keep full CONTROL of your funds
  60. 60. My 10-Point Checklist Any investment program I choose must be able to PROVE the following: 1 Total Return Make money or lose very little in bear markets like in 2008 2 Return Minimum 12% per year average return over 3-year period that includes a bear market 3 Account Type Not pooled - must be a separate and private account in your name 4 Fees & Commissions No charges or penalties for getting in or out of the investment 5 Liquidity Immediate access, without time limitations on withdrawals 6 Performance Data Must be actual data - not calculated or inferred 7 Performance Results Must be audited and verified by an unbiased third party 8 Draw Downs (losses) Not to exceed 25% 9 Draw Down Recovery A few months at most 10 Minimum Investment No more than $50,000
  61. 61. First, let’s focus on Performance Results • In my personal checklist for choosing a proven investment program, let’s take a closer look at point #7 - • Have you heard of a company called Theta Research? • Theta offers money managers like myself the ability to document the actual track record based on actual trading information verified from third-party sources
  62. 62. I found a program that WINS more times than it loses - And when it wins, it wins BIGGER than it loses • Skeptical? • You have good reason to be - • And I’ll show you WHY its true, with actual, detailed, verified Theta Research Data, right here -
  63. 63. Win More Times & Win Bigger! Actual, verified data from Theta Research, LLC: Number of Months Measured 106 Total Trades 121 Winning Trades (losing trades = 44) 77 Average Trades Per Year 14 Average Winning Trades Per Year 9 Average Gain Per Winning Trade 13.06% Average Loss Per Losing Trade -7.68% Average % of Time 100% in MMKT (cash) 20.30% (Data current as of 6/27/2014) Note: A “winning trade” makes you money. Winning trades = 77 with an average return of over 13%. Losing trades = 44 with an average loss of less than 8%.
  64. 64. Performance from Day 1: Red Line is Strategic Income Advisors’ Proven Program Black Line is S&P 500 Note: The red line tracks NET performance results verified by Theta Research, LLC
  65. 65. Warren Buffett wants “Bear Market Profits” Here’s proof of what we achieved in the past…
  66. 66. Bear Market Profits – 2008 Red Line is Strategic Income Advisors’ Proven Program Black Line is S&P 500 Note: For the 7 months from 8/1/2008 through 2/28/2009 (highlighted), Our Program = 3.6% and S&P 500 = - 42.0%. The red line tracks NET performance results verified by Theta Research, LLC
  67. 67. “Above Average Results” As Theta verifies with actual results - over the past 9 years, our proven program has generated above average performance results: ‣ 23% per year while the S&P 500 gained only 5% per year As always, I must stay compliant and disclose: Red Line is Strategic Income Advisors’ Proven Program Black Line is S&P 500 “Past Performance Does Not Guarantee Future Results” Source: As verified by Theta Research, August 5, 2014
  68. 68. Will our program continue to work in the future? • We believe we will be successful in the future because our program was designed with redundancy and diversification in 3 ways: ‣ In the signal generation ‣ By using multiple platforms ‣ In the trading process • Which means, in brief…
  69. 69. Strategic Income Advisors Can Help You Avoid Unpleasant Surprises Now & Down The Road
  70. 70. Don’t predict - Instead, respond quick Our income strategy is to look for the cyclical stress points in the market These turning points show us when to move money into CASH or SHORT the market in response to proprietary market indicators
  71. 71. It’s not predictive; it’s based on identifying the turning points as they occur
  72. 72. It doesn’t seem right to keep something like this a secret “What I do, I do for my children and grandchildren. This is Gabi, one of my grandchildren.” ~ Marv
  73. 73. Will disaster strike like a thief in the night? • When we’re past our income earning days and we can expect to live a long life, we must... ‣ Expect the unexpected • Are you prepared for the BEAR MARKET that will likely come soon to wreak havoc? • Most will “never hear it coming” Sources: Crash of 2014: Like 1929, you’ll never hear it coming, Commentary: Disaster strikes like a thief in the night, a Mack truck accelerating, by Paul Farrell, MarketWatch, Feb. 24, 2014
  74. 74. That’s why I want to share my knowledge with as many people as possible ... before it’s too late
  75. 75. Which way will the market move today? UP? DOWN? SIDEWAYS? What’s YOUR Strategy? ‣ Bear Market or Bull… ‣ Here’s how to make your money work as hard for you as you did to earn it:
  76. 76. Introducing Strategic Income Advisors’ Aggressive Protection Program™
  77. 77. Protection first, growth second Strategic Income Advisors’ “Aggressive Protection Program™” has the goal to: ‣ PROTECT your investments ‣ Achieve above average GROWTH ‣ While YOU KEEP CONTROL of your funds...
  78. 78. It doesn’t predict - Instead, it responds quick Based on the principles of Market Timing, our Aggressive Protection Program™ looks for the cyclical stress points in the market DAILY - These turning points show us when to move funds to go: ‣ Long (expect market to go up) ‣ Into Cash (uncertain) ‣ Short (expect market to go down) LONG? CASH? SHORT?
  79. 79. Never until now? • When was the last time DAILY effort was directed toward positioning your assets? ‣ For both PROTECTION & GROWTH • Doesn’t your money deserve this kind of attention – ➡ Every Single Day? “With our Aggressive Protection Program™ we average 14 trades per year” Source: As verified by Theta Research, August 5, 2014
  80. 80. Is YOUR Money Being Actively Managed DAILY By Someone YOU Trust?
  81. 81. The Greatest Decision of the Rest of Your Life… WHO Will Make Your Money Work FOR You?
  82. 82. It’s time to choose a proven money manager - If you knew a proven money manager who averaged 23% per year for the last 9 years... Wouldn’t you be interested? “Using our Aggressive Protection Program™, we averaged 23% per year for the last 9 years.” Source: As verified by Theta Research, August 5, 2014
  83. 83. Ready to discover if this 3-step strategy designed to: ✓ PROTECT your investments ✓ Position you for maximum GROWTH ✓ Keep FULL CONTROL of your funds Is right for YOU?
  84. 84. Schedule your personal - “Strategic Income Advisory Session” • Discover now if we can help you to protect and grow your retirement funds - • While you retain full control and transparency of your investments... • With me, Marvin Mills and this Aggressive Protection Program™
  85. 85. It’s how I plan to... • Hold on to my GAINS and avoid LOSS of principle • Receive investment GROWTH above the norm • Enjoy greater financial SECURITY and peace of mind • Support an independent, active LIFESTYLE ‣ And leave a legacy
  86. 86. Your individual situation is unique to you We don’t know yet if we can help you, and the only way to find out is to schedule your - “Strategic Income Advisory Session” with me, Marv - ✓ At a convenient time for you ✓ Totally risk free with no obligation
  87. 87. Are you doing everything you can to protect and grow your hard earned money? • Find out now - Schedule your 30-minute “Strategic Income Advisory Session” with Marv - Your Personal Survival Guide To Money & Investing In The Stock Market During Retirement • To secure your appointment, email Marv at marvinmills@cox.net YOU
  88. 88. Disclosure Statements: Marvin Mills, President of Strategic Income Advisors, is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities or investments. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.
  89. 89. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS • Readers of the information contained on these performance reports, should be aware that any action taken by the viewer based on this information is taken at their own risk. This information does not address individual situations and should not be construed or viewed as any type of individual or group recommendation. Be sure to first consult with a qualified financial adviser, tax professional, and/or legal counsel before implementing any securities, investments, or investment strategies discussed. • Any performance shown for the relevant time periods is based upon composite results by Theta Research, LLC. Portfolio performance does not reflect any investor’s actual experience with owning, trading or managing an actual investment account. • Portfolio performance is shown net of the advisory fees of 2.5%, the highest fee charged by Strategic Income Advisors. Performance does reflects the deduction of other fees and expenses, including but not limited to brokerage fees, custodial fees and fees and expenses charged by mutual funds and other investment companies. Performance results shown include the reinvestment of dividends and interest on cash balances where applicable. The data used to calculate the portfolio performance was obtained from sources deemed reliable and then organized and presented by Strategic Income Advisors. • The performance calculations have been audited by Theta Research, LLC, an established third party. Actual performance of client portfolios may differ materially due to the timing related to additional client deposits or withdrawals and the actual deployment and investment of a client portfolio, the reinvestment of dividends, the length of time various positions are held, the client’s objectives and restrictions, and fees and expenses incurred by any specific individual portfolio. • Benchmarks: The performance results shown are compared to the performance of the S&P500. The index results do not reflect fees and expenses and you typically cannot invest in an index. • Return Comparison: The S&P 500 was chosen for comparison as it is generally well recognized as an indicator or representation of the stock market in general and includes a cross section of equity holdings.
  90. 90. It’s time to do everything you can to protect and grow your hard earned money - • Schedule your 30-minute “Strategic Income Advisory Session” with Marv - Your Personal Survival Guide To Money & Investing In The Stock Market During Retirement • To secure your appointment, email Marv at marvinmills@cox.net YOU

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