Greetings,

This Holiday, show your love and help someone to succeed at the same time.

I would like to wish you an extraordinarily happy and healthy holiday season!

This year, rather than heading out into the in-human Black Friday mob scene, you can do a great deal of your holiday gift-buying without leaving your computer!

For your friends, we present our highly acclaimed online Safe Wealth Creation Course, which will bring not only happiness on the holiday, but increased profits in the New Year!

This is a treat for Each of Your Friends and Family - for only $11 !!

CLICK the "Pot of Gold" or the link below for your Promo Coupon.

WATCH the short Video below for a Course Introduction.

Click Pot Of Gold For Promo Coupon

https://www.udemy.com/safe-wealth-creation-to-achieve-your-dreams/?couponCode=SafeWealthCreationPromoBL9

ACT QUICKLY AS THESE COUPONS WILL ONLY BE VALID FOR THE NEXT 10 DAYS!!!

Please leave me your comments and suggestions.

Happy Thanksgiving to Everyone!

Gail Nichols

CEO

SafeWealthCreation.com

gnichols@SafeWealthCreation.com

How To Have Income For Life - On Your Terms

Are you concerned about having enough money for retirement?

You're not alone.  

2 out of 3 pre-retirees acknowledge that Social Security and pensions will not cover basic living expenses.

Most Americans are concerned about:

1. Outliving their retirement savings
2. Remaining financially independent

Retirement.  Chances are it looks different to you now than it did 5 or even 10 years ago.  Stock market downturns, low interest rates and a significant recession have reshaped the way we now plan for the future.

Instead of chasing after 'unlimited upside', we've become more interested if there is 'downside protection'.  The goal of "How early can I retire" has now become "Will I have enough income to last me through retirement?"

Much of the responsibility for building a successful retirement plan now shifts to you.  With pension plans becoming less common, having predictable income for life has never been more important.

While the rules may have changed, the target remains the same - retiring on your own terms.  There are smart, straightforward solutions.  Now you can plan for retirement with confidence based upon your goals and outlook for the future.

Personalize your program by choosing how to grow your retirement dollars.  You can have fixed or indexed interest crediting strategies.  The fixed interest crediting strategy, as the name implies, has a fixed rate of interest that is declared by the financial institution and is guaranteed for each contract year.

There are multiple indexed interest crediting strategies available.  Each indexed strategy allows you to earn interest based in part on the upward movement of a stock market index - without exposing you to a downside market risk.*  

Strategy availability varies - please ask us which might work best for your situation.  Watch our short video overview about Safe Wealth Creation and get your FREE Introductory Course.

* The interest earned is subject to certain limitations such as an annual spread, a cap rate, and a participation rate, all of which are declared by the financial institution at the beginning of each Index Term Period.  The interest you earn will never be less than zero.  That means you participate in the upward movement of the stock market but are protected from the downs.

Achieving your retirement goals is as easy as...

Ready... Target your retirement goals

Aim... Grow your money and keep your retirement on target

Retire... Enjoy a predictable income you can't outlive

I'm here to help you achieve financial independence safely.  Please let me know your comments below - I'll be sure to reply to your questions!

Cheers!
Gail Nichols

CEO

Safe Wealth Creation- a division of Willow Consortium LLC

2 Steps Small Business Owners Can Take To Retire Early

Most of my clients are small business owner-operators who work 18 hour days, 6 or 7 days a week.  Some started their business right after leaving high school or college and some decided to go it alone after being downsized at a corporation.

Whatever their reason to begin their business, one of their top priorities is independence. They want to build their business and either eventually sell it and live on the proceeds or groom their children to carry it forward and generate an income. Full retirement is not always their primary goal but having more time for relaxation usually is.

When we meet, it’s usually because they want my help to become “financially independent” sooner than at retirement but they have only a vague idea what that means.  In a nutshell, being financially independent means having sufficient income to be able to choose to work, rather than have to work.  It means being able to choose when, how and where they’ll spend their money and time.

Maybe that means owning a home and boat and going fishing often or perhaps it’s traveling to distant locations by RV, plane or ship. What’s really important is for them to visualize and feel the wind in their hair, sun on their face and toes in the water – or whatever their dream retirement may be. (What do you imagine doing when you retire?)  Otherwise, their dream cannot become reality.  “Whatever the mind can conceive and believe, it can achieve.” (Napoleon Hill)

Once I better understand what they envision as being financially independent and when they want to achieve it, then I can help them find how to achieve their dream in baby steps (not usually in one grand swoop).

Here’s an example of how a local restaurant owner is closer to achieving his financial independence.  He’s in his early 50s, divorced and several of his family members work in his restaurant. He emigrated from his homeland to the U.S. 20 years ago for freedom to achieve his goals with hard work and honesty. He said he hopes to motivate his children to carry on the business after he retires.  Good current cash flow enables him to have a reasonably comfortable lifestyle today but he wants a steady income in his 70s, 80s, 90s and maybe 100s (longevity is in his genes).  And he wants to leave a legacy, not tax burdens or unfunded final expenses.

After learning more about his dreams and goals as well as his current financial situation, we put together a long-term savings Safe Wealth Creation plan that enables him to shave years off his working life and add them into his retirement life.  All while keeping Uncle Sam out of his pocket the entire process.

Step One was to identify how much income he would likely need during his desired retirement.  Then we looked at what he easily could save monthly now with the ability to add optional extra lump sums over the next few years – all with excellent tax-free compound growth averaging 6% to 8% and guaranteed no loss of his principal and interest. Plus, provide a flexible tax-free income for as long as he lives as well as an estate for his legacy.

Step Two was to create a similar plan for his likely successors in his business with him as the initial owner of the plan but be able to be transition to them with peace of mind.  This way, they could each achieve their retirement goals with a backup plan in case my client passed on earlier than expected.

We also worked with a local attorney to ensure proper estate planning with a last will, living will, living trust and power of attorney. That included meeting with my client’s designated executor and successor trustee, legal guardian, and medical power of attorney. In several instances, we helped each of them plan for their retirement as well.

After helping my client enroll in his chosen retirement plans and establish his estate plan, we celebrated his secure financial future with an excellent dinner at his restaurant with his family and friends.

Now, how can we help you achieve your retirement goals too? 

Visit our website at:  http://www.safewealthcreation.com

For your FREE consultation, please contact us at:  gnichols@safewealthcreation.com 
BONUS:  When we meet, we'll give you your Free copy of our Safe Wealth Creation Guidebook and a scratch card guaranteed to win either a car, $2500 cash, a Florida and Bahamas vacation or an iPad.