• Ani Financial Group
    (336) 462-8819

Will this happen to you?

The Greatest Retirement Crisis in
American History

"We are on the precipice of the greatest retirement crisis in the history of the world. We are witnessing millions of elderly Americans, the Baby Boomers and others slipping into poverty. Too frail to work, too broke to retire will be the 'new normal' for many elderly Americans."

The 401(k) Fallout

"The 401(k) plans that have become the primary source of retirement income for 60 million Americans were never designed to be retirement plans."


Why It's Time to Retire the 401(k)

"The ugly truth, is that the 401(k) is a LOUSY PRODUCT, a FINANCIAL FLOP, a ROTTEN REPOSITORY for our retirement reserves. In what must seem like a cruel joke to many, the accounts proved the most dangerous for those closest to retirement."


If the old way is not working, isn't it insane to KEEP DOING IT?

Problem #1: Risk

Our report shows how to participate in market gains but not participate in
market losses. Here's an example of some of the tools we use:

The Rule of 72

Simply take the number of 72 and divide it by the expected rate of return to determine the number of years it takes money to double in value.

How does this relate to Risk?

Just as interest is compounded over time, so are losses. See how a 5% loss in year 2 reduces the projected principal by 11.4% after 10 years.


Actual vs Average

We can all look to see what AVERAGE rate of return we've had over a period of time. But do you understand how this differs from ACTUAL rate of return?

These numbers can be drastically different and can effect your portfolio balance significantly.


Zero is Hero

Can you afford to ride this roller coaster?


$100,000 hypothetically invested in an indexed account in 1999 outperformed the S&P 500 index through 2014.


Problem #2: Fees

Our report shows how few of us know exactly what we
pay in fees and commissions.

Did You Know?

In an up and down market, fees can consume the majority of your portfolio leaving your retirement in shambles.

Even the department of labor weighs in on the subject. On their website, they warn investors that a 1% difference in investment fees can mean 28% less money at retirement.


"It's a crime that they are extracting somewhere around 3.5% to 4.8%, which is the lion's share of what the market returns on investments," says John Sullivan, a registered investment advisor. "Workers end up giving away half of their retirement savings."

-USA TODAY -8.25.09 Christine Dugas

Fees Kill Performance Over Time

See how $10,000 invested in 1970 with fees of just 1.5% results in a 24% account reduction in 20 years (1989) and a 45% account reduction over 44 years (2013).

View Example

"Rule #1: Never lose money.

Rule #2: Never forget rule #1."


- Warren Buffett

Problem #3: Taxes

Our report will show one of our retirement savings strategies that allows you to minimize taxes
as you accumulate AND access your savings. It allows you to access your savings before you
retire. It also allows you to bequeath your savings TAX FREE.

Four Phases of Retirement Planning

  WSA Retirement Strategy
Contribution Taxed
Accumulation Tax Deferred
Withdrawal Tax Deferred
Transfer Tax Deferred

Since most believe future tax rates will be higher, does it make sense to defer taxes today, only to pay a higher rate in the future?

Would you rather pay taxes on seed or harvest?

The Deferral Trap

Since most believe future tax rates will be higher, does it make sense to defer taxes today, only to pay a higher rate in the future?

There is such a thing as TOO MUCH tax deferral. Deferred taxes simply mean INCREASED taxes!!


"As best I can judge, when the Baby Boom (generation) retires, WE ARE GOING TO HAVE TO EITHER RAISE TAXES VERY SHARPLY OR CUT BENEFITS IN HALF. No politician wants to confront this. And this is a very sad event BECAUSE WHAT'S AT STAKE HERE IS THE FISCAL STABILITY OF THE AMERICAN GOVERNMENT."

- Alan Greenspan