New Retirement Rules Class

Now Being Conducted at Western Michigan University in Grand Rapids……

“Are You Prepared for Retirement’s New Rules in the New Economy?”

Retirement planning rules have changed.

Register Now!

Whether you’re planning for retirement or are already retired – today’s retirement is not your Mom or Dad’s retirement.  I’m sure you’ve noticed that today’s economy feels different, even if you can’t put your finger on exactly what is different about it.  Today’s different economy requires different planning strategies for retirement.  If you plan for or during retirement the way your parents did, you may fail.  You may never be able to retire or you may run out of money during retirement.

Given the importance of your retirement goals and today’s difficult economy, don’t you think you should learn more?

A new educational course will be conducted in Grand Rapids focusing on helping retirees and pre-retirees plan for retirement in today’s economy.  In addition, this course focuses on helping attendees identify savings on taxes and other financial expenses on which many folks overpay without knowing it.  Topics covered in this course include:

  • Why retirement planning in today’s economy is different than any time in the last 80 years.  Current debt levels in the economy are 50% higher than at the onset of The Great Depression1.  Ignoring this fact and the potential consequences for your retirement could mean you never reach your retirement goals.
  • How the quantitative easing or printing of money by the Federal Reserve may affect your retirement.  This course will review four different times in history, over several centuries, when politicians decided to print money and show you how the outcome for your retirement may be completely predictable.  You’ll also discover how you may be able to not only survive, but prosper in the current environment.
  • How economies move in ‘cycles’ or ‘seasons’ and why today’s ‘economic winter season’ may be different than anything experienced by retirees in the last 80 years.  You’ll learn the characteristics of an ‘economic winter season’ and how financial markets have reacted during these winter seasons historically. 
  • How to incorporate two ‘winter economy’ tools that many brokers and advisors don’t know about into your retirement planning to potentially help you reach your retirement goals.  Using these tools2 you may be able to “build a floor” under your investments and protect yourself from market losses.
  • Why annuities are often oversold and when they may be appropriate.
  • Why traditional asset allocation strategies promoted by brokers may produce investment losses over the next 6-10 years and how to possibly protect yourself.  Given today’s low interest rate environment and tough economy, it’s possible that both stocks and bonds lose money in the near future setting many retirees and soon-to-be-retirees up for major investment losses.
  • Why many 401(k) investment options may not make sense in today’s fiscal climate and what you might consider doing about it.  You’ll learn why the three investment options most often offered in a 401(k) may not be enough.
  • Why 2013 may look a lot like the early 1930’s economically speaking and how to potentially protect yourself.  You may discover a similarity that will surprise you.
  • About the seldom-heard, historical relationship between stocks and gold.  Can this relationship be used to predict the future direction of the stock market and the value of your investments?
  • Why the balance sheet of many banks may be fiction due to a fairly recent change in accounting rules and how to check out the safety ratings of your bank.
  • Why you may want to consider a “Divorce Yourself from the IRS” strategy in your 401(k) or IRA.  If you believe future income tax rates will he higher than current income tax rates, this strategy could save you a significant amount of income taxes over your lifetime.
  • How to avoid the most common living trust funding mistake.  Many folks who establish a trust to avoid probate are inadvertently making this mistake, are you?
  • How to avoid 2 common power-of-attorney errors that may limit your ability to do Medicaid planning.
  • How to potentially protect the inheritance that you leave your heirs from a divorce or a creditor attack.
  • If a Roth IRA or Roth IRA conversion may make sense for you.  Should you convert some or all of your traditional IRA to a Roth IRA?
  • What The Permanent Portfolio is and if it may make sense for you.  This strategy, developed in the 1970’s may be especially applicable today for some investors.  It’s simple and cheap to use too.
  • If conditions are right to repeat the seldom-heard about currency failure in the United States in the late 1700’s.  Learning what happened then and how it compares to today my help you protect and preserve your assets.
  • To analyze if mutual funds make the most sense as an investment vehicle or if there are more efficient alternatives from a cost perspective.  Could you be overpaying on fees? 
  • If traditional long term nursing care insurance makes sense for you or if there is another way to protect your assets without paying expensive traditional long term care insurance premiums.
  • The 9 step financial plan that we believe will lead to financial freedom for many folks in today’s economy.
  • Whether you should pay down your mortgage or invest in a retirement account.
  • To analyze if you can insure yourself against running out money during retirement.  This can be possible for some retirees.
  • To examine if you should add two seldom-discussed asset classes to your portfolio.
  • Who the echo boomers are and why they might be important to your financial future and retirement.
  • How the massive US Government debt and operating deficit may affect your retirement and possible strategies to contemplate in order to protect yourself.
  • Social Security collection strategies and Social Security benefit tax reduction strategies.
  • The most common beneficiary mistakes and how to avoid them.
  • How to potentially utilize a stretch out IRA to allow your heirs to ‘adopt’ your IRA at your passing.

This educational course is a 3 night course beginning each night at 6:30 PM and concluding at 9:00 PM.  The dates for the course are  January 23rd, 30th, and February 6th.  The cost for the course is just $49 to cover books and handouts.  Seating is limited and course enrollments will be taken on a first-come, first served basis.

When you enroll in the course, you will receive a course workbook as well as handouts on each night of the course.  The course workbook is designed to be a valuable reference tool that will help you reach your retirement goals.  The information packed sessions are taught using easy-to-understand terms and interesting examples, in an enjoyable classroom setting.

The course content was developed by the host of the Everything Financial Radio Show heard locally on WOOD 1300 AM and 106.9 FM on Sunday mornings at 9:00 AM.   The program also airs locally on WTKG 1230 AM on Tuesday mornings at 9:00 AM.

This course is designed to provide education and a perspective that you may not find anywhere else.  From our experience, few brokers or advisors provide advice from a macroeconomic perspective which we believe is essential in today’s economy.

To register for the course, you can visit  You will be asked to enter your contact information and one of our staff will call you to confirm your reservation and arrange to collect your tuition of $49 by check or credit card.  Your spouse or other guest may attend with you at no additional charge.

MONEY BACK GUARANTEE! You can attend the first night of the course and if, for any reason, you are not completely satisfied, you can return your course materials and receive a full refund with no questions asked.

If you are among the first 10 to register for the course, you will also receive a copy of the just released book “Finding Financial Freedom” authored by the host of the “Everything Financial Radio Show”.

This educational course does not:

  • Contain a sales presentation for a product
  • Require any further obligation; it is purely educational

We look forward to educating you about today’s economy and your retirement.

The PLP Advisors Team

Register Now to Signup for the Class!

The cost for this course is $49 total to cover books and handouts. The course will be held at Western Michigan University on  January 23rd, 30th, and February 6th. To register, complete the form below  in its entirety or contact our office at 800.553.7526 between the hours of 8:00am – 5:00pm Monday through Friday and one of our staff will be back in touch to get you course details and determine your preferred payment method.

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P.S.  If you are a licensed financial professional, you are welcome to attend; however, nonrefundable tuition for the course is $750.

1Source:  Credit Suisse, Department of Commerce, Federal Reserve  2Tools are a combination of highly rated corporate bonds and call options

Advisory Services offered through PLP Advisors, LLC.  PLP Advisors LLC and Personal Legacy Planners are affiliated companies.  PLP Advisors LLC, 961 Four Mile Road NW, Grand Rapids, MI 49544

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