The Denver Post : 2019-02-11

NEWS : 10 : 10A

NEWS

10A» 6 B B MONDAY, FEBRUARY 11, 2019 DENVERPOST.COM THE DENVER POST Advertisement - EDUCATIONAL ADVERTISEMENT - COLORADO RESIDENTS Has your home increased in value over the years? A new option may help you enjoy a better retirement. Have You Been Lied To? Lied to By Washington and Wall Street? If You Are 40-75 Years Old With an IRA or 401(k) This Free Book is For You Keep reading if you own a home in the U.S and were born before 1957. Do you have another 5-10 years to waste, waiting to recover after the next crash? By Brett Kitchen, In this book you will discover: Best Selling Author I want to give you a free copy of my new book Wealth Beyond Wall Street. Why? Because according to Time Magazine, Wall Street’s retirement plans and 401(k)s have failed millions of Americans. After losing over 35% of my money in the crash years ago I said ENOUGH! I decided to find a better way. I contacted some of the wealthiest investors and business mentors I knew from running my own business. I flew across the country to interview them. I wanted to discover what the ultrawealthy were doing to protect and grow their wealth. What I found was exciting and amazing. I discovered strategies to grow money potentially double digits when the market goes up, that could reduce taxes dramatically at retirement and still protect my money when the stock market crashes. • Two little known strategies to LOCK IN YOUR GAINS from the past bull market without losing out when the market goes up. • How to get retirement cash flow in the ZERO Percent tax bracket. (Page 96) • Double Arbitrage: How to earn interest on the same money TWICE at the same time. (Pages 87, 104) • How to turn your retirement savings into a guaranteed income for life. (Page 105) • The SINGLE BIGGEST benefit left in the tax code (IRC Sec. 26-101a) …and how to take advantage of it. (Page 124) • How your 401(k) has become the politicians Trillion Dollar tax target…and how you can protect yourself. • The lesson I learned when my friend sold his company for $500 million…this can be used by anyone who wants lower taxes. (Page 13) • The 5 unique Wealth Beyond Wall Street strategies… (Page 95) • For High Earners: How to get tax deferred growth and tax free cash flow like a Roth IRA… without limiting your contributions like IRAs. Today, jumbo reverse It’s a well-known fact that for many senior citizens in the mortgage loans have proven We’ve been hearing for years that the next crash was right around the corner… But on the other hand, what if the crash doesn’t come? What if you take your money and stuff it in a mattress, only to see the market going up double digits for the next 5 years? You’d be frustrated that you missed out on that growth. The truth is, no one can read the future, despite what all the pundits tell you. They simply don’t know what’s going to happen. That leaves the typical investor in what feels like a no win situation: You could lose out on growth if you pull your money out of the market, you could lose your savings if you leave it in. U.S. their home is their single to be an effective way for biggest asset, often accounting homeowners 62 and older to for more than 50% of their get the extra cash they need to total net worth. For many, this enjoy retirement. investment has substantially While some wait until they improved due to years of need cash, a jumbo reverse appreciation. mortgage loan with AAG is Yet, according to new best applied as a vital planning statistics from the mortgage tool that can help you live out industry, senior homeowners your golden years in comfort in the U.S. are now sitting on and security. By planning more than 6.9 trillion dollars ahead, you can also know that of unused home equity. With a safety net is there waiting for people now living longer than you if you need it. ever before and home prices AAG is honored to be the back up again, ignoring this No. 1 Reverse Mortgage lender “hidden wealth” may prove to in the nation. We have been be short sighted. named a 2017 finalist in the American Advisors Group 500+ Employee Category for (AAG) has recently introduced the Better Business Bureau’s a new Jumbo Reverse (BBB) Torch Awards for Ethics. Mortgage loan that allows We take pride in our ability to So What Are You To Do In These Volatile Times? homeowners with high-value make the reverse mortgage homes to borrow as much as $4 experience informative and What if you could grow your money during good years when the market goes up, yet STILL be protected from losses during bad years… without having to predict the future. This could give you the best of both worlds. That’s what makes this best selling book Wealth Beyond Wall Street so million of their home equity. efficient for our customers. In Unlike a standard reverse fact, recent customers have mortgage, AAG’s Jumbo given us a 97% satisfaction When the next market crash hits I lose nothing. Reverse Mortgage loan has rating! We are also one of only much higher loan limits, which a few lenders to offer these I also discovered how to create retirement cash flow in the ZERO percent tax bracket. That means it’s essentially tax-free cash flow when you retire. gives those homeowners who jumbo reverse mortgage loans. qualify access to even more The cash from a jumbo cash—for many, that means a reverse loan can be used for better retirement. And it’s NOT rental real estate, fix-n-flip properties, gold coins, or another ‘financial plan.’ almost any purpose. Many exciting. However, today, there people use the money to save are still millions of eligible on interest charges by paying “Your book really opened my eyes. After implementing what I learned, I just feel so safe. I love knowing that my money is growing and it’s going to be there for me and my family for the rest of my life. I don’t need to gamble anymore, because I know I’m going to have enough cash flow for the rest of my life.” homeowners who may simply off credit cards or other highinterest In fact, the strategies in Wealth Beyond Wall Street may surprise you. Many people say “Why haven’t I heard of this before?” after reading this book. Call now to get your copy and talk with a specialist to discover the little known strategies people like Walt Disney and JC Penney used to grow their wealth. Now you can lock in your gains, get potential double-digit growth during good years and never lose when the next stock market crash hits. Plus, when you call RIGHT NOW and reference this ad I’ll include a FREE BONUS AUDIO BOOK to make it easy to listen to the book wherever you go, a $19 Value. not be aware of this “retirement loans. Other common secret. ”Some homeowners uses include making home think these loans sound “too improvements, paying off good to be true.” while others medical bills or helping other don’t know how a reverse family members. Some people Dr. Mike Zufelt mortgage works or understand simply need the extra cash for Emergency Room Physician the process of extracting equity everyday expenses while others from their home. You get the are now using it as a “safety I want to give you a FREE copy of my book Wealth Beyond Wall Street It reveals multiple strategies that allow you to capture the growth of the S&P 500 index when the market goes up, even potentially double digits, and yet be protected when the market crashes. cash you need out of your home net” for financial emergencies but you have no more monthly If you’re a homeowner age 62 mortgage payments. In this book, I share the strategies YOU can use to grow and protect your wealth from crashes and taxes. The timing of this book is CRITICAL because of the huge $247 TRILLION dollar global debt bubble staring us in the face. (Source: Washington Post) If a trade war, or a real war, slows the world economy; businesses and consumers won’t be able to afford their debt. This could create a credit collapse worse than the real estate crash of 2008 or the dot com crash of 2001. This wouldn’t just affect America, it would affect the entire world. This Is Potentially The Most Explosive Bubble In History. Last time the market crashed 38% and it took over 5 years just to recover those losses. You may have recovered your losses… but you lost 5 years of compounding you’ll never get back. We can all make more money, but no one can make more time. So… or older, you owe it to yourself It’s a fact: “no monthly to learn more so that you can mortgage payments” are make an informed decision. required with a reverse Homeowners who are Does that sound too good to be true? jumbo mortgage; however, interested in learning more homeowners are still can request a free 2018 I explain exactly what these strategies are, how they work, and how you can benefit, in my book Wealth Beyond Wall Street. You can get a FREE COPY by calling today. (No credit card required). responsible for paying for the Jumbo Reverse Mortgage maintenance of their home, Information Kit and free property taxes, homeowner’s Educational DVD by calling insurance and, if required, their American Advisors Group HOA fees. toll-free at 866-964-1093. Call now, you will not see this offer tomorrow. Source:https://www.mpamag.com/market-update/senior-home-equity-has-grown-to-6-9-trillion-112295.aspx. A reverse mortgage increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). When the loan is due and payable, some or all of the equity in the property no longer belongs to borrowers, who may need to sell the home or otherwise repay the loan with interest from other proceeds. AAG charges an origination fee, closing costs and servicing fees (added to the balance of the loan). The balance of the loan grows over time and AAG charges interest on the balance. Not all interest on a reverse mortgage loan is tax-deductible and to the extent that it is, such deduction is not available until the loan is partially or fully repaid. Consult your tax advisor. Borrowers are responsible for paying property taxes, homeowner’s insurance, maintenance, and related taxes (which may be substantial). We do not establish an escrow account Shipped USPS First Class for disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must occupy home as their primary residence and pay for ongoing maintenance; otherwise the loan becomes due and If you are approaching retirement or already retired CALL 1-866-377-7783 NOW for your FREE Hard Copy Book. payable. The loan also becomes due and payable (and the property may be subject to a tax lien, other encumbrance, or foreclosure) when the last borrower dies, sells the home, permanently moves out, defaults on taxes, insurance payments, or maintenance, or does not otherwise comply with the loan terms. V2018. 09.19_OR NMLS# 9392 (www.nmlsconsumeraccess.org). American Advisors Group (AAG) is headquartered at 3800 W. Chapman Ave., 3rd & 7th Floors, Orange CA, 92868. (Regulated by the Division of Real Estate; No Credit Card Required. We cover shipping and handling. to check the license status of your mortgage loan originator, visit http:// www.dora.state.co.us/real-estate/index.htm)

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