The Beltway Bandits!

Obama's final cash-grab could ruin you View this email in your web browser.

Your retirement is being ravaged by

The Beltway Bandits! Between November 9th and December 19th... an orgy of last-minute regulations and lightning-fast law changes will GUT your retirement... PERMANENTLY! These attacks on your wealth will happen quickly... and without warning... so it’s essential that you prepare now! This special report reveals the simple, highly-effective moves you must take immediately to keep the Beltway Bandits from robbing blind your hard-earned retirement savings. Fellow Investor, November 9th, 2016 marks the beginning of the most treacherous period for you... and your retirement. I call it the Retirement Danger Zone, because after that date, the "Beltway Bandits" – The President, Congress, and IRS – begin a legislative lightning round... Cramming as many last-minute regulations – and major changes to tax laws – as they can before they leave for the holidays on December 19th. Overnight, with one stroke of a pen, your retirement could be devastated. As you'll see in a moment, it's happened before... and it's about to happen again. These changes can come very fast, there are no committee hearings and no debates of any kind. If you think you're safe from this year-end blitzkrieg, because you have an IRA or a 401k... Or the Feds can't touch you, because you're already retired... Think again. Because the US Government can change the rules at any time – quickly and without warning. And many of these lightning-fast changes of the Danger Zone are designed to rob your retirement blind... as quickly as possible The Beltway Bandits have been siphoning money out of your pockets for years -- and now, with the Danger Zone looming, it's only going to get worse. Beltway Bandit #1: President Obama Obama's been gunning for major changes to your retirement since first taking office – and now he's got nothing to lose... His new "fiduciary rules" limit what IRA and financial advisors can say to IRA owners, so they have to pass hurdles before making specific recommendations. Some will stop giving advice on IRA rollovers, but the bottom line is that millions of younger, and less affluent, investors will be essentially cut-off from professional advice, while most people will only hear about a few IRA investment options. Obama's MyRA plan is a cash-grab of the worst kind – taking the retirement savings of millions of Americans and forcing them into US Treasury bonds. With inflation, you might as well flush your money down the toilet. And before he leaves office, he's looking to use the Danger Zone to ram through as many new regulations affecting your retirement wealth as he can... "Reforms" he's been trying to push through for years in his budget proposals. And he could very well get his way this year... Because we're speeding full-steam-ahead into the riskiest Danger Zone of all... The Lame-Duck Danger Zone – The six weeks after a presidential election. The closing months of an outgoing president's final term sees rule changes coming fast and furious. Because of a loophole in US law, Obama's allowed to shove last-minute regulations affecting your retirement permanently into the Code of Federal Regulations. And when he does, these new regulations will have the same force as law... And he'll be able to do it without the approval of Congress. You must prepare yourself now to protect your retirement against Obama's assault on your wealth. Here's why: There is a long tradition of Presidents using this loophole to solidify a legacy... And many of these changes are rammed through simply to cause problems for the incoming President. Jimmy Carter used the Lame-Duck Danger Zone to create an unprecedented number of regulations... adding nearly 25,000 pages of new rules to the Federal Register to hinder Ronald Reagan's new administration. George H.W. Bush, despite his initial promise of a "regulatory moratorium", pushed through a host of his changes just before Clinton claimed the Oval Office... including significant changes to highway safety rules. Clinton pushed through a flurry of major rules and regulations in the last months before George W. Bush was sworn in... adding over 26 pages of rules and regulations to the Register. And George W. Bush pushed through a raft of regulations before Obama took over... including severe changes to environmental, energy and work-place regulations. Now, it's Obama's turn... and he's gunning for your retirement. Obama has over 4,000 new regulation and rule changes on the agenda for his last few months in office... And the most aggressive of these changes could have a devastating impact on how you save and how well you live after you retire. Obama and his minions in the IRS have spent years pushing no less than 15 major changes to your retirement planning, including... Eliminating tax deductions for certain contributions to your retirement plan Establishing a cap on your savings to prohibit additional contributions Getting rid of the rules that affect retirement savings passed on to loved ones Strictly limiting your ability to use specific Roth IRA strategies Mandating required minimum distributions (RMD) in certain IRA accounts And that's just a few of the 15 changes Obama has had his eye on in the past. Now, with his administration coming to an end, he's got a "legacy" to build... and nothing left to lose. I expect there's an army of administration lawyers locked in the White House basement at this very moment, rushing to find every way possible to jam as many of Obama's changes into law as possible... Even if he only gets a handful of his proposed changes into the Federal Register... Your retirement could be affected for years to come. Millions of Americans could see these lightning-fast rule changes cripple their hopes and dreams for a safe, secure retirement. Fortunately, there is a way to protect yourself – and even profit – from these coming changes. I'll show you how in a moment. First, let me tell you about the second threat in this Retirement Danger Zone... Beltway Bandit #2: The US Congress Don't make the mistake thinking that Congress will stop Obama's plans... Because just last year, in 2015 – during that Danger Zone – Congress crammed through one of Obama's most sought-after rule changes... affecting the lives of millions of retired folks... Hidden deep inside Congress' Bipartisan Budget Act of 2015, in Section 831, was a little-known change to Social Security... severely limiting how individuals and couples could claim their benefits. Obama had been pushing for these changes for years, and was able to use the year end budget battle to make sure they got passed. That one section of law cost millions of American families tens of thousands of dollars at a time when they needed it most. According to Larry Kotlikoff, professor at Boston University, the new Social Security rule "...drastically cuts Social Security benefits for many of those now collecting, drastically cuts benefits for many of those who were about to collect... at the cost of permanently lower benefits." Congress said it was closing "unintended loopholes". I call it what it is: Another government cash-grab. The speed at which these changes happen is amazing. If you had known what the Bandits were planning for your Social Security, you might have been able to do something to protect yourself. But there was literally no time to prepare. There were no committee hearings... and no debate of any kind. It happened virtually overnight. And it left millions of hard-working Americans – who played by the rules and paid into Social Security for decades – out in the cold. And now, Congress is facing another prolonged fight over the budget... You should expect, and plan for, more changes to be forced into any new deal. Now, let's not forget about the worst offender to your retirement security... Beltway Bandit #3: The Internal Revenue Service The enforcers of the Government's cash grabs. Congress may control the purse-strings... But it's the IRS who are responsible for shaking you down for every last penny. Unfortunately for retirees, the IRS is paying extra close attention to your retirement account... casting an ever-expanding dragnet in the hopes of draining as much money as possible from your retirement. See, a couple of years ago, Obama and the IRS woke up and realized there were millions of dollars in untapped taxes hiding in folks' IRA accounts. To protect yourself, you need to be asking these questions about every action in your account, because the IRS is watching it all: Are you taking the required minimum distribution from your IRA? If not, you could be paying a 50% penalty. Are you contributing and deducting too much? If you are, you could be audited... and fined. Are you using the right investments in your IRA? You better, because the IRS has a whole host of rules governing how you invest. If you don't toe the line, your entire retirement plans could be disqualified, and they'll tax ALL of your retirement savings as regular income. Are you using your Roth IRA correctly? Certain strategies push beyond accepted rules, and when that happens, the IRS comes down on you like the wrath of God. In a moment, I'll show you exactly how you can protect yourself from the ravages of this blitzkrieg... Including how to neutralize the three biggest threats to your retirement right now. First, allow me to introduce myself. My name is Robert Carlson... Bob to my friends. I've dedicated my entire professional life to helping people just like you protect their retirement from the over-reaching greed of the US Government. It may sound funny to say, but retirement planning is my passion. I enjoy studying the facts and changes to the rules, and I love teaching others the strategies I've come up with. I like examining every aspect of the entire retirement finance picture. I'm more than just some guy claiming to be a retirement "expert". Retirement planning has been my whole life. I was trained as an accountant and an attorney. I passed the CPA exam at the end of college at Clemson University... And then I went straight on to the University of Virginia School of Law. After 25 years of research into taxes and retirement planning... I know what I'm talking about. I was appointed to the Board of Trustees of the Fairfax County Employees' Retirement System in 1992, and the board made me chairman in 1995 to oversee over $3 billion in assets. From 2000 to 2005, I also served on the Virginia Retirement System Board of Trustees... overseeing $42 billion in assets. These opportunities gave me access to in-depth information that is simply not available to others who might advise you about retirement. I'm reaching out to you today, because... You don't have to sit on your hands as government forces plot, trick, and regulate your retirement away. My experience has taught me that you can fight... and win. I've dedicated my career to helping hard-working Americans stand up to these Beltway Bandits... With simple strategies and little-known, "insider" tactics you won't find anywhere else. My unique experience has given me an in-depth understanding of the entire retirement process. Not just one particular aspect, but everything that could affect your retirement: Investments Social Security IRAs Pension plans Annuities Estate planning Medical coverage Income taxes And much more I've developed some unique ideas that will help you protect your wealth – and prosper – no matter what the government throws at you. I've helped tens of thousands of investors build lifetime financial security in the face of ever-increasing government cash-grabs. And in this presentation, I'll share with you the best ways I've discovered to stand up to the Beltway Bandits. Including how to beat two of the biggest, most over-looked threats to your retirement savings right now... These simple, easy to follow approaches can help keep more of your money out of the hands of the government, safely and legally... And – at the same time – build real financial security. The Danger Zone is quickly approaching, so I hope you'll pay attention to everything I have to say. I've been monitoring the threats to retirement income for more than 25 years... And I've never seen a situation as dangerous as today's. I know this sounds dire... because it is. However, you can protect yourself from the Beltway Bandits and the ravages of the Danger Zone... But you must take action now. To help you prepare as quickly as possible for the coming assaults on your retirement... I've put together a complete, systematic package to help you protect and grow your retirement savings... Everything you need to know – and the specific action-steps you need to take – to ensure you have the kind of retirement you've always dreamed of having. Every part of this package is designed to help you make the moves you need to make right now to keep the government tax-wolves away from your door. Think of it as your own "personal toolbox" of strategies to help you create the retirement you deserve. I've pulled out all the stops. Everything I've learned over the past quarter century – in one overarching, far-reaching plan. And I'd like to share this with you now. I call it, The Ultimate Retirement Protection Plan. I've been privileged to help tens of thousands of folks just like you protect your wealth from government schemes that separate you from your money. From that experience, I've developed specific tactics, ideas, and strategies you simply won't find anywhere else. Each one is designed to help you keep more of the money you've worked so hard for. So, let's get started. There Are 3 Things You Want Your Retirement Savings To Do For You: You need to keep your principal secure: You've worked hard for your money and you do not want to see it flying out the window. You want steady, reliable income: Enough to meet your lifetime goals. Steady, secure income means financial independence. You need to protect your nest-egg from the ravages of inflation: Even a modest 3% inflation rate means everything you buy will cost 30% more in just over a decade. This is easier said than done... Especially now. To successfully plan for your retirement, there's one thing you need to understand. Retirement today is a battle against powerful forces, intent on taking as much of your savings as possible. But with The Ultimate Retirement Protection Plan... You'll have a complete arsenal for fighting – and winning – this battle. You can be financially secure in retirement, free of the worries that will plague many others in the coming years. However, to fight and win against the forces marshaled against you... You can't rely on actions that worked in the past. Following tired "rules of thumb" and traditional cookie cutter approaches is the road to disaster. That's why the first, and timeliest, part of The Ultimate Retirement Protection Plan is this Special Report that helps you successfully address the two hidden threats to your retirement wealth... Ultimate Retirement Protection Plan – Report #1: The New Rules of Retirement The New Rules of Retirement serves as the cornerstone of your Ultimate Retirement Protection Plan... Because it quickly and simply helps you solve the two biggest, most over-looked threats to your retirement in the 21st Century. Retirement Threat #1: The Time Bomb in Your IRA It starts ticking the minute you retire. The Beltway Bandits are counting on extracting as many taxes as possible from your retirement... The President, Congress and IRS are counting on the money they can suck out of your retirement account to help finance their massive spending plans. One simple mistake in managing your IRA... and you could be facing lost opportunities, punishing taxes, draconian penalties, and a devastated future. I've heard too many stories of people forced to pay much higher taxes than they need to on their IRA balances. That's why the cornerstone of The Ultimate Retirement Protection Plan is my Special Report, The New Rules of Retirement. In this comprehensive, 56-page report, you'll discover: How shrewd management can keep you in the 20% tax bracket (or lower) for life When it makes sense to convert to a Roth IRA Actions you can take to maximize the after-tax value of your IRAs How to simplify your IRA management, if you take these steps now Did you know there's a secret mortgage on your IRA? The government does... and here's what you can do about it Why your IRA or 401(k) isn't as valuable as most people think How most savers lose the tax advantages of long-term capital gains earned in their accounts... and how you can avoid this pitfall. I've studied and researched in great detail every strategy to help you keep more of your IRA... and stretch your money so it lasts longer. A few simple, but often overlooked, steps can ensure your nest egg churns out retirement cash for years to come. I've also learned the pitfalls in the tax code that can suck value out of your account. Most of the old rules of thumb for retirement savings are out of date... and pose downright dangers to you today. That's why I've made The New Rules of Retirement the cornerstone of your Ultimate Retirement Protection Plan. In this report, I'll share with you the most effective ways to maximize your distributions... While minimizing your tax burdens. For instance... Which investments should you hold in your IRA... and which should be held in taxable accounts? Here's a hint – it's not the same for every investor You should draw down these accounts first... if you don't, it could be a problem later The one investment you should always sell first when you start tapping your nest egg. Not doing so could make a huge difference down the road Here's the best investment to sell for the lowest possible tax bill – and it may not be what you think Three little-known ways to trade stocks in your account to outfox the tax man The one and only time it makes sense to hold stocks in an IRA instead of a taxable account The retirement account you should almost always tap last. This common mistake could put your long-term retirement security at risk. As you'll see in your free Special Report, a few smart asset allocation decisions now could save you thousands of dollars in needless taxes... And thousands of dollars extra for you and your loved ones to enjoy. A minute's hesitation in planning today could cost you thousands of dollars in your retirement. The Danger Zone is bearing down on us at this very moment... That's why I must get your copy of The New Rules of Retirement into your hands as quickly as possible. When you receive this Special Report, you'll discover the solution for... Retirement Threat #2: Threats to Lifetime Income Security Retirement in America is riskier than ever As I've shown you in this presentation, there is a war being waged on you and your retirement... By powerful forces and dangerous trends that threaten the financial security of nearly everyone planning for retirement. This special section of The New Rules of Retirement reveals many of the newest and biggest threats to a lifetime of income security. You'll find: Solvency problems for Social Security and Medicare can affect your future... and how to prepare for it now Being retired means many things to many different people, but this is the one thing ALL retirees can expect to happen... and it could prove extremely costly to everyone... unless you do this now Will your retirement last longer than your money? I'll show you how to prepare, so your money will last as long as you need it to Are you getting the wrong investment advice? You could be, without even knowing it... and your money could run out much sooner than you think. Here's how to tell the advice you're getting is right for you Retirement costs more than most people think – and this old "rule of thumb" could leave you broke and destitute before you know it You'll find all of this... and much more... in your free report, The New Rules of Retirement. If this report was available for sale, I could easily charge $129 for it... And it would be a bargain at that price. Except, it's not for sale. It's only available to you, now, FREE as part of your Ultimate Retirement Protection Plan. I want to get this important information into your hands as soon as possible. The Beltway Bandits can change the rules at any time, quickly and without warning... And the Danger Zone is bearing down on us like Hurricane Katrina... If you're to have any hope of surviving the coming assault on you and your wealth, you need to act now. Get this report. Read it. Put the plans into action. It may be the only real chance you have of saving your retirement. Retirement is no longer "set-it-and-forget-it", because the world keeps changing. There are so many difficulties facing retirees these days, and law changes are happening too fast to keep up with... That's why I'm giving you this second Special Report as part of your Ultimate Retirement Protection Plan: Ultimate Retirement Protection Plan – Report #2: Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid The right ways to use your home in retirement If you're like many retirees, your home is your most valuable asset. However, if you don't know the right ways to handle this all-important asset... taxes and penalties could leave you out in the cold. That's why I want you to have Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid as part of your Ultimate Retirement Protection Plan. If you're looking to your home as a big part of your retirement wealth, you must read this now. Because, in this report, I'll give you the details on the five best options you have for extracting equity from your home. Even better, I'll show you the simple steps you can take to make any gains from the sale of your home virtually tax free. We'll take a look at how changes to the tax code could affect you and your home. We'll also discuss the right way to use reverse mortgages, and how to determine if it's the right vehicle for you. Plus, I'll show you strategies for beating higher property taxes... the proper use of installment sales to defer taxes... and much more. A $79 value, this all-important information is yours FREE as part of The Ultimate Retirement Protection Plan. I just showed you the first two special reports I have for you as part of The Ultimate Retirement Protection Plan: The New Rules of Retirement is the first – and perhaps most important – and Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid. Both should prove invaluable to you over the years. I could easily charge over $200 for both of these Special Reports... But I'm not, because it's only available to you now, as part of The Ultimate Retirement Protection Plan. That's not the all the information I have for you. I've got another valuable Report for you, and a Special Bonus you can't find anywhere else. It's not just the Beltway Bandits you need to worry about. I've been advising people on retirement for 25 years now... And one of the most troubling problems facing retirees is one they almost never see coming. Let me ask you... Do you know how to properly structure your retirement plan so you can successfully pass it on to your heirs? It can be tricky. If you don't make the right moves now, it could end up costing your family dearly after you're gone. To make it easier for you to pass your retirement savings onto loved ones, The Ultimate Retirement Protection Plan includes another Special Report... Ultimate Retirement Protection Plan – Report #3: Your 20-Minute Estate Plan: Building a Lasting Legacy Estate planning is about a lot more than taxes. Estate planning is seeing your hard-earned wealth going to those you want to have it in the most efficient way possible. Effective estate planning reduces family conflicts, and cuts down on wasting money in high expenses, delays, probate, mismanagement, creditor claims, and more. That's why I want to give you Your 20-Minute Estate Plan: Building a Lasting Legacy as part of your Ultimate Retirement Protection Plan. This easy-to-understand report strips away any confusion you may have about estate planning, so you can build an effective plan quickly and efficiently. A $79 value – this report is yours FREE. So, there you have it. These are the 3 Special Reports that come to you as part of The Ultimate Retirement Protection Plan... Each will bring you up to date with the most important changes affecting your wealth, including effective tax strategies, estate planning, and home equity strategies. But, there's one more thing I'd like to give you. It's a Special Bonus... and it may be the most valuable part of your entire Ultimate Retirement Protection Plan. Ultimate Retirement Protection Plan Bonus Risk-Free Membership to Bob Carlson's Retirement Watch Timely information is the most powerful weapon in the war for your retirement. Changes are coming fast and furious these days... And with the Lame-Duck Danger Zone barreling down on us like a runaway train... It's important for you to keep on top of all the changes that could affect your retirement. The Beltway Bandits are always cooking up new and ever-complicated schemes to separate you from your money. Unless you have a relative in the IRS or Congress, you'll never find out about most of these changes... until it costs you dearly. To make sure you keep up to date and on top of every scheme, plot and trick the government plans to send your way... I want to give you a risk-free membership in my private research letter, Bob Carlson's Retirement Watch. Every month, Retirement Watch brings you face-to-face with my most valuable strategies for making – and keeping – the most money in your accounts. You can safely add gold, silver, and other hard assets to your traditional IRA, if you do it the right way. It's easy when you know how How the "Yale University Secret" can help safeguard your IRA against inevitable market downturns You CAN use your IRA to buy your dream vacation home. Do it this way and you won't have to worry about an IRS backlash 4 easy steps to convert one or more IRAs into a Roth IRA... you may want to do this now Did you know it's possible to take your required minimum distribution, without liquidating a single share of stock or any other investment? Well, it is, if you follow a few simple steps This mistake makes your Roth IRA vulnerable to a massive IRS tax grab. These two simple steps let you tell the taxman to take a hike When it makes sense to convert your 401(k) to a Roth IRA — and when it doesn't. Get the full scoop on this little-known tax-saving strategy For 25 years, Retirement Watch has been keeping readers on top of the latest and most important changes affecting you and your retirement. It's truly one-of-a-kind. In fact, you simply won't find many of my recommendations anywhere else. Not in mass-market retirement books and magazine articles... Not from your employer, retirement seminars or talking heads on CNBC or Fox Business. As a Retirement Watch member, you'll profit from my detailed, independent research. Every month, I'll show you how the latest changes shoved through by the Beltway Bandits will affect you... And keep you up-to-date on everything coming down the pike, so you can prepare quickly and protect as much of your wealth as possible. As a member of Retirement Watch, you'll discover: How to position your portfolio to best take advantage of the latest investment research and market trends The key facts you need to know to design an estate plan that meets all your goals How you can leave your grandchild a comfortable nest egg, while barely cutting into your own standard of living Slash your taxes to the bone... legally and without trouble from the IRS How to steer away from the traps and pitfalls in investments, estate planning, insurance, and tax reduction Clear explanations of changes in health care and how they'll affect you How to protect your family's wealth from the uncertain costs of long-term care, and how to determine the best strategy for you Exactly where you can get the best prices on life insurance, Medicare supplement insurance, and long-term care insurance Simplify your finances to cut costs, save time, and make your wealth grow faster Not only that, Retirement Watch readers have discovered how to protect their retirement from The Retiree Tax Attack. Congress and the IRS have been quietly leeching money from older Americans to increase tax revenues for years now. After all, older Americans are the richest generation in history. It's not just the Feds doing this. State and local governments are also desperate for cash and have been raising taxes on seniors to help meet massive budget shortfalls. Congress and the government don't want to increase tax rates... so instead, they sneak in a bunch of, what I call, Stealth Taxes. As a member of Retirement Watch, you'll have regular access to crucial information to help you protect your money from these sneak-attack taxes: What triggers the government's Stealth Taxes? Not knowing could definitely hurt you This is one of the most dangerous myths in retirement planning. Fall for this one, and you could be miserable for the rest of your life How your IRA could trigger these secret taxes and what to do about it How hidden taxes will affect your Social Security unless you do this Avoiding the secret tax hidden in Medicare premiums Watch what you itemize for in your tax returns... if you do this, you could bring down the wrath of the IRS Are you heading for the IRA waterfall? It could swamp your retirement and leave you up the creek without a paddle. Do this, and you'll have much smoother sailing How the IRS determines when you hit this waterfall, and how much you'll need to pay In addition to your free Special Report, The 20-Minute Estate Plan: Building a Lasting Legacy... Retirement Watch regularly gives you easy-to-understand information on the simplest ways to help your heirs avoid paying needless taxes on an inherited IRA... In past issues of Retirement Watch, we covered: Why standard provisions in your will could cost your estate thousands under the latest law and leave your spouse impoverished Why it almost never makes sense to make charitable gifts from your estate. Use this strategy instead – it leaves much more after-tax money for your loved ones and your favorite charity This specific kind of trust may prove extremely valuable to your estate planning under the latest tax laws... here's how to use it, and why. The family home, or a vacation home, can be the most difficult assets in an estate. Here are five ways you can solve any problems before they come up Why "digital assets" need to be a key part of your plan and how to handle them Don't listen to what others may say... using this as a key part of an estate plan can be a bad, bad idea Shrewd ways to have your business pay estate taxes When to use trusts in your estate plan and how to pick the right type of trust for you How to avoid probate, and when you might not want to Whether you are Bill Gates or the guy next door, these are the 10 basic rules for every estate plan To help you grow your wealth, as quickly and safely as possible... I've created 5 distinct recommended portfolios within Retirement Watch... each one designed to meet a specific investment goal. Your risk-free trial will give you exclusive access to the entire portfolio of stocks, mutual funds and ETFs I recommend to my readers. I call these my Easy-Chair Portfolios, because they let you kick back and relax while you build your wealth. You'll get all my current recommendations in these 5 portfolios: True Diversification Portfolio A collection of diversified mutual funds using strategies or investments typically used by the best institutional investors. This is the foundation – or core – of your retirement portfolio. Its primary goal: Create wealth while avoiding large losses. Sector Portfolio A balanced approach to the markets, meant to take advantage of those sectors with the best potential for long-term appreciation. This is for investors seeking above-average returns who can tolerate some monthly volatility. Balanced Portfolio Built for investors who seek above average returns over time with less monthly volatility than both the overall stock market and the Sector Portfolio. Income Growth Portfolio For investors who primarily want an annual income yield of 3% to 5% of their current principal, and who also want the cash income and principal to increase over time to keep pace with inflation. Retirement Paycheck Portfolio Designed for those who want above average interest and dividend yields with the likelihood that both the income payments and the principal value will increase over time. This is for people who plan to use the portfolio to fund their regular spending. Retirement Watch will give you the confidence to make sound decisions and effective plans for your financial future. You'll know that the advice you read in each monthly issue is based on my personal, independent, thorough research. I don't have a hidden agenda. I won't push a particular investment, because I have no allegiance to any kind of financial company... nor do I receive any kind of fee or commission for anything I recommend. You'll know exactly why each investment is in your portfolio and what you can expect from it. In short, your investments will let you sleep at night. I'm not the kind of guy to make grand promises I could never keep. Yet, I can make you these simple promises. If you stay with me as a member of Retirement Watch, and you put the strategies and tactics I share into action... You will pay lower taxes, perhaps dramatically lower Your financial life will be much simpler Your estate will go where you intended You'll know how to respond to changes Costs on all your financial services will be slashed What You Don't Know About Retirement Can Hurt You There's an old saying, "Failure to plan is planning to fail." Nothing could be truer when it comes to your retirement. If you don't take steps now to protect and grow your wealth, there are plenty of others out there who know what to do with your money... like Obama... Congress... and the IRS. Failure to plan means you're surrendering your right to a happy and prosperous retirement to Beltway Bandits... And you know what they have in mind... More money for them... a lot less for you. Each month of Retirement Watch will bring you my latest research and insights on a range of retirement issues. Most other advisors cannot do the amount of research I do. That's what makes my monthly service so valuable. I'm confident you won't find another resource that does the kind of research I do... Or brings you the unique insights and strategies you'll find in each monthly issue... Or covers the wide range of financial issues you'll find in Retirement Watch. I'd like you to be a part of our Retirement Watch family of members. That's why I've included a risk-free trial membership as part of The Ultimate Retirement Protection Plan. Just tell me you want in... And you'll be eligible to receive all these Retirement Watch benefits: 12 Monthly issues of Retirement Watch: Delivered directly to your email inbox every month Retirement Watch Hotline: Every week, I'll send you a special hotline issue to bring you the up-to-date info you need most Unlimited Access to Retirement Watch Archives: A treasure trove of the ideas, insights, and recommendations I've shared with readers, past and present Important Links to Valuable Information: Helpful links to an ever expanding universe of resources and information affecting your retirement 24/7 Access to the Retirement Watch Website: Once you sign up, you'll get round-the-clock password-protected access to the entire gamut of service resources: including my easy-chair portfolios, special reports, and access to the entire archive of Retirement Watch Portfolio Updates: These keep you ahead of the curve on changing market conditions Special Library of "Watches": A comprehensive "Watch List" of areas important to your wealth, and your life, including health news, housing updates, estate planning, cash strategies, and annuities information. That's not all. If you tell me you want to be a part of The Ultimate Retirement Protection Plan right now... I'll give you one more comprehensive Report as a special "thank you" bonus: Thank You Bonus Report 5 Easy Chair Portfolios to Fund Your Retirement Dreams This is the in-depth, definitive guide to every strategy and tactic used in my 5 recommended portfolios. A $49 value, it's yours FREE as part of The Ultimate Retirement Protection Plan. By now you must be wondering, how much will The Ultimate Retirement Protection Plan cost? Well, let's look at everything you'll be getting. Tell me you want to be a part of The Ultimate Retirement Protection Plan now, and you'll get: New Rules of Retirement: The cornerstone of the Plan that helps you reduce, even eliminate, the 3 biggest threats to your retirement happiness. A $129 value – yours FREE Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid: Many retirees' biggest asset is the home they live in, and this report shows you how to keep more of your "Home-Wealth" out of the hands of the Beltway Bandits. A $79 value – yours FREE. The 20-Minute Estate Plan: Building a Lasting Legacy. Simple strategies to assure your retirement money goes where you want it to when you're no longer around to manage it. A $79 value – yours FREE Risk-free trial membership to Bob Carlson's Retirement Watch A $99 value – yours FREE. PLUS... A "Thank You" Bonus Report: 5 Easy Chair Portfolios to Fund Your Retirement Dreams A $49 value – yours FREE. Total value of this incredible Ultimate Retirement Protection Plan package: $435. I have to admit, it would be well worth it at full price. I'd considered charging $299 for everything – a great price for such valuable information – but you'll never have to pay anything near that... ever. In fact, I think you'll be genuinely surprised when you see just how little the cost is for this life-changing information. It's easy to get started. Just click here now... And I will give you The Ultimate Retirement Protection Plan in its entirety... For one payment of just $57. Considering the caliber of information you'll have access to, I feel this is more than reasonable... It's a downright steal. Why am I willing to part with this incredible package of information, for what is essentially almost a 90% discount? One simple reason. The power of the Beltway Bandits to extract ever larger amounts of money from you is essentially limitless... Yet, I believe so strongly that my research can bring you a better, more lucrative retirement... I feel it my duty to get this information into the hands of as many people as possible. That's why, when I first discussed this package with Roger Michalski, the Publisher of Eagle Financial Publications – the good folks who bring each issue of Retirement Watch to my readers... I insisted that nothing should stand between you... and the success and happiness you deserve for your retirement. Especially price. This information should prove to be extremely important to you... And whether you're retired now or looking to retire soon... You're at a time in your life where you probably want to be careful with every dollar you spend. So, I want to make sure you get the best advice available, for the best price I can possibly offer. So, after some heated discussion, Roger finally agreed to this incredible introductory price... A close to 90% discount off the full retail value of the entire Ultimate Retirement Protection Package. That's a savings of $435 off the full retail value of this package. Heck, your one-year subscription to Retirement Watch alone is worth $99... And this gives you everything for only $57. That's an incredible deal... Yet, I want to make it even better. I'll send you 2 additional Bonus Reports FREE along with the entire Ultimate Retirement Protection Package we just went over, if you join me now for two years. Ultimate Retirement Protection Report #5 The Truth About Annuities Finding the one that's right for you Not all annuities are created equal... and not all annuities are right for you. There are trade-offs for each, and because of the trade-offs, a lot of people put all or even most of their money in annuities when they shouldn't. However, when done right, an annuity can be a valuable addition to your nest egg. So, in this special report, I'll go over the details of each kind of plan. Do you know the differences between a deferred fixed annuity, and a deferred indexed annuity? Is it better for you to open a fixed income annuity, or would one of the newer immediate annuities be right for you? I'll give you the details on every kind of annuity out there to help you determine which one might be right for you. A $49 value, you can have this report FREE of charge as part of The Ultimate Retirement Protection Plan 2-year membership. Ultimate Retirement Protection Report #6 How to Inflation Proof Your Nest Egg with ETFs Simple strategies for building wealth that give you the greatest exposure when the market goes up... and protection when it goes down. A $49 value, yours FREE as part of The Ultimate Retirement Protection Plan 2-year membership. And you'll get 24 Monthly issues of Retirement Watch, delivered directly to your email inbox every month. A 2-year membership to Retirement Watch is normally $198... However when join the Ultimate Retirement Protection Plan for 2 years you'll save $534 off the regular price and only pay $99. You also get a total of 6 FREE Special Reports: New Rules of Retirement – A $129 value, yours FREE Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid – A $79 value, yours FREE The 20-Minute Estate Plan: Building a Lasting Legacy – A $79 value, yours FREE 5 Easy Chair Portfolios to Fund Your Retirement Dreams – A $49 value, yours FREE The Truth About Annuities – A $49 value yours FREE How to Inflation Proof Your Nest Egg with ETFs – A $49 value, yours FREE PLUS you get a 2-year, risk-free trial membership to Bob Carlson's Retirement Watch – A $198 value, yours FREE. And you get ALL of this for only $99. Heck, it's really only about 13 cents a day. What else can you get for 13 cents? Nothing. Even a measly pack of gum costs more than $1.50 these days! I told you this opportunity was completely risk free... here's why. Join Today and You Risk Nothing I'm so convinced in the power of The Ultimate Retirement Protection Plan to help protect, and grow, your retirement savings... And I believe so strongly that my research is the surest pathway to a richer, sounder, more enjoyable retirement for you and your family... I'm going to give you the chance to take it all for a no-risk test-drive. Try out The Ultimate Retirement Protection Plan for 90 days. Read all my research. Check out all your Special Reports. Scour our valuable archive of past issues of Retirement Watch. Put me through the paces for a full 90 days. I want you to be 100% certain that: The Ultimate Retirement Protection Plan is absolutely right for you That my advice and planning recommendations are the most valuable on the market And that the information you find in The Ultimate Retirement Protection Plan... and in every issue of Retirement Watch... can do more for you and your family than any other resource out there... Or I will give you a complete and 100% total refund – no questions asked. Just pick up the phone and call us, any time day or night, and tell us you want a refund, and we will respect your wishes and refund your money. Not only that, if you don't see the value in everything I send you, and you do decide against continuing our relationship... I want you to keep ALL your special reports. It's my way of saying "thanks" for checking us out. Claim your Ultimate Retirement Protection Plan now. You need to act fast, because this is a limited-time offer. Naturally, we can't keep a deal like this open indefinitely. And with Obama and the other Beltway Bandits getting ready to make more devastating changes to your retirement dreams... You must act quickly. It's easy to get started. Simply click the button below now... or call 800-552-1152. It will only take a minute. Once you're all signed up, here's what will happen next. Within a few moments after your membership is accepted, you'll receive an email from me confirming your membership and welcoming you to The Ultimate Retirement Protection Plan. You'll also be able to set up your personal username and password for easy access to our exclusive Retirement Watch website. And, I'll give you all the download links to each of your special reports... as well as complete instructions for how to get the most out of your membership. Of course, if you have any questions and concerns, you can always reach out by phone or email... and a member of our Retirement Watch Customer Care team will be there to help you sort through any confusions. Grab this information now while you can. Missing out on this opportunity, and all the actionable intelligence you'll find every month in Retirement Watch... Could mean the difference between the retirement you've always dreamed of living... And a retirement you'll be forced to live, thanks to the Beltway Bandit's cash-grabs in the Danger Zone. I'd hate to see you become one of those guys forced to spend their retirement years in an ill-fitting blue vest working at Walmart... You and your family deserve so much more. If you do not prepare now to face the threats from the Beltway Bandits, and their increasing cash grabs for ever larger chunks of your retirement wealth... that could be you. I've seen too many folks depressed and suffering in retirement, because they failed to take the steps they needed to preserve and grow their wealth. They waited too long... and came to me too late. That doesn't have to be you. You need to act now. It's getting more and more difficult to build a happy retirement these days. At every turn, you're facing new and sneakier threats to your wealth... New tax laws... more regulations... changes that can come so fast, it'll make your head spin. I'm doing my part. I've shown you where you can find ALL the information you need. It's up to you now. Click the button below. Do it now. Pick up the phone and punch in the numbers: 800-552-1152. Tell me you're serious about creating a healthy, happy, and exciting retirement today. Not later. Now. Become a member of The Ultimate Retirement Protection Plan now. For about 13 cents a day. Remember, you have 90 days – 3 FULL months – to look us over. If it's not for you, no problem. You'll get a full and courteous refund. And all the Special Reports are yours to keep with our compliments – just for giving us a try. Just do it now. If you hesitate – if you wait on this – it may be too late. If you don't act now, you may not get the opportunity later. Thank you very much for your time. Sincerely, Robert "Bob" Carlson P.S. I've got you covered. No matter what you decide to do, you're completely and totally protected with our 100% no-risk, no-gimmick satisfaction guarantee. You've got 90 days to test-drive The Ultimate Retirement Protection Plan... including a no-risk membership in my Retirement Watch service. You must be 100% convinced that my research is the perfect complement to your retirement goals – or you pay nothing. And all the Special Reports are yours to keep even if you cancel. P.P.S. Remember, my goal is to put you in front of the very best planning strategies and moneymaking opportunities. That's why I urge you to take me up on my Ultimate Retirement Package 2-year membership. You'll get all 6 Special Reports: New Rules of Retirement... The 20-Minute Estate Plan: Building a Lasting Legacy... The Truth about Annuities... Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid... 5 Easy Chair Portfolios to Fund Your Retirement Dreams... How to Inflation Proof Your Nest Egg... And a risk-free membership to Bob Carlson's Retirement Watch... All for just 13 cents a day.