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Are you fed up with feeling anxious or frustrated about your retirement and the financial crisis?
This is for you!
Nonsense in Traditional Retirement Planning
A New Perspective
The financial planning breakthrough most financial advisors don't know about!
Take the next 15 minutes reading about a revolutionary 30-minute financial planning method that will mathematically minimize the impact of a financial crisis and maximize your quality of life.
Before going any further...
Become a member of
the "Non-Retirement" Group
and get these four courses absolutely free!
In these four downloadable crash courses, you will learn the fundamentals about:
Budgeting
Learn everything there is to know about setting a sound budget and sticking to it!
Investment
Get the big picture from motivation to investment profile. A good companion for any savings plan of action.
Insurance
Learn the various types of insurance and many buying tips when it comes to protecting yourself. Optimizing your quality of life also requires peace of mind.
Credit Cards
Do you know how to calculate your "real" rate of interest on your credit card, always higher than the one they tell you? Learn it with my guided tour on credit cards.
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Hello there!
My name is Dany Provost, president of DELTA Actuarial Services and author of the book Nonsense in Traditional Retirement Planning: a New Perspective.
Through my 18 years of practice and in teaching financial planning, I have come across just about every situation one can imagine. From dead-broke retirees to multi-millionaire yuppies.
Let's get things straight: there is no professional financial planning software available on the market today that can give you an optimal and logical plan of action for your retirement - according to my definition of "optimal and logical". Though this may sound incredible, it's the sad truth.
As a professional chartered financial planner having a degree in Actuarial Science and being a Chartered Financial Analyst (CFA charterholder), I want to leave no stone unturned in the process of delivering to my clients the very best of the art. I also have another degree in music, so I'm used to "jazzing things up"...[More...](index.php?id=bio)
In September 2000, after having scrutinized every possible financial planning software available on the market, I was fed up and disappointed by those "high end" tools.
So, with the help of a few people, I decided to put together the best possible software for planning personal finances. Today, I want to share with you the revolutionary method I have developed - the one that mathematically minimizes the impact of any financial crisis and makes retirement planning (the way we know it) virtually disappear: a radical shift of perspective.
The French version is a bestseller
With rock solid logic, the first version of this book (the 2005 French paperback version: Arrêtez de planifier votre retraite, planifiez votre plaisir which literally translates as "Stop planning your retirement, plan your fun"!) is already a bestseller in Canada. Some adjustments were required to "internationalize" it, and consequently this version is not a mere translation of the original paperback version. Wherever you live, you will be able to use the invaluable information contained within.
The province of Quebec, Canada, was the ideal region to test the original tool and launch the first version of the book. There are three basic reasons for this:
The region has a unique Latin and Anglo-Saxon blend because of its origins and its closeness to the U.S. Quebekers are among the most selective people when it comes to evaluating financial advisors. It is a relatively small market (less than ¼ of the Canadian population), and often neglected when it comes to adapting products. So, one can develop a product without the fear of having his or her ideas hijacked by a "giant". In order to be granted the legal title of Financial Planner (F.Pl.), one has to get through the highest requirements in North America. Since 2000, a bachelor's degree and a university certificate in financial planning are mandatory for whoever wants to be granted the right to use the reserved title.
You've been fooled long enough!
After reading this book, it will become crystal clear to you why:
No financial institution officially endorses this method. Virtually all financial advisors out there, with their professional retirement planning calculators, are doomed to rehash the same results which are quite different from mine. Free retirement planning calculators are worth their price. You should neither feel guilty nor be afraid if your savings are not "what they should be" for your retirement. There is no need to plan for retirement beyond the age of 90. Planning to have X % of your income at retirement is a big mistake. You should forget about statistics and not try to fit into the charts. Systematic saving is pure nonsense. The inherent mistakes made through retirement planning will make it become obsolete. Regardless of your current financial situation, age and projected time of retirement, there is an optimal solution. You should make your total income meet your needs and not the other way around. In traditional retirement planning, your quality of life is a secondary issue. See how to turn that notion on its head. "Lifestyle" definition in traditional planning is an aberration. In traditional retirement planning, you have to forget about your current lifestyle. This new method is the 3rd millennium method. This book is a must read before any other book on the subject. Every field of financial planning is impacted with this new way of thinking. Saving taxes is not that important. And much more...
But theory is not enough... You will learn HOW-TO overcome traditional retirement planning inherent weaknesses.
If you currently have a plan of action for retirement, chances are that it is not optimal. You are either saving too much or not enough - and not the right way!
If you've given up on retirement planning, forget about what you've seen in the past because this method will enable you to see the light at the end of the tunnel, and you will realize that the goals and plan of action you had were simply not appropriate for you.
If you never had a plan of action, you will discover the best method ever.
Don't take my word for it! Just take a look at what academics say about it.
"In his book entitled "Nonsense in Traditional Retirement Planning", Dany Provost provides a set of arguments and a methodology that allow people to start thinking differently about achieving their financial goals over a lifetime while having fun. Indeed, his approach to financial and retirement planning is, in my view, worth considering given that it appears to be more flexible than the traditional model."
Gilles Bernier, Ph.D.
Professor of Finance and Insurance
Industrial Alliance Insurance and Financial Services Chair
[Faculty of Business Administration](http://english.fsa.ulaval.ca/)
Laval University
"I truly enjoyed reading the book by this man, well-known for being a top financial planning expert as well as a man of exceptional intelligence and a member of many worldwide extremely high IQ societies.
What makes Nonsense in Traditional Retirement Planning a one-of-a-kind book is that it deals with the quality of life as a broader concept, not the way we are used to defining it.
More technical aspects are dealt with in a simple but nonetheless meticulous manner. Humour is peppered throughout. The clarity of examples is remarkable and easily understandable by all. Many readers who "haven't yet thought about it" will find in this book invaluable information they will greatly benefit from.
Dany Provost's unique approach could be summarized as follows: "Make your income fit your needs and not the other way around." He reminds us of simple (and often neglected!) elements. To the most fundamental single question one should ask, his colourful answer provides food for thought.
Most financial advisors calculate how much you need to save annually in order to reach your retirement goal. Dany shows us, with original examples, the nonsense of this method that makes your quality of life a secondary issue!
To summarize, this work is brilliant, for its originality as much as for its real usefulness.
Albert Frank
Mathematician
Former Vice-Dean of Zaire National University
Brussels, Belgium
http://users.skynet.be/albert.frank/
http://www.ludomind.gui.pro.br/
http://www.lulu.com/content/71060
"Dany Provost's book is a real Copernican revolution in retirement planning. Putting back into question the "sacrosanct " 70% rule, he shows that sacrificing everything today in order to reach a certain lifestyle level at retirement is not only an existential aberration but also a financial one. This book is rare proof that quality of life is not a vaporous concept but a reality that one must plan today in order to live a happy, financially sound retirement."
Loïc Jacob, M.A., M.B.A.
[IAIFS Chair](http://www5.fsa.ulaval.ca/sgc/recherchepublications/chairescentrerecherche/chaireindustriellealliance)
Researcher
Laval University
"A new and promising vision of how to plan your retirement. Financially, how can you take full advantage of the present without risking the future? In this field as in many others, the author presents a rigorous and intelligent demonstration that flexibility is better than rigidity." (May, 2005)
Guy Provost, Ph.D.
Executive Vice-President
[FQRNT*](http://www.fqrnt.gouv.qc.ca/index.htm)
*A Canadian non-profit funding agency supporting research
This method is NOT about making you any richer... It's about putting your money to better use. Neither do you have to work any harder to implement my advice. This way, I can prove to you that you will get the most out of your financial situation.
In fact, the only requirement for using my method is to have a flow of income, period. What you will learn is how to optimize your flow of income and expenses no matter what your financial situation is!
Take a look at what other professional financial advisors are saying about my method - or about me - once they know about it... some of them actually use my tools or services.
"Having been a Professional Financial Advisor for more than 35 years, I sometimes have to deal with more complex or delicate situations. In order to do the very best job, I require Mr. Provost's professional advice. Believe me, this man is a sheer "financial maniac". He does what no other financial professional does and this has led him to develop this awesome philosophy. On top of that, we share what to me are the most important values: integrity, competence and a real sense of engagement. He has added a human factor to financial and tax planning and that's what makes this philosophy so unique and sublime. So if you want to get the most out of your financial situation, whatever it is, Dany Provost is the real deal!"
Raoul Garneau
Professional Financial Advisor
[DFS Independant Network](http://www.sfl-dfsin.ca/en-CA)
Quebec City, Canada
"I know Dany Provost because I worked with him in the past for a few years and carefully watched his path thereafter. When I think about him, the words that pop into my mind are: atypical, funny, smart and rigorous.
Dany is a passionate man who knows his field better than anyone else and is not afraid to go off the beaten track. For me, he is the "alchemist of numbers". His book brings a new light to retirement planning and unveils many hidden aspects that many would rather keep secret.
There is no doubt that his book is a must for anyone who cares about understanding this wonderful world of retirement as well as having the right information about "sacrosanct" planning. I recommend it to everybody!"
Michele Frenette, B. Adm.
Foundering President
[GRMF Inc.](http://www.grmf.ca/)
Specialized pension plan firm
"Dany Provost is an amazing person, a visionary! He is always in search of new information and new concepts. With his highly sophisticated technical tools, he facilitates my professional financial advising. With his support, I feel very sharp in front of my clients. His financial philosophy calls into question many facile theories that are more "reflex based" than logical. He brings depth and precineness to truly integrated financial planning.
He is not only a financial analysis "machine" but also an artist to the core. It appears that music and numbers are closely linked... I've heard him play the piano and I can testify to that...
In fact, Dany Provost is a very nice kind of person that I appreciate a lot not only for his technical support but also for his interpersonal skills."
Maxime Boucher
Professional Financial Advisor
[DFS Independant Network](http://www.sfl-dfsin.ca/en-CA)
Trois-Rivières, Canada
Narrow-minded advisors hate this book. It makes them feel threatened. One of them left me the following comment:
"Planning one's fun instead of one's retirement - it goes against everything I have learned so far."
E. G.
Professional Financial Advisor
Montreal, Canada
I hope you see why I'm not giving you his full name - and address... If we thought that way for other things, we'd still think the sun revolved around a flat earth! Fortunately (for the clients), this type of comment is pretty rare. Although I carefully take note of every comment I receive, these come, in my opinion, from very conservative "dinosaurist" planners and are not worth paying them much mind.
When you see the light at the end of the tunnel or simply understand what this is all about, your advisor - if you have one - had better be ready and follow along, otherwise you will not put up with her or him long after you finish reading it.
This book is pure and simple common sense.
Want to know what the media say?
Here are a few comments...
"Mr. Provost's method is so sensible that one wonders why no one has thought about it before."
Dominique Froment
[Les Affaires ](http://www.lesaffaires.com/index.fr.html)
Major Business weekly newspaper
"He was a musician and an actuary before becoming a financial planner. He tells me that I might have saved too much for my latter days. He reminds me that fun must prevail in my life. No doubt about it, Dany Provost is a real character. In this so-many-people-have-the-same-speech environment, his approach will appease many investors' fears."
Jean Pare
Publisher
[Transcontinental Group](http://www.medias-transcontinental.com/en/)
"With an ironic and funny style, Dany Provost shows us a non-conventional method... He gives us plenty of examples, sometimes convincing, sometimes funny but always food for thought. One thing is for sure, it is quite a change from the classic method."
Richard Johnson
[Journal de Montréal](http://fr.canoe.ca/journaldemontreal/)
Major Daily newspaper
Montreal, Canada
"It's not about throwing away financial planning and living the present moment to the fullest without worrying about the future. The approach is based on annual planning but adding intelligence to it. Each person is unique and every situation must be planned accordingly. Very interesting and refreshing."
Louise Froment
[Québécor Media](http://www.quebecor.com/Home.aspx?Culture=en)
Why hasn't anyone come up with something similar in the past? This is a legitimate question. There are a few reasons for that. One of the most important ones being the software applications the pros are using: they just don't deliver!
One of the problems with the traditional model is the way it defines QUALITY OF LIFE. With the traditional definition, every tiny little mistake translates into wide variations in your actual quality of life.
This method makes two-thirds of the fundamental retirement goal questions disappear
In traditional retirement planning, you are ALWAYS asked TWO (out of three) fundamental questions defining your financial retirement goals:
When do you want (or need) to retire? How much money do you want at that time? How much money do you want to save before retirement?
Try to find ONLY ONE retirement planning calculator anywhere around the globe NOT asking two of those three questions and I'll give you my package for FREE!
But... Do you see the problem with these simultaneous questions?
I'll bet you don't! But not to worry if you can't see it for now because the new method will clear things up and make two of these questions simply vanish... with sheer logic. Along with the calculation tool, you will learn a step-by-step process that will maximize your quality of life. How can that be possible? Simply by maximizing your fun! Yes!
This new method focusses on fun (along with peace of mind)! Since everyone is different, I can't define what "fun" is to you, but you sure can! From that point on, the method and the tool you will be using will enable you to get the most out of your financial situation, whatever it may be. The flexibility of the tool makes it possible to use in any country. I provide you with the only current financial planning tool on the planet (besides the professional versions I have developed for myself and my clients) that reflects this novel approach.
A detailed tutorial will show you exactly how to use it, with no prerequisites whatsoever. I guide you by the hand until you get to the final result.
The first step is reading the book - to understand what this is all about. It will open up your mind and make you realize that all I am saying is just common sense.
The second step is the software that will help you go from theory to practice with a 13-page report. You will be amazed by its unique results for your particular situation, and that's a promise!
"Hi,
First, congratulations on your book. A really refreshing book for this vacation period! I like to be challenged about my ways of doing things. I will strongly recommend it to many people, starting with my financial advisor!
CONGRATULATIONS again!"
Normand Hainse
Senior Consultant, organizational development
Canada
"Hi Mr. Provost,
I read your book with a great amount of interest and fun. (...) I spontaneously adhere to your personal finances philosophy (while I was in reaction against all I guessed about this financial planning world and its eat-crust-today-to-keep-the-soft-part-of-the-bread-for-those-days-when-you-won't-have-the-teeth-left-to-chew-up exhortations).
Thank you."
François Godin
Professional Actor
Montreal, Canada
"Hi Mr. Provost,
I bought your book yesterday and I just finished reading it. It's excellent! It's food for thought."
Donald Landry
Canada
"I just loved Mr. Provost's book. His philosophy really suits me and I can't wait to apply it."
Lise Billette
Montreal, Canada
"I just finished your book. I wanted to tell you how much fun I had reading it and learning about the subject. (...) I am a 45-year-old entrepreneur with two beautiful daughters (16 and 18 years old). I didn't put money aside each and every year for my retirement because either my income was too low or I had a lack of self-discipline - buying a boat or playing golf instead of paying off my mortgage or investing for retirement.
By the end of your book, I suddenly felt relieved at having made those choices.
I want to thank you. Thank you for your frankness and for having given me the opportunity to live a balanced life, financially at least."
Normand Laprise
Thetford Mines, Canada
Do you see? All those satisfied readers can't be wrong. What you just read is what you will be experiencing. A kind of Ah...ha! experience about your personal finances! In fact, I'm so convinced that you will like what you're about to read that I give you a full 60-day money-back guarantee.
But wait!
On top of this, I will give you these great complimentary bonuses totally free.
Bonus #1
The first three months free plus 50% off on quarterly (three month) fees as long as you decide to use the calculation tool. Since regular quarterly fees are $19.95, I'll let you do the math...
Bonus #2
Genius Planning's Top 25 Tips to Find Easy Money.
Whether you are facing a cash crisis or simply want to learn the best saving tips without lowering your standard of living, this is a must-have. You will find hundreds of examples under these 25+ tips.
Bonus #3
Genius Planning's Top 25 Tips to Travel on a Budget.
You enjoy travelling but you find it expensive? Learn the tricks to help you spend less on unnecessary travel fees so that you can spend more on your quality of life.
Bonus #4
Genius Planning's Top 25 Tips to Save Money on Gas.
With the steady increase in the price of gas, this special report will show you how you can easily save on this unfortunately necessary item.
Bonus #5
How to Retire Without Money
This book, written by Bob Belmont, will show you that you can retire even without having a bursting-at-the-seams bank account. If you started saving "too late", you can still retire. You will see how in this wonderful book.
Bonus #6
Most people have trouble keeping track of their finances and making financial plans and decisions.
Family Finance Planner is a quick and easy software tool which can help you to manage your finances.
It will help you to track where your money is going, help you to make important financial decisions and work out how to save up for the things you really want.
Here are just some of the features of this amazing software...
Comprehensive monthly home budget tracker that allows you to keep track of all your expenditures each month with a built-in feature to see how much over or under budget each item is, as well as automatically calculating all the totals for you.
Income/expenditure tracker, to keep detailed records of your income and expenditures.
Yearly budget tracker that allows comprehensive data to be tracked over the period of a year, with the automatic calculation of all totals.
Investment projection calculator, to calculate how long you will need to save up before you can buy something you want, like a car, a holiday or a down payment for a house.
Car loan calculator, to help you calculate whether you can really afford that new car you've got an eye on.
Car Leasing/Purchase calculator, to automatically calculate whether you would be better off buying or leasing a new car.
With all these powerful financial tools at your disposal, you'll soon be able to keep your bank account balanced, your bank manager off your back and work out your plan of action to maximize your quality of life.
Now, let me briefly summarize what you'll get for your money:
Nonsense in Traditional Retirement Planning: an awesome e-book dealing withA radical shift of perspective for your financial planningA method that will maximize your quality of life and minimize the negative impacts of any financial crisisAn understanding of the nonsense of the traditional model. You won't be able to go back to the old model afterwards
Software access that will allow you to simulate your situation an unlimited number of times until you get to your optimal solution. You will be able to update your situation anytime. This feature has ridiculously low quarterly fees ($19.95 per quarter).
The first three months free plus 50% off on the calculator's quarterly fees. That's only $9.95 four times a year!
6 super bonuses that will assist you in your plan of action.
So, how much are all these wonderful packages going to cost you? Several people I've shown this to told me I should charge at least $400. I agree it's worth that, and my bank account would probably be better off at that price. However, I will not charge you that much because I want to help as many people as I can at an affordable cost for this ground breaking information.
So how does "a quarter on the dollar" sound? I believe that's fair - more than fair - and it's affordable.
The regular price for Nonsense in Traditional Retirement Planning plus the six bonuses is $197. However, for a limited time, we are running a Market Test and you can have it at a discount for only $97! That's more than 50% off - but you must [Act Now!](index.php?id=purchase)
Plus, because this is 100% electronic downloadable material, you can have access to it in the next few minutes! And it works 24/7!
[Order now](index.php?id=purchase) and, using the easy steps I show in the book, you can start maximizing your quality of life right away!
You can order with complete confidence because this e-book comes with a 60-Day, 100% money-back guarantee. It's simple: either I live up to my promises and your expectations, or you can request a refund and receive all your money back. No questions asked. You have a full 2 months to decide.
Remember,
This is ground breaking information you will not find anywhere else on the Internet or any bookstore or library in the world!
Imagine ...
That if you face a financial quandary in the future, you will have the only tool on the planet allowing you to minimize the impact on your quality of life.
That you will have an easy guide helping you maximize your quality of life at the touch of a button!
That you will have a detailed plan of action to follow each and every year starting NOW!
That if you are currently on the wrong path, you will be able to correct it at once!
The bitterness of having invested too much for your retirement if you can't enjoy it!
Your financial burden gets lighter because you can take a break on your retirement savings!
Don't wait another minute. Remember, if you are not 100% satisfied, you simply ask for a refund within 60 days and you keep all the material. You just have nothing to lose! [Order Now!](index.php?id=purchase)
When I met my first clients many years ago, I was so disappointed by the results I got from the traditional retirement planning method that I decided to look for something else.
But my search was in vain?
There was no existing tool allowing me to maximize my clients' quality of life? so I had to build one from scratch to be able to deliver astonishing results.
Now you can take advantage of it. Plan your future and have fun. I'm going to show you how to make it your reality! So what are you waiting for? [Order Now!](index.php?id=purchase)
You can't lose with my 100% Iron-clad Money-Back Guarantee
YES Dany, I Want to Discover the Genius Planning's method to financially plan for the future!
I am ready to start maximizing my quality of life!
I want to gain instant access to download the Genius Planning's e-book Nonsense in Traditional Retirement Planning and install it on to my computer using your simple "how to" method!
I want to gain instant access to Genius Planning's software!
I completely understand my 100% Total Satisfaction Money-Back Guarantee, where I can give this package my best shot and if it doesn't deliver the results promised, I can get my money back!
I know I'll also be getting my copies of Genius Planning's Top 25 tips' special reports along with Bob Belmont's "How to retire Without Money" e-book and the Family Finance Planner software absolutely free!
To conclude, please let me access this incredibly low investment of only $97 for this ground-breaking package. Give me access immediately!
ONLY $197
97 USD
(For limited time)
[](/index.php?id=purchase)
Purchases are securely handled by ClickBank. You can pay with your credit card or your PayPal account. All prices are in US Dollars.
Once your payment has been authorized you will be redirected to a private Web page where the package is ready for instant download. This process will usually take only a few seconds.
To begin downloading, click on the download link. The download speed will depend on the speed of your Internet connection. A typical download will take between 20 seconds and 4 minutes.
When the download is finished, go to the folder on your PC where you saved it. From there, just double-click the icon to open the .zip file and extract its content.
Cheers to your quality of life!
Dany Provost, CFA, F.Pl.
President
DELTA Actuarial services
www.GeniusPlanning.com
P.S.
Do you realize how small that cost is to maximize your quality of life?
Do you realize that all retirement calculators you can find on the Internet (or anywhere else) use the same mathematical formulas and absurd method? By the way, I'll illustrate the "nonsense" retirement planning method in the first part of my book.
Do you realize that even if you buy good securities, if you don't know how much to invest, most of your "strategy" is a pure waste of time?
[](/index.php?id=purchase)
P.P.S.
Whatever your concerns are, the cloud will part when you read!
Would you like to be able to take a break in retirement savings when you can't afford to save? And not feel guilty about it because you can "catch up" later on?
Would you like to know the actual necessary amount of money you need at retirement?
Would you like to know if you are currently living above or below your ACTUAL means?
Whether you thought you'd never be able to reach your retirement goals or that you'd have to run an endless extra mile, I've got good news for you. This book is really the light at the end of the tunnel.
You will get back your smile for a fraction of what I could charge. And you are the beneficiary... if you [act now!](index.php?id=purchase) Your satisfaction is guaranteed.
[](/index.php?id=purchase)
??? STILL HESITATING ???
>>> Get the first 5 chapters for free! <<<
Have a taste of this unusual e-book by getting the first whole section without spending a dime!
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