Former government employee finally reveals tax loophole normally reserved for the wealthy...
Using a little known but completely legal IRS loophole (revealed below)
"You Can Use a Simple Tax Loophole
Normally Reserved for the Rich and
INSTANTLY SKYROCKET
Your Retirement Fund Returns
up to 71.4% annually and
Retire Sooner and Richer than
You Ever Imagined"
(...and you can do it without the stock market risk...read below for complete details.)
 
From the Desk of
J.M. âWhitâ Whitner
Charlotte, NC
Tuesday, 11:30am
 
Dear Friend,
You are about to discover an astounding secret the rich have been using for decades to get INSANE returns on retirement savingsâand it will work for you whether you have $500 or $500,000
My name is J.M. Whitnerâbut everyone calls me âWhit.â You and I haven't met yet, but in a few minutes you'll probably feel like you know me. In fact, as you sit here for the next 7 minutes reading this letter, you will discover secrets it took me 14 years of heart-wrenching trial and error to learn. You're about to hear the whole no-holds-barred truth.
(By the way, if you want to learn more about me, you can [click here for my 15 second bio](bio.php).)
You are about to hear three disturbing facts that apply to the vast majority of Americans and probably apply to you as well:
Fact One:
You Probably Have Less Money Today than
You Did Three Years Ago
You already know the stock market has collapsed, leaving almost everyone with far less retirement savings than they had just a few years ago. Even though there has been some recovery, most people still have 25%-35% less in their retirement fund than they did just a few years ago.
Fact Two:
The Government is Coming for
Your Money
I'm proud to be an American. There's no place on earth where there is more opportunity for the âaverage Joeâ to succeed.
But as you know, right now, government spending is out of control.
Many experts are warning increased government spending will almost certainly result in increased taxes and likely cause even more economic problems in the years to come.
You saw it happen: The government bailed out the big wigs on Wall Street, but the average person lost years worth of growth and savings and we didn't get anything.
You didn't get the bailout, but you get to pay for it!
Fact Three:
Your Income is Not Growing Fast Enough
Experts warn almost no one has enough retirement savings. Worst yet, slow or no growth in the economy means retirement savings we do have are growing at a snail's pace.
The average American is trapped with lower savings, slower growth and the prospect of higher taxes.
A Wake Up Call:
âHere's What You Need to Retireâ
If you make just $50,000 a year today and have $25,000.00 in retirement savings, here's what you will need to put away each month now to retire at 65 to keep your lifestyle intact*:
AgeCurrent FundMonthly Investment Needed35$ 25,000.00$ 448.3540$ 25,000.00$ 676.8045$ 25,000.00$ 1,078.0950$ 25,000.00$ 1,700.5055$ 25,000.00$ 3,084.0060$ 25,000.00$ 7,033.27*Assumes 8% tax deferred rate of return and 4% annual inflation
Even with exceptional rates, your current retirement fund is unlikely to give you the retirement you hope forâeven if you work until 80.
âWe Are Already Seeing Seniors in Povertyâ
In the 1970's there was a problem for the retired: Too many had relied on Social Security alone to fund their retirement and ended up living in poverty. At that time many younger people began saving for retirement realizing they needed more than Social Security to enjoy their senior years.
But you already know the sad fact all over the news today: People in their 60's and 70's, who have worked and saved their whole lives, having to return to the work force, and some are not able to pay even their routine bills.
You already know you don't want to be in that position yourself.
âThe Stock Market Plunge
Left Millions of Seniors Brokeâ
Do you know what caused the stock market to crash in 1929? Fraud and greed. Do you know what caused the stock market to crash in 2007? Fraud and greed.
Imagine for a moment you turned 65 and retired on October 5, 2007. Things were looking great for youâthe stock market had grown rapidly and the Dow-Jones Industrial Average was a whopping $14,066.01. Your retirement was set.
Then, over the next 16 months, things go crazy. The Dow plummets 52.9%. Your secure retirementâone you had looked forward to for decadesâwas now not even possible. You are forced to go back to work or not be able to pay the bills.
Not a pretty picture, is it? That's exactly what happened to millions of Americans.
âWhere Will You Be the During
the Next Stock Market Plunge?â
There will be another stock market plunge. Some experts are warning it will happen in the next few years, some believe it may be decades from now. As we have discovered in the past, no one has a crystal ball.
But imagine what would happen to you if that plunge happens the day you retire? Or five years before? Or five years after?
$100,000.00 on October 5, 2007 is now worth only $73500âand that's after our so-called âYear of Recovery.â You need a resource that will hold its value and not have the risk of stocks.
âIt Gets Even Worse--
But It's Not Your Faultâ
You can't put ENOUGH in to fund your retirement using the traditional systemâeven in the so-called âhigh returnâ stock market. So where else can you turn?
The reality is for most people the only real options they have are the risky stock marketâwhich includes money market accounts and other investment vehiclesâprecious metals or bank CDs.
The Problem with CDs
CDs are safe, but don't make enough money. Today CDs are earning just 1.3%. If you thought saving for retirement was tough at 8%, imagine trying to do it at 1.3%.
The Problem with Precious Metals
Precious metals accounts sound like they might do better, and seem like they may have less risk than stocks. Right now the media tells us gold is at an all time high.
But can you actually MAKE money with gold over the long term?
30 years ago gold was selling at around $850.00 an ounce. Today gold is selling at around $1100 and ounce--which sounds like good growth.
That is, until we adjust it for inflation.
Adjusted for 2009 dollars, gold was selling at $2,189.00 an ounce in 1980 while today it is selling for $1100. Gold today has ½ the buying power it had 30 years ago.
Precious metal investing may help you through a brief crisis, but once the crisis is over the value returns to ânormal.â
âThe Rich Play by Different Rulesâ
You've suspected it all along: The system is stacked against the little guy.
There is no way using traditional methods you are going to retire richâeven in two lifetimes. That's why the rich don't use the traditional system. Here are five rules the rich operate on. As you read them it will open your eyes to how wealth is truly made.
Rich Rule One: The Rich Take Control of Their Own Money
The first thing the rich do is take control over their funds. Instead of setting up a ânormalâ retirement account, they take advantage of the little know IRS tax court case âSwanson v. Commissionerâ allowing an individual to have âcheckbook controlâ over his own IRA funds as long as he meets some simple standards.
The rich can then use their retirement funds for an almost unlimited number of investment opportunitiesâthings conventional accounts can't even touch.
Rich Rule Two: The Rich Share Insider Information
When the rich find an investment they know is a winner, they tell their friends about it. Because of their wealth position they are in a better place to take advantage of opportunities that come their way.
Rich Rule Three: The Rich Invest in Real Estate
Real estate has created more wealth than any other single medium. The rich not only know this, they take advantage of it to create and grow their own wealth.
Rich Rule Four: The Rich Take Fast Profits
While the rich do take a long-term approach to wealth, they also understand the power of huge, short-term gains. The rich recognize that a dependable, low-risk return of 10% annually is good, but a reasonable risk return of 30% in a month or two is even better.
Rich Rule Five: The Rich Legally Avoid Taxes
Most of all, the rich do everything they can to keep what they earn.
Warren Buffett, one of the richest men in the world, paid only 17.7% of his $46 million income in 2007 federal taxes; his secretary paid 30% of her much more modest salary.
The rich take advantage of the law rather than letting the law take advantage of them. They use perfectly legal loopholes and IRS rulings to minimize their tax liability and pour that money back into their nest egg. Using a technique you will discover below, most wealthy people legally defer taxesâsometimes forever.
You need to think like a rich person.
What if I told you the average guy who only has a few thousand (or even a few hundred) dollars to invest can play by the same rules, get the same insider information, invest in the same real estate, earn insane returns and pay little or no taxes?
Interested? Of course you are.
âThe Ultimate Guide to Wealth
Shows You How to Operate Like a Rich Personâ
Here's what you are about to discover:
How to easily and legally set up your own self-directed retirement account. Most people have to hire a CPA at hundreds or even thousands of dollars to set this up for them. How to effortlessly find a custodian to oversee your retirement fund for you without having to pay huge fees. What forms you need to file, how to fill them out and where to file them. Where to locate investment opportunities How to legally avoid paying taxes on your self-directed account's earnings until you decide to pay them
CASE STUDIES
Here are a couple case studies. They are not typical--they are exceptional--but they give you an idea of what is possible using a self-directed retirement account. Will you do as well? You may do worse and you may do better. How much you make is up to you.
âGloria turns $20,000.00 in to a
COMPLETELY SECURED $600.00 a month returnâ
âI contacted Whit because I had $20,000 I wanted to invest and didn't know where to invest it. I'm retired now, and couldn't afford to take any risks with my money. Returns on CD's and Money Markets aren't enough to matter-- they're really not returns at all.
âWhit recommended I put the funds into a Self Directed IRA for a tax shelter. Whit linked me to an amazing investment with someone who needed capital to complete a project and I received monthly returns until the property was sold.â
âI have been receiving a monthly return of 3%. I make more in a month than I would in a year and my investment is secured. WOW. I never dreamed this was possible. It's been 5 months and I'm still more than satisfied. Thanks Whitâ
Gloria, South Carolina
â$62,000.00 to $98,000.00 in 3 monthsâ
Thomas had $62,000.00 to invest. Following my advice he used this to buy a distressed property and fix it up. Three months later the work was done and, though the house was easily valued at $104,000.00, he was able list it for $98,000.00 and now it now has three potential buyers right nowâeven though the work is not even completed yet. After realtor fees and other expenses he will be left with a whopping $27,000.00 profit. If he repeats that process two times a year it will net him a 87.1% profit.
Better yet, he won't pay any taxes on that growth until he takes the money at retirement.
âRight Now is One of the
Most Lucrative Times in History for
You to Invest in Real Estateâ
Right now properties are selling for bargain basement prices and you have an almost unprecedented opportunity to cash in.
Imagine, having property that you can see, touch and that has real, intrinsic value rather than a stock certificate or money market statement.
You already know real estate is the best investment going and it is even better now with the current rock-bottom pricesâbanks and individuals are ready to sell properties for 50 cents on the dollar!
The step-by-step information in this guide will save you several hours and hundreds of dollars. You won't need to hire an expensive CPA; I'll walk you through the process.
The returns you will receive can be enormousâin the hundreds of thousands of dollars.
âThis Guide is Worth $500.00
(...but don't worry, you won't be paying it!)â
When I approached my investor buddies about how much to charge for this information, I was advised to do what most people in financial services do: Sell this as a white paper for $500.00 or so.
But that didn't sit well with me. I was a little guy at one time too. $500.00 is not a lot for a professional investor to pay, but it's a lot for the little guy.
I've decided to make this available to everyone at $97. At that price it's fair to meâI make something for having written the book and giving people my personal attentionâand the average Joe can afford it.
But I also want to give you something else to make you even more successful...
âI am Also Going to
Give You 30 Days Free Coachingâ
I have an investment club where I train self-directed retirement account investors how to get the most bang for their buck. It normally costs $197.00 per monthâit's that profitable for my members. You will get your copy on the first of each month.
On the first Thursday of each month you will receive a pre-recorded digital download of that month's training call. It will be available in both Widows Media and MP3 format so you can listen to it with either a Windows PC or download to an Apple computer or iPod. If you have questions you can submit them via email and I will answer them in the next training call.
As a member you will also have access to my private âDeal Networking Newsletterâ where I give them the opportunity to partner with other investors to find co-operative deals that will make you both money with no debt and no risk.
Just for picking up your copy of The Ultimate Guide to Wealth I'm going to throw a 30 day membership in as a bonus. You can cancel your membership at any time with the click of a mouse, but you won't want to.
â$97 Is All You'll Payâ
In addition to giving you the first 30 days free, I will also lock-in your monthly membership at $97/mo should you decide to remain a member beyond 30 daysâthat's a savings of $1,200.00 per year. If you choose to remain a member you will be billed just $97 per month until you cancel.
âWhy This is Cheapâ
At this point you are probably wondering if there is a catch. You're right, there is a huge catch and I'm about to spill the beans on it.
Professionally I am an investor and self-directed retirement custodian. There are two ways I make money.
First, I make money by having a large group of people around me who are bringing me deals I can access for quick, high-yield returns. The more people I surround myself with who are serious about becoming wealthy, the more deals I will hear about and the more money I will make.
I want to partner with you on deals in your area.
Second, I make money by managing other people's projects. Sure you can go out and find a contractor, supervise a project and run things yourself, but many people prefer to let me handle that for them for a small fee.
I make money when I help you make money.
My Signature âThree Way Guaranteeâ
Means You Make Money or It's Free
Guarantee One: If you are not satisfied for any reason in the first 60 days simply ask for a refund and it will be givenâno questions asked.
Guarantee Two: If you cancel your personal coaching membership during the first 30 days, you will never be billed for it.
Guarantee Three: If you cancel your membership at any time after the first 30 days, you will never be billed again.
With this 3-way guarantee, there is no way you can lose.
âYou Need to Make a Decisionâ
Right now is a time of crisis but also of opportunity. You already realize it will take decisive action on your part to retire rich, now is the time for that action.
Choose the option that is best for you:
[](http://1.5862730.pay.clickbank.net)
Note: Book comes as a downloadable Adobe Acrobat Reader file so it works on any computer. You will receive a link to the free Adobe Acrobat Reader software to download if you don't already have it.
Your instant download means you can get started in the next 10 minutes!
J. M. âWhitâ Whitner
9716 B Rea Rd, # 198
Charlotte, North Carolina 28277
USA
Questions or problems? [AskWhitt@AOL.com](mailto:askwhitt@aol.com)
PS: You have the opportunity to retire rich sooner than you had ever imagined. Pick up The Ultimate Guide to Wealth and take 30 days free coaching on me. It will change your life. [Click here now to register](http://1.5862730.pay.clickbank.net).
