12 page letter

7/27/2019 12 Page Letter

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ILL PAY YOU $500 IF I CANT SHOW YOUHOW TO BUILD REAL WEALTH.

Mr. John Sample21 Maildrop TerraceSamplevile, CT 06905

Dear Mr. Sample,

I dont have to tell you that these are trying timesfor the investor.

And, if youre like most investors, you could use somegood, sound advice to see you through.

No, Im not talking about the kind of advice beingpeddled a couple of years ago that got investors into the

fix theyre in. Or the one-size-fits-all kind dispensedevery month by the popular financial magazines.

Advice like that is the last thing you need right now.

In fact, the best advice I can give you is to forgetalmost every piece of financial advice you ever received.

Why? Simply because most of the old saws weve heardall these years just dont work. If they did, everybody

would be rich.

Worse, most financial advice actually gets in the wayof achieving real wealth.

In fact, by following the conventional wisdom yourcould be walking away from the kind of retirement youve

worked so hard for. You could be literally throwing awaythousands of dollars every year.

But if youre willing to ignore what you think you knowand open up to some new ideas, I GUARANTEE that can show youhow to achieve ...no...surpass your financial goals.

I can help you add a million or two to your retirementfunds send your kids to the best collegesand gainadditional spendable wealth of one million dollars or more.

And if I cant...Ill write you a check for $500.

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Sound too good to be true? I would think so toounless Id seen it happen.

But maybe Im being too modest. The fact is Ivehelped make it happen.

My name is Justus Eapen and Ive helped hundreds of myclients save on taxessecure lifelong protection for theirfamilies and build wealth far beyond their greatestexpectations.

Its taken me a lifetime of working with investors tocreate a basis for my wealth building strategies. EverythingI learned as a stock broker, a financial planner and as a CPAhas gone into it.

What I do is help people create wealth. Honestly and

legally. There are no gimmicks..no smoke and mirrors. AndI wont ask you to do anything with your money I wouldntdo with mine.

I help create wealth by developing a macro-economicmodel specific to the client. Now, for some people, thatsa little too academic sounding to be taken seriously inreal world. So I call it a personal wealth-buildingstrategy.

What can your own personal wealth-building strategy dofor you? Let me tell you just a few of the things it will

help you do

1.Accumulate additional wealth and reduce more ofyour taxes.

2. Set up a savings plan that will providesignificant additional wealth for you atretirement. Tax free.

3. Reduce or even eliminate the estate taxwith IRSapproval.

4. Insure that all of your children will be able to goto the best schools they can get into.

5. Retire 5 to 7 years earlier than you would have ifwe never met.

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6.Avoid donating several thousand dollars to theIRS again this yearmoney you could donate to yourfavorite charity. Or to yourself to enjoy some ofthe finer things in life.

7.Participate in the upside of the stock marketwithout the risk of the downside. With both yourprinciple and interest guaranteed.

8. Pay no taxes on the growth of your money untilyou actually use it.

9.Avoid the mistake nine out of ten people make thatwill slam your family with an 80% tax bill.

10.Set up a plan that will provide a steady stream

of income at retirement. With NO governmentlimits on how much you can contribute.

And thats just a few of the things I can help you with.

In fact Im so sure that I can help you reach andexceed your financial goals that Ill pay you for every

minute of your time if you feel Ive wasted it.

Thats right. At the end of our first meeting, Illwrite you a check for $500 on the spotmade out to you oryour favorite charity if you feel Ive wasted your time.

Speaking of your time, let me start by giving yousomething just for taking a little of it to read thisletter. I promise to show you at least five ideas that willput more money in your pocket if youll spend the next tenor so minutes reading this.

Now, lets get back to the bad advice I mentionedearlier. Here are two examples of what I call bad advicethat hurts good money.

BAD ADVICE EXAMPLE #1: SAVE SAFELY WITH A BANK CD

All your life youve heard about the miracle ofcompounding. Truth is compounding isnt a miracle atall. In many cases, counting on it can cost you serious

money over the long haul.

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Suppose you deposit $50,00 into a certificate ofdeposit at your bank. The bank tells you the CD is insuredand that it will pay 6% interest for as long as the moneystays in the account.

$50, 000 @ 6% for 30 years = $287,175

Looks good, right? Lets take a closer look.

Original principle cost: $50,000Income tax in 40% marginal tax bracket: 71,153Inflation cost over 30 years: 168,863

Add up the costs and youll see what it really took toearn that $287,175. A staggering $290,016.

You would have actually lost money with your safe CD.

And while banks preach saving and accumulation, theydont really practice it themselves.

(Of course, you could use the same principle banks useto create wealth. Ill get to that in a few minutes.)

There are other problems with compounding that nobodyever told you about. But lets move on.

BAD ADVICE EXAMPLE #2: MUTUAL FUNDS ARE A SURE THING.

Lets say that 30 years ago, you invested $10,000 in ahypothetical mutual fund. And that fund averaged a 10%annual growth rate from then till now.

Your $10,000 would now be worth $174,494. And themutual fund company would have a nifty mountain chart intheir ads touting this accomplishment.

But not so fast. That isnt the whole story.

Unless your mutual fund was part of your IRA or other

tax-protected plan, you would have paid income tax on thereinvested dividends and realized capital gains each year.

So if youre in the 31% tax bracket and 20% bracketfor capital gains, you would have handed Uncle Same around$30,267 over the 30 years.

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Still, youre ahead, right? Not really. Thepotential earnings you would have lost because of taxes

would be another $34,291.

And then theres inflation to consider: 3% inflationeach year would reduce the accounts value in terms ofpurchasing power by $102,605.

There are other costs that could be added to ourscenarionot the least of which is the fact that a mutualfund can lose money. A few years like the last two wouldhave put you even further behind. But these numbers are badenough:

Original cost: $10,000Taxes paid: 30,267Lost earnings 34,291

Inflation costs 102,605Total cost: $177,163

As you can see, the account value grew to $174,494.But the cost to grow it was $177,163.

Does that mean you should never invest in a mutualfund or buy stocks or bonds? No, thats not what Im sayingat all. But you need a strategy that gives you real

wealthnot just numbers that look good on a piece of paper.

I could go on with hundreds of examples where the

conventional wisdom leads to conventional loss. Such as

Why term insurance might be a huge mistake.

How waiting until your 70-1/2 to take money out ofyour retirement plan could be the most costly mistake youllever make.

And why paying off your mortgage early isnt always agood idea.

But I only asked for ten minutes.

I want to use this time to share with you the secretof building wealth. Which really isnt a secret at all.

Its simply having a strategy for your financial

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success. And avoiding the simple mistakes that get in theway of wealth.

What are these mistakes? I promised to give you someand here they are:

You have policies on your car, your boatand your house with the same insurancecompany. But youre not getting a multi-policy discount.

You arent getting multi-car, accident-free,ABS or anti-theft discounts on your autoinsurance, either.

Your insurance policy doesnt guaranteereplacement cost protection.

You dont have at least two back upbeneficiaries.

You own all the insurance on your life.

You jointly own securities with someoneother than your spouse and only your SSANis on the 1099.

You sold mutual funds and didnt includereinvestment dividend and/or capital gains

in your basis. (If you dont, youll bepaying taxes twice.)

Youre paying a years taxes on incomeearned from a bond you bought mid-year.

You dont take advantage of foreign taxcredits if you own stock in an overseascorporation. (Not doing this is likethrowing money out the window.)

You wait until April 15 to make your IRAor Keogh contributions. (The earlier inthe year you make them, the longer youllhave to enjoy the benefits of tax deferral.

You continue to pay private mortgage

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insurance.(If youve paid off at least

20% of your mortgage, you dont have to.)

You try to time the market. (Fidelity cantand neither can you.)

You go into investments you dont take time tounderstand. (So did Orange County.)

There are lots more. But dont feel bad if youvemade mistakes like these. Almost everyone makes themnomatter how intelligent they are. Look at Long-Term CapitalManagement. Those people were Nobel Laureates and they

made some beauties.

If we decide to work together, Ill help you root out

all of these mistakes until there isnt a penny of yourmoney wasted that you dont want to waste.

Because as Ive said time and time again, a key tacticin creating wealth is to hold on to as much of it aslegally possible.

For example, its been reported that billionaire H.Ross Perot paid a meager 8% in taxes on his income and thuskept 92 cents out of every dollar he earned.

On the other hand, most of us give up 33 to 53 cents

in taxes out of every dollar we earn. And we think wevedone well when we get a refund--while all weve done islend the government money interest free and demonstrate ourlack of tax planning ability.

Ill help you fix all that. But I want to be sure youunderstand that the strategy I create for you will be abouta lot more than just avoiding mistakes and holding on toyour money.

You see, the way to real wealth isnt living on peanut

butter sandwiches and getting your suits from the SalvationArmy.

In other words, Im not going to tell you to live likea miser in order to be end up rich.

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What Ill do is to show you how not just to save andmake money but to create wealth. And create it the sameway banks do.

Remember a few pages back, I said that banks dontpractice saving and accumulating themselves? Lets look athow banks really make money.

They make money by lending it. The amount banks canlend is directly affected by requirements set by theFederal Reserve. Which is currently 3 to 10 percent of thebanks total assets. That amount is held either as cash onhand at the bank or in its reserve account with the Fed.

So when a bank gets a $100 deposit it can lend $90 ofit. (Remember, the bank has to keep a percentage of it inreserve. Lets assume its 10%.)

That $90 goes back into the economy, to purchase goodsand services, and usually ends up deposited in anotherbank.

The other bank can then lend $81 of the $90 and that$81 goes into the economy. Ultimately it is deposited intoanother bank that proceeds to lend a percentage of it. Andso on and so on.

Banks use the same dollar up to 30 times. In thisway, money grows at a far greater rate than you might

expect.

Could you use this same multiplier effect toincrease your wealth? Absolutely! If banks can create

wealth, so can you.

In fact, being able to use the same money formultiple purposes is why I dont need for you to come upwith extra money to create substantial wealth.

The money multiplier will be an important part of the

strategy I create for you. But just one of the parts.

Lets say you want to find out if I can really helpyou or if Im full of beans. Well, well start with you

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completing a financial and personal questionnaire.

This questionnaire is so detailed and so thorough,that youll probably call to ask me if I really need toknow all that.

And Ill tell you that I do. It will help me putyour entire economy on a single piece of paper.

Then, well sit down and Ill show you all thefinancial leakage thats keeping you from building wealth.

Finally, well look at all the alternatives andoptions open to you as ways to increase your wealth.

I say we because its not just me helping you withyour personal wealth-building strategy. I bring a team to

the tablelawyers, CPAs, Financial Planners, Actuaries andother professionals.

Ill put at least four members of the team to work onyour strategy and by the time were done theyll be totallyfamiliar with your situation. So if I should suddenly dropdead, it wouldnt affect your plan.

Of course, youll be free to bring in your own teamof professionals. Bring your stockbroker, financialplanner or whatever. The more checks and balances thebetter.

Youll find that with the strategy we create for youthat you are in complete control of your money at alltimes. Were the navigators, helping you get where you wantto do. But you choose the destination.

That means youll do all the calculations andvalidations for your personal strategy. Its not hard atall. And Ill show you how.

Ill set down your personal wealth-building strategy

in writing, so theres never any guesswork as to what todo.

(Of course, Im always available to you. But afterawhile, youll find you can get by with me just checkingin with you from time to time.)

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The strategies my team and I create for clients workno matter what. Under all kinds of economic conditions.

Even if the client becomes disable or dies, the plangoes right on working.

And theres absolutely no additional risk involve withour plan. Instead your risk exposure is actually reduced.

By now, youre probably saying to yourself, this allsounds good. But it must be terribly expensive.

Well, thats the best part. It isnt.

Our compensation structure will be disclosed fullyduring our first meeting.

I can tell you that most clients find it fair andreasonable.

Whats more, we dont steer you into expensiveproducts to make money that way.

(I gave up my brokerage license years ago just sothered be no hint of conflict of interest.)

If you do need a stock, a bond, a mutual fund, aninsurance policy or some other financial product as part ofyour strategy, Ill point you in the direction of the best

low-cost provider.

Frankly, not everyone qualifies for our services.There are some people I just cant help, and if youre oneI wont waste your time.

And to be perfectly honest, Im very selective aboutthe clients I take on.

I prefer to work with a smaller group of clients anddo an outstanding job for each one. And Ive made enough

money over the years from following my own personalwealth-building strategy to be able to do exactly that.

(Actually, Ive made enough to have retired severalyears ago. But I dont believe Id find retirement nearlyas interesting as helping people build their wealth.)

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So lets find out if my way to wealth is right foryou. Just call 888-XXX-XXXX, extension 908 and leave yourname and address. Or, if you prefer, just return theenclosed card.

Either way you choose to respond, Ill send you theconfidential financial questionnaire I mentioned to help medetermine if you qualify. (If you dont qualify at thistime, Ill tell you the steps you need to take to do so.)

And remember, if youre qualified and we decide tomeet, Im so confident that youll find the meeting to betime profitably invested that Ill write you a check for$500 on the spot, payable to you or your favorite charity,if you feel your time has been wasted.

But I urge you to call me or send the card today.

You see, Im organizing my schedule for the coming sixmonths.

Unless I hear from you right away, I may not be ableto take you as a client, no matter how qualified you are.

To give you a little more incentive to contact mebefore my schedule fills up, Ill send you a copy of mybook, Asset Protection and Wealth Preservation: Defeatingthe Forces That May Take Your Money absolutely free if youcall 888-XXX-XXX, or send the card within the next tendays.

So call me at 888-000-0000 or send in the card rightnow before you get busy and it slips your mind.

Thank you for your time. I look forward to hearingfrom you...and helping you build your wealth.

Sincerely,

Justus Eapen

Financial Advocate

P.S. One last thing. Throughout this letter, Ive triedto avoid making huge claims that might sound unbelievable

because I didnt want to come across like a snake oil

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salesman.

And maybe Ive been too conservative as to what I cando to help you grow your wealth. But when we sit down and Ishow you just how wealthy you can bewithout coming up withextra money or taking more riskyoull see for yourselfthat the unbelievable is totally obtainable.

Theres no risk whatsoever. Ill even give you $500 ifyou feel Ive wasted your time. So call 888-000-0000 orsend in that card now so I can send you my free book. Letsget started building your wealth.

12 page letter

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