Sa f e g u a r d yo u r retirement with real estate.

Did you know that nearly half of Americans aren’t saving a dime for retirement? According to a recent survey conducted by financial services trade association LIMRA, about 49% of Americans say they aren’t contributing to any retirement plan. This trend is disturbing, especially considering that millions of Americans are relying on Social Security and other government programs to provide retirement income. The reality is that these programs just won’t be able to provide the retirement you deserve. Additionally, many people who are saving for retirement are unfamiliar with individual retirement accounts (IRAs) and how they work. In fact, nearly half of the questions posed about IRAs in the LIMRA survey were answered incorrectly. But a lack of understanding shouldn’t prevent anyone from preparing for his or her future.

An IRA is simply an investment account that’s protected from most taxes and liability. Of those investing through an IRA, the vast majority does so through a bank, credit union, savings and loan, or other IRS-approved institution that invests it in stocks, bonds, and mutual funds. But the IRS also allows you to use an IRA to invest in real estate. It’s called a Self-Directed IRA.

Investing in real estate, by comparison, can give you much greater returns. The graph below compares the return on investment (ROI) for the stock market with the ROI (cash-on-cash return) for real estate from 2000-2011:

The reason for this boost in returns is simple: cash flow. Cash flow—in the form of rent—keeps the money coming in vafter all expenses have been paid.

In addition to a greater return, real estate has offered less volatility than the stock market over the last 40+ years, even though stocks are often considered a more conservative investment vehicle. A look at real estate appreciation rates over the last 40+ years shows that there have only been 4 years of negative appreciation. The lowest was -13% in 2008.

49%of Americans arenot contributing to any retirement plan.

© 2012 Charfen Institute. All Rights Reserved.

Return On Investment: Stock Market vs. Real Estate 2000-2011

$200,000

$150,000

$50,000

$0

Real Estate

Stock Market

Stock Market

$76,200Negative 23.8%

Real Estate

$201,815Positive 101.8%

Initial$100,000

Investment

This graph depicts the difference in return on investment between the S&P 500 and real estate from 2000-2011 (Aug.)

© 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.

By comparison, the S&P 500 has had a total of 11 years of negative appreciation with a drop of nearly 40% in 2008.

So how can you start leveraging your retirement savings with real estate? The first step (whether the funds are in a 401(k) or a traditional IRA) is to roll them into a self-directed IRA. There’s no penalty for doing this and, as its name implies, a self-directed IRA (SD IRA) allows you to direct the investment activity of your retirement funds. Unfortunately, self-directed IRAs are even less understood than traditional IRAs. Financial institutions are often reluctant to communicate the SD IRA option to investors because it’s less profitable for them to manage and fewer institutions are proficient at handling it.

But don’t let this stop you from securing your retirement. Using a SD IRA to invest in real estate gives you the choice of how to invest for your retirement, not a financial institution with little to lose if the investment doesn’t pan out. Relying on Social Security and other government programs when our working years are done is simply not enough. There’s a much better way. Investing in real estate the right way can provide immediate cash flow and build wealth in the long term, so you don’t just retire well—you can retire wealthy!

If you’re interested in giving your retirement a boost and diversifying your investments, I can help find you favorable properties and point you in the right direction. I have specialized training that includes investing in real estate for retirement and can show you why it’s a popular strategy of experienced investors. It’s much simpler than most people think.

I can tell you more about the process and refer you to the financial professionals on my team who can help you start building your retirement wealth. This method is certainly more proactive and lucrative than leaving your retirement funds in the hands of a financial institution and simply hoping for the best.

© 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.

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© 2012 Charfen Institute. All Rights Reserved.

Residential Real Estate Appreciation Rates 1969-2011

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© 2012 Charfen Institute. All Rights Reserved.

S&P Appreciation Rates 1969-2011

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-40%-35%-30%-25%-20%-15%-10%

-5%0%5%

10%15%20%25%30%35%

Investing in real estate the right way can provide immediate cash flow and build wealth in the long term, so you don’t just retire well—you can retire wealthy!

START SECURING YOUR RETIREMENT!As a Certified Investor Agent Specialist (CIAS) designated agent, I can easily help you navigate the investment real estate market and Unlock a World of Real Estate Wealth! I’ve built a team of incredible real estate professionals that can help you before, during, and after your acquisitions to help you minimize risk and maximize your returns.

Don’t get caught with low or no retirement funds! Start planning for your future now! It’s more possible than you think. Take advantage of the record-low home prices and fixed mortgage rates—act today!

Visit my website for pre-analyzed investment deals, helpful articles, and videos that address some of the common issues listed in this report.

Call me today, and secure your future!

© 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.