GCM HELPING YOU FROM EVERY DIRECTION                    

WELCOME TO THE 15 "MONEY-GRABBERS" INTRO PAGE

You are about to embark upon a thoughtful journey, not to the end of the Earth, but to the end of mediocre uses of your money.  What you will ultimately discover will reduce your current and future income tax obligations, and if you happen to be a real estate enthusiast with lots of current write-offs, you will get bitten in the end unless you do something today to cover that huge tax liability in your estate, at the very least.

The Money-Grabbers will also help you make better use of current assets, both qualified (IRA, 401-k, etc.) and non-qualified (cash, deferred comp, CD's, bonds, mutual funds and brokerage accounts).  And there's more...

Here's an introduction to each one of the Money-Grabbers.  It's going to cost you a small price to get your complete 15-page set mailed to you, but if you should decide to become one of my happy clients as a result, I'll gladly refund your entire payment.  Fair enough?

M-G #1:   "And the Winner is..."  

This M-G will show you at a glance where a large portion of your stock market-related dollars should have been and should be now, starting all the way back at 1928 through 2004.   Compared to the Large Cap Growth category, which "everyone" thinks is the place to be, $1,000 invested in 1928 would have grown to $43,600,000 by 2004, as opposed to the LCG route which only grew to $859,000. 

M-G #2:  "For Your Conservative Money"  

BANK CD’S AND MONEY MARKET ACCOUNTS:  Do you know that your bank has not suffered the loss of a single penny during these recent years of falling interest rates?  That’s right.  The bank keeps the spread, the difference between what they pay you for your money and what they charge borrowers to make loans.

And today the banks’ profits are HUGE, percentage-wise.  If they pay you 1% for your money and then charge only 5% for a loan, that’s a 500% return on their investment.  Remember, they’re just using YOUR MONEY.  They get away with it because you’re willing to give up earnings in order to keep your principle.   The “spread” at some banks is as high as 11%!

THERE’S A BETTER WAY TO DO THIS.

M-G #3:  "Turnkey Investment Management"  

How are your investments doing?  Have you ever wished that someone would relieve you of all those decisions?  Do you take the time to know when to buy or sell and then act on that knowledge?  If you are like most busy professionals, you have little time for watching the markets to buy when you should be buying and to sell when you should be selling. 

Caplinger Asset Management Service does just that for individual clients.

M-G #4:  "Don't DROP it!"

This one is only for retired and retiring educators in Florida.  The DROP program has pretty much already happened for most participants, but they have some special needs to be addressed.

M-G #5:  "403(b) Accelerator"

If you refer back to the Money-Grabber Concept #1 75-year chart, you will remember that one basic stock category that has outperformed all other categories over the decades.  The chart below shows you an example of just one such mutual fund that has more than doubled the performance of the broad stock market index, the S&P500 Stock Index.  No-load funds like this one are available for your 403(b) account only through the facility of the Caplinger Asset Management Service.

M-G #6:  "Real Estate in Your IRA"

This money-grabber is for IRA money only.  But first, you need to know that your 403(b) money can be moved into an IRA right now, plus… dormant 401(k) money can move into an IRA, as well.

M-G #7:  "Retirement Account Coup"

Limit taxes due on your retirement accounts, increase your spendable retirement income dramatically and leave more to your heirs... tax-free.

M-G #8:  "The Extreme 403(b)"

If your 403(b) choices are typical, you have an array of “vendors” who offer you their limited menus of accounts for your retirement savings.  If you end up using Money-Grabber #7, you won’t be here at all, but for those who are (most), I want you to know about a very excellent way to engage this popular retirement account.

M-G #9:  "Mr. and Mrs. CD"

This couple has $250,000 in 5% CD’s in their local bank and brokerage accounts.  They think they’re really set because their money is safe, and even though the interest rates are low, they won’t need the money anyway, if things work out well.

However, this approach has three problems, not the least of which is that over a 20-year period, they will end up paying an extra $155,640 in unnecessary income tax due to their tax exposure.  They need to be "rescued" from such a disaster.

M-G #10:  "Basic Legal Planning"

Take John and Dianne. They met in college, became engaged and married in their home state of Florida shortly thereafter.  But tragedy struck before they gave any thought to any personal disasters. Coming home from work one evening, John's car was struck by a car careening down the road, out-of-control. He was killed instantly.

Being relatively young, John had two children by a former spouse, but it didn't occur to John and Dianne to worry about estate planning or asset protection yet. And the consequences to Dianne of this oversight compounded her loss and heartbreak. Though she felt sure John would have wanted her to inherit his property, she only received one-half of it.  Since he died without a will, under the intestacy laws of Florida, the rest of John’s money went to his two children by from his former marriage… in cash.   Of course, the children were pleased with that outcome. 

M-G #11:  "A Better Way"

The question:  Should a younger educator participate in a 403(b) or IRA?  The correct answer will double the expected income in retirement.

M-G #12:  "It's In the House"

If you have no home equity loan in effect, your equity is sitting there “in the house,” growing (or dropping) in value by whatever the appreciation (or depreciation) of your property is each year. From a savings and investment perspective, what could you do with the money?

M-G #13:  "Tax-free Strategies"

        ACCOUNT A:  Make withdrawals from principle only in this unique account and pay zero tax.  At $5,000 per year, it would take 20 years to exhaust the principle.  What happens then is determined by what the ongoing account balance grew to during those years.

        ACCOUNT B:  Create loans against this account balance.  Loans are never taxable, and in this account, would not have to be repaid.

        ACCOUNT C:  In this account, there would be capital gains and losses that affect your annual tax liability.  Otherwise, you may receive potentially permanent withdrawal    income from this account with no tax consequence whatsoever.

ANY OF THE ABOVE STRATEGIES ARE VERY HELPFUL IF YOU NOW RECEIVE INTEREST OR DIVIDENDS.

M-G #14:  "Trust Me"

This one is about trusts and how they help you in several important areas.  Attorney assistance is required.

M-G #15:  "Borrow to Prosper"

An important problem many businessmen face is failure to use their Account Receivables in a constructive way to turn them into a "performing asset" and one that is "protected from creditors."  Reasonable and compelling solutions await...

In brief form, those are the current Top 15 Money-Grabbers.  To receive your full set of all 15  documents, CLICK on the button: