The vast majority of senior Americans––including most of those who consider themselves investment savvy––are extraordinarily ill-informed when it comes to growing and protecting a retirement nest egg. Staying in the dark is costly. Literally hundreds of thousands or even millions of dollars will be lost by individuals with good intentions who just lacked good information.

To determine which camp you fall in––informed or ignorant––read the six statements below:

1. I am paying someone to manage and/or invest my money for me.

2. I am participating in an investment vehicle which does not permanently lock in my gains.

3. I am participating in an investment vehicle that does not guarantee me 100% downside protection (where my investments cannot lose money).

4. I am participating in an investment vehicle which charges me management fees.

5. I am participating in an investment vehicle that does not guarantee me by contract a generous lifetime income that will continue even if my account drains to $0.

6. I am contributing to my employer 401k more than what my company matches.

If two or more of the statements above reflect your current investment strategy, reading the rest of this post could mean the difference between a comfortable and care-free retirement and burning through your nest egg before you’re 75.

The table below shows the three primary options available to and being utilized by Americans to build and protect their retirement nest egg.  Review the table and determine which vehicle offers Americans the best opportunity to grow wealth and retire financially free.

Your answer is obviously Option 3. I agree––and so would anyone with an IQ above 80.

But for some reason, the majority of Americans (hint: you’re probably one of them) are utilizing Options 1 or 2 as the means to grow their nest egg. Why? Two reasons:

1. Most Americans are not aware that Option 3 even exists. For his book, Money, Master the Game, Tony Robbins asked Warren Buffett why so many of us don’t know what’s out there. Buffett answered, “That’s simple…marketing.”

2. There is a trillion-dollar investment industry that spends hundreds of millions of dollars annually sponsoring web pages, magazine articles, books, and radio programs that broadcast misinformation daily about your investment options––especially Option 3.

3. Human beings are predisposed to choosing unhappiness over uncertainty. People will make the illogical choice to remain in a disadvantageous relationship rather than face the uncertainty a breakup might bring. Thus, even though Option 3 is the obvious best choice, we are predisposed to stick with the familiar less-favorable Options 1 and 2 rather than switch to something we know is better but with which we are inexperienced.

The investment industry is committed to keeping Americans in the dark and misinformed about Option 3. They don’t want to lose the trillions of dollars they’re presently duping Americans of annually. As former Senator Peter Fitzgerald put it, “The mutual fund industry is now the world’s largest skimming operation, a $7 trillion-dollar trough from which fund managers, brokers, and insiders are steadily siphoning off an excessive slice of the nation’s household, college, and retirement savings.” Senator Fitzgerald was a cosponsor of the Mutual Fund Reform Act of 2004 which would have exposed the investment industry’s ugly underbelly, but of course, you’ve never heard of that bill because it was killed in the Senate Banking Committee. You’ll note that the good Senator is no longer a Senator–no doubt a consequence of taking on an industry as powerful as the American investment industry.

You owe it to yourself and those who depend on you financially to learn about Option 3. Doing so is easy. Get in contact with us at and we’ll be happy to educate you about all the choices you have when it comes to building and protecting your retirement nest egg. And we will never charge you a dime for our services.

What do you have to lose? Other than the hundreds of thousands or millions of dollars that continuing with Options 1 or 2 will cost you, of course.