Mark D. Goldstein, CFP®
Certified Financial Planner
SAFE-Money Alliance

Pueblo Plaza Executive Suites
1100 S. Main, Suite 10
Las Cruces, NM 88005
(575) 556-2472

Intelligent Office Complex
7362 Remcon Circle
El Paso, TX 79912
(847) 778-7986

Advisors Circle
3701 Algonquin, Suite 150
Rolling Meadows, IL 60008
(877) 442-0698 Toll-Free

"Guaranteed SAFE-Money Solutions for a Successful Retirement!"

Unless you’re already a client, my concept of investing without risk may be a bit different than yours.

My definition of investing without risk means that a significant amount of money is positioned in wealth-building tools that cannot go backwards if the stock market crashes.

My definition includes having some of your money in a retirement tool that will pay you a guaranteed minimum rate-of-return coupled with guaranteed inflation protected income you can never outlive.

It seems pretty simple, but that definition is dramatically different than how most of the financial services industry deals with risk. In fact, the term “without risk” is not a term that’s typically used in the financial services industry.

Here are a few of the traditional ways people try to manage, minimize or eliminate portfolio risk…

1. Certificates of deposit (CDs) and money market accounts. 
Other than a banking collapse, money in CDs and money market accounts is risk-free. Unfortunately, the current yields remain pathetically low and, adding insult to injury, count as taxable income every year. Heck, you’re lucky to keep up with inflation (that’s the real risk).

2. Real estate (rental or appreciating). 
Real estate, over time, is usually not a bad investment. Historically, when the stock market crashes, there’s not an immediate negative effect on real estate. However, as we’ve all seen, real estate values can plummet. And there’s no guaranteed income.

3. Bonds. 
Bonds have proven over time to be a conservative wealth-building tool. However, bond returns and income is NOT guaranteed, and the long-term returns of the average bond investor have not been very impressive.

4. Stocks and mutual funds. 
It feels kind of weird to include this on a list of “risk-free” investment tools, but millions of Americans are directed to buy a “proper mix” of stocks and mutual funds in order to create and maintain their retirement nest eggs. Unfortunately, those who had their savings in stocks and mutual funds during a stretch of time between 2007 and 2009... lost around 60% of their value!

So let me restate: My strategy of investing and winning without risk calls for a significant amount of money positioned in wealth-building tools that will not go backwards if the stock market crashes... a
nd will pay you a guaranteed rate-of-return coupled with an inflation protected guaranteed income you can never outlive. And NO hidden fees!

Those benefits meet my definition of “investing without risk”.


P.S. Is a CRASH coming? I’m reading more and more articles from mainstream analysts and economists (not the lunatic fringes) declaring that a major economic catastrophe is almost upon us. It will seemingly appear out of nowhere and occur within the next couple years. Folks, this is coming from conservative economists and professional money managers who believe that the market could turn on a dime as early as this year.

Our trading partners, China and Japan, are in trouble and have their own bubbles to deal with. Not only does Europe have insolvent banks, they already have insolvent countries.

Our college graduates are more than $1.5 Trillion dollars in debt. Many may never recover.

And, of course, we have 78 million baby-boomers retiring. Many are financially unprepared.

Reality check: These problems cannot be solved by government!

They can only be solved by out-of-the-box thinking financial professionals who have access to
 the greatest products we've ever had… and the ability to change the course of history.