Says Higgins, “Investing in tax lien certificates is the only 100% guaranteed recession proof investment that I know of. Wealth Without Risk has created a proven method for investing in tax lien certificates that insures investors will receive a 16-22% return on their investment each and every time.

1. Saen Higgin - Welcome to the New World of Retirement
Retirement just isn’t what it used to be. Many of us baby-boomers expect to work up to at
least our 65th birthday, perhaps even longer. The number of people working to 65 and beyond
has steadily increased over the past 20 years from 11% in 1991 to 33% in 2010. For most, the
reason is simple… they need to rebuild their retirement savings that took a hit during the
recession.
“The flexibility offered by investment accounts such as your Roth IRA can be very appealing,”
offers investment expert, Saen Higgins. “IRA’s self directed or otherwise, are not limited to
extent that your typical employer-sponsored 401 (k) will be. In other words, you, the investor
are given more choices.” Most types of investments are permitted within an IRA including
stocks, bonds, mutual funds, annuities, and even real estate. “Your QRP (qualified retirement
plan) allows you to hold most any type of security as well, but you won’t face the same tax
penalties,” continues Higgins.
This is why Higgins Founded Wealth Without Risk where he teaches his students a recession
proof way of investing in their futures, that includes utilizing their QRP to invest in tax lien
certificates and tax lien deeds.
Says Higgins, “Investing in tax lien certificates is the only 100% guaranteed recession proof
investment that I know of. Wealth Without Risk has created a proven method for investing in
tax lien certificates that insures investors will receive a 16-22% return on their investment each
and every time. When you invest in property tax liens there is no reason why you need to
worry about the investment decisions you’ve made. Tax lien certificates are safe, recession
proof and can be accomplished on your home computer.”
Higgins warns that before opening any retirement account, including a QRP that you need to
know exactly which investments are allowed and those that are prohibited. For example, life
insurance. As a general rule, no type of life insurance can be housed in your account. This
includes whole life, universal, term and variable policies of any amount. Qualified plans contain
one exception to this rule. The incidental benefit rule mandates that a QRP can purchase a
small amount of life insurance for a plan participant. However, since the primary purpose of the

2. plan is to provide retirement benefits, the amount of the death benefit must qualify as
"incidental" compared to the plan balance.
Derivative contracts are prohibited inside virtually any kind of retirement plan. This includes all
futures and options. There are some exceptions on the traditional and Roth IRA’s, so you’ll
want to speak with your advisor before proceeding.
Antiques, collectibles and coins are not allowed (though the IRS makes a few exceptions with
the coins too, check with an expert if you have questions.)
Contrary to what most banks will tell you, it is possible to hold real estate directly inside a QRP.
However, the QRP owner cannot actually reside in a property held in a retirement plan. So
while you cannot purchase your own home with your retirement plan money, you can purchase
real estate for the sole purpose of investing. Again, it’s important to speak with an expert prior
to determining which type of a retirement account is right for you. You can call 800-882-0467
to speak with the investment experts at Wealth Without Risk.
Saen Higgins has more than 30 years of experience in the financial industry, which includes
working with investments, insurance, mortgages, taxes and financial planning. He has twenty
years of experience investing in tax lien certificates and has written many educational articles
for various financial websites as well as comprehensive training material for tax lien investing.
If you’d like to learn more about Saen Higgins and/or investing in tax lien certificates or tax lien
deeds, please visit http://www.higginsnow.com
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