This is a Sample of a Research Report valued at over $80,000 containing millions of dollars worth of research data that shows why approx 95% of retirement plans FAIL. The full version is also available at no cost. Anyone who wants to retire MUST see this valuable information. You will learn how much is needed to retire, see historic investment returns, why most plans are losing 44% they don't know about, how inflation devastates most plans, where 90% of millionaires made their money and most importantly discover a safe and affordable alternative Enjoy and more importantly plan wisely for your future!

1. ARE RETIREMENT
PLANS A WASTE
OF MONEY?
Discover the 5 most
dangerous retirement
plan myths that will
cause your retirement
plan to FAIL

2. 95% OF RETIREMENT PLANS ARE FAILING
Of the 77 million individuals planning to
retire in the next 10 to 15 years, 95
percent are hurtling toward failure
Only 5 percent will enjoy the luxuries of
a successful retirement
After a lifetime of hard work, 95 percent
of Americans will retire broke because
they believed in retirement plans that
have been failing Americans for
many years
Source: Ezinearticles 95% of Retirees Retire Into Poverty! Author: Bill Young former bank mortgage officer and licensed financial consultant
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3. PUTTING INFLATION INTO PERSPECTIVE
Prices in 1957 Today’s Prices
Tuition at Harvard $800 $31,665
A gallon of gas $.23 $2.24
A pound of coffee $.69 $3.14
A gallon of milk $.97 $3.20
A dozen eggs $.45 $1.26
A pound of sugar $.11 $.51
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4. COSTS CONTINUE TO SOAR
$450,000
Health Care Costs $395,000
Health-care costs are $400,000
climbing, a 65-year old $350,000
couple now needs
$300,000
$225,000 to cover health-
care costs vs. nearly $250,000 $225,000
$400,000 in 2018 if costs $200,000
continue to rise at 5.8%
$150,000
per year
$100,000
$50,000
$0
2008 2018
Source: pbs.org/frontline, BusinessWeek July 2008, author Tara Kalwarski
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5. FEES HAVE SKYROCKETED
An investor with $200,000 in retirement
funds averaging the S&P500 Index over
the past 7 ½ years has seen an average
return of just 2.07% while experiencing a
44.73% draw down aka loss…meaning the
$200,000 was dropping instead of
climbing!
Draw downs are typically defined as
broker fees, penalties and taxes
Who is really profiting with your hard
earned money?
Source: Diversify your IRA, 401K, Trust or other Tax Deferred Plan, Attain 7/16/07
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6. SOCIAL SECURITY - BUSTED
Social security pays out an
average of $503 per month
Living on social security would
be comparable to living in jail
The only thing you can afford is
3 meals a day
Source: Social Security Administration 2009 http://www.ssa.gov/policy/docs/quickfacts/stat_snapshot/
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7. BANKRUPTCIES ARE DEVASTATING RETIREES
Americans 55 and older had the
sharpest increase in bankruptcies in
2008 more than any other age group
They accounted for a full 1/4 of all
filings in 2008
Already nearly 2/3 of Americans are
financially forced to go back to work
during retirement
The next generation will be dealing
with social insecurity problems
Source: Those golden years have lost their glow, Los Angeles Times, September 2008
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8. STOCK MARKET INVESTMENTS - BUSTED
There have been 9 bear markets in
the last 50 years
2007-2009 56%
• On average every 5.5 years
• 3 dropped more than 40% 2001-2002 52%
• From an all-time high in
October 2007, the market
1987-1988 33%
dropped more than 56%
Some say the stock market is more
1969-1970 33%
volatile than any other time in the
history of our nation
SOURCE: BTN RESEARCH, “ BEHIND THE NUMBERS,” MARCH 9 2009, NYTIMES, S. STOLBERG, FEB 18 2009
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9. IS THE STRESS WORTH IT?
• Making or losing money has a dramatic physical
effect on the body and brain
• When individuals are making money in
investments their brain activity is
indistinguishable from a cocaine high
• When stocks go up twice in a row, their brain
automatically expects it to continue
• When stocks goes down unexpectedly, panic
sets in
• Financial losses are processed in the same areas
of the brain that respond to mortal danger
Source: ZWEIG, J. YOUR MONEY AND YOUR BRAIN, SIMON & SCHUSTER, 2007
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10. EVEN IN THE BEST OF TIMES THE STOCK MARKET
FAILS TO PRODUCE ENOUGH FOR RETIREMENT
Even if the stock market
rebounds over the next 30
years, Americans will be
struggling to recover their
devastating losses instead of
growing their investments
And what evidence exists
that there will not be future
bear markets?
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11. EVEN IN THE BEST OF TIMES, TRADITIONAL REAL
ESTATE FAILS TO PRODUCE ENOUGH FOR RETIREMENT
Short Sales & Foreclosures are likely to
establish the new reduced
“Fair market value”
Many Americans will fall short of their
retirement dreams as they purchase
“Fair Market Values” hoping to hold,
flip or rent and get rich “overnight” or
“when the housing market bounces
back”
After large down payments, vacancies,
evictions, low average growth rate of
5-6%, traditional real estate is a part
time job typically with less profit
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12. SMALL SACRIFICES CAN HELP CREATE A
SUCCESSFUL RETIREMENT
For example, “Consumer Reports” featured an article
entitled “Cut your spending by $500 per month”
A couple easily implemented six of the recommended
ways and came up with a $500 savings…
• Found cheaper auto insurance – saved $65/month
• Optimized life insurance – saved $110/month
• Cut back on telecommunication features – saved $35/month
• Stopped paying bank fees – saved $25/month
• Paid down credit cards – saved $65/month
• Shopped wisely for food – saved $200/month
Don’t forget the $150 savings per month in Starbucks, McDonalds,
Hollywood Video, etc.
Source: Jazzychad.com Blog, My code is compiling July 20, 2008
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13. There are investment
strategies for individuals
who…
• want a secure retirement
• are financially conservative
• understand that “get rich
quick” generally doesn’t exist
• are able to look at the long-
term picture
• want safe but productive
investments
• analyze risks and make
sound choices
• understand if they do nothing,
they will have nothing

14. RETIREMENT REALITY 101….
Remember, the average retired
American currently needs
$500,000 - $1M
With the average rate of
inflation (5.1% per year over
the past 40 years), in the next
30 years $2,301,614 –
$4,603,228 will be required for
a successful retirement
This will not be considered
extravagant living
Source: Calculations provided by HML Funding ,LLC, May 2009
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15. REALITY #1 – 401(K) ANALYSIS
An investor with a 401(k) holding the
S&P 500 Index over the past 7 1/2 years
has seen an average return of 2.07%
If you invested $140 a month into a
401(k) with the company matching your
contribution, at the end of 30 years
your total value of investment would
only amount to only $139,560
Source: Diversify your IRA, 401K, Trust or other Tax Deferred Plan, Attain 7/16/07
Source: Calculations provided by HML Funding ,LLC, May 2009
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16. SO WHY NOT STOCKPILE GOLD?
According to Global Financial Data,
dating back to 1933 gold has
generated an average annual
return of 4.7%
If you invested $400 a month into
gold, at the end of 30 years your
total value of investment would
amount to only $315,032
Source: Gold glitters, but it's a bust as an investment, USA Today, 9/5/07
Source: Calculations provided by HML Funding ,LLC, May 2009
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17. TRADITIONAL INVESTMENTS LACK LEVERAGE
LEVERAGE
Without leverage, the average budget and
the average amount contributed toward
retirement has no chance to create
enough wealth for retirement
Leverage can recover portfolio losses in
new value, instantly double your portfolio
and make you cash liquid.
Creating wealth by using other people’s
money and resources is one of the oldest
and wisest traditions
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18. UNDERSTANDING LEVERAGED RETURNS
7000
6000
5000
4000
Annual Investment of
3000 $5,000
2000
1000 Dollar for Dollar
Annual Growth Return
0
Non-Leveraged Leveraged Investment:
Investment: Stocks, $60,000 Value
Gold, etc. $5,000 Value
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19. LEVERAGED VS NON-LEVERAGED PORTFOLIO
100000
90000
80000
70000
60000
50000
40000 Portfolio Value
30000
20000 Cash Reserves
10000 (approx)
0
Non-leveraged position Leveraged position:
in Stocks, Gold, etc: $30,000+- cash reserves
No cash reserves. / triple the portfolio
value+- (inc. cash)
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20. THE BOTTOM LINE WITH LEVERAGE
$1,200,000
$1,000,000
$800,000
Growth After 30 years,
$600,000 using historic annual
growth averages and a
$400/mo contribution
$400,000 ($140/mo for 401K).
$200,000
$0
Leveraged
Stocks Gold 401K
Position
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21. LET’S RECAP…
1. Not enough money is being contributed
to successfully retire
2. 95% of all retirement plans fail because
they lack leverage and adequate returns
3. Inflation affects the future value of
retirement savings
4. Traditional real estate and other
investments produce insufficient returns
and require large amounts of time and
money and induce stress
5. However, individuals have the ability
to prioritize and can retire
successfully on a small budget
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22. A SMALL BUDGET CAN CREATE
A LIFETIME OF SECURITY
We are the investment safe haven,
we can help you…
• Eliminate the risk of losing your investment!
• Add hundreds of thousands+- to your retirement
• Instantly double your portfolio and convert
investments to cash reserves using leverage!
• Earn 120%+- dollar for dollar average annual
growth return using leverage
• Grow nearly 2 times faster and create far more
cash flow then traditional real!
• Gain 30%+- annually by growing TAX FREE
• Grow a portfolio at an average of 10%+- annually
• Gain up to 44% by eliminating drawdown
• Discover a new 10% Match Program

23. ALBERT EINSTEIN SAID….
INSANITY: DOING THE
SAME THING OVER AND
OVER AGAIN AND
EXPECTING
DIFFERENT RESULTS

24. PROCRASTINATION CAN BE
YOUR WORST ENEMY
According to a Yale University study,
people forget 90% of the new information
they learn in only 7 days:
-40% in 20 minutes
-30% in 24 hours
-20% in 7 days
Today is the time to plan for tomorrow,
while you realize you are at risk of retiring
broke or in poverty, before it’s too late,
before the opportunity is lost...
24

25. CALL NOW TO SEE
THE FULL RESEARCH
STUDY TO AVOID
HIDDEN INVESTMENT
DANGERS YOU MUST
KNOW ABOUT TO
Sponsored by:
BECOME PART OF THE
5% THAT WILL RETIRE
SUCCESSFULLY
Northern & Southern Utah Offices.
In home orientations available.
1-877-789-GROW