Let me help you feel more secure about your future

Vito J. Farella, Ed.S. M.Div.

Education Specialist

954-815-8227

vitofarella@gmail.com

Dear Friend ,

Let me ask you two questions:

1. If you were to DOUBLE the investment money in your IRAs or 401Ks, etc. would your lifestyle change significantly?

Would you leave your town and move somewhere else? Would you shop at different stores? Would you get new friends? Would you go to a different church, temple or house of worship? Would you leave the organizations and clubs that you now belong to and join a new social set?

2. If you were to LOSE HALF of all your money in your IRAs or 401Ks, etc, would your lifestyle change significantly?

Could you afford to stay in your present home? Could you afford the medicines that you are now taking? How about birthday gifts for the children and the grandchildren? Could you afford to take that special vacation? How about the legacy you were intending to leave to your children? WOULD YOU BE ABLE TO SLEEP AT NIGHT?

How well have you been sleeping these past few months? The often forgotten truth that whatever goes up, must come down came home to roost. Home values have taken a dramatic downward turn and the ability to use home equity loans  to finance  a lifestyle or to count on the increased equity in our homes to provide money for retirement living  is now a questionable strategy at best. The worlds financial markets are troubled and are increasingly more troublesome. The Dow Jones has lost 45% of its value twice in the past decade in a roller coaster ride of ups and downs. It takes courage to open your retirement account  statements when they arrive at your doorstep. Budget negotiations and S & P downgrades of credit risk worthiness rock world markets and the stability of what we rely upon for a stable financial future for ourselves and our families. The stock market looks more and more like a sink hole rather than a haven for wealth accumulation. Risk is everywhere. It is a return to the age-old truism that in all things Gravity Rules.

NOW is the time to do something. Even during the heady times of great investment returns and unbridled optimism, Business Week magazine published an article on how to Bear Proof yourself against wild swings in the marketplace. They strongly recommended going into the much more stable and rewarding area of Equity Indexed Annuities  to protect a portion of your assets. It is possible in a fixed return environment to lock in percentages of gains in indexes such as the S&P, the Dow Jones, and Nasdaq and to eliminate any losses. These conservative investments even give bonuses on new money placed within them varying from 5% to 10%, depending on the company used. We do not recommend these investment vehicles for everyone, but they might make sense for you. Especially for those funds that you MUST have on hand. The funds that when you go to sleep at night you know will be there in the morning still in your portfolio. For those whom we recommend these investments to, we are suggesting taking a position appropriate to your risk aversion tendencies..

Finances are NOT the most important part of your lives. They just make all the other MORE IMPORTANT areas of your life possible.

Sincerely,

Vito Farella

Vito J. Farella, Ed.S. M.Div.