Infinite Banking Concept – How to recapture, recycle and reuse your money.

Haley Barbour is speaking to the Southern Republican Leadership Conference


The Politicians Want Your Money

As recently as Jan 25, 2010 the Obama Administration proposed Mandatory Retirement Plans. This is the first step towards nationalization and the forced investment of your retirement benefits. Though you may have heard little about these mandatory plans, they will force you to invest in government controlled retirement accounts to support the treasury debt market. As reported in BusinessWeek, these plans will draw opposition.

Why should you be concerned about the Mandatory IRA? By taking control of your retirement plan assets, the government is in essence confiscating your hard earned savings! Your retirement savings could be used to fulfill U.S. Treasury obligations. Unless you believe that Washington Politicians can manage your assets better than you, then now is the time to take control and protect your assets.

While government was meant to protect our nation, think of them as a parasite that feeds off of the people. This is the best description that I can give to describe their thirst for our tax dollars. Like a blood sucking mosquito, they pierce the skin almost unnoticed and then drain the life from us to support themselves.

Cleverly disguised as plans to help Americans save, these forced retirement plans will cause havoc on business and thrust our country into a financial meltdown. From hyperinflation to tax increases to tyranny, the risks involved are HUGE!

This is not an attempt to scare you. It is a fair warning from a concerned citizen. My intentions are to create awareness and motivate you to take action towards taking control of your personal assets. As a financial consultant it is my job and responsibility. I fear the control of U.S. retirement plans will ultimately lead to the confiscation of trillions of dollars in privately held assets.

More Warnings

On January 8, 2010, CNBC’s Rick Santelli, blew the horn about the possible nationalization and forced investment into treasuries. Bloomberg reported that the proposed plan may not be able to support itself. And on January 26, 2010, Fox Business News reported that the National Small Business Association (NSBA) stated that they are “opposed to any mandates that create a new and significant burden on small business.”

As far back as 1981, Ron Paul warned that language had been inserted into the 1981 Economic Recovery Act, Section 314(b) that ruled “collectibles” as not in the “public interest” and therefore prohibited from future retirement plan investments.

Hypocrisy At Its Finest

When our government takes billions in taxpayer money to “bailout” financial institutions like Merrill Lynch and Bank of America, are you not the least bit suspicious? And, when these same institutions advertise that you should invest with them, though they are technically bankrupt, does something seem wrong? They pay themselves outrageous bonuses, yet your account balances have lost billions.

Now that health care reform has been placed on the back burner, Washington Politicians have now focused their attention on more economic stimulus plans supposedly to boost employment. When will Americans learn that government cannot create jobs? Any so-called job creation by the government is only at the expense of private business. The net result is a loss of jobs as workers are pulled from one industry to another and businesses are forced to close.

How Mandatory Retirement Plans Will Work

You will be forced into another scheme, similar to Social Security, consisting of what is now being called a Guaranteed Retirement Account/Annuity (GRA). These plans will be funded by a proposed 5% of your salary. Eventually your existing retirement funds will be pushed into the government program. All of the details will be worked out along the way.

Currently, over $15 Trillion is invested in qualified retirement plans. Retirement savings make up more than 35% of all private assets and Congress has their eyes on this money. When you retire, taxes must be paid on withdrawals from these accounts. Politicians would like nothing more than to have access to these accounts now.

Teresa Ghilarducci is the author of the “Agenda for Shared Prosperity”. She became the Director of the Schwartz Center for Economic Policy at the New School for Social Research. Her plan is to confiscate the assets of the wealthiest Americans and redistribute them through government plans.

As outlined in the proposal, the government will make a contribution into every citizen’s account of approximately $600 annually, covering the unemployed and underemployed. The 5% contribution by “successful” Americans will go into a “guaranteed account” managed by the government, the same people managing Social Security.

The concern is that following the implementation of the GRA program, Congress would create future legislation to end tax deductions and tax benefits of all retirement plans therefore forcing the funds in these plans into the “professionally” managed GRA program. The other concern is that beneficiaries would be cheated out of any benefits left in IRA’s after the death of the participants. Ghilarducci’s plan calls for 50% of all balances remaining at death to be reverted to the federal government, not the beneficiaries.

What to Do

Since this is only a proposal at the time, it could be years before these changes take effect. However, since Congress already controls the rules for private retirement plans they can change the rules, just as they’ve done in the past. The good news is, you have time to protect your assets before this assault. But, don’t wait. Why would you put another dime into a qualified plan? Take an honest inventory of your assets and sit down to talk with your advisor soon. It’s your money, guard your wallet!

Barry Page, RFC is a Registered Financial Consultant and Licensed Insurance Agent. He is an advocate for families and small business, and publishes this blog and to promote financial intelligence.

Wonders of Life

We live for life’s wondrous moments…
From simple pleasures like enjoying quality time with loved ones to major milestones such as seeing your child graduate or walk down the wedding aisle, these are the moments we cherish most. You work hard to make sure your loved ones have a comfortable life, and hopefully one that includes its fair share of wondrous moments. But if you were suddenly out of the picture, would your loved ones have the same opportunities and quality of life? Life insurance helps ensure that the lifestyle you’ve worked so hard to achieve for your loved ones won’t come to a halt if something were to happen to you.

Time to review your life insurance needs
September is Life Insurance Awareness Month (LIAM), the perfect time for a life insurance review. LIAM is sponsored by the LIFE Foundation, a nonprofit organization whose mission is to help Americans make smart insurance-buying decisions. First, read about the 7 Wonders of Life Insurance. Then, before you contact someone to discuss your needs, go to our Life Insurance Needs Calculator to get a general sense of how much insurance might be right for you. Once you’ve spent a few minutes on our site, you’ll be in a better position to have an informed conversation with an insurance advisor or your benefits manager at work.

To learn more about the wonders of life insurance contact:
Barry Page
(228) 875-5545

So Simple, A 13 Year-Old Explains the Bailouts

How To Survive and Thrive in the New Era of Finance

How To Survive and Thrive
in the New Era of Finance
Credit and Your Financial Future

Finance and credit, as we know them today, are changing rapidly. Your financial future will be determined by how you use money in this new era of finance. Follow these guidelines to survive and thrive in the new era of finance.

Credit and lending have been slowly tightening over the past year, despite the Fed’s attempts to flood the economy with “Fiat” money. And, this new legislation wrapped in an ACT to supposedly protect the consumer will only create more stringent guidelines and qualifications for lending.
Now this isn’t completely bad news, because American’s need to quit borrowing and depending on credit cards to finance everything they buy. However the ability to access capital can be crucial, and you should be aware of the most effective and efficient ways to borrow money.
In today’s fast-paced world we are often lured into buying when we ought to be saving. Saving takes discipline, and with the ease of purchasing using a credit that makes the task that more difficult.
By learning how cash flows you can reverse the trend and recapture some of the interest you now pay to others. How you finance and pay your expenses will have an enormous effect on your lifestyle today and how you spend your retirement income tomorrow.
“You finance everything you buy. You either pay interest to others or you lose interest you could be earning. Anytime you can cut out the payment of interest to others and direct that same market rate of interest to an entity that you own and control, with minimal taxation, you have improved your situation.” ~Nelson Nash

Most all items in your budget are financed either by credit cards or loans. The balance is financed by paying cash, thus, giving up interest that could be otherwise earned.

While creating a financial system to accommodate your income may sound difficult, it can be relatively simple. The primary difficulties you will encounter will be human factors.

Human Factors That Will Affect Your Ability To Create Wealth

1. Parkinson’s Law – expenses rise to equal income.
2. Willie Sutton’s Law – wherever wealth is created, someone will try to steal it.
3. The Arrival Syndrome – I already know everything, so there is no need to learn anything new.

While we may have been told that creating wealth is a factor of the rate of return, that is only part of the equation. Most often the magical rate of return that we are chasing comes with RISK. A better approach to creating wealth will focus on eliminating the eroding factors and maintaining control of the money.

The IRS and Fed Cartel – Thieves!

The IRS and Fed Cartel

The IRS appears to be a collection agency working for foreign banks engaging in money laundering, extortion racketeering, and conspiracy. Much like the Federal Reserve, it operates under “secret code” and mounds of amendments, clauses and paperwork. Operating out of Puerto Rico under disguise of the Federal Alcohol Administration (“FAA”), the FAA was promptly declared unconstitutional inside the 50 States by the U.S. Supreme Court in the case of U.S. v. Constantine, 296 U.S. 287 (1935), because Prohibition had already been repealed. There is no known Act of Congress, nor any Executive Order, giving th IRS lawful jurisdiction to operate within any of the 50 States of the Union.

Their presence within the 50 States appears to stem from certain Agreements on Coordination of Tax Administration (“ACTA”), which officials in those States have consummated with the Commissioner of Internal Revenue. A template for ACTA agreements can be found at the IRS Internet website and in the Supreme Law Library on the Internet. However, those ACTA agreements are demonstrably fraudulent, for example, by expressly defining “IRS” as a lawful bureau within the U.S. Department of the Treasury.

Moreover, those ACTA agreements also appear to violate State laws requiring competitive bidding before such a service contract can be awarded by a State government to any subcontractor. There is no evidence to indicate that ACTA agreements were reached after competitive bidding processes; on the contrary, the IRS is adamant about maintaining a monopoly syndicate. The identity of the Secretary is not found in title 26 U.S.C.. The only reference to the identity of the Secretary of the Treasury is in 27 C.F.R. at section 250.11 (definitions) which specifically states: “Secretary means Secretary of the Treasury of Puerto Rico”.

In 1998, the United States Court of Appeals for the First Circuit identified a second “Secretary of the Treasury” as a man by the name of Manual Díaz-Saldaña.

Contact him and see what kind of response you get:
Departamento De Hacienda
Secretary of the Treasury
Manuel Diaz Saldana
P.O. Box 4515
San Juan, Puerto Rico, 00902

To learn more about the Federal Reserve and Taxes visit:

Much of this blog was reprinted from:

Post Election Tax Reform

Campaign 2008 is finally over. Democrats are stunned that they haven’t blown it again, and Republicans feel bamboozled, but seem ready to move forward. Barack Obama will be the 44th President of the United States. He’ll take office in January with strong Democratic majorities in both the House and Senate and the most sweeping tax proposals since the 1986 tax reform.

Obama himself promised to cut taxes for families making less than $250,000, uh $200,000, via Biden that’s $150,000 per year. But who knows how long that promise will last?

Now it’s time for Obama’s campaign promises to meet economic reality. And one of those realities is that there just aren’t as many Wall Street millionaires to tax as there were when Obama rolled out his plan!

Understandably, the media has generally focused on the true bailout provisions of the Emergency Economic Stabilization Act of 2008. But this landmark legislation also contains a bundle of tax law changes that will affect you as an individual taxpayer.

You should take the time now to protect your profits from new tax legislation. The decisions you make now will affect your spendable income and your family’s future.

It’s Your Money

If you keep up with the news you have no doubt heard that we are in a recession. This by itself is not our problem; The problem lies in our inability to keep our money out of the hands of our government. Our government, despite their good intentions, has led us into our current situation through out-of-control spending.

Regardless of which side of the isle you come from, or even if you consider yourself an independent, hopefully you can understand that YOU can take better care of yourself than Uncle Sam. If you can not, then you are destined to a life of financial slavery. That may sound a little harsh, but it’s tough love.

We have to get our arms around the fact that our current tax system and the IRS confiscate our money regularly and by doing so, deny us the right to think and act on our own. Don’t hear me wrong here, because I believe in paying taxes to support our government, so it can function and protect us from foreign interests. But, they are doing just the opposite.

It’s easy to follow the crowd and do what our government recommends. However, by doing so you are increasing your risks and giving up your rights.

If you take a look at history, our country was actually founded because of a dispute of having to pay taxes and the Boston Tea Party. After which we actually had a 100+ year period of prosperity. Then came 1913 and the Federal Income Tax.

Our beloved Abe Lincoln and Franklin D. Roosevelt were the culprits that contributed the most to this ever increasing problem of the IRS. As taxes have increased over time we have lost control. Read for yourself on the IRS website:,,id=177655,00.html

And here’s a chart on the history of income taxes:

Okay, so you say what does all of that have to do with me and MY Money? Let’s take a look at the average American family, Mom and Dad with 3 kids. Dad earns $72,000 a year after 4 years of college and considerable work experience. He has the typical 401k and saves towards his employer sponsored retirement plan. If this isn’t you, just stay with me, you’ll get the picture.

Mom drives a 5 year old minivan that’s paid for, and carries the kids all around to numerous games, parties and events. Dad drives a newer pickup and has a $500/mo truck payment. They live in a normal neighborhood and have 12 years left on a 15 year mortgage with a 6% rate.

Do you think they sound rich? Well according to IRS tax rate schedules that puts them in a 28% income tax bracket. See for yourself, here’s the link:,,id=164272,00.html

Now you may be saying, “Yeah but I made that and I didn’t pay taxes.” Some people actually believe that because they get a refund check, or because they don’t have to pay money in at the first of the year, that they didn’t have to pay taxes. What about that withholding that came out of each and every check all year. Uncle Sam loves payroll deduction. And, let’s not forget Social Security, Medicare and your 401k. “What? I thought that my 401k actually saved taxes?”

Let’s look at each one of these “deductions” one at a time.

1. Fed Income Tax – This comes right out of your check before you have a chance to spend it. You do have an option here, but most don’t exercise their rights to hold on to their money until the end of the year. Uncle Sam feels safer knowing you pay him first, and in many cases most individuals do as well. In this example it would be about $250 every 2 weeks.
2. State Income Tax – Don’t forget your friendly state government, in this example we’ll assume there share would be about $130.
3. Social Security Tax (OASDI) – Again, before you have a chance to count your money, it’s gone. We’ll talk about the failure of Social Security later, but in this example about $180
4. Medicare Tax – You can count on not seeing this either, but hey maybe it will be around when you really need it at retirement. In this example, it’s about $40.
5. 401k – Conveniently, we’ll let our All American Dad contribute 5% or $150 to this “plan”so he can fund his pre-tax investment. You can pay him now or you can pay him later.

Maybe this family has some health benefits and they’ll contribute another $250 to these coverages.

After all is said and done this family brings home about $2,250 from the $3,000 he earned.

As if you don’t already know this, here are 2 different examples to prove the above calculations.

Your Friendly Social Security Administration:

If you would like to calculate your payroll deductions, check out this cool site with lots of calculators:

To keep his mortgage company happy, they are also letting them hold in escrow the property taxes and insurance as well, so in reality they’ll never see this money either. After this family pays their mortgage, $2,000 PITI, car payment, credit card debt, and normal living expenses, they feel lucky if they have $50 left over to take the family out to eat.

Don’t worry about the capital gain taxes, sales taxes and other miscellaneous taxes, we all pay them, right?

They feel fortunate because they are “getting by” and they feel “comfortable”, but inside they strive for more. Our media feeds them advertisements of new cars, plasma televisions, wireless phones and movie star lifestyles, and, they eat it up. We can’t help but want those things because “everybody” has them and we have to keep up with the Jones’s. Sound familiar?

Okay, so back to the point about who’s in control of your money. And, how can you keep more of your money? It’s pretty simple really, take control.

Watch every penny. I’m serious, if you want control of your money, you need to document every expenditure. When you do, you will take notice. Once this is accomplished you can move forward, because you have to recognize that there is a problem. If you don’t recognize the problem, you will not have the discipline to make a change.

Here’s 3 steps to Take Control of Your Money:

1. Let’s take a look at the paycheck first. Most of your payroll deductions don’t have to be deductions at all. By changing your exemptions you can control who holds onto your pay. By doing so, you will have the use of this money. DO NOT change this unless you have the discipline to set this money aside in an interest bearing account with the sole intent of using it at the end of the year to pay your taxes.

The next deduction on your paycheck is your beloved 401k. Now I know Uncle Sam and all of the so called financial gurus tell you to max out this contribution, but you need to understand what is really happening. Your 401k only defers taxes, it does not save you taxes. While the argument is that you will be in a lower tax bracket at retirement, this is a myth. The reality is that you could be in a higher tax bracket at retirement. That’s a whole other topic which we will examine another time.

2. In this example the family is paying about $500 per month for medical coverage because the employer is pitching in some of the premium. While that may sound good, it could actually be better. But, because we are so convinced that our employer needs to fund this, and that we need co-payments and low-deductibles, we let even more money slip out the door. Every situation is different and in many circumstances this example may very well be the best option.

If you want control, you should keep 6 months of income liquid in an emergency fund. Now this may seem impossible to some, but you have to start somewhere. If you do, you can raise all of your insurance deductibles and therefore control your money until you actually need it. Doing so will save you hundreds, if not thousands of dollars every year.

By the way, if you think socialized medicine will work, take a look at Social Security and Medicare. Here’s the scenario. Social Security was created in 1935 by FDR. It was never intended to support people into their 70’s, 80’s and 90’s. The debt for SS is $10 TRILLION. Medicare was created in 1965 by Lyndon B. Johnson. The debt for Medicare is over $60 TRILLION. Some quick math will tell you that’s $70 TRILLION. And, don’t worry about what the retiring baby-boomers will do to that.

3. The next way that many lose control of their money is with a 15 year mortgage. We’ve all been told that we save interest by paying off our mortgage sooner. While it is true that you can save interest, in reality this may cost the average family hundreds of thousands of dollars over their lifetimes. Again, don’t hear me wrong. Each situation is different and if your goal is to pay your home off early, you can still do that in 15 years and have MORE CONTROL of your money along the way.

To grasp how a 15 year mortgage gives away control of your money, you’ll have to understand some basics:

  • Your home will appreciate or depreciate regardless of the mortgage.
  • Because of the interest tax deduction, your net payment may actually be reduced.
  • Any payment going towards principle may actually increase your risk and decrease the mortgage lenders risk.

For more follow this link for a mortgage comparison using the LEAP financial calculator:

To summarize, with FINANCIAL EDUCATION and DISCIPLINE, you can take CONTROL of YOUR MONEY. When you are in control of your money, you can make informed decisions versus having someone else make decisions for you.

Until next time,

Get Out of DEBT and SAVE More Money in 2008

It’s that time of year when we set our goals and try to improve over the past year. Hopefully, saving more money is on your priority list. Since the rate of spending in America is at an all time high and savings is at an all time low (negative for 2006), this is a good topic to help you get off to a good start.

In today’s world it takes work and discipline to get ahead and save. And, with the ease of using a credit card it’s even harder to stay out of debt. While many of the financial gurus will tell you to cut up your credit cards, I’d like to share some information with you that will help you get out of credit card debt and allow you to keep your credit cards.

While most of have been lured to the stock market for more aggressive returns, the truth is you can’t get ahead until you get out of debt. And, while these returns haven’t been that spectacular anyway, why gamble? There are many more ways to maximize your return without risking your hard earned money. Before we get into making money though, let’s take care of some simple housekeeping.

One of the easiest ways to earn a guaranteed return, is to get rid of your bad debt. If you are uncertain of the difference between bad debt and good debt, good debt would be a secured loan on an insured asset, like your mortgage. On the other hand, a high interest credit card that is unsecured or uninsured would be bad debt.

If you are one of the typical American families who carries a balance on a credit card, you can enjoy a huge return, as high as 22% by paying off your credit card balances. The interest rate you are paying now will be the “gain” you receive by paying off the balance. So, if your rate is 18% your return will be 18%. If your balance is 6%, your return will be 6%, nothing huge but nothing to sneeze about either. Primarily though, it is risk free and guaranteed. And, after fees and you’ll be way ahead of most stock purchases or other investments.

The average family today has credit card debt approaching $8,000. And the typical interest rate is about 18%, with many paying even more. If you do the math, an 18% interest rate on an $8,000 balance is $1,440 a year. Can you afford to pay $1,440 a year in interest?

Another way to look at it is, if instead of paying $1,440 a year, you had $1,440 to invest every year for the next 20 years and you earned an average return of only 6% percent a year. Over the 20 years you would have invested a total of $28,880 and your money would have grown to $56,150. More good news is that at that point compound interest is really starting to work for you, and in just 10 more years (30 total), you would have saved a whopping $120,674. There is really no reason not to pay off your credit card debt and let your money start working for you.

So, what are you waiting on? The fact is, if you have high interest, unsecured debt and you don’t act now, you are going to dig yourself a hole that will be hard to ever get out of. It’s easy to get in debt and it can be easy to get out of debt. Here’s a few simple steps you can take to clear up your debt and start saving.

Analyze your budget and see if you are spending money needlessly. Determine exactly where your debt is and take charge of paying it off asap. Don’t be tricked into thinking your saving money in the market or in your low interest savings account until you have cleared up your revolving debt. Use your savings if you have to, but pay off your credit cards. You may be able to consolidate credit cards into one low interest payment, still pay it off. Once you do, you will have cash-flow and you can then truly start to save.

Another option may be to refinance your mortgage, but make sure you are getting an attractive rate and that you are NOT using your mortgage to build more debt. This can be a trap, so if you use this method use caution and discipline.

You should keep your credit card accounts open if they don’t have a yearly fee, this will help you maintain a favorable credit score.Pay your credit card balance off monthly without hesitation. This will help you discipline yourself not to overspend. And, it will keep you out of debt.

Once you have paid off your balances, if you have decided to keep your credit card accounts open, you are now in a position to negotiate the interest rate. There are many ways to do this, but the first is to simply ask. Pick up the phone, call the company and ask for a better rate. If you pay your bill on time, they will probably oblige your request. If not, you may have to threaten to close the account or transfer the balance. It is in your best interest to not close the account, but you only want to keep it open if there is no annual fee.

Traps of Credit Cards

  • Late Payments – If you have fallen into the trap of paying your bill late, you probably have a high interest rate. Timeliness in paying your bill is the single most important factor in determining your credit score. So, if you haven’t learned this lesson already, pay your bills on time. Banks will sometimes forgive you once or twice, but ultimately there is no excuse for being late.
  • Exceeding Your Limit – If you overextend your credit limit, you are asking for a higher rate. Generally, you will be stuck with a fee that can be as high as $50, and your company will most likely raise your interest rate.
  • Paying Too High of an Interest Rate – Some banks will try and charge you a higher rate regardless. And, many have hidden fees and a yearly fee. There is no reason to pay a yearly fee or a non-competitive interest rate when so many banks offer credit cards. If your credit score is above 620, then you are in a position to negotiate.
  • Closing Your Credit Card Account – When you close your account you are throwing away your history. Your “history” in making payments is a huge factor in determining your credit score. If you close the account, this could negatively effect your score, even if the balance was paid off. So, pay off your balance but keep the account open if there is no yearly fee. If they have a yearly fee, ask them to waive the fee.
  • Transferring Balances – If you are savvy you can save yourself a ton of money by utilizing balance transfers. On the other hand, if you are not careful you can cost yourself a ton of money as well. The trap is most low interest balance transfer offers are only for the transfer itself. All new purchases are charged a higher rate, usually more than 6%. Understand the rules before making the transfer and do not make new charges on the account.
  • Using Credit Cards for Cash Advances – Using your credit card at an ATM for cash is a bad idea. Cash advances on credit cards can cost you 20% or more. And, the bank will probably make you pay off your regular balance before allowing you to pay off the advance. This is a trick banks use to charge higher rates, so again understand the rules. Debit cards are free with many checking accounts now, so if you need fast cash just withdraw from your checking account using your debit card.

Okay, now that you understand how to keep your credit cards under control it’s now time to start saving some money. If you’re already saving money that’s great, keep saving. While there are many ways to save money, from sticking it under your mattress to buying into a mutual fund, we will focus on safe, secure and guaranteed returns.

If you have a retirement plan at work consider yourself fortunate. However, you want to make sure you understand how it works. If you have nothing, or if you are not getting the return you want, now is the time to start saving. Regardless of where you are in your life, you can start to save now and live your retirement with dignity.

When considering a savings plan or any investment vehicle, here are some questions to consider:

  1. Are the returns Guaranteed?
  2. Is there a competitive Return On Investment?
  3. Is the gain or growth Tax Deferred?
  4. Is the gain or growth Tax Free?
  5. Are the distributions upon your death Estate Tax Free?
  6. Are you allowed Unlimited Contributions?
  7. Is it Creditor Proof?
  8. Do you have Investment Options?
  9. Can the savings be use as Collateral?
  10. Is it liquid, and do you have Use and Control?
  11. What would happen to the contributions if you became Disabled?

If you do your research (this does not mean reading the opinions of so called experts on the radio and in the magazines), you will find that few savings plans can promise you all of this. Fortunately, one does, it’s called Whole-Life Insurance. And, nothing else offers you the tax advantages, the guarantees, and the ability to control your money, even after your death. You owe it to yourself and your family to explore the uses of life insurance.

Key Points

  • Use the money you were paying on your credit cards to start to save money.
  • Discipline yourself to save monthly or at every pay interval.
  • Watch your money grow by utilizing tax and investment strategies.

Learn more about the uses and advantages of Life Insurance with a free financial analysis from Legacy Insurance Agency. We’ll help you to understand the facts about saving for retirement with no pressure and no obligation.

Until next time,
Get out of Credit Card Debt and Start Saving!
Barry Page