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Riding the wealth Curve

The Secret to Wealth is…


Riding The Wealth Curve

(Don’t worry. We’re going to tell you the entire secret)


The Simple Key to grow more wealth for your Entire Life, your children's lives and your grand children's lives, etc. in perpetuity;

doesn’t necessarily require more capital but just requires a better strategy!





Most people would like more money!

Most everyone wishes for financial freedom!


But, in fact, the only plans they have are for spending money.

They are planning on surviving, not thriving.

Most Canadians can make millions of dollars in their lifetime.

They just don’t know how to keep it!



There are 3 kinds of people when it comes to money

  1. Borrowers:They don’t have enough money, so they borrow to live their lifestyle.

  2. Cash BuyersThey save money and pay cash for everything (I used to do this).

  3. Wealth BuildersThey do things right because they know how money really works.


What’s wrong with borrowing?

We all know the potential for borrowers to get into trouble.

They may end up owing interest on top of interest every month.

We call this “The Negative Wealth Curve”. It looks like this (and it’s very scary):



Banks want you to pay interest forever. It is to their advantage but there is another way!

When you don’t have any money, you have to borrow money.

However, to borrow money you must pay interest!

This is the PAY UP scenario! (However must you “PAY UP” interest to the Banker?)


What about the “Cash Buyer”?


The Cash Buyer understands money, doesn’t borrow, and thinks “Cash is King!”

Is this the right strategy? NO, this is the GIVE UP scenario!

Because every time you pay cash, you are “GIVING UP” all of the interest that your pile of money could have earned, forever (into your future, your children’s’ futures, your grandchildren’s’ futures, etc.)


The Wealth Curve


So what about “The Wealth Curve”? What does it look like and how does it work?

The Wealth Curve is simply the result of a powerful force known as “Compound Interest”.

Rumor has it that, when asked about the most powerful force in the universe, Einstein reportedly said, “Compound Interest”! But only when not interrupted!!



Borrowers are NOT on The Wealth Curve, but neither are Cash Buyers!

The Cash Buyer falls off The Wealth Curve each time he or she spends their savings

to make a purchase.


Falling Off the Wealth Curve


What does it mean to “Fall Off The Wealth Curve”?

It means that you’ve lost all the compound interest growth potential in that

cash that you spent.

Remember “PAY UP or GIVE UP!”?

That money you spent, could have earned you and your children, and grandchildren

wealth in perpetuity.

Believe it or not, “Cash is NOT King”. There is a better way.


The Cost of Falling Off the Wealth Curve



In this example, notice the portion of growth on The Wealth Curve that was lost? Note how your loss increases over time!

Notice how in this example the person fell off The Wealth Curve just that one time!

Most of us are falling off The Wealth Curve several times per year!


Can you see the terrible effect of falling off The Wealth Curve?


Riding the Wealth Curve

In order to get onboard The Wealth Curve, you simply need to do three things:


1. Keep your money in a place where it can grow forever, tax-free.

A properly set-up Dividend-paying Whole Life Insurance Policy is the vehicle of choice that Banks use. (And us too!)


2. Borrow any money you need to purchase large items.

Borrow against the “Cash Value” of your Policy any time, no questions asked.


3. Pay yourself back (with interest) from your future earned income.

Instead of paying interest to the bank as you would have had to; why not pay yourself back!?


Now That You Know the Secret

You can ride The Wealth Curve, too!

We have the ultimate strategy to keep you on The Wealth Curve!


For a complimentary consultation, please EMAIL us today!




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Are you Retirement Ready or Not?


Here are 4 of the toughest financial questions

everyone should know the answers to:




What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy?




How much do you need to save on a monthly and annual basis to be able to retire at your current standard of living and have your money last through your life expectancy?




Doing what you are currently doing, how long will you have to work to be able to retire at your current standard of living and have your money last through your life expectancy?




If you don’t do anything different than you are currently doing today.  How much will you have to reduce your standard of living at retirement for your money to last to your life expectancy?



Do you know the answers? 


Contact us today for a complimentary consultation.

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Pay Off Your Mortgage Or Not?

Should you pay off your mortgage or save for retirement?


The following article in a recent Financial Post reinforces what I have been promoting for years now. I believe you will find it most interesting. We have financial calculators that can demonstrate the value to your personal circumstances. When deciding how to reinvest why not consider a vehicle that will grow tax free, can be distributed tax free while still allowing you access to it (without losing the growth).

Read the Financial Post Article Here



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It's that time of year again....

Tax Time! 


Taxes can put quite a bit of pressure on our lives.  Let’s take a look at an example of how big of an impact taxes has on our overall financial plan.

Let’s assume I was the greatest financial advisor and could get you 100% Rate of Return.  For simplicity sake let’s assume that you have given me $1 of your money to invest.  At the end of the first year I have grown it to $2.  That’s great!  If I was able to provide you with 100% ROR (uninterrupted) over a 20 year period, what would that amount grow to?  It would grow to approximately $1,051,000.

The majority of the population is subject to income taxes.  Let’s assume that you will be taxed at the lowest marginal tax rate in Canada at 28%.  At your first dollar of earnings, you will pay $0.28 in taxes leaving you with a balance of $1.72 rather than $2.00.  After taxes, what amount will you are left with at the end of the 20 years? Most of you will be quite shocked by this; you will be left with approximately $51,000.

You see, the exponential power of compounding is working against you when your income is taxed, losing one million (over 20 years) to taxes at the lowest marginal tax rate in Canada!

The key take away from the forgoing is that when possible you should seek to invest in a tax free environment.  Does this include retirement investment plans such as the RRSP?  With registered savings plans (tax deferred plans) you will most likely pay full taxes when you go to take the money out, and most likely at a higher tax rate than when you put the money in! 


Are you aware of the investment opportunities that offer tax free distributions?

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The 3rd Way to Make Large Capital Purchases

How you purchase a major capital asset has a tremendous impact on your ability to generate wealth. 


You finance everything you buy. 

There are two common ways to finance your major capital purchase.
1. You pay cash or
2. You borrow from a financial institution (loan, credit card, lease)

So in theory you either pay up interest or give up the ability to earn interest.  If you pay cash for your major capital purchases, that is a form of self financing.  Since we finance everything we buy the person who pays cash has to save once again to replace the money they withdraw from their account to get back to the same position they were in before the purchase. 


The majority of the population is not aware that there is a third way to make major capital purchases.  We call this the Wealth Creator Way.


The wealth creator will save just like the saver, but in instead of using their own cash, they will collateralize their purchase – in other words, they will borrow against their own money and use it for the purchase.  They will pay back the loan in the same way that they would had they financed it through a bank.  They don’t touch their money so it continues to earn uninterrupted compound interest. 


Which method would you like to use when acquiring your next large capital purchase?

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Rich Gane
May 17, 2017
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