Crash Proof Portfolio

Crash Proof
Portfolio
Take The Fear Out Of
Investing
Eric G. Edwards
Published by FastPencil
Copyright 2014 Eric G. Edwards

Published by FastPencil
307 Orchard City Drive
Suite 210
Campbell CA 95008 USA
info@fastpencil.com
(408) 540-7571
(408) 540-7572 (Fax)
http://www.fastpencil.com
No part of this book is investment advice. This book contains concepts.
For investment, retirement and insurance planning advice always
consult a professional. If you desire advice and complex planning you
may contact Mr. Edwards.
No part of this publication may be reproduced, stored in a retrieval
system, or transmitted, in any form, or by any means, electronic,
mechanical, photocopying, recording, or otherwise, without the prior
consent of the publisher.
The Publisher makes no representations or warranties with respect to
the accuracy or completeness of the contents of this book and specifically disclaim any implied warranties of merchantability or fitness for
a particular purpose. Neither the publisher nor author shall be liable
for any loss of profit or any commercial damages.
Printed in the United States of America.
First Edition
This book is dedicated to God. Every blessing in our lives flows from
the throne of our creator. He is sovereign. This is why our company
name is Sovereign Asset Management. This book is also dedicated to
my father Greg Edwards, who passed away in 1995, my mother
who had to raise two teens, after losing her soul mate to brain
cancer, Rick Wallace who mentored me, my children Samuel, Erica
and Kadence, and last but never least my wife Lauren who has been
my advocate and best friend for the last 6 years.
Acknowledgments
I would like to thank all of the clients who have placed their
trust in me over the years. I would also like to thank my former
mentors Robert Goldsmith and Rick Wallace.
Contents
Chapter 1
Chapter 2
Chapter 3
Chapter 4
Chapter 5
Chapter 6
The Street Mentality ............................................ 1

Whats My Why? .................................................. 7
The Game Is Rigged ........................................... 13
Even Steven ....................................................... 21
Whats an a nudity dad? ...................................... 29
Hybrid Retirement Plan ..................................... 37
Indexed Annuity vs. The S&P 500 Example .........
Who cares about 1% ...........................................
Never Ending Income ........................................
Dont Despair Over Long Term Care ..................
Death With Benefits ...........................................
Stretch that IRA all day .......................................
Become Heir to a Fortune ...................................
Create A Tax Free Estate ....................................
Why A Trust Is A Must .......................................
41
45
49
55
59
63
67
73
81
Chapter 7
Chapter 8
Chapter 9
Chapter 10
Chapter 11
Chapter 12
Chapter 13
Chapter 14
Chapter 15 The Best Annuity For Last .................................. 87
Chapter 16 Gold, Guns, God ................................................ 93
Conclusion ........................................................ 97
1
The Street Mentality
Wall Street is the ONLY place on earth where

millionaires drive up in a Rolls Royce to take advice
from some kid who took the subway to get there.
Warren Buffet
Crash Proof Portfolio
Note: This book contains blank pages at the end of some

the chapters. Its not an accident. The point is for you to
write down questions, thoughts, and notes.
Thank you for reading. Please pour a cup of Joe for yourself and enjoy.
Excuse my blunt manner of speaking, but its about time
someone told you the truth. The Wolves On Wall Street are out
in force. Youve probably seen the movie about the greedy
young stockbroker, who thinks his clients money is better spent
by him. The sad truth is thats a pretty realistic picture of many
stockbrokers. I am not saying every stockbroker is a criminal.
The fact is most operate legally. Its the mentality Im talking
about.
Do you recall the scene where Leonardo DiCaprio is eating

lunch with Matthew Mcconaughey? Leo says something about
how wonderful the clients are. What Matthew Mcconaughey
says in reply is shocking. Its offensive. It made me want to
throw up when I watched the movie. I almost turned it off.
Excuse my French , but he says, F the clients.
He then says, The name of the game is to move the money

from your clients pocket to your pocket. He informs the young
Jordan Belfort played by DiCaprio that you never want your cli-
ents to actually sell and walk away with real money. Keep them
addicted. Do you get what he was saying?
He is saying the goal of a stockbroker is to make YOU broker
(excuse the improper English) and himself richer. He tells the
young broker that you will always have another bright-idea,
when the client wants to sell. Its smoke and mirrors. The mentality is, never let your clients gains become real. Always reinvest. Keep them at the table. Always have another bright idea, a
very special idea.
Does that sound familiar? Its a lot like the card dealer who
gets you to keep playing-at the card table. Stay long enough and
the house wins. Stockbrokers, for the most part, have no idea if
the market is going- up or down. To take another quote from
this movie, Nobody knows which direction the market is going
not Jimmy Buffet or Warren Buffet.I disagree Warren has
enough money to make the market move, nevertheless, its a
great point.
Stockbrokers often read some article in the Wall Street

Journal, select a few key phrases from it and sound like they
know what theyre talking about. They dont. They dont know
anymore than most of their clients except the lingo. We have a
term for that in Texas; its called BULL.
Wall Street has a ton of tricks up their sleeves. One infamous

one is called the paper loss. There is a book I often give to
potential clients titled Stress Free Retirement , that addresses
this issue. I think this issue needs to be addressed by as many
people as possible until we eliminate the term paper loss. When
you are up and making money does your broker call you and say
its just a paper gain? Heck no! Why not?
Do they say we need to sell now to make your paper gain real?
Not unless they need to sell you something else! If, however, the
market is down, and youre losing money faster than Barrack
Obama tells lies they say, Its just a paper loss. Its not real. Its
a lot like the casino with all those poker chips. If, instead of
poker chips, you had actual dollars on the table, chances are caution would abound. Its not real money until you cash in.
The fact is, though, it is real money. It just looks like cheap
plastic chips. I think the same applies with our debit cards. I bet
if we all carried cash around, we would spend less. Its genius.
The bad thing is, its genius in a way that hurts you. Your debit
card doesnt feel like money. Your account balance doesnt
show when you use your debit card. When you check your bal-
ance online or at the bank you say Where did all my money
go? The same applies with a paper loss. The out of sight out of
mind mentality is what Wall Street is using to keep you in the
dark. Wall Street is full of crooks. Its time to call a loss a loss.
When you have a paper loss of say $25,000, thats a new car
you could buy. Those were a few great vacations you could have
gone on. Life comes down to two things, memories and the
money it takes to make memories. When your broker tells you,
its a paper loss, the chance to make those memories just went
right down memory lane.
The very term paper loss is insane. The dollars in my wallet

are paper. The checks you have to cash at the bank are paper.
Its a paper loss. I guess thats accurate. Its your money.
Wall Street has another trick of misinformation called buy
and hold. I wont go into great detail here, but the idea that you
should hold investments that are losing money is counter to
common sense. Smart investors have a set of rules, a system they
use when making decisions. They dont just buy and hold
because their Edward Jones guy said so.
YOU need to be educated. You need to be informed. You
dont need to be SOLD or TOLD what to do. You need to make
smart choices. The idea behind this book is to help you do just
that.
2
Whats My Why?
When I was in first grade, at the tender age of seven, I got

some devastating news. I found out my dad had brain cancer.
He had brain tumors. One was the size of a grapefruit. He was
given two months to live. Ill never forget walking in the hospital room and hearing that news. I started bawling.
7
My dad, who was a huge fan of The Three Stooges, starting

acting like Mo (his favorite) and making me laugh. The other
defining characteristic of my dad, other than his sense of humor,
was his resilient Christian faith. A few minutes later when the
doctors came back into the room they said they were sending
him home and told him to get comfortable. I watched my father
tell the doctors I will live and not die. I will declare the works of
The Lord. My God will heal me. The doctors didnt mock him,
but they certainly didnt agree. A few weeks later while at church
my dad announced to the church that he had brain cancer. The
pastor, whose name was Jimmy Hester, asked my father how he
felt about the diagnosis. My dad replied, Instead of saying God
why me? I say God try me. That is an amazing reaction to being
diagnosed with a terminal illness. I dont know that I could
stand so strong.
Dr. James Bland was his doctor. A few months went by and
dad was still alive and doing fine. He attended a tent revival and
was prayed for by the famous evangelist R. W. Schambach.
That night my father had a dream of being attacked by a black
panther. In the dream, he broke its neck. A few days later, he
told his doctors to run another MRI scan. They reluctantly
agreed. His cancer was gone. The doctors said all they could see
was scar tissue from where the tumors had been. I still have
copies of the MRI scans. It was, and still is, a verifiable miracle.
Dr. James Bland became a Christian. To Dr. Bland, what he
saw happen with my father proved his faith in God was real. I
wish the story ended here, but it doesnt.
Whats My Why?
I had my dad until I was 15 years old. The brain cancer came
back 7 years after his miracle. He died April 13th, 1995. I was
torn apart by his death. I always thought God would heal him
again. God chose to take him home to be with Him. I had 7
additional years with him that doctors say shouldnt have been.
A couple of weeks later, a man named Rick Wallace came to
our house. He sat at the kitchen table with my mother and me.
He was a friend to my father. He was also something else. He
was his life insurance agent and financial planner. Rick pulled
out a check addressed to my mother for $150,000. He helped
her create a plan to make the money last. At that moment, I realized what I wanted to do for my career.
I asked Rick to hire me. Rick told me, I cant hire you son.
When you turn 18 years old, give me a call. I bet old Rick didnt
expect me to follow through. The day I turned 18 years old, I
put on the only suit I owned and called him. He invited me to
come to a training event he was holding one Saturday morning.
He hired me. I worked under Rick as a non licensed marketing
person for about a year, just learning the business. I was 120 lbs.
soaking wet. I looked 15 and was studying for my insurance
license. For nearly a year, Rick went with me on every appointment I set. I didnt have the confidence looking like a high
school student to give people financial advice. This man whose
income was close to $400,000 a year took me under his wing
and mentored me personally. I will forever be grateful to Rick
Wallace and the Wallace family. A year later I passed my Series 6
and Series 63 tests.
10
I felt on top of the world. Ill never forget I scored a 91 on a

test most people have to take several times before they pass. The
joke around the office was I studied more than I sold. I think, to
a degree, this is still true. Something in me wont let me sell anything to a client before I really diagnose and study their situation. I think starting out and having to prove myself has led to
me making sure I know my stuff so well. I make mistakes. We all
do. I just try to make very few. I try my best to give the very best
plan in the world to every client I have.
The impact of losing my father and someone actually helping
me changed me. Thats my why. Thats why I do this. Thats
why I love this business. Thats why when I sit across the
kitchen table from a client, I know exactly why I am there. To
plan their financial future and to make sure the future is still
bright for their families in case one night they dont come
home.
I dont work for Rick anymore. Rick and I are still good
friends. I have since opened my own practice. Rick sells term life
insurance and mutual funds. He is great at what he does. My clients need more safety than mutual funds can provide. I look at
every client as if my father were still alive. If the client is a
woman, I look at her situation as if I was making a plan for my
mother. I look at their children and grandchildren as if they
were my own. Why? Because Ive been at the kitchen table when
our financial planner was the saving grace for my family. Many
businesses and sales people pay lip service to the idea that clients are like family. I dont. I cant. This business is very personal
for me.
Whats My Why?
11
I recently joined forces with the National Ethics Association

because they require a higher level of transparency. They have a
code of ethics that every member must abide by. Integrity, honesty, trust and transparency are a rarity in this line of work.
Thats a shame. My why is to change that. I, however, am
proud to call myself a Wealth Manager, Insurance Salesman,
Annuity Salesman, Trusted Advisor etc.
I love this business, and I love my clients. Thats my why.
What is your stockbrokers why? Is it to move your money every
few months? Is it to hit a personal income goal? Is it because
they like the title and prestige of being a financial advisor? Why
is he or she motivated to plan for you? I hope its because they
care about you. I hope they put your needs above their own.
Thats the only way to do this business. Thats how you last. I
am in this business to provide incredible service. I get paid well
to do so.
What is success? Success is having clients who have been with
you for over a decade. Success is bringing a check to a widows
home when she just lost her husband. Success is knowing this
book will change financial destinies. Success is being invited to
clients homes for dinner and being welcome during the holidays. Success is being the only sales person allowed in a clients
home. I have made a lot of money at times in this business, but
success isnt just monetary. Success is being able to look the
mirror and say I like that guy. Success is being able to sleep
well at night because you told the truth even when it was tough.
I sometimes feel like an old cowboy who is out to correct an
12
injustice sometimes. Too many people have been lied to by

people in my profession. It makes my blood boil. My why is to
change that. My why is to reach the peaks of success without
compromise.
Enough about me. Whats your why? What drives you?
What does money really mean to you? What do you want in a
financial advisor? Whats your legacy? I ask because if I know
your why, and you know mine, we can create the how. Thats
the easy part.
3
The Game Is Rigged
If you are asking about too big to fail and can what happened in 2008 could it happen again, the answer is yes, it
absolutely can happen again. If anything, too big to fail is a
bigger problem because the biggest financial institutions
are more concentrated today than they were. Dodd Frank
did not solve too big to fail.
FORMER CEO OF MERRILL LYNCH
JOHN THAIN
Your stockbroker doesnt know which direction the market is
going. A stockbroker can make a guess, and 50% of the time
they might be right. Its a rigged game of the richest of the rich
getting richer. Before $500,000 software made most of the
trades, you had a chance. Its called High-Frequency Trading.
Before almost all of the activity in the market was driven by large
institutional investors, you had a chance. Now in 2014 there are
13
14
a small group of ultra wealthy players who can cause the market
to implode or rise. How is that possible? Well, the market is
supply and demand, and 90% of the worlds wealth is controlled
by 1% of the population. That 1% of the population decides
when the market will crash or rise. The key is to make sure you
dont have any idea. Thats not a difficult task when that 1% of
the population also controls the media. If they want people to
dump their money into the market, the news will say the market
is growing. If they want a massive sell off, the news will cover a
scary story about the economy. You can take advantage of this,
if you want to spend hours upon hours learning to day trade. In
addition to this, you will most likely be wrong more than youre
right at first. Chances are, you dont have that kind of time.
People usually make investment decisions for one of two reasons: greed or fear. The problem is, these emotions are highly
inaccurate. The big players, like the casino, make investment
decisions with cold hard facts.
To make it-even worse, Wall Street isnt playing with any substantial risk. Take a look at the 2008 crash. The very same
players who caused the problem were bailed out, given huge
bonuses, raises and promotions. The president might hop on
television and tell you we fixed that with Dodd Frank, but thats
completely false. Since when did he tell the truth? Its not just
this president, to be fair. Every president has had Wall Street
advisors. The president is acting in their best interests. Who do
you think he cares about? You? Some person hes never met or
the Wall Street big shot who is funding his party?
The Game Is Rigged
15
The bailout didnt fix things. The bailout just delayed the
bomb from blowing up. It also made the bomb bigger. This
country at some point is going to have to face the music. We will
have to get spending under control and pay down the massive
debts we have accumulated, the sooner the better. The only
thing we have done so far is place a band-aid on a fatal gun shot
wound. It looks better. The media is saying the economy has
recovered. The raging bulls in the market make that recovery
look real. The very deceptive unemployment numbers make it
look even more convincing. The massive crowds beating each
other to death over $99 50 inch flat screen televisions on Black
Friday make you think the American consumer is back, and
crazier than ever. In reality, it shows the desperation that penetrates many Americans today. Our consumer-driven culture is
on the verge of collapse. We dont make anything as a country
anymore. I like pens, Cross pens to be exact. Cross is the oldest
luxury American writing instrument. Cross pens are now made
in China after decades of being made here in the U.S.A.
I challenge you- go through your house and find things you
bought the last 10 years that are still made in the U.S.A.. China
is manipulating their currency to devalue it. We are doing the
same thing. Instead of cracking down on China and making
them stop, we are following suit. Since when was the United
States the follower and not the leader? Did you know China is
now the worlds largest economy? America is 2nd. We grew up
in an America that was number one is so many categories. Category by category, we are losing our edge. We owe China a sum
of money that will most likely never be repaid. If it is repaid, we
will devalue the dollar so much that the dollars the loans are
16
repaid with will be worth nothing compared to those we borrowed. Its robbery. Its robbery of your savings accounts. Its
robbery of your 401k accounts. Its robbery of your childrens
future. Its sad. I still have faith though. I have faith this country
can be even greater than we were. Our only hope of being
restored to that level of greatness is to return to our strong
moral foundations. If our leaders have no integrity, we cannot
hope to be great. A ship goes the direction of its rudders. A
plane the direction of its tail. Horses have bits in their mouths. A
nation who forgets God is soon forgotten. Ronald Reagan
warned when he said Only our deep moral values and our strong
social institutions can holdback the jungle and restrain the darker
impulses of human nature. The Bible warned us.
The only saving grace for this country is the energy industry.
This president has done his best to prevent growth in that sector
through over regulation. Sarah Palin was made fun of when she
said, Drill, baby, drill. President Obama said, We cant drill
our way to lower gas prices. Here we are, December of 2014,
and gas is below $2.00 a gallon. Its due to domestic drilling and
a few other factors, none of which our president can take any
credit for.
Under the Obama watch, things have not really improved.
The fact is, the real unemployment number is above 12%, and
thats a national emergency. The labor-force participation rate is
the lowest its been since BEFORE women started entering the
work force. There are more Americans on some form of Welfare
than ever before. There are millions of people working jobs well
below their education and ability levels. When you have airline
The Game Is Rigged
17
pilots who are delivering pizza, there is a serious problem! The

dollar in your pocket is worth basically nothing. In 1933, 1/20
oz. of gold was $1.00. Today 1/20 oz. of gold is around $71.00.
One dollar used be backed by 1/20 oz. of gold. The dollar
was the gold standard. The dollar is now weak. I dont care what
CNN tells you. Many people even question whether or not
there is any gold left in Fort Knox. That vault hasnt been
opened in forever. They will not allow an audit. They will not
reopen it. The last audit was in 1953. This isnt some conspiracy
theory-Members of Congress have publicly said they believe all
the gold is gone.
Could it be true? Is all the security around Fort Knox a show?
Who knows, but back to the subject of gold relative to the
dollar,
Here is a shocking statistic for you
In real purchasing power, your dollar is worth 1.4 cents!
Granted 1.4 cents use to be able to buy something. However,
thats how bad our currency has dropped.
There are two other things I want you to look at when evaluating this recovery we have had.
#1 The recovery has been fueled by Monopoly Money not
real economic growth.
18
#2 Interest rates have been kept artificially low to prevent the

U.S. from default and bankruptcy
You cant fix the underlying issues just by printing money.
Can you fix your financial problems by scanning a hundreddollar bill on your computer and pressing print? No! Maybe you
could for a few hours or a few days, but before long youd end up
in jail. The same rule applies here. The money we printed will
make it into circulation, and it will create a huge case of hyper
inflation. Thats whats going to happen. It will cause a stock
market crash that makes 2008 look like a drill. Im not going to
go into great detail here, but I suggest you read The Real Crash
by Peter Schiff.
Secondly, as soon as interest rates go up the United States,
the worlds superpower will default on our debts. We as a
country will be forced into a collapse. This is why interest rates
have been low for so long. The reason is pretty simple. The
majority of our debt as a country is very short-term debt. This
means any adjustment in the interest rates will make our payment fluctuate. Do you remember the housing crisis in 2008?
What caused all those people to lose their homes? Variable
interest rate loans. They had house payments that went from
$500 a month to $1,500 a month over night. We are currently
18 trillion dollars in debt. Think about that. The interest rate on
most of our short-term debt is around 2% making the payment
on that debt around 350 billion a year.
Imagine if the interest rate rose to 4%. That means our payment would go up to 700 billion a year. Just imagine if your
The Game Is Rigged
19
house payment doubled at a time when you were having to

borrow money to stay afloat? Right now, we are having to raise
the debt ceiling just to avoid a default. When interest rates rise,
then we wont have the 2008 housing crisis, we will have the
Real Economic Crash. The Greatest Depression is what you and
I could see-very soon.
The good news is there are steps you can take to remain unaffected should all this take place. I ll be happy to show you how
to protect against inflation, protect against stock market risk,
protect against running out of money, and how to make very
high returns with low risk.
Its a three legged approach. We will use three financial
instruments to protect ourselves from any crash and have a
secure retirement plan. This book primarily focuses on taking
away stock market risk. Thats one of the biggest risks you have
right now. Inflation can also be addressed using the strategies
shown throughout this book.
4
Even Steven
You mean your portfolio is back to even after six years?

Thats impressive!
Said
Nobody Ever
I admit that quote is slightly sarcastic. The point is- making
zero percent or maybe a little above that for the better part of a
decade isnt a excellent investment. Did you know the period
from 2000-2010 is called The Lost Decade? Why? Its because
the market didnt return positive for over a decade. Imagine that
I called you up at 1 am in the morning and told you I had a great
investment idea. You would probably tell me to shove that
investment idea where the sun doesnt shine.
Now imagine I called you up at 1 am in the morning and told
you someone was breaking into your brand new black Mercedes.
21
22
You might say you would tell me you dont have a Mercedes,
but if you did, imagine the difference in reaction. The point is:
its about return of your investment, not just return on your
investments. Patrick Kelly makes a great point in his book Stress
Free Retirement when he says the best investment advice ever
is, Dont take a loss.
Id like to take this time to introduce you to a fictional character named John. John currently has a portfolio of $1,000,000
USD and is heavily invested in the stock market. Back in 2008
John lost 40% of his then $950,000 portfolio. His stomach
churned, his palms dripped with sweat, and he felt like the world
was ending when he opened his IRA statement after the crash.
John now has $1,000,000, and he thinks hes doing great. He has
a little pep in his step. He is great. Hes doing great because he
has a million dollars, but his returns are beyond dismal. John
also has a short-term memory. He has had so much going on in
his life that he forgets that his portfolio was worth $1,000,000
way back in 1999. Then in 2000, 2001, and 2002 he lost almost
50% of his money. He stuck it out, and it grew all the way back
to $950,000 in 2008. Then he lost 40% of his money. John
stayed in the market. He is now sitting a $1,000,000 again. I
dont have a crystal ball but, if history repeats itself, what is
going to happen next?
Whats the definition of insanity?
The point is, in my opinion, over the past decade the market
has been a terrible investment. The bad news for the rest of us is
Even Steven
23
that John is one of the lucky ones. He didnt pull out and panic
when the crash happened. In spite of being emotionally tied to
his money, he didnt budge. The fact is its too late after a crash
to avoid one. The other side to that is once a crash occurs, it
could get worse. It depends on the underlying economic conditions that created the crash- investor confidence and other variables.
Sometimes the best thing you can do is cross your fingers and
hope for a recovery.
The S&P 500 over the last 13 years has returned around
3.5%, and thats not very impressive. The S&P 500 has had
some very impressive years during those 13 years. It has also had
some disasters. What if there was a way to get part of the gain
every single time the S&P 500 went up and get none of the loss
when it went down? In other words, what if you could go into a
casino and lets say make 60% of the winnings on every winning
hand and then never lose a hand. Would you ever leave?
You can. Well not in the casino, but in the worlds largest
casino:The New York Stock Exchange. This isnt some fly-bynight investment strategy I am speaking of here. Its one created
by the worlds largest insurance companies. Its called a Fixed
Indexed Annuity. Before you close the book because you dont
like annuities, remember that all things change. Annuities have
grown up a lot in the last decade. Fixed indexed annuities are
basically brand new. In my opinion, theyre the greatest retirement account invention ever devised.
24
What does a fixed indexed annuity do that no other investment can?

It uses what Patrick Kelly calls the power of zero. Lets talk
about the power of zero and what it can do for you. Imagine if
every single year the stock market went up, you made part of the
gain. In years when it went down, you made zero. Lets say, for
example, you could only make 8% of the gain when the market
went up. What would that look like? What would your return
over the last 13 years be?
First, here are the actual historical numbers from the last 14
years of S&P 500 performance. I am completing this book in
December and didnt include 2014 as a result.
2000 -10.14%
2001 -13.04%
2002 -23.37%
2003 26.38%
2004 8.99%
2005 3.00%
2006 13.62%
2007 3.53%
Even Steven
25
2008 -38.49%
2009 23.45%
2010 12.78%
2011 -0.00%
2012 13.41%
2013 29.60%
Based on the numbers above, you would have made around
3.55% per year. Now, if you made every negative year a zero,
what would your returns looks like?
2000 -0.00%
2001 -0.00%
2002 -0.00%
2003 26.38%
2004 8.99%
2005 3.00%
2006 13.62%
26
2007 3.53%
2008 -0.00%
2009 23.45%
2010 12.78%
2011 -0.00%
2012 13.41%
2013 29.60%
As shown above, it would be a 9.62% return. Thats the power
of making zero. Obviously, there is no perfect investment. If we
take all the risk away, then some of the return would have to go
away as well. Lets say instead of making the full return, you
could make a max of 8% when the market went up. How would
that look?
2000 -0.00%
2001 -0.00%
2002 -0.00%
2003 8.00%
Even Steven
27
2004 8.00%
2005 8.00%
2006 8.00%
2007 3.53%
2008 -0.00%
2009 8.00%
2010 8.00%
2011 -0.00%
2012 8.00%
2013 8.00%
Not nearly as exciting is it? Investing isnt mean to be a thriller

movie. As we show above, it would be a 4.52% return over the
same time period. This time period includes the lost decade, the
worst decade in recent market history. This is what we can show
you how to do. Most of our clients have averaged around 6%
over the long term, with zero risk to their principal! Six percent
may not sound great to you. We can all get accustomed to 30%
returns when the market is going great. It wont last. High
28
returns are almost always followed by steep losses! What goes

up must come down. We can beat the bank on return yet have
bank-like safety. This is what we are all about. We can get a part,
or most, of the upside of the market with none of the downside.
In a really volatile market, we can even beat the market! Our
goal is to make between 4-8% a year without risk. We do this by
letting the insurance company use our money to make money.
In return, we should get good returns and peace of mind. Does
that sound like a win-win situation to you? It sure does to me.
Thats one of our three strategies. For the next few chapters, I
am going to show you how you can average 4-8% without stock
market risk. Our goal is 6-8% ,but in reality we cant predict the
future, so I would rather say 4-8%. The only product in the
world that will let you make zero percent when the stock market
crashes and give you a good portion of the gain when it goes up
is a Fixed Indexed Annuity. Lets talk about annuities, and some
of the common myths and facts surrounding indexed annuities,
in particular.
5
Whats an a nudity dad?
The bad news is you made nothing this year.

The good news is even though the market
crashed, all the money you made
last year is still there.
Eric G. Edwards
Hopefully, the title of this chapter gave you a good laugh. I
walked in while my son was watching television with his cousins
a few days ago. He was saying to his cousins something about an
annuity. At least, I thought he was. Hes only 7 so I thought, I
have a child genius! I started to explain and he then says, so
partial a nudity is what you do for your clients? I started
laughing. I say no. I then look up at the TV, which has a rating
for a video game that he wants to download, and it says it has
partial nudity. I am now almost rolling on the floor, turning
29
30
bright red. Everyone in the room erupts. After I stop laughing, I

explain to him that nudity and annuity arent the same. I dont
allow him to download the video game, but hes a great reader
for seven years old. The fact is, many people know about as
much about annuities as my son. Theyve heard the word.
Theyve heard certain things about them. They just dont have a
clue when it comes to how they work. Why should they?
Clients know I can make them money. No matter who your
financial advisor is, they can make you money. What makes me
stand out is the fact that I cant lose your gains after you make
them. What?! Thats right - after you make a gain in the products we use, you can never lose that gain due to market performance. For many people that sounds too good to be true. I can
understand. For years, I sold mutual funds, and I thought the
only way to make money on your investments was to take risks.
In reality, there is no such thing as a risk-free investment. There
are other risks besides the market going down. Risks such as
inflation risk, liquidity risk, longevity risk, etc.. With that disclaimer aside, you truly can eliminate the risk of stock market
volatility forever and still make great returns on your money.
When I started in this business, we all learned a rule called The
Risk/Reward Rule. The more risk you take, the greater your
potential for return. This is generally true, but now, with this
new product ,we have the exception to the rule. The exception is
a Fixed Indexed Annuity. Before I show you the details, lets
start with some annuity basics.
What is an annuity?
31
An annuity is a contract between you and an insurance company. You pay for that contract in either single or multiple payments. The length of the contract is usually 5-10 years. That
means you must keep your money, or at least part of it, in the
annuity for that length of time. In return, for keeping your
money invested with the insurance company, they make certain
legally binding promises. Most annuities will allow you to withdraw a certain percentage of your total account value each year
with no penalty. That amount is usually 10% yearly. Some
people dont like the idea of locking their money up for 10
years. There are now annuities which will return your money
after one or two years (without penalty) if you want it back. If
you plan on spending all of your retirement savings in less than
10 years ,an annuity is not for you. If, however, you dont want
to run out of money in 10 years, an annuity might be just what
you need. If you did spend all of your money in just 10 years,
chances are you would not only need to get a new job, but
would also donate a large part of your money to Uncle Sam. I
am all for being patriotic, but I dont want to give the IRS my
money. Annuities enjoy many benefits such as tax deferral.
Also, they may avoid probate, they can provide income for the
rest of your life guaranteed and they can still pass on any
remaining money to your heirs, to name a few.
Annuities can also act as a form of life insurance for those who
cannot be insured otherwise. Many annuities will increase by a
set percentage rate during the contract. At the death of the
owner, all of that money would pass on to the beneficiaries.
What are the types of annuities?
32
Fixed Annuity or Multi Year guarantee Annuity (MYGA)

A Fixed Annuity works a lot like a CD from a bank. It pays a
set interest rate every year no matter what. The biggest difference is a fixed annuity pays a higher interest rate than a CD
does. Fixed annuities, like a CD, have various time periods such
as 3 year, 5 year, 7 year and 10 year. The longer you stay in, the
higher the interest rate. In a fixed annuity, the insurance company takes the risk for you. Its a FIXED annuity and so by definition the principal inside it is protected.
Variable Annuity
A Variable Annuity works a lot like a mutual fund. Instead of
buying mutual funds, you have what are called sub accounts
inside the annuity. Its kind of like a super mutual fund because
there are usually some guarantees attached to a variable annuity.
That being said, YOU are taking the risk in a variable annuity,
and your principal is not protected. In a variable annuity, you
can make higher returns than in a fixed annuity, but you bear the
risk. Variable annuities usually have higher fees than fixed annuities and their mutual fund counter parts. This book is not about
variable annuities.
Hybrid or Fixed Indexed Annuity
A Hybrid Annuity or Fixed Indexed Annuity is a cross
between a variable annuity and a traditional fixed annuity. Its a
fixed annuity with a twist. Since its a fixed annuity, the insur-
33
ance company takes all of the risk. The difference between a traditional fixed annuity and a FIA (Fixed Indexed Annuity) is in
how interest gets credited to your account. This book is focused
on showing you benefits of a FIA. I will explain in detail later.
Basically, your money is tied to a stock market or some other
type of index as an outside bench mark. Your money isnt
directly invested in the market. When the index goes up a portion of those gains are credited your account, and locked in that
year. There is a limit to how much you can make on many fixed
indexed annuities. For example, lets say the limit or cap as we
call it in the industry is 8% yearly. If the index had a gain of 10%,
you would only make 8% that year. If, however, the index went
down 10%, you would make zero. In addition to this, any gains
you had made in previous years would still be there because of
the power of whats called the Annual Reset.
For now, thats what you need to know. I want you to focus
on the simplicity of an Indexed Annuity with a cap. If you want
an indexed annuity without a cap, there are a few new annuity
products that dont have a cap, or ceiling, on what you make.
They use whats called a spread in most cases. A spread simply
means the amount the index must make before you start earning
interest. For example, if an annuity had a spread of 2% and the
index made 12%, you would make 10%. If it only made 2%,
you would make zero. Basically, a spread is deducted before
your earnings are calculated, but thats only in years when the
index goes up. The spread is not charged in years when the
index goes down. If thats confusing, I will clear it up later. If an
annuity has a spread, chances are it does not have a cap. They
usually have one or the other.
34
What are some misconceptions or lies about annuities?

Myth #1 - Annuities pay very high commissions
Annuities do pay the insurance agent or financial advisor who
sells them a commission. They dont pay some sky-high commission such as 10% or even, as some clients have told me, 15%.
In the financial services industry a fee or charge from your
advisor will generally be somewhere around 1-2%, and sometimes even higher, per year. In addition to that, stockbrokers
make a commission up front when you initially invest your
money. That commission is usually from 2-5% the first year.
Annuity specialists are typically paid about 70 basis points per
year. That is 70% of 1% per year on your initial investment
amount. It is true that the advisor who sells you the annuity can
choose to take his compensation up front, which reduces the
total in most cases , or it can be paid over 10 years. Compared to
your stockbroker, over the long term, an annuity advisor makes
less money. He or she also does not constantly buy and sell
investments thus creating even more commission, like a stockbroker. In addition, when you make money the annuity advisor
doesnt get a raise. The commissions paid to the advisor who
sells you an annuity are never deducted from your money. The
insurance company pays the advisor directly. Its kind of like an
advertising budget, in a sense. The insurance company can
either pay millions of dollars for advertising or they can pay a
professional to market their products because word of mouth
advertising is still the very best.
35
Myth #2- If I take income from an annuity the insurance company will keep the rest of my money.
This actually can be true, but only if you annuitize an annuity.

In the past, if you wanted income from an annuity, the insurance
company would look at a chart called a mortality table. They
would decide how long they thought you would live. They
would then divide your money by the years you were expected
to live, and pay you an income from it. If you got one check and
died the next month, the insurance company kept all the rest of
the money. If you lived way past your life expectancy the insurance company had to keep paying you the income until you
died. It was like life insurance in reverse. You are betting you will
live a long life and the insurance company is betting that you
will die. How nice.
With the invention of the powerful Income Rider, this is no
longer a risk you have to take. The Income Rider works much
the same with one huge difference: any money left in the
account passes on to your beneficiaries. It basically creates a
pension you cannot outlive. How good would it feel to know
you cannot outlive your money? Now you can. Its like a
checking account that fills back up every single time you spend
all the money. To put that another way, its like a car that will
never need gas again. Its like a job you cant get fired from and
you dont even have to show up to work. The paycheck will
36
never stop coming in. You can just keep on going and enjoy
retirement, while you spend with confidence! Dont you feel
better about annuities now?
Now that you have an understanding of what an annuity is,
and the types of annuities out there, lets move along.
6
Hybrid Retirement Plan
To help you retain what youve learned so far and see if an

indexed annuity is for you, read on.
The greatest retirement planning vehicle ever designed has
got to be an Indexed Annuity.
Indexed annuities arent for everyone, so before I explain the
benefits, ask yourself the following questions:
1. Are you concerned the stock market could have a dramatic
crash in the near future?
2. Would you like to make good returns on your money
without stock market risk?
3. Would you like to know your money is safe when the
market crashes?
4. Do you want to earn more money than the bank will pay
you while still having safety?
5. Would you like to protect the gains your money makes in
any given year?
37
38
6. Would you like to take an income you cannot out live in

retirement?
If you answered yes to two or more of the above questions,
you should probably own an Indexed Annuity.
Indexed Annuities are fixed annuities. This means they dont
have any stock market risk. However, because theyre tied to a
stock market index (as an outside bench mark), the performance of an index determines how much interest is credited to
your account each year, or each crediting period.
In its most basic form, an Indexed Annuity works like this:
1. You invest money or deposit premium into an indexed
annuity.
2. Each year the market or index goes up, you get a part of
that gain- but not all of it.
Those gains are locked in (usually yearly) and can never be lost.
This is where an Indexed Annuity really shines! Where else can
you keep all the money you make, and not lose it when the
market goes south? We know the market will have up years and
down years. The good news is you can participate in some of the
upside with none of the downside. This is what makes an
Indexed Annuity so incredible.
3. Each year the market or index loses value, you make zero
percent instead of losing money. Zero percent isnt usually a
good thing, but its a great thing when it protects you from
losing 20, 30, 40 or even 50% in a stock market crash. In a
market crash or a negative year you make zero percent , but all
of the gains from previous years are still locked in. Since the
interest earned is locked in annually and the index value is
reset at the end of each year, future decreases in the index will
not affect the interest you have already earned. Therefore, your
Hybrid Retirement Plan
39
annuity using the annual reset method may credit more interest
than annuities using other methods when the index fluctuates
up and down often during the term.
4. You can add riders to the annuity to generate income and
other key benefits.
Lets look at an example in the next section of this chapter.
Indexed Annuity vs. The S&P

500 Example
This sub-chapter is going to explain the nuts and bolts of an

Indexed Annuity thats linked to the S&P 500, as most are. Lets
pretend you are my client, and you put $100,000 into an
Indexed Annuity. We will pretend that contract gets issued on
Janaury 1st of 2014.
We will also pretend the S&P 500 is only at 1,000 points, to
make things easy. We will also assume this Indexed Annuity has
a cap of 8%. That means you can never make more than 8%.
This annuity also has a floor of 0%. That means you can never
lose money. This annuity will also reset annually. That means
each year you start over at the new index value. If the index was
1,000 in year one and it goes down to 800 over a year your new
starting point would be 800. Your actual return would have
been 0% for the first year. In this case, thats a good thing.
Remember the Power of Zero? Zero is your hero when the
market tanks!
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42
Year 0 January 1st- Year zero meaning the day you invest in
the annuity.
$100,000
Index goes up 20% to 1,200 points by January 1 of 2015.
Year 1 January 1st
$108,000
We meet to review the first-year results, and I say, The good
news is the market went up 20% the bad news is you only made
8%. Your $100,000 is now worth $108,000. You are happy to
make money but send me a very cheap Christmas card that
year.
Year 2 January 1st
Index goes down 30% to 840 points by January 1 of 2016
$108,000 is still there
We meet to review the 2nd-year results, and I say, The bad
news is the market went down 30% this year, and you didnt
make anything. The good news is you didnt lose a dime and all
the money you made last year is still there. You now love me.
You give me 25 names of everyone you know and invite me over
for Christmas dinner.
Indexed Annuity vs. The S&P 500 Example
43
Year 3 January 1st

Index goes up by 10% to 924 points by January 1 of 2017.
$116,640
We meet to review the 3rd-year results, and I say, The good
news is the market went up by 10%,; the bad news is you only
made 8%. The other good news is that all those people who
stayed in the market arent even back to even and youre still
making money. You are starting to see the value of Indexed
Annuities and want to invest as much as you can, arent you?
This is because of the power of the annual reset. Every single
year it is like you start over and even though the index is now
below where you started youve made $16,640 over the course
of the first 3 years. This is how a Fixed Indexed Annuity, in its
most basic form, works. For more specific details or to see an
actual annuity and its illustration you can call me at
817-704-8707. If youre skeptical, fact check me. Its okay to
doubt new information. It means you have a brain!
7
Who cares about 1%
The most powerful force in the universe is compound interest

Albert Einstein
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46
Welcome to the world of accounting. A world I love. My

favorite accounting principle is a very basic one. Its called the
Rule of 72. I use it to show you how important making a good
rate of return on your money is. Simply state the Rule of 72 says
to take the % rate you earned on your money and divide into
72 ; that will tell you how many years it will take your money to
double.
This is probably the most important chapter in this book in a
way. Its also the shortest. To show you who cares about 1%, I
am going to use the following example. Lets pretend you are 20
years old again. Thats probably okay with you. Lets say you
have $2,000, and you just stick it into an account earning 6% for
30 years. How much will your money be worth? The answer is
$60,000.
If I change that by 1% what do you think the answer will be?
The answer is $81,000. A change of 1% made a $21,000 difference. How is that? Well, the Rule of 72 says that at 6% your
money will double every 12 years. At 7%, its close to 10 years.
This is one accounting principle you must commit to memory.
Please, use the blank space below to do a few rule of 72 calculations yourself. Heres an example of 6% interest for a 20 year
old investing $2,000 and leaving it until age 68.
6% Age 20-$2,000, age 32-$4,000, age 44-$8,000, age 56$16,000, age 68-$32,000.
If we double the % rate, what do you think will happen to the
ending balance?
Who cares about 1%
47
If you said it will double fasten your seat belt.

12% 20-$2,000 26-$4,000 32-$8,000 38-$16,000 44-$32,000
50-$64,000 56-$128,000
62-$256,000 and 68- $512,000. Thats the power of compounding returns!
8
Never Ending Income
49
50
Example of an income rider on an annuity
Never Ending Income
51
I just dont want to eat cat food.

Response from a client when asked, Whats your goal for
retirement?.
How would you like to have a pension that pays you money
for the rest of your life, no matter what happens in the stock
market? How would you like to know that you will never, ever
run out of money? How would you like to know that you will
never eat cat food? How would you like to know that you will
never choose between food or medication? That may not be a
concern right now. Things can change. How dependable is your
social security income? When will social security run out of
money? How dependable are your other sources of income?
What if I told you, we can create a never-ending supply of
income no matter how long you live?
A few years ago, I sat down with a new prospective client. We
will call him Thomas. Thats not his actual name. I asked
Thomas what his number-one concern was when it came to
retirement. He said, I dont ever want to eat cat food. Thomas
has over $1,000,000 saved up in his accounts and so my
response was ,I doubt you will ever have to.
As funny as it sounds, the thought and reality of eating cat
food is real for many seniors today. Many have to choose
between medication and food. The Income Rider on a Fixed
Indexed Annuity, combined with other incomes from social
52
security, etc., can make sure our clients dont ever face those
horrible choices.
What is an Income Rider?
An Income Rider is an optional add-on to a Fixed Indexed

Annuity. It usually has a certain interest rate guarantee called a
Roll Up. This guarantees that your income account value will
grow at that rate each year no matter what the market or index
does. These rates vary from 4-10% yearly every year guaranteed.
How would you like to know you would get 4-10% growth every
year? Who wouldnt? Disclaimer: The interest rate applies to
your GLWB, not your accumulation value. I will explain now.
Whats the catch?
I am glad you asked, because there is one. The catch is the
value of the Income Rider cannot be pulled out all at once. It
must be taken as income. There is an LPP or Lifetime Payout
Percentage assigned to the Income Rider. This LPP increases
each year with age as you defer income. Lets look at an
example.
Thomas is 64 years old. He puts $127,000 into an annuity
from Eagle Life. This is a real product, but I am using a made-up
company name. This annuity offers a 30% bonus in year one on
the income value, and a 7.5% bonus in year two and three.
Never Ending Income
53
This annuity, instead of offering 7% for 10 years or some

other similar offer, pays most of the interest up front. This is
ideal for a client who needs income soon. Alternatively, if a
client wanted income in 10 years, being paid 7% for 10 years
would create a larger income benefit than 45% in 3 three years.
After 3 years are up, the income roll up goes down to 3% yearly
on this product. In this case, the product met the clients objective of income in the near future.
This means at the end of 3 years his GLWB, or Guaranteed
Lifetime Withdraw Benefit base, will be worth $184,150. This is
a 45% increase over three years to be used as income.
Remember, Thomas never wanted to eat cat food. Thomas can
now have an income off of that $184,150 at a lifetime payout
percentage of 5%. This means he can get a yearly check for
$9,200 from his $127,000 investment, every year for the rest of
his life. Lets say Thomas lives to age 90. That is pretty normal
now days. He will have pulled out around $239,000 in income
from a $127,000 investment. The point of this annuity was to
provide income to Thomas, not to pass on the money. However, when Thomas dies, any money left in the annuity would
pass on to the beneficiary. This protects his family if, for
example, he only received one year or 5 years of payments.
Where else can you get $9,200 a year of income from $127,000
investment guaranteed? Thats over 7% a year of the original
investment. While Thomas takes income, his original investment is still growing in the index account. This means he can
hopefully make up a good portion of the money he is pulling out
in gains. For all intents and purposes, though, it doesnt matter
what the index does. His income is set and can never go down.
54
Some annuity products have a feature called Increasing

Income. This means every time time the index returns positive,
the client gets a raise. How would you like to get retirement
raises? Once you get a raise, your new income level is set and
cannot go down. Thats the true beauty of an Indexed Annuityyou never go backwards. Bonds wont pay you that, unless
youre willing to buy very low quality junk bonds and risk losing
all of your money. Why would you do that when you can have a
guaranteed high income from your retirement nest egg?
9
Dont Despair Over Long
Term Care
Be nice to your children. Theyll pick your nursing

home.
A wise man
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Shocking Statistic #1
The average cost for a semi-private room in a nursing
home is $239 per day.
Shocking Statistic #2
Today 3 out of 4 seniors will end up needing around the

clock long-term care at some point in their lives. That
means you better have a plan in place.
Many seniors dont have long-term care insurance. Most cant

afford it or dont want to pay the high premiums. However, the
fact is, a nursing home will bankrupt you faster than a hot
blonde dating an aging millionaire. What if there was a way to
make sure if you ever needed care in a nursing home, that
money would be there to pay for it?
Dont Despair Over Long Term Care
57
There is a way, outside of Long-Term Care Insurance. If you

can afford Long-Term Care Insurance or already have it, thats
good! If you cant afford it or just dont want to pay it, listen up!
Meet the Income Rider Doubler. A better word would be a

multiplier, but they call it a doubler. Many Indexed Annuities
have this feature in the Income Rider. This means if you ever
have to go into a nursing home, your income from the annuity
will double. This enables you to pay the nursing home and not
lose all of your assets. Thats the idea behind it. Lets use our
example of Thomas again. Thomas had an income of $9,200
from his $127,000 investment. Lets say instead of $127,000
Thomas invested $500,000. His base income guarantee after
three years would be $36,250.
Lets say Thomas takes income of $36,250 for five years, but
then develops health issues. Thomas never thought he would
end up in a nursing home, but lets pretend he does. If Thomas
goes to a nursing home, his guaranteed lifetime income will
double to $72,500. I dont know what you call that, but I call it
financial security.
Use the blank space below to outline your plan for long-term
care. It wont happen to me, IS NOT A PLAN.
58
*No plan is fail proof, but we can create one thats as close to
it as possible. If you fail to plan, then you plan to fail.
10
Death With Benefits
Where, O death, is your victory? Where, O death, is your sting?

1st Corinthians 15:55
What if you dont need the income? I have a client who has
$2,000,000 invested with me. He doesnt need income from his
money. He has an income from several sources. His main concern is growing his money safely in order to pass it on to the
kids.
This is where the Death Benefit Rider can help. Most wealthy
people dont want to buy life insurance. I dont see why not. Its
a great way to pass on money tax free. I learned early in this busi59
60
ness: You can win an argument with a client, or you can help
them reach their goals, but not both.
The Death Benefit Rider works just like an Income Rider

except you cant use the growth of this rider while youre alive. It
guarantees that your money will grow by a certain percentage
rate each year no matter what. When you die that money will
pass on to your beneficiaries.
You can still use money from the annuity while youre alive.
You just cant use the amount in the Death Benefit Rider. You
get to use the actual Safe Index performance. If you also have an
Income Rider attached, you can use that pool of money. However, you should have a plan. You are either going to spend the
money while youre alive, or youre not. You cant predict that
with 100% accuracy, but you should have a general idea. If
growing the money for your use is more important, utilize the
Income Rider. If passing the money on is more important, utilize the Death Benefit Rider.
My point is: You cannot spend all your money and leave it all
behind. The Death Benefit Rider rates are currently around
4-9% on the best annuities. If Thomas, from our earlier example,
Death With Benefits
61
had some money he didnt plan on spending in his lifetime, an

annuity with a Death Benefit Rider would be ideal.
Lets say he invests $100,000 into an annuity that has a 9%

yearly roll up on the death benefit. Lets pretend he dies 10 years
later. His account would be worth $236,000 to his beneficiaries
guaranteed! This assumes Thomas didnt spend the money.
You cant spend your money and keep it too. This is why, if you
have a large estate, a portion of your annuities should have the
Income Rider, and a portion should have the Death Benefit
Rider. Thats a general statement, but in most cases it would
apply. Every solution should be tailored to your needs.
What I want you to keep in mind is this: the Death Benefit

Rider, the Income Rider and the Income Doubler are all
optional add-ons to the base product. The base product is, and
will always be, a Fixed Indexed Annuity. It makes some of the
gains when the market goes up and none of the losses when the
market goes down. When I say market I mean the Selected
Index Allocations. This never changes. The insurance company
takes all the risk and pays you part of the return. Thats a pretty
fair deal! Metaphorically speaking, the Income Rider, the Death
Benefit Rider, and so on are all the French fries. The Fixed
Indexed Annuity is the cheeseburger. The fries are optional.
Before you invest in a Fixed Indexed Annuity, you should meet
with a professional and determine what your overall goal for
62
your money is. Then, together, you can create the perfect plan
for you. If any of this is confusing, call me, and I will point you in
the right direction. My direct number is 817.704.8707. You can
also email me with questions @ edwardsfinancialstrategies@gmail.com.
11
Stretch that IRA all day
The legacy we leave is not just in our possessions, but in the quality of our lives. What preparations should we be making now?
Billy Graham
What if I told you that your IRA is probably not set up in the
best way possible?
What if I told you that the government is going to decimate
your IRA with Required Minimum Distributions and then when
you die a third of it is going to be eaten alive by taxes?
What if I told you theres a way to stop them from killing your
nest egg by spreading the taxes out?
Lets go back to discuss this client of mine with $2,000,000.
He has two children who both make a great income. His main
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goal is passing on his money in a safe and tax efficient manner.

He wants his money to grow for his children. He also wants to
protect those assets from the IRS. His $2,000,000 is all in a traditional IRA.
Most financial advisors will simply designate a beneficiary on
your IRA. Thats good because it will help it avoid probate, but
when his two children inherit $2,000,000 guess what? The government just took a third of all of it. Thats not good.
When you turn 701/2, the government will make you take
money out of your IRA so you can pay taxes on it. Since you
enjoyed all those years of tax breaks, now Uncle Sam wants you
to pay up. To make matters worse, when you die all that money
will typically pass on to your heirs as a lump sum. What if there
was a way to pass on money to beneficiaries so as to reduce the
overall tax burden AND leave a legacy for future generations?
What if there were a way your heirs could take an RMD each
year based on his or her life expectancy instead, so as to keep
their tax brackets lower? Thats the idea behind it.
Its called a Stretch IRA.
To cite Investopedia:
The stretch IRA is not a new IRA account on the market, or
even a new investment concept, it is simply a wealth transfer
method that allows you the potential to stretch your IRA over
several future generations. As an IRA owner, you are typically
Stretch that IRA all day
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required to take minimum distributions from your IRA at age

70.5 based on an IRS life expectancy table. If you are fortunate
enough to inherit someone elses IRA, you will be required to
take minimum distributions each year from the IRA account
based on your life expectancy figure - regardless of your age.
IRA accounts at death of the owner pass by contract or beneficiary designation. It is the typical practice for most IRA owners
to name their spouse as the primary IRA beneficiary and their
children as the contingent beneficiaries. While there is nothing
wrong with this strategy, it might require the spouse to take
more taxable income from the IRA than what he/she really
needs when he/she inherits the IRA. If income needs are not an
issue for the spouse and children, then naming younger beneficiaries (such as grandchildren or great-grandchildren) allows
you to stretch the value of the IRA out over generations. This is
possible because grandchildren are younger, and their required
minimum distribution (RMD) figure will be much less at a
younger age (see example below).
Example:
Traditional IRA worth $500,000 on 12/31/2009
Owner: Dave (deceased 12/1/2009); *IRA Inherited by:
a) Spouse: Mary (Age 73 in 2010)- Mary will have to take an
RMD of $20,234 in the year 2010
b) Son: Mike (Age 55 in 2010)- Mike will have to take an
RMD of $16,892 in the year 2010
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c) Granddaughter: Julia (Age 28 in 2010)- Julia will have to

take an RMD of $9,042 in the year 2010
d) Great Grandson: Dallas (Age 6 in 2010)- Dallas will have
to take an RMD of $6,519 in the year 2010.
*Each beneficiary will have to continue to take the RMD each
year thereafter based on the new life expectancy figure which
must be computed each year from the IRS Publication 590
(IRAs) from the Appendix C- Life Expectancy Tables section.
If Dave is careful in beneficiary selection, the younger the
beneficiary the less the RMD payment. This allows the IRA
value to continue to grow tax-deferred, thus allowing it to
stretch to several generations.
12
Become Heir to a Fortune
Instead of selling off other assets,

we sold one of Eds life insurance policies.
That eased our burden financially and gave us peace of mind.
Pam Mcmahon, wife of Ed Mcmahon,
on working with a company I represent in selling
a life insurance policy to investors.
What if I told there was an asset class only the super rich had
access to until recently?
What if I told you Warren Buffet invests sizable amounts of
his fortune into this asset yearly?
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What if I told you large banks have long invested in this asset
to create secure returns?
What if I told you this asset doesnt care if the market is up,
down, or sideways?
What if I told you this asset doesnt care about interest rates?
What if I told you it was backed by some of the largest and
strongest companies on earth?
What if I told you only 1% of those who invested in this asset
ever lost any money?
What if I told you this asset averages a double-digit yearly
return on investment?
Would you say, Where do I sign?. If so, Im glad you like

the idea, but this isnt a sales presentation, and this book isnt
advice. None of it is. Its simply ideas presented to you for information. It isnt solicitation either. If you like what I have to say
schedule an appointment, to review your needs. No client is like
any other client, and no investment is right for everyone.
THAT BEING SAID READ ON!
If you werent born with a rich relative who is leaving you all
of their money, what if you could - out of thin air - create one?
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What if you could become the beneficiary on large life insurance

polices of older individuals with health issues?
Sounds kind of tacky, doesnt it?
Its not. Let me explain. There are now products on the
market called Fractional Life Settlements. This is not an
annuity. Life insurance is a transferable asset. The Supreme
Court case of Grigbsy v. Russell (1911) established the policy
owners right to transfer an insurance policy. This means the
owner has the right to:
Change the beneficiary designation (unless subject to
restrictions)
Assign the policy as collateral for a loan
Borrow against the policy
Sell the policy to another party
This means you can buy other peoples life insurance policies at a discount.
You can then become the irrevocable beneficiary.
They get money now. You get a great asset with a guaranteed pay-off. The only thing we dont know is how much
time will pass before the return on investement occurs. We
can make that risk small by only buying policies which meet
certain standards.
What is a Fractional Life Settlement?
A fractional life settlement is buying a part of someones life
insurance policy from them while they are still alive. In return,
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you become the beneficiary on the portion of the policy that

you own.
Why would anyone sell their life insurance policy?
Many seniors who at one time had a lot of money have run
into hard times. Health issues, unexpected losses in their retirement accounts, increases in the cost of living, etc. are some of
the reasons.
Sometimes these seniors just want to enjoy life, and see their
life insurance policy as unwanted. I work with a company that
will buy these policies, assuming they meet certain criteria. The
policy must be investment grade.
What is an investment grade life insurance policy?
An investment grade life insurance policy must meet the following criteria:
The insured must be past a certain age, it must be a permanent life insurance policy (in other words, we dont buy term
policies), and the insured must have a life expectancy that is less
than a certain time period, typically 5-7 years.
As an example
John is 85 years old. John has a $5,000,000 life insurance
policy. John has congestive heart failure. He has recently
decided he needs more money to pay his medical bills. My com-
71
pany (the one I work with) will buy his life insurance policy at a
discount. Lets say they offer John $2,000,000 for his $5,000,000
policy. John accepts because he wants money now instead of
after hes already dead. He can no longer afford the premiums,
and if he tried to keep the policy, he would have lost it all. The
insurance company would love John to let his policy lapse. We
cant let that happen. My company now owns Johns policy, and
we have paid 3 years of the premiums on it. I mention to you
that I am going to sell part of his policy to outside investors. You
decide to buy $100,000 of Johns life insurance policy. Since we
paid $2,000,000 for it you now own 5% of a $5,000,000 policy.
When John dies, you will get $250,000 or 5% of $5,000,000.
Your only risk is if John lives a really long time. The average rate
of return for this type of investment is in the high double digits.
We have averaged a 30% return on senior life settlements with
very little risk to your money. Only 1% of all transactions have
ever returned negative. Source: An audit by an outside firm. I
hesitate to include those numbers because they are so high. I
dont think you should expect 30%. Thats the average. You
might make much less. You could make more, but thats rare.
To lose money, John in this case, would have to live to around
age 100. Past performance doesnt mean you will get the same
results. Our goal is to make 10% and above. Can you lose
money in this type of investment? Yes. Is it likely? Not at all.
* Life settlements are only offered to accredited investors. You
must meet certain requirements to purchase. This includes investment experience and net worth.
There are many other considerations when looking at these
types of investments. A major one is that the money held in a
life settlement is not liquid at all. Until the person dies, your
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money is tied up unless you sell your interest in the agreement

to an outside party. If this interests you, please contact me for
more details, full disclosure and current offerings. Remember
the rule of 72? If you made, for example, 14% how fast would
your money double? The answer is 5.41 years. I cannot promise
you that will happen, but it certainly can. If you made 12% and
your money doubled in 6 years, thats still a great investment. If
you made 8% and your money doubled in 9 years, thats also a
great investment. Chances are, this is a great investment for you
if you have over $500,000 in investable cash. There is a small
risk. You should not put 100% of your money in life settlements.
13
Create A Tax Free Estate
Read my lips, no new taxes.

George H.W. Bush
What if I told you that YOU can create a legacy?

What if I told you that YOU can make sure all the future generations of your family are well- to -do?
What if I also told you that you can spend like crazy, never
run out of money, AND leave behind a huge tax free pool of
money?
Whats the best investment on earth besides your local church
and people?
Life insurance.
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Before you throw up in your mouth, let me explain. Lets go

back to this client of mine with $2,000,000. He hates life insurance. Several clients of mine hate life insurance. Its normal. I am
actually going to send this particular client a copy of this book
when its done. Hes a smart person. Most of my clients are. Hes
just been misinformed when it comes to life insurance. I know
not everyone has $2,000,000. The point is not the amount of
money, its the return, which is the same no matter the amount.
When dealing with life insurance the internal rate of return is
affected by your age and your health.
You see, in reality, here are your options:
1. Pay for life insurance outside of an annuity, which creates a
tax-free estate (when done correctly). The death benefit is tax
free generally. In some cases advanced estate planning is
needed.
2. Pay for life insurance inside an annuity as a rider. This creates a taxable estate. Its a good option but real life insurance, if
you qualify, is better. Rider fees are usually around a half a percent to 1% yearly. Some are more. You get what you pay for,
typically.
3. Have no life insurance at all and leave behind a taxable
estate.
I personally think this is a horrible option even if you have
millions of dollars.
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The more money you have the worse this option is, in my
opinion. Why? Because of estate taxes, income taxes to your
beneficiaries, etc. These taxes are designed to kill your financial
legacy when you die. Life insurance is designed to keep your
wealth in your family.
Why wouldnt you want to do that? If its because you want
your heirs to make their own way, I can respect that. A properly
set up trust can make sure they dont go spend their inheritance
quickly. It can also make sure they dont get so much money at
once that it ruins them. It will only provide an advantage. Who
doesnt want their kids and their grand kids to have an
advantage?
Now, as Ive shown you earlier, life insurance is not only a
good investment for future generations, but since its your
policy, you can sell it just like its your house. This means if
those wonderful children of yours make you mad, you can sell
your life insurance. Hang that over their head when they dont
help with the dishes at Thanksgiving! I am joking here. Life
insurance also build cash value inside of it. The cash value can
generate tax-free income, when taken properly. There is a whole
book dedicated to this subject called Tax Free Retirement by
Patrick Kelly. I suggest it.
So
Is life insurance a good investment for me?
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There is actually a very easy way to determine that. Its called

IRR. That stands for Internal Rate of Return. I will use an
example here to show you what Internal Rate of Return is and
how it works. First, let me teach you how to find the IRR of a life
insurance policy.
So how do we calculate actual IRRs on a Guaranteed Premium Universal Life policy?
The annual premium is a fixed amount and we can think of
this as the Payment (Pmt).
The number of years the premium is paid before death occurs
is (N).
The Future Value (FV) is the Death Benefit of the policy.
Since we already know the Payment (policy premium), and
the Future Value (Death Benefit), the only thing, we dont
know is the number of years until the death benefit is triggered.
We can start by determining the average years of life expectancy
remaining after policy inception. We look that up on a Social
Security Table. We can then calculate the IRR to Life Expectancy (LE). And we can also calculate IRR based on death at any
age along the way.
We know how much were putting in every year, and we know
what the ultimate payout will be. We just dont know when.
Since the Death Benefit will be paid out income tax free, we
can also calculate Taxable Equivalent IRRs based on what
returns it would take in the taxable world to equal what will be
achieved on a Tax-Free basis with Life Insurance.
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Example:
Client age: 66
Premiums per year: $18,000
Coverage: $1,000,000
Premiums are less than 2% of the benefit per year.
If the client dies at 71 years old, the annual IRR is 94.77%; 76
its 36.44%; at 81 his life expectancy is 15.17%, at 86 its 8.97%
and at 91 its 6.23% and so on.
This doesnt even take into account the tax equivalent yield. A
tax-free yield of around 5% is equal to a taxable yield of around
8% assuming a 28% tax bracket. I dont know about you, but I
like sticking it to the IRS LEGALLY.
Yes, youre correct that you will not personally see the benefit
of this. Let me tell you what I love to do for clients who want to
have their cake and eat it too.
Those clients who want to spend their money but also want
to leave it all behind.
Do you recall when I said you cant spend all your money and
leave it all behind? Thats true, but you can spend most of it and
leave all of it behind. How?
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Simple. Take your nest egg and invest it in a Fixed Indexed

Annuity with an Income Rider. Then use part of that income to
pay for life insurance. Let me give you an example. Since we are
focused on this client with $2,000,000 lets use that example
again.
Here are seven steps this client could take to spend his
money and leave it behind.
1. Invest $2,000,000 into Indexed Annuities with an Income
Rider.
2. Take an income of roughly $140,000 from the Income
Rider.
3. Use $35,000 of that income to buy a $2,000,000 life insurance policy.
4. Set up a trust.
5. Designate the trust as the beneficiary .
6. Spend with confidence and live life.
7. Know you have not only secured your own life time income
but also changed the future of many generations.
If you have a hard time understanding this, I know such matters can be confusing. Contact me, if you have questions. When
dealing with tax implications, stretch IRA set up, trusts and so
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on, things get complicated. You need professional advice. I am

not a lawyer or CPA, but I work closely with the best around.
This book is not advice for your particular needs.
14
Why A Trust Is A Must
Never say you know a man until you have divided an in

heritance with him.
~ Johann Kaspar Lavater
This chapter deals with some ugly things such as divorce and
death. I made it comical because if we cant laugh, we cry. I hope
my use of comedy in an area such as this is acceptable.
I am not a lawyer, but I work with lawyers who are excellent
in this area. This information is not legal advice, its just information.
Sitting down with clients, I always ask if they have a living
trust. The answer is almost always, No. My reply is always,
Why not? .
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Probate is horrible. It costs you money. It ties up your assets,

or can. It is public information, and its easily avoided.
What is probate?
Hi! Youre dead. Not really, but lets pretend you are. Since
youre dead, who is going to sign your name? The judge will.
Thats probate. Lawyers love probate because they charge a fee,
usually 4-7% of all your assets, to help out. This means if you
leave your family $1,000,000, and it goes through probate, those
nasty little blood sucker lawyers are going to get up to $70,000
of your money.
What do you do?
Pay those blood sucker lawyers a couple thousand now and
avoid the probate fees.
No offense to my lawyer friends.
How do you avoid probate? By setting up a living trust.
I am not going to go into all the particulars of a trust here. I
dont get paid to do that, and I know enough to be dangerous. But I will tell you some basics.
What else does a trust do?
When set up correctly, a trust not only stays out of probate, it
also protects against creditors and predators.
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For example, lets say you want to leave your money to your
son, Willy. Willy marries a girl named Silly. You have life insurance and when you die, Willy gets $1,000,000. Silly sees that
Willy has just hit the big time. She files for a divorce and takes
$500,000 of that inheritance. Shes a Nice Girl. You wanted
the money to be passed on to your grand kids if Willy wasnt
there. Instead, half of your money went to Silly, and she spent it
all in three years on cars, plastic surgery and vacations. Willy is
heart broken and spends the other $500,000 bar hopping.
Tragic isnt it?
If you had a trust that was set up correctly, that would not
happen. You see, Willy wouldnt inherit $1,000,000, the trust
would. Since Silly is not married to the trust, she cant divorce
Willy and take his inheritance. The trust also designated a
trustee and a successor trustee for the benefit of Willy and his
future children. This can also prevent Willy from blowing a million dollars on Silly while they are still married.
Seriously, you need a trust. When Willy (or your heirs)
inherits a million dollars (or any substantial amount), Silly or
his or her spouse might really run off to some island with your
money, honey. However, you will set up a trust if youre smart,
and in the end Silly and Willy stay married. Your grand kids are
raised in a two-parent home, and Willy never develops a
drinking problem. All because you set up a trust. Im being a bad
comic here but in reality, this isnt that funny. The fact is,
divorce divides fortunes even several generations later.
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Im tired. Its late, and Im drinking coffee to finish this book,

so excuse the nursery rhymes. I think they add a little flavor to
an otherwise burdensome subject. I hate divorce. Im married
and I love my wife. I hope we never divorce. Finances cause
almost 50% of divorce, and there should never be a financial
incentive to divide a family.
So
Instead, lets say Willy inherits your $1,000,000 life insurance
policy and the next day he goes to the bar and has two beers.
Hes not drunk. Hes just celebrating your demise. I mean,
mourning over the loss. Willy leaves the bar with Silly. He gets
into an accident thats not even his fault. Unfortunately for him,
he ran into a professional accident waiting to happen. This
person calls up the best lawyer in town who sues Willy and Silly
and takes your $1,000,000 life insurance benefit that you left to
your son. Willy and Silly end up on food stamps and talk about
the good old days when they used to be millionaires. They end
up divorced. Broke people are stressed people.
If you had a properly set up trust, this wouldn t, or at least
shouldnt, happen.
You see, Willy didnt inherit $1,000,000 - the trust did. Since
the trust didnt get into a car accident, this poor little devil of a
person wont get your $1,000,000 that you left for your son.
Thats another advantage to a trust. There are literally hundreds
of good reasons you should have a trust. A will is not sufficient. I
hope this helped you learn something about a living trust. If you
already have a trust, I suggest having someone give it a look over
every now and then to keep it updated or provide a 2nd opinion.
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After all, its just your legacy, your life savings and your hard
work that created your estate.
15
The Best Annuity For Last
Everyone brings out the choice wine first and

then the cheaper wine after the
guests have had too much to drink;
but you have saved the best till now.
John 2:10
Im pretty sure the saying saving the best for last came
from this passage in the Bible.
I am no Jesus but in grand finale fashion, I believe this to be
the most exciting chapter of this book.
Im feeling like removing the ceiling. What do I mean?
I am buying a convertible? No.
What if you could find a Fixed Indexed Annuity with no cap?
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WaitAre you saying I can have total safety on my money

and unlimited growth? Yes, I am. There are some trade offs but
yes, thats what I am saying, right here in black and white. Ive
put it in writing, as they say.
What if there was no limit on your upside potential, and
you still had downside protection? Obviously, there is no
such thing, right?
Wrong. There actually is; however, there is, of course, a
catch. Its called a spread or, sometimes, a fee. I hate fees, but
in this case they can actually be good. Do you remember our
example of a Fixed Indexed Annuity with a cap of 8% per
annum? What if, instead of a cap, you had a spread? NOTE: A
fee can be good, COMPARED to a cap. A spread, in my
opinion, is the best because its only applied when you make
money.
What is a spread?
Simple. A spread is the difference between the return of the
index and what you actually make in any given year. Lets look at
an example. Lets pretend you have an indexed annuity with a
spread of 4% for each year. Granted 4% is a lot, but looking at
the yearly returns of the market it usually breaks double-digit
returns in years when it goes up.
So, lets look at 2008- 2013 as an example. If you had an
indexed annuity linked to the S&P 500, with an annual reset and
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a spread of 4%, what kind of return would you have made? In

2008, the index lost almost 40%. No spread would apply, and
you would have just made 0% that year. Zero is your hero! In
2009 the S&P 500 returned 23.45%, so minus the 4% spread
you would have made 19.45% that year. In 2010 the S&P
returned 12.78%, so minus the 4% spread in this case you would
have made 8.78% that year. In 2011 the S&P returned 0%,
so since the spread only applies to years when you make money
you would not be charged a spread. In 2012 the S&P returned
13.41%, so minus the 4% spread you would have made 9.41%
that year. In 2013, the S&P returned 29.60, so minus the 4%
spread you would have made 25.60% that year. The index
returned 6.79% a year on average from 2008-2013. This annuity
in our example would have returned over 10% per year on
average. Protect your downside risk. It can lead to better long
term accumulation.
This example includes the worst year in stock market history
from recent memory. To admit my bias that makes the annuity
look great, but thats the point. The point is, you can make great
returns without the risk.
NO!! You will not make the full gain of the market or index
when it goes up, but you can make a good portion of the upside,
and none of the downside. Its not brain surgery. There are
many variables of uncapped and capped indexed annuities.
These are just examples to show you how they work. I am not
marketing or selling a specific product here.
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In the long term for young investors, the market is a great

place to be. If youre over 55 and have a substantial amount
saved, you should protect it. You almost certainly dont have the
time horizon needed to make up the losses WHEN not IF
another year like 2008 comes around. You, in all probability,
dont want the emotional roller coaster. You probably want to
protect your nest egg, not just grow it.
People have home insurance, car insurance, life insurance,
health insurance but dont have WEALTH INSURANCE.
Thats what we can do for you. We can show you how to have
WEALTH INSURANCE. Is there any reason you want to risk it
all and end up broke?
Do you really trust the market? Do you trust this economy?
Do you trust this president?
Will the next one be any better? Do you think we have had a
real recovery?
These are the questions you should consider. Will you run
out of money? Do you know exactly how long your money will
last? How many years are left before the market crashes once
again? Are you prepared to lose 40% once more? Can your portfolio handle that?
I know these are very tough questions, but love is tough
sometimes. We care. Id love to talk to you personally. I dont
mean to toss the word care around. I try to live as a Christian
with a biblical standard and a world view. Jesus commanded us
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to love our neighbors as ourselves. If you were given a copy of

this book, we could be neighbors. We most likely shop at the
same places. We might go to the same church. Our kids may
play together. Regardless, all men are Gods creation and its my
job to be a light to you. I hope this, my humble attempt to help
you understand financial matters, has helped you.
16
Gold, Guns, God
With the exception only of the period of the gold standard,
practically all governments of history
have used their exclusive power to issue money
to defraud and plunder the people.
F.A. Von Hayak
This is my political, ideological and religious rant ,so if you

arent a conservative or a Christian you should just skip it.
I dont mean to sound too much like a typical Texan, but
besides annuities, life insurance and life settlements, there are a
few other things I would invest in. Those things are God, gold,
and guns. People say, Dont discuss politics and religion with
clients. I say, This is my book, and you dont have to read it.
By God , I mean you should give to your local church. Since
youre most likely a Texan as well, you are probably saying thats
none of my business. I agree; its not. It s just a suggestion.
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Once I started to give 10% of my income to God, I discovered

you cannot out give God. Its really true! I prefer to do business
with Christians and Christians alone. If you arent a believer, I
will take you on as a client, but I will also pray for you. If that
bugs you, dont do business with me. I dont mean to be closedminded, but I believe in things like being pro-life. If you arent a
Christian, we probably disagree. I dont judge or condemn
anyone for their mistakes or things they have done. I know I
have made a ton of them! I am not perfect. If you only like flawless people then youre the first perfect person Ive ever met.
I believe God loves you. I believe He sent His only son to die
for you. I believe God commands me to love you and all other
men and women as well. Even if we disagree, I would happily
help you if I have it in my power to do so. For example, If youre
jobless and voted for Obama, I might think you dug your own
grave, but I will still help you out of it if I can. I believe in the
right of people to assemble and worship God. I dont mean to
offend anyone. Thats not my aim. I also believe in freedom of
speech so if you want to grab a sign and scream that I am a bigot,
I believe you have that right. I believe Jesus died on the cross for
my sins and yours. I believe by giving to your local church you
open the doors of heaven for God to bless you. That assumes
you are a believer. If you arent, I suggest reading the Bible and
asking God to reveal Himself to you.
By gold, I dont mean gold alone. I mean in tangible actual
precious metals. Inflation is a real concern, and chances are you
may need some inflation protection. Precious metals are a great
tool for combating inflation. I dont sell gold. I dont sell silver or
anything of the sort. I suggest you allocate 5-10% of your port-
Gold, Guns, God
95
folio into such assets if you can. Real estate is also a good option
if gold isnt your thing.
By guns, I mean guns. I believe in the right to bear arms.
Guns protect all the other rights we have, such as freedom of
speech. In Texas, for example, we have a much lower crime rate
than states where gun control is in control. In Texas gun control
means using two hands. If someone breaks into your house in
the middle of the night, you can stop them from killing you,
your wife, or your children far faster than the police will arrive.
In addition, guns tend to appreciate in value. Many guns have
lifetime warranties and are very easily sold. In this way, I think of
guns as savings accounts with benefits.
One last thing: vote Republican in 2016! We must stop the
liberal assassination of America, its values, and its constitution.
We dont have a perfect Republic but we have the last beacon
for freedom on earth. May it ever be so.
So as we say in Texas
God Bless Yall,
Eric G. Edwards
Conclusion
In summary
The market is rigged. Your stockbroker is probably not interested in your benefit. Fixed Indexed annuities can make you
great returns with zero risk to your principal, and protect each
years gains as well. If you need income for life, you should look
at an annuity with an income rider. If you want to pass on
money to your kids, add a death benefit rider to the annuity, or
buy life insurance. You can always do both. You need a trust.
A will is not enough. Too much stock market risk past the age
of 55 will probably bite you in the end. Life insurance can create
a great tax-free estate. The IRR of life insurance makes it one of
the best investment choices in the world, in spite of what Dave
Ramsey tells you. I like Dave Ramsey, but his advice is geared
towards younger couples. I work with primarily older high net
worth couples. Two separate worlds.
Life settlements are an amazing investment. They carry some
risk, but not the kind of risk stocks have. They have better
returns than the market historically, with much lower risk.
97
98
Last but not least, put God first in your life and He will put
you first on His list of people to bless. I believe that. It may not
always be in material ways, but God knows what we need.
Id love to sit down and talk sometime. Give me a call and let
me know if you loved or hated my book.
Eric G. Edwards - Wealth Manager
Member of the National Ethics Association
Senior Vice President
Sovereign Asset Management
Owner
Edwards Financial Strategies
www.sovereignassetmgmt.com
817.704.8707
777 Main St. Suite 600
Fort Worth, TX 76102

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Crash Proof

Copyright 2014 Eric G. Edwards

The Street Mentality ............................................ 1

Wall Street is the ONLY place on earth where