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Retirement Choices

FREEDOM to do, be and have anything that You ever wanted in Your Life

“Live life on your terms “Living Your Dream” were you decide how much money you want to enjoy in your life, while only working when, where, and how you want to from anywhere in the world”

Retirement Funding

Once again thank you for your interest…

I’am Gary Williams…

Lets Take A Look At What Should Have Happened

I have found that a good place to start any story is at the beginning…

I am assuming that like many people you have not made sufficient provision for your retirement…

So, what should have happened…

And what should we have done…

Well what should have happened is that we should have saved more for our retirement…

Its not all our fault of course. as you will probably agree with me that “Life” can get in the way sometimes or of course quite often…

The Richest Man In Babylon

As the military says “No plan survives first contact with the enemy”…

The problem was increased by the fact that if you are like me you probably did not have a plan…

Financial Planning for Retirement was not taught at school and my parents were not so inclined…

Now what we should have done, is taught in the famous book by George S Clason – “The Richest Man In Babylon”…

So “If” we had been aware of, read, and followed Clason’s advice then there would have been a strong possibility that this would have happened…

Investing For Retirement

“You see because you have always earned money you think you will always have money…well one day we will all run out of money…the idea is to prolong that day as far away as possible” – B Feldman

Retirement Planning

Early Retirement Planning : How Much Do I Need To Retire

How Much Do I Need To Retire

 “To make reliable decisions you must always weigh how right you think you are against how sorry you will be if you turn out to be mistaken.” – Jason Zweig

One of the most difficult financial planning questions to answer is: How much do I need to retire?

According to BlackRock’s Annual Retirement Survey, 50% of savers said that they don’t know how much they need to save to support themselves in retirement. Yet, this same 50% believe that they would save more if they knew how much they needed to reach their retirement goal…

There’s not a right or wrong answer when considering how much you need for any long-term goal, especially retirement. It’s more like a moving target…

Picking one number to shoot for can be helpful, but is probably unrealistic. As you age you can adjust your savings goals and portfolio risk to account for your changing circumstances and needs…

Yet you still need to run the numbers to get a general sense for how things will work out depending on different saving and investment performance assumptions. Using a simple online retirement calculator is a great way to perform some scenario analysis and play around with different numbers…

This can be useful up to a point.  The biggest problem with these calculators is how rigid they are. Most have you fill out your return and saving assumptions that never change over the course of your career…

So you would input that you have $15,000 saved, plan to save $300/month with 30 years until your target retirement date and an assumed 7% return on your investments. Then is spits out your ending balance…

These calculators do a great job of showing you the benefits of compound interest, but don’t replicate real world scenarios very well. They don’t take into account the fact that most people save more as they age and increase their earnings power. Most investors also decrease portfolio risk as they near retirement, which can change investment return assumptions as your balance peaks in value…

REAL WORLD RETIREMENT CALCULATOR

To see how a long-term investment plan would fair using real world results, I thought it would be interesting to run some different scenarios using actual investment returns that vary from year to year along with some different asset allocation weightings and saving assumptions…

I’m still using assumptions just like the retirement calculators, but hopefully this will give you a better sense of how a long-term plan can work under actual market conditions, not a single assumed return that you come up with on your own…

Here are my portfolio parameters and assumptions:

  • The S&P 500 is used for stock returns and the Barclays Aggregate Index for bonds (the 10 year treasury was used as a proxy until the inception of the BC Agg in 1976). This is because they are the most well-known benchmarks, but they also come with the most reliable long-term historical data going back a number of years.
  • The assumption was that this individual would start at age 25 by stocking away $200/month ($2,400/year); Increased to $300/month ($3,600/year) at 35; Increased to $400/month ($4,800/year) at 45; And by age 55 it would be $500/month ($6,000/year). Retirement age was set at 65 for a 40 year time horizon.
  • The assumed costs of the portfolio were 0.40% per year (0.20% for stock and bond index funds, respectively). That means these performance numbers are net of fees.
  • Asset allocations are listed in the results and the portfolio was rebalanced annually.

SCENARIO 1: RETIRE IN 2012

The first scenario was for someone retiring in 2012. Here are the results broken out in 10 year increments:

Scenario 1

You can see the returns were pretty solid at 8.7% per year. Forty years of saving and investing let compound interest do the bulk of the work. The ending balance was over 8 times the total amount saved. This illustrates the benefits of sound saving, asset allocation, rebalancing and risk management over the long-term

SCENARIO 2: RETIRE DURING A CRISIS

When you time your retirement can have a large impact on your portfolio’s ending balance depending on market conditions. Retiring in 2012 meant you had a four year run of good returns to juice your ending balance…

I wanted to see how the results would be affected by retiring during a downturn in the markets. Here are the results if you would have started your career a few years earlier and retired right after the crash of 2008 (same assumptions, just a different time frame):

Scenario 2

The results actually aren’t much different. The average returns are higher, but the below average market returns leading up to the retirement date meant that the ending balance was lower than the previous scenario. This is because the timing of your returns matters in relation to the size of your portfolio…

It did help having a 60/40 portfolio when stocks crashed in 2008. That’s why your risk profile is much different in your 60s than it was in your 20s…

You can see that most of the heavy lifting for the performance for both scenarios was done during the 1980s and 1990s. These were two of the best decades ever to be an investor. Stock valuations were low going into the 80s and bond interest rates were high…

What if those returns aren’t seen again in the future..

SENARIO 3: TAKE OUT THE 1980s & 1990s RETURNS

This scenario takes out the large returns from the 80s and 90s by choosing a retirement date of 1979. Here are the results (again, same assumptions, just different period):

Scenario 3

Knocking out those two decades did change the results as the portfolio value is almost $300K lower. The average returns were similar, but the timing of those returns really matters as the performance in the 1970s was poor as you got closer to the retirement date…

Luckily, even when you retire you still have 20-30 years to continue to invest, even though now you will be taking distributions for living expenses. Your tolerance for risk will change but you will still have a fairly long time horizon to continue to increase the value of your investments…

LESSONS

You could play with different numbers and scenarios all day and things would look different depending on when you start saving, how much you save and when you decide to retire…

The point of this post is to show you how an actual long-term plan would have performed historically. Staying in the markets over very long periods can lead to amazing results…

Increasing the amount you save can also have a strong effect on your ending balance. Adding only $50/month to the amount you save in scenario 3 brings your total up to just shy of the $1.3 million balance seen in the first two scenarios. Only $600 more a year and your results are dramatically improved…

You don’t have to save over $1 million to be financially secure.  That’s just how these numbers worked out when I plugged them in.  What matters is your lifestyle, your spending habits, and how you want to spend your days once you are financially independent…

No one knows what the future holds for financial market returns. Looking at historical results can give you a perspective on how to view your present situation to come up with a plan for the future. You’ll be forced to make adjustments along the way, but as Warren Buffett once said:

“I’d rather be approximately right than precisely wrong.”

What if You Only Invested at Market Peaks?

Harvard Business Review (HBR Posted on February 25, 2014)

“Warren [Buffett], it strikes me that if you did nothing else you never sell. That is, if you can grit your teeth through and just disregard short-term declines in the market or even long-term declines in the market, you will come out well. I mean you just stick all your money in stocks and go home and don’t look at your portfolio you’ll do far better than if you try to trade it.”  – Alan Greenspan

Meet Bob*…

Bob is the world’s worst market timer…

What follows is Bob’s tale of terrible timing of his stock purchases…

Bob began his career in 1970 at age 22…

He was a diligent saver and planner…

His plan was to save $2,000 a year during the 1970s and bump that amount up by $2,000 each decade until he could retire at age 65 by the end of 2013 (so $4,000/year in the 80s, $6,000/year in the 90s then $8,000/year until he retired)…

He started out by saving the $2,000 a year in his bank account until he had $6,000 to invest by the end of 1972…

Bob’s problem as an investor was that he only had the courage to put his money to work in the market after a huge run up…

So all of his money went into an S&P 500 index fund at the end of 1972 (I know there were no index funds in 1972, but just go with me here…see my assumptions at the bottom of the post)…

The market dropped nearly 50% in 1973-74 so Bob basically put his money in at the peak of the market right before a crash…

Yet he did have one saving grace. Once he was in the market, he never sold his fund shares. He held on for dear life because he was too nervous about being wrong on his sell decisions too…

Remember this decision because it’s a big one…

Bob didn’t feel comfortable about investing again until August of 1987 after another huge bull market.  After 15 years of saving he had $46,000 to put to work. Again he put it in an S&P 500 index fund and again he invested at a market peak just before a crash…

This time the market lost more than 30% in short order right after Bob bought his index shares…

Timing wasn’t on Bob’s side so he continued to keep his money invested as he did before…

After the 1987 crash Bob didn’t feel right about putting his future savings back into stocks until the tech bubble really ramped up at the end of 1999. He had another $68,000 of savings to put to work. This time his purchase at the end of December in 1999 was just before a 50%+ downturn that lasted until 2002…

This buy decision left Bob with some more scars. but he decided to make one more big purchase with his savings before he retired…

The final investment was made in October of 2007 when he invested $64,000 which he had been saving since 2000. He rounded out his string of horrific market timing calls by buying right before another 50%+ crash from the credit blow-up…

After the financial crisis he decided to continue to save his money in the bank (another $40,000) but kept his stock investments in the market until he retired at the end of 2013…

To recap, Bob was a terrible market timer with his only stock market purchases being made at the market peaks just before extreme losses…

Here are the purchase dates, the crashes that followed and the amount invested at each date…​​​​​​​

Asset Allocation

Luckily, while Bob couldn’t time his buys, he never sold out of the market even once.  He didn’t sell after the bear market of 1973-74 or the Black Monday in 1987 or the technology bust in 2000 or the financial crisis of 2007-09…

He never sold a single share…

So how did he do…

Even though he only bought at the very top of the market, Bob still ended up a millionaire with $1.1 million…

How could that be you might ask…

First of all Bob was a diligent saver and planned out his savings in advance. He never wavered on his savings goals and increased the amount he saved over time…

Second, he allowed his investments to compound through the decades by never selling out of the market over his 40+ years of investing…

He gave himself a really long runway…

He did have to endure a huge psychological toll from seeing large losses and sticking with his long-term mindset, but I like to think Bob didn’t pay much attention to his portfolio statements over the years.  He just continued to save and kept his head down…

Obviously, this story was for illustrative purposes and I wouldn’t recommend a portfolio consisting of 100% in stocks of a single market like the S&P 500 unless you have an extremely high risk tolerance. Even then a more balanced portfolio in different global markets with a sound rebalancing policy makes much more sense – see Total Returns below…

The Importance Of MPT and Diversification

 And if he would have simply dollar cost averaged into the market on an annual basis with his savings he would have ended up with much more money in the end (over $2.3 million) – here is the Gold (simply dollar cost average into the market using a monthly savings plan)…

But then he wouldn’t be Bob, The World’s Worst Market Timer…

Lessons from Bob’s Journey

  1. If you are going to make investment mistakes, make sure you are biased towards optimism and not pessimism. Long-term thinking has been rewarded in the past and unless you think the world or innovation is coming to an end it should be rewarded in the future. As Winston Churchill once said, “I am an optimist.  It does not seem too much use being anything else”…
  2. Losses are part of the deal when investing in stocks.  How you react to those losses is one of the biggest determinants of your investment performance…
  3. Saving more, thinking long-term and allowing compound interest to work in your favour are your biggest accelerators for building wealth. These factors have nothing to do with picking stocks or a complex investment strategy. Get these big things right and any disciplined investment strategy should do the trick…

Financial Planning For Retirement

How To Retire Early: Retirement Calculator : Pension Calculator

How to Retire Early

“I am hoping to retire early and would be interested in your thoughts on early retirement, how to plan for early retirement and how to approach saving/investments in order to meet an early retirement goal”…

Harry Sit, who writes The Finance Buff blog, is someone who is actually at the point where he can retire early. He’s shared many of his personal experiences and advice on how he’s gotten to this point. Here’s what he had to say in a profile on Mint this week…

“The goal isn’t necessarily to retire, but rather being able to retire. Having enough money to retire in our 40s gives us the freedom to choose what we do. It could be to work in a venture for personal and professional achievement. Or it could be freeing up time for hobbies outside work…

While early retirement may sound like a dream scenario for people in their 20s and 30s who are still trying to find their calling in life, priorities and career objectives change over time…

It’s possible you get into your 40s or 50s and realize you still have some work-related goals you’d like to accomplish. As with all financial goals, you have to keep your options open”…

There’s no secret to early retirement, either. This was Harry’s advice on how to make this dream a reality…

“The strategy is simple and obvious: earn a good income, save a large part of it and invest the savings well. Each of the three parts is important, and I would say a good income is the most important. Without a good income, you just don’t have as much to work with. A good income also makes it easier to save a large part of it…

When you invest it well, you are then adding more to a larger sum”…

Here are a few things I would add to Harry’s tips for early retirement preparation

Lifestyle creep is probably one of the biggest hurdles over time for building a large enough nest egg to retire early (or retire at all for that matter). It can be difficult to resist the urge to spend all of your income gains over the years as you start to make more money. One of the hardest things for people to do is be happy with what you have and keep your standards of living relatively constant over time…

Figuring out ways to save money is the easy part; getting your priorities straight is the hard part. Unless you’re banking on a large inheritance, or earn a large salary, you’ll have to save a fairly large chunk of your earnings (I’d estimate 40-60% depending on your spending requirements). There will likely have to be sacrifices made when it comes to things like big houses and new cars…

The average life expectancy continues to rise. You have to take this into account when considering early retirement. If you retire in your 50s, your investments could have to last you another four decades or so. Your retirement years could actually end up being longer than your working years. The planning required to make this happen is no easy task…

I think it’s great that young people are thinking about these issues because the nature of employment has changed drastically in recent decades. We no longer work for the same company for our entire career and retire with a pension and our healthcare costs taken care of…

So the only other piece of advice would be to develop enough marketable skills to be able to make yourself very employable in case something goes wrong or you realize that you’d like to continue working, just not in your current role…

The way I look at it is that having your financial affairs in order gives you the flexibility to pursue the type of work that makes you happy, keeps you driven or provides you with the most satisfaction in life. Most of the people I talk to that want to retire early hate their jobs…

So I prefer to think about this question in terms of how you can create enough flexibility for yourself so you don’t have to stay in a career field or position that makes you unhappy…

Early retirement is possible, but it takes sacrifice, hard work and the right mindset to pull it off…

Retirement Calculator : Pension Calculator

Why Plan For Your Retirement

You see because you have always earned money you think that you will always have money…this is incorrect…one day you will not be able to earn money…disability, illness, unemployment, old age…the question is…

“How much of today’s money do you want to put aside – while you are able to work – for your tomorrows…your future financial security”…

Now your way…

Yes you enjoy yourself now, but you are spending your future financial security, this leads to you constantly worrying over money throughout your life and a lower standard of living in your later life…you will have worked for 45 years with nothing to show for it…and nothing to look forward to…is this what you are working so hard for…is this what you are looking forward to…in your later years…

You can see there is a price to be paid either way , see you can do it your way or you can do it my way…either way there is a price to pay…

Now…

My way you pay yourself first by investing in your future, out of current income, so that you can provide for your ongoing financial security and lifestyle in your later years…

You can now see there is a price to pay either way…the price tag on your financial security is less than the price of doing nothing…may way costs nothing to put in place because the worst that can happen is that when you need money in your future it’s there ….your way has a high price…because your way…when you need that money in your future it won’t be there…you can now see that the highest cost is doing nothing…

“Your only real enemy is time; it disappears in the blink of an eye, and it never gives you a second chance” So the only sensible question is  “How much of today’s money do you want to put aside for your tomorrows…your future financial security – what figure did you have in mind on a monthly basis”…

So the question is how much do you want to put aside for your tomorrows…your future financial security – what figure did you have in mind on a monthly basis for example the amount you need to put aside at a growth rate of 7% over a period of between 5 and 30 years to reach a target amount – Ben Feldman

So for example if your target amount is 500,000 USD in the next 20 years the amount you need to out aside is 1,000 USD pm…

Early Retirement

You Control What Matters Most for Retirement

“I look to the future because that is where I’m going to spend the rest of my life.” – George Burns

Morningstar’s John Rekenthaler had an interesting article recently that discusses what matters most when saving for retirement. He goes over a hypothetical situation where a 42-year old investor is looking at the options for increasing their retirement balance in the future and what would have the biggest impact on the ending balance…

There are a number of assumptions including salary, contribution rate, company match, fees, investment returns and the timing of retirement…

Here are the eight options for what would have helped increase the ending retirement balance the most…

  1. Start saving earlier
  2. Get a higher salary
  3. Increase salary by 4% annually rather than 3%
  4. Contribution rate: Save/invest 8% annually instead of 6%
  5. Company match: Receive a 75% company match instead of 50%
  6. Cheaper plan: Switch to Vanguard and pay 0.22% in fund fees rather than 0.72%
  7. Better funds: Own funds that gain 8% per year before expenses (instead of the assumed 7%)

Retire Later…

Wait two more years and retire at age 69, not 67…

Rekenthaler then went on to run some tests on the numbers to see which of these eight options had the largest percentage increase on the ending retirement balance…

Here’s what he came up with…

Morningstar Retirement

Luckily, the top three options are all within your control. You have the ability to start saving early (or right now), increase the amount you save and increase your time horizon if need be. The other options are not really within your control (although you could try to negotiate a higher salary)…

This is great news for investors. It’s easy to blame Wall Street, politicians, taxes and the economy for the state of your finances. These are all easy scapegoats. In reality, there is nothing you can do to change any of these things, so why spend your time worrying about them when you have the ability to control what really matters…

Too often investors get bogged down in the minutiae of trying to choose the best investments, figure out the economic environment, time the market, guess the direction of interest rates and focus on the complexities of the financial markets that are completely out of their control…

This is done to the detriment of your retirement portfolio by forgetting that the simple tasks like saving early and often, increasing the amount you save each year and concentrating on your long-term investment time horizon are your best bets to financial independence…

Taking care of these simple, yet often overlooked aspects of your investments actually get you about three quarters of the way there. Once you make it a priority to save, increase your savings and think long-term, you can focus on keeping your costs low, setting the correct asset allocation that fits within your risk profile and time horizon and automating your investment plan as much as possible to avoid costly behavioural mistakes that the majority of investors succumb to on a regular basis…

After you have all of those things in place, and you are 99% of the way there, feel free to focus on the minutiae that will amount to a drop in the bucket of your overall performance. Otherwise, focus on what you can control and spend time on the things that really matter in your life…

Retirement Lifestyle Choices

So you find yourself like I did…

Having worked all of your working life you still have not made enough provision for the retirement that you always wanted…

And you have come to the conclusion that you will have to earn income during or throughout your retirement…

You also realized that as you go older, working would become not only more difficult but more of a burden and differently more distasteful…

So what would be the ideal source of income in your retirement…

One that would provide enough funds to “Live” the retirement that you always wanted…

And one that would not interfere with your lifestyle…

Well This Is What I Did

Firstly…

I urge you to drop everything you are doing right now and read this short email…

Because it will be THE most important information you’ll ever see…

You’re about to discover a NEW way to create your ultimate retirement lifestyle…

You know the retirement that you have always wanted…

Do you remember when you were young saying “Someday I will”…

And it didn’t matter what you wanted to do, you said it without limitation and without a thought for how it would happen…

You just believed it would…

But over the years that “Someday I will”…

Has made you a resident of “Someday Island”…

Some day I will do this…

Some that I will do that…

Some day I will…

Is life on “Someday Island”…

So For You Times Have Changed

When you dream about retirement today do you imagine working until the end of your days…

Working Until The End

Working Until The End

Or, do you visualize this…​​​​​​​

Silver Strand Beach Hong Kong

Silver Strand Beach Hong Kong

Hong Kong Silver Strand Beach

Hong Kong Silver Strand Beach

Father and Daughter Gold Coast Hong Kong

Father and Daughter Gold Coast Hong Kong

My retirement…

​Spent with my family in Hong Kong and the UK…

The retirement that I always wanted…

Doing the things that I want to do, that are important to me…

And ALL of this is possible because of my online business…

It allows me to work anywhere in the world…

With my Laptop and a Wifi connection…

Importantly it all began when I signed up for…

Retirement Lifestyle Choices

Now you may be thinking as you read this letter that it’s too late

That you can’t possibly start a business at your age….

But don’t let these false beliefs hold you back from living the life of your dreams…

​​​​​​​For having the retirement that you always wanted…

In fact according to a recent article in Forbes, 52% of new home business owners are over 55 and 79% are over 45….

So this is something you seriously need to consider….

For me…

If I wanted to do the things that I always dreamed of I had no choice…

As I had not made enough retirement provision to have the retirement that I wanted…

The retirement that I always wanted…

So I made a decision…

One that would change my future, give me back mytime …

Time for ME…

Time to TRAVEL…

Time to do the things I REALLY WANTED to do in life…

And of course spend TIME WITH MY FAMILY and especially my wife and daughter…

Honestly, the first couple of years I struggled and my income was erratic…

I learned some new skills and I thought I had all of the pieces put together…

But for some reason I was making slow progress…

However I was determined I would succeed…

As I REALLY WANTED that retirement that I always dreamed of…

Finally I discovered the missing piece of the jigsaw and everything fell into place…

I found a professional business that had the three key elements that are absolutely crucial to your success…

  1. You have to work with people who have done what you want to do and are willing to help and guide you
  2. You have to have a proven system that’s simple to follow and will work for you even if you’ve never done anything like this before
  3. You need a personal coach who will take you by the hand and show you exactly what to do step by step

The Ultimate Retirement Breakthrough worked for me and thousands of others…

And it will work for you too…

The "Tiffin Lounge" Grand Hyatt Hong Kong

The “Tiffin Lounge” Grand Hyatt Hong Kong

I can now provide for myself and my family for the rest of my life…

Which really takes the stress away…

Knowing that you are no reliant on anybody…

And that everything is taken care of…

I am REALLY…

​​​​​​​What a relief…

My online business that allows me to have the retirement that I always wanted, and more…

For example, my daughters schools fees are also taken care of; wonderful…

School Drop Off

The Woodland Junior Academy Cain Road Hong Kong

I Firmly Believe That Online Entrepreneurship

Will help people just like you create a better life for yourself in or approaching retirement…

It worked for me and it will work for you…

To work from anywhere in the world…

Travel to exotic locations…

Pursue passions and causes…

Meet and collaborate with extraordinary people…

Control your destiny, your pension and your financial future…

Let me ask you a very important question

How long are you going to live from TODAY…

2 years, 5 years, 10 years, 20 years…

No one knows for certain….

If you are listening to us now and you are in your 40s, 50s or 60s and looking forward to the day when you have the time and the money to really enjoy life…

I am telling you PLEASE DON’T WAIT

There’s a much better way AND it will change your life starting TODAY…

Remember the “Golden rule”…

You only have today…

Yesterday is history…

And tomorrow may never come…

You must live for today…

But plan for tomorrow…

As you can imagine I was relieved to find this opportunity…

One which would rescue my retirement and improve my life right away

That sounded more like it…

Walt Disney Hotel Hong Kong

Walt Disney Hotel Hong Kong

NOW I

Work from anywhere in the world…

Travel to exotic locations…

Pursue passions and causes…

Control our own destiny….

Don’t have to worry about job security, our pension or our financial future…

And this really works for me…

Retirement Lifestyle Choices

And not just for me but like I said, for thousands of others too…

So if you’re a baby boomer like me…

Picture this…

How your life would change if you had access to this incredible program…

Maybe it’s a change you NEED to make…

Because the sad fact is…

The majority of professional and business people don’t put enough money away for their retirement (just like I didn’t)…

They keep their heads buried in the sand just like we did…

Because we were afraid to confront the brutal reality of my situation…

That I was simply not prepared for retirement

Princes Park Southport UK

Princes Park Southport UK

So Let’s Be HONEST With Each Other

Money gives you choices…

The choice to really enjoy your life and help others in the process…

My amazing turnaround has made me very humble and extremely grateful…

It’s exciting for me to have the ability to flip a switch and literally generate income “On demand”…

I see so many people around the world who are really struggling…

Because they haven’t made the right decisions and don’t know which way to turn…

Just as I felt…

They want more than anything else to experience what they see others achieving…

But because they don’t have the right education, system, and coaching they continue to go through life wishing and wanting for more…

Unless you have a plan to take action, the sad fact is you may just have to work for the rest of your life…

Or give up on the retirement that you always wanted…

In fact studies show that 95% of people will never be financially secure…

Now…

Having said that…

Are you ready to join me…

To trust me…

Let me take you on a new journey so you can experience real results for yourself by using…

Retirement Lifestyle Choices

This program will help you become one of those people who doesn’t just hope for more time and money, but who actually experiences it….

Remember…

This is the exact same program that I went through…

And it work for me and thousands of other people…

Today I and they have very different lifestyles…

We travel the world…

We go where we want when we want…

And our business travels with us…

Flying Again Hong Kong Airport

Flying Again Hong Kong Airport

And I want YOU to achieve what WE have, but even faster and easier without making our mistakes and wasting time…

This is what many people were experiencing before they joined The Ultimate Retirement Breakthrough that changed their lives…

  • They couldn’t see how retirement would ever happen
  • They were living hand to mouth on a tiny pension
  • They were struggling to maintain a comfortable lifestyle in retirement
  • They were sceptical of technology and working online
  • They were tired of corporate life
  • They had overwhelming debt
  • They were running out of time to do things and worried that life was passing them by
  • They wanted luxuries that they simply couldn’t afford
  • They wanted a new challenge, to pursue new adventures and meet new and exciting people
  • They had physically demanding jobs they could no longer continue

If you have any of these challenges…

And let’s be honest, we all have…

Then we want you to take an honest look at your retirement and stop burying your head in the sand…

We know you may not want to because it was the same for me…

But you need to have an honest conversation with yourself…

Accept the fact you are not getting any younger and are probably not in the best financial position for your future retirement…

Only you know your true financial situation and can control your destiny…

Only YOU can change things…​​​​​​​

Manchester Airport UK

Manchester Airport UK

Importantly You Are Not Alone

I am here to help you…

If we could turn back the clock 25 years we would tell ourselves that time is the most precious commodity in life and time runs out…

But we can’t…

Fortunately though, YOU can do something about it…

And you can do something about it RIGHT NOW….

I want you to stop everything you’re doing and think seriously about this important message because from the bottom of my heart I want you to experience some of the best years of your life just like I do…

To look seriously at mid-life entrepreneurship as your future…

To begin a new chapter in your life…

One you will absolutely love…

I am challenging traditional retirement advice and showing you a NEW WAY…

One that doesn’t require 40 years of scrimping and saving to pay for your future…

We understand that you may be frightened to look at your retirement and the realization it comes up short…

But trust me if you don’t do something about it nothing will change…

I am offering you a different and more fulfilling path…

There’s just one catch

You have to act fast because unfortunately I simply cannot work with everyone…

Click the image below to claim your spot before it’s gone…​​​​​​​

 Retirement Lifestyle ChoicesDon’t let this opportunity to create a reliable income and new lifestyle working from home pass you by…

Imagine if you do nothing…

What will life look like for you in 10, 20 or 30 years time…

Well if you want…

Time freedom…

Time for you…

Time to travel…

Time to do all of the things you want to do and the money to do it…

To have the retirement that you alwys wanted…

Then make that choice right away…

Give yourself peace, freedom and financial security…

Learn something new…

And choose what places in the world you would like to see and what experiences you would like to have…

If you had an extra 5 or 10 thousand dollars per month, what would you do with it…

And if you’re not sure where to begin then let me help you…

You’ll get all the training to succeed that you’ve maybe never had before…

You don’t have to retire the same way your parents did…

Instead you can do something worthwhile, something you love, something fun and rewarding and enjoy your retirement at the same time…

Everyone needs a reason to get up in the morning and for me and many others like me – this is it…

What a great life…

Take the easy step now and join our community of like-minded people who help each other succeed…

If you’re staring at your retirement situation and don’t like what you see…

Then choose right now…

This is real income you can create for yourself and you can even hand it down to future generations…

Your children or your grandchildren…

So go ahead and click here RIGHT NOW

And get instant access…

You’re just one small step away from getting your hands on the ONLY automatic, income generating system of it’s kind…​​​​​​​

Retirement Income For Seniors

Retirement Income For Seniors

It’s YOUR ULTIMATE RETIREMENT BREAKTHROUGH!

There are literally dozens of people currently reading this letter and at any moment we could reach our maximum capacity and close the doors forever…

This is not just about you making more money…

It’s about taking care of yourself, your future and the people who matter to you the most…

Take that leap of faith like I did…

You have NOTHING to lose and EVERYTHING to gain…

Enjoy…

Hope this helps…

Lets talk soon…

Gary

PS If you haven’t signed up yet…

You really do need to act RIGHT NOW…

So go ahead and click here RIGHT NOW

And get instant access…

It changed our lives and it will change yours too…​​​​​​​

Retirement Lifestyle Choices

Gary Williams Life Choices

Gary Williams Life Choices

"One of the saddest things in life is to get to the end and look back in regret, knowing that you could have been, done, and had so much more" - Robin Sharma

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