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From sleeping in his car with his wife, six dogs and eating peanut butter sandwiches to success.The steps first three definitive to turning regret into the kind of success you envisioned many years ago.
Citation preview
THE PILLARS OF WEALTH
Warning, Warning, Danger
Will Robinson, Danger!
Poor Financial Performance is Detrimental to
Your Health! Don't let yourself be fooled by
ignoring the inevitable.
Your financial affairs are your own. How you plan today will
result in how you live tomorrow.
It's the truth you can't control what happens tomorrow but
you certainly can prepare for it.
The facts remain that no matter what your success has been in
life up to this point one decision in life can make or break
your mind, spirit, and leave you wondering what happened
and where you went wrong.− R. Wegman
1 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
Disclaimer
This guide is designed for a guide to help new investors gain a solid
understanding of money and the proper usage of it. It is in no way to
be taken as the be-all end-all to your investment knowledge.
This guide may make reference to certain aspects or language of or
pertaining to financial affairs, items such as tax related, strategic
planning and, wealth creation. All information is deemed to be true
and correct at the time of this publishing.
The author assumes no responsibility for losses, misrepresentation or
new laws that go into effect after the publishing release.
You should always seek the advise of a professional who is familiar
with the laws and regulations in your local state and cities.
Any questions can be directed to the author of this publication and
general advise may be given.
The author is a licensed California Real Estate Agent who specializes
in Land banking and assisting with rolling your IRA into real estate, a
cash flow specialist and an active investor in real estate and several
other income producing vehicles.
Information provided here in this manual is only for informational and
2 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
educational purposes only and it is to be used with caution. All
investment vehicles incur a certain level of risk depending on the
amount of return associated with the particular investment vehicle.
Proper planning and council is strongly recommended to develop your
investment strategy. You should also seek advise from several
authoritative sources.
3 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
Ryan Wegman is President of TABR Financial Services and Ryan
Wegman Enterprises.
Together Achievement Becomes Reality
My Past accomplishments include
Proud Husband and Father
Marketer/ Internet Marketer/ Search Engine Optimization Specialist/
Blogger (Personal and Professional Websites)
Enlightened Wealth Institute Active Member
Past President of the American Cash Flow Association San Francisco
Bay Area Chapter
Article and Book Writer
4 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
Dedicated
To my wonderful wife Teri Lynn you have been the support and
cheerleader for me in my quest for everything. When I was down and
wanting to throw in the towel you wouldn't let me stop.
When we were facing all odds and the inevitable seemed near you
stood up in the face of danger and showed courage when we could
have turned and buried our faces in the sand.
Your strength, love, and devotion has shown me that through love we
can conquer mountains. I hope that I am half the man and support for
you that you have been for me.
For my children Austin and Brooke; you may be young and not
understand everything that has happened over the years. I know you
have felt sadness and suffered in ways that only a child can
understand.
My quest for providing you with a luxury lifestyle didn't go as I had
originally planned. Even though we had our differences and our
disagreements we somehow managed to pull it together to make it to
the finish line.
To our wonderful pets the dogs Bear, Lassie, Sonya, Peanut and that
crazy Clifford. To Scruffy even though we only shared a few months
5 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
together you made us all learn to love again. As for the rest of you
mutts I want you to know that I cherish you more than you will ever
know.
To our wonderful kittens we think about you often and wonder where
you are. Every time we think of you we wish upon a star.
6 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
Teri's Point of View
To my loving husband as the song from the Beetles states our lives
have been a “Long and Winding Road” we have been through more
challenges and mishaps than any one family should ever bear.
We were young and scared, foolish too. You did things that made no
sense to me. You would explain why and I stood directly by your side.
We faced financial, emotional, and mental stress; more problems than
anyone we know yet even in the face of adversity you smiled and kept
pushing on.
So many times you promised me that we were finally going to make it.
You would argue and sometimes get loud. We were completely broke,
down and out. Out of a home, out of a job, out of luck and out of time.
My health and mental state were weakening every minute of the day.
You kept on promising me that everything would be okay. I was
loosing my patience; quite frankly I was ready to give up.
Then I came to the realization that we were in this together. We have
made so many sacrifices for one another and the compromises have
been immense. I knew deep in my heart that you could and would
succeed. You have proven it to me time and time again.
7 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
I may have wondered off the long and winding road, and almost every
night I cried myself to sleep. Only to wake in the morning to see your
smiling face standing strong in the battle of we faced. You walked the
winding road and forged us ahead.
Your courage and conviction has helped me to keep the faith alive and
to feel the passion burning in my heart. My only regret are the losses
we have experienced along the way. Thank you my love for showing
me the light and empowering me to stay.
Being with you has shown me different experiences that I would have
otherwise never known. Even though the precarious situations we
have encountered in life may have been unpleasant. We have
developed the appreciation, enjoyment and humbleness required to
experience the finer things in life.
We've learned that life cannot be taken for granted. It takes faith,
courage and love to overcome everything. Following your dreams is
difficult. Falling in love was easy. Staying in for the long haul requires
strength, endurance and happiness. This is why we drive forward to
achieve our goals and dreams.
8 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
Foreword
This manual is a compilation of lessons that I have learned in life. It is
meant to be a guide for you to follow to achieve greatness and security
in these uncertain times.
I have spent countless hours researching, modeling and evaluating
these so called pillars of wealth. I nearly went bankrupt in the pursuit
of my own happiness. Not realizing I already had everything I ever
needed.
All I had to do was to put into action everything I had ever learned.
You see I spent tens of thousands of dollars on seminars and private
coaching and personal development programs. After all of this I soon
realized that nothing would ever work without action.
This is a guide for you or a road map to ease the choppy uncharted
waters of the world of investing. This is my passion to empower you
through the simple guidance and thought transition of going from
where you are to where you would like to be.
This guide is not the first and only authority on the subject of creating
wealth and I am sure it will not be the last. What it is though is your
direct link to the minds of the greatest visionaries, financial authors,
and investment guru's of our modern day.
9 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
All of them compiled into my own thoughts and interpretations. Then
compiled into an easy to read, easy to understand format for you to
follow.
You have in your hands one of the safest most reliable guides to
creating financial wealth by building pillars of support to configure a
system to sustain wealth.
Erected on solid foundations, held together by a system of
management and the sound principle that wealth is not a race. It's the
principle that slow and steady wins the race.
“EZ Money is money that's easily lost”.
Wall Street
Bud Fox's Dad”
Thank you for taking the time to read this, and for placing your trust
and confidence with me and in this guide. Before we get started I
wanted to give you this thought. Keep it in mind as you read this. It's
so relevant to the subject of taking action:
10 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
TIME!
By Napoleon Hill
Procrastination robs you of opportunity. It is a significant fact that no great leader
was ever known to procrastinate. You are fortunate if AMBITION drives you into
action, never permitting you to falter or turn back, once you have rendered a
DECISION to go forward.
Second by second, as the clock ticks off the distance TIME is running a race with
YOU. Delay means defeat, because no man may ever make up a second of lost
TIME.
TIME is a master worker which heals the wounds of failure and disappointment
and rights all wrongs and turns all mistakes into capital, but, it favors only those
who kill off procrastination and remain in ACTION when decisions are to be
made.
Life is a great checker-board. The player opposite you is TIME.
If you hesitate you will be wiped off the board. If you keep moving you may win.
The only real capital is TIME, but it is capital only when used.
You may be shocked if you keep accurate account of the TIME you waste in a
single day.
....
Move by move TIME has wiped off Mr. Average Man's men until he is finally
cornered, where TIME will get him, no matter which way he moves. INDECISION
has driven him into the corner.
With that in mind let's begin. Time is a wasting. Let's Begin...
11 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
THE PILLARS OF WEALTH
What the hell are we going to do? What now Ryan! What in hell are
we going to do? Teri shouted! We're homeless Ryan do you know
what that means? People remain homeless for years before they ever
recover. That's if they recover at all. Some never do... Teri sighed as
we continued to gather our belongings into our car.
I'll never forget that afternoon as long I live, losing a job at my age.
After having wrecked what seemed to be every area of my life I had
finally lost the last possible asset I had, my dignity.
My wife was more than very upset to say the least. Here we were
homeless, stranded without any income, no savings, no opportunity in
front of us. Just her and I with six dogs and very heated tempers.
I had already awarded custody of my children to my ex-wife, sold my
home in a fire sale manner to save face with my credit which was shot
anyway. I had filed and dismissed my bankruptcy, sold all of my
personal possessions to carry a life forward from total annihilation.
Only to wind up right back where we started running from in the first
place.
We had two cars repossessed and I had a good job all down the drain.
All for one simple idea. I choose the road less traveled, I wanted a real
shot at a lifestyle of luxury, wealth, riches and endless mystical and
12 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
whimsical, dangerous, fairytale adventures. You know everything a
guy learns, reads and embraces from the time we were old enough to
make up our own minds.
This time I had really done it. The funny thing was even though the
road ahead was seeming dark, scary, and uncharted. I knew this was
the chance I had been waiting for.
Finally after all of our emotions had reduced themselves into a slow
burning ember we settled down for the evening cuddled in each others
arms.
We knew the road ahead was not going to be easy, we knew we had to
depend on each other to get through this. If we didn't this could most
certainly be the end. Our worries and tears settled us down to an
uncomfortable and suddenly interrupted nights sleep.
The local authorities had decided that we must investigate this un-
allowed vehicle with people sleeping in it. This put us in a mode of
panic. We complied with the officers instructions and embarrassingly
explained our situation.
They let us sleep out the night and away they disappeared into the
darkness of early morning. This was the first of many unwelcome
encounters with the law enforcement agencies.
13 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
All of the events for this journey started in September 2001. Without
warning the plot developed as our nation went from a good day to the
worst event in American history. We met in the midst of all this
commotion, emotional driven fury and rage. A time when our
homeland was definitely under fire and the face our great nation was
in serious danger.
Before that day it would have been just another day. Off to work,
home to round up the kids and do the normal family deal. Without any
warning a whirlwind rose up and changed the direction of my life
forever.
The day I met Teri I was under fire. Personal events led my landlord to
the decision to sell the house I was renting, my marriage was unstable
and since my wife was good at spending all of our hard earned cash, I
was late paying the rent as usual.
I came home to find the “three day or quit notice” posted on my front
door. This is how a simple action can turn your life in a whole new
direction. One question can put you on a journey to a place where you
never thought you would go, or did you think about it and find out
your greatest dreams, fears or worries came true?
14 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
“One question can put you on
a journey to a place where you
never thought you would go,or did
you think about it and find out your
greatest dreams, fears
or worries came true?”
When Teri and I met I had a great job at the local phone company, I
worked from performing outside field operations into the internal
workings of the corporation. I advanced into the data operations
ending up working on the DSL (high speed Internet project).
Life was good I was heading for thirty in several months, making
almost $60,000 per year. The road ahead was never scary because I
had made the advancement to a career based lifestyle.
My mother and father had worked for the phone company for all of
their adult lives. Living at their desk performing the same mundane
operations day in and day out.
When your raised in one type of environment such as a family of
doctors, or lawyers the one radical, against all the odds child comes to
play. This was me. I got bored easy and frustrated with brainless
activities.
15 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
I was a simple child, an only child with a vivid imagination and the
ability to learn quickly. I always had a secure and enriched lifestyle.
My parents weren't rich by todays standards in money, they were
however providers.
I can never remember a time where I had to suffer. My Mother even
when she was a single parent always put food on the table. She
worked two jobs and sometimes even three with the overtime. Lacking
was never an issue.
Yet as I stated I was doing very well and following in the exact same
footsteps as my parents. Miserable, sarcastic and worked to death. A
life of limitations and disappointment. One where your time was
limited by the dollar amount you can earn.
I had seen and witnessed these events many times over as well as my
parents and their friends always talking about cutting back and cutting
coupons. I had one common trait with every employer I had ever had.
Feeling unappreciated, unnoticed and uncared for, another warm body
to fill another seat.
Not only had I seen these events I was now following in the same
path. Job security, ample money for an honest days work. Well
needless to say I was discouraged and appalled by the corporate
mentality.
16 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
Your fooling yourself if you think you can do any better anywhere
else. This was my mentality I believed it to be true because the
outcome of my life was looking just like everyone else's around me.
BROKE, miserable, and discontented with life.
I couldn't see the forest through the trees. I knew there was more to
life than what I was getting out of it. I had so many friends and
associates who seemed so happy, living life to the fullest or so it
seemed and I was trapped. Trapped from fear, resistance and
procrastination to make a change.
I soon realized that I wasn't the only one. Everyone was living in a
facade. Delusions of grandeur, the image of a life that in actuality
engulfs their every reason for living. I wanted more. I needed more!
My family depended upon it. Back to that horrific day when our
nation came under attack. I had met Teri just a couple of days after our
Country's invasion. While the world was mourning and paying
respects for those lost, or missing from the devastation. Two lost souls
collided.
As quickly as they met winds of change were blowing. Our meeting
was at minimal devastational and disruptive to those directly involved
and closest to our hearts. No sooner than we met we were out on our
own. The adventure had begun.
17 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
These were the deciding factors that changed our lives forever. I had a
good job and Teri owned a successful business. We were doing fine.
The plans were made to purchase a house and get on our feet.
We took the steps to get our credit in shape, tighten up our finances
and take the plunge into the world of mortgages, real estate and home
ownership. We searched high and low for the right first home. We
found and lost it before the construction was completed, so we
proceeded on to find another home.
We had found a charming little starter home in a not so nice
neighborhood. The likely hood of us living their for the long term was
slim to none. For three years we lived in that home. Fun times for the
first two years and then I went and did the unthinkable.
“I went and did the unthinkable.”
I retired my employment with the phone company. No, I didn't retire, I
quit my post. I was tired and wore out from working forty plus hours a
week, trying to start a new business and learning all of the ropes.
Me in my infinite wisdom thought if I dedicated more time to grow
my business and if I diligently pursued other options I would be rich
in no time. Boy was I in for a shocking discovery and one hell a a ride
on the game of life, and the good graces of a whimsical, nonstop force
18 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
that has driven me to where I am today.
This is where it all begins March 2004, I come home from a night out
networking and mixing with the who's who of the local community.
The tax guy, Realtors, mortgage and loan officers etc.
I had dinner with a friend who was looking to reposition his personal
life to involve a significant other. We spoke of his thoughts on life and
business; at the end of our dinner session I confidently drove home
walked into my home to look my new found love straight in the eyes
and said “Honey, do you trust me?” With a smirky smile I get a “why,
what did you do now?” I replied back “well your not going to believe
this but I quit?”.
Well needless to say this very evening sparked what would be some of
the most memorable and unexpected times in our lives. Now my
decision to quit was not even discussed at the dinner table that
evening. I have no idea why to this day I did the impulsive, gut
reaction that I did.
That's not entirely true. I was fed up with the mundane corporate
mentality and I wanted to be my own boss. I was smart and charming
so I figured this was going to be easy.
The road ahead was looking great for all of about 3.5 minutes until she
hit me with the truth. “Now what, what's your plan?”; and I said “well
19 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
honey you know I have this business and we are going to get rich. You
own a business and we can use that as our platform to launch off of.”
Just like that she sighed and said “I know nothing about financial
services and I have never run a business in this arena. I wouldn't know
what to do.” Well I swallowed my pride and went on to forge ahead.
Day to day I wrestled with adversity and my attempts at success were
futile. I got beaten down. Seminar after seminar, tape after tape, book
after book I gulped down information as quickly as I could.
I had no idea how to run a business, heck I wasn't even the model
employee. I liked to cause waves and always called attention to
myself. I figured this was going to be easy money, a few people to talk
to and I would be in business. That's how the concept was explained
too me.
One month into my self employment I was hit with a tragedy that
changed my life forever. It was Easter 2004 that same year. I had quit
my job and we had the family over, my Mom and her husband Gary. I
was hurrying through my egg hiding and getting ready for the famous
egg hunt. As I headed back into the house my Mother and I crossed
paths.
At that very moment I had one of those moments in time where it
literally slowed down and played at a fraction of normalcy. My
20 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
Mother's eyes and mine met as time seemed to stop. I felt a strange
and curious feeling that lasted for that brief moment. We said a few
words and that was it.
The next day was my sons eighth birthday, and then the very next
afternoon I receive a call. I pick up the machine to learn that she was
gone. My mother had died suddenly without warning.
This was the final straw. I spiraled off into a downward chasm filled
with deep sadness, anger, frustration, and resentment. How could this
happen? Then it hit me, she knew there was something wrong and I
couldn't see it coming.
This time Teri and I knew the writing was in the wall. We went from
depressed to reckless. We started the time line of events that left us for
dead. From the forced sale of our personal property and possessions to
winding up on a journey around the country in an eighteen wheeler
with my wife, our six dogs and a whole trail of heartbreak and
disappointment.
Only to wind up homeless, living in our car, with six dogs and living
almost entirely on peanut butter and bread for sustenance and water
for nurturing life. These events in time gave me the power to manifest
a new found strength and understanding for success.
21 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
“These events in time gave me
the power to manifest a new
found strength and understanding for success.”
In the months ahead Teri and I were faced with hunger, scorching
heat, being run off by authorities from every place we tried to stay.
Feeling like the weight of the world was upon our shoulders.
Most of our friends and family turned their backs to us and shunned us
out in the heat of the summer sun. We were at the end of our ropes for
sure there was no way out. We need to just do the world a favor and
stop waking up to another day.
Teri's illnesses put a huge strain on us with constant worry, fear and
upset. Her diabetes and cholesterol were at an alarming level. The
doctors said she was literally a time bomb waiting to explode.
No longer could we sit back and let the stomping of our spirits,
crushing of our existence, and failure after failure happen. We had to
get back on track fast. The feasting on our lives had come to a
screeching halt.
We couldn't win, life sucks and it's not getting easier. Coupled with a
sparse job economy, a national economic recession, and the worst
22 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
times in history for our country's outlook since the times of the great
depression.
Through all of our defeat and occasional triumphs in life Teri always
kept me going. Her love is tried and true. Her passion is taking care of
the ones she loves. Her dedication is as devoted as mans best friend.
Loyal, faithful and uplifting. I owed her so much for the losses, pain
and suffering she has endured.
Our travels on the truck seemed like the movie “Independence Day.”
Running from location to location in the cover of night, racing across
the country seeking a change, a new found hope of salvation. The
animals we lost due to circumstances all well within our control. If I
had only...
In the midst of the darkness there came a light, I had been working
secretly on developing my own personal system to start to overcome
financial adversity. The only problem was that Teri and I had no cash
flow, no stash of money for emergency and really we had no time to
waste.
We literally could die if we do nothing. We both knew I could pull it
off I just needed to believe and really see what the future had in store
for her and I. With so many challenges constantly popping up in our
faces we were more focused on the problems at hand rather than the
solutions.
23 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
I had a fledgling career developing a business in the real estate market
during the worst foreclosure market in history. I had been met with
rejection and opposition from so many different directions I couldn't
tell you which way was up or down.
I just knew that the message had rang true to my core and it sounded
crystal clear. I had to find a way to spread our message and I had to do
it now. My days of playing around on the Internet attempting to build
a business were over.
I had built, launched and successfully generated my first sale on line.
This was the second time that I had made money on line and by far it
was the easiest. I was running out of money driving around from
meeting to meeting, budgeting for food, fuel, phone and Internet
service.
I had my first sale. I knew from that point on that the game was to be
played different. We needed exposure and a constant flow of hungry
information seeking individuals who were looking for the solutions I
had to offer.
The ideas were coming to me like typhoons, huge powerful visions of
the future seamlessly appeared to me in the midst of any activities. I
knew I needed focus and clarity.
24 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
The only problem was again money and time. Having the ability to
jump when the time is right. The days were hot and finding shade was
a priority. Which meant my most productive time was sacrificed to
help with the situation at hand the well being of us all; survival and
progress.
Once again my priorities changed and the talk of the hour was survival
and the revisits of past events and future possibilities. We started
finding the root of the problem instead of looking for the viable
solutions. This in effect stands to be most peoples problem.
“We started finding the root
of the problem instead of looking
for the viable solutions.”
We'd defeat our chances of success before we'd even begin to embrace
the positive effects that change is good, growth and transformation are
essential to our survival. The positive encouragement from a total
stranger for me was the difference between our ultimate success or our
demise.
We had a problem dealing with any new situations because the pity
and self doubt had become so terribly strong and pronounced within
our hearts.
25 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
The end was insight. When out of nowhere opportunity presented
itself in the form of a partnership for the same real estate company I
was already affiliated with.
We were able to see it and grasp it for the potential it had. Finally a
chance at a new life. The road ahead wouldn't be any shorter, any
easier and the obstacles would still be there.
Knowing all of this going into the situation is a plus. Earning the right
of notability and recognition is praise enough, when you earn it from
the position Teri and I were in as far as our stability was
concerned,was an extreme honor.
The desires we had been wishing for for so long were appearing in
droves. We had never had such clarity and vision with a thought. We
were beginning to see the path out from the darkness of the abyss.
This is why we stayed the course when all odds were facing us and
daring us to have a go at it one last time. You know what we're glad
we took the chance.
The planets aligned at that precise moment in time and the gates of
abundance, prosperity, security and wealth opened from above.We
were showered with opportunity and praise.
26 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
The result is that from adversity and pain come the abilities to
understand, acknowledge and recognize and act towards your goals
and objectives without resistance.
It's our honor to share our story, give you direction and provide you
with the tools to forge ahead when everything else seems pointless and
your down and out.
Not for sympathy, or pity. It's our honor because we have walked the
path that you are on in your shoes. Stumbled, fallen and even started
over more than once.
Love and desire will drive you, faith and hope will inspire you, focus
and action will get you the results you need. Take these words to heart
and read them often.
Feel the pain and let that drive you to the understanding that no matter
where you are today, tomorrow is a new and brighter day, with no
mistakes in it. Filled with a chance to move ahead in areas where you
have failed or avoided in the past.
Before you blindly forge ahead you need to have the system in place
to discover your path to prosperity. Since money and time are the
largest concerns in todays society we should grasp the bare essentials
before we go ahead.
27 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
There are really only three pillars to wealth that truly can catapult you
to success. All of the other pillars come into play after you have
mastered these three.
28 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
THE FIRST PILLAR FAIL TO PLAN – PLAN TO FAIL
First you need to get organized. Organization is the most important
factor in creating success. If you are not organized, you will struggle
with staying on course.
I would however like to take a moment here to say you already posses
everything you need to create the desired life you have always wanted.
All it takes is some dedication, desire, and a willingness to make
change.
“You already posses everything
you need to create the desired
life you have always wanted.”
Let's take a look back into my life for a few moments before I decided
to make the change. Actually this isn't true I had made several half
concocted attempts at changing the way I was running my life before.
29 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
I can remember that fatal day when my world came crashing down. I
lost my job, my home, and frankly my sanity. My wife and I were
actually living in my car (a Buick Regal) with our six dogs all
cramped up.
We had been doing very well before I decided to make a fatal mistake.
I didn't take the time to organize my self and make a plan. Instead I
chose to make the decision to bend some rules.
Upon the execution of this decision I faced several repercussions
which sent me on my mission to create never ending streams of
income into my life. Through leveraged systems, that would pour
money into my bank account day after day; month after month; year
after year.
Never again to be held at the mercy of an employer. Isn't that
everybody's dream anyway? To have more money than expenses. This
equates to financial freedom. The simple practice of discipline with
ones finances to create abundance over personal expenses.
When you reach this point in your life you have mastered money
management. Your not stressing over living paycheck to paycheck.
The phone isn't ringing with creditors and collection agencies.
Instead you will have the bankers calling you offering you lines of
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credit. Credit card companies will be extending you new offers. (Don't
go filling these out though until you read my special report).
To get more information on maintaining good credit scores you can
get a free copy of my “10 fundamentals to achieving and maintaining
a high FICO score”. Visit www.raise-my-fico-score.com .
Think about that for a minute. Instead of being the hunted you become
the hunter. No longer being prayed upon for your last dollar. Instead
you have the luxury of time on your side.
Let me explain what I mean. When you have control over your
finances you have the ability to take control of time. You are no longer
trading time for a few dollars, instead you will be trading dollars for
your time.
Even though they sound the same at first there is a huge difference
between them. When you have a job your income is directly
proportionate to the amount of hours you work.
As an example if you were making $10.00 an hour and you worked
eight hours per day, you would end up with $80.00 per day; $400.00
per work week.
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That translates into a huge $1600 per month income multiply that 12
months and your $19,200 in a years time. When you do the math it's
not as good as you may have previously thought.
Especially when you factor in the hard costs of taxes and inflation.
You can really start to see a frightening fact that is growing like a
plague of epic proportions. You start to see that your running out of
money before you run out of life.
Now on the other hand when you are trading money for time you are
in control. You are making income from several sources and the
simple fact that you have more money than expenses makes your life
quite a bit easier.
You are in control of your future. The little problems that used to be a
huge burden are out of the way and your life becomes more pleasant.
Since money is one of the major causes of stress, divorce, infidelity,
depression and a whole menu of other health related issues. You have
taken major steps towards recovery.
So where do you begin in your quest for financial freedom? Rule
number one is to gain a sound understanding of your current situation.
What are your costs of living? Do you know all of your monthly
expenses?
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How many of your expenses are necessary, luxuries, double expenses?
Are you paying to much interest on your credit cards, student loans,
auto loans or mortgages? So no more thinking of how, when or why
let's dive right in and get our elbowas dirty.
Hard work isn't aways fun yet the rewards are well worth the effort. I
have listed some of the most common bills, and expenses in most
peoples daily lives. Use this as a memory jogger and fill in the blanks
if you find more.
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Rent
Mortgage
Electricity
Gas
Gasoline
Utilities
Telephone
Cell Phone(s)
Medical Insurance
Auto Insurance
Home Insurance
Property Taxes
Internet
Additional Phones
Clothes
Vision Insurance
Dental Insurance
Additional Storage
Newspaper Subscriptions
On line Subscriptions Holiday Expenses
Cable TV
Food
Extra Curricular Activities
Credit Cards
Pets
Entertainment
Car Payments
Car Maintenance
Car Insurance
Medical Co-Pays
Pet Food
Veterinarians
Home Maintenance
Extra Curricular Events
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Let's start by placing all of your bills in a pile. Start by sorting them
out by the most current bills and then ranking them by importance.
Next see where you can make cuts or reductions if any. (Some items
are not necessary even though you believe they are).
Take a look again at the example above and then follow the rule of
thumb.
1) Food
2) Shelter
3) Transportation
4) Less important items
5) Less important items
6) Less important items
7) Less important items
8) Less important items
9) Less important items
10) Less important items
Grab a calculator and lets get busy with the dirty work. Start by adding
up all of your current bills. Don't cheat yourself take the time and sit
down with your significant other and lay it all on the table.
If you and your significant other can't do this together you may wish
to seek the assistance of a professional book keeper, or accountant.
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These services will surely create additional expenses but the level of
service is unparalleled. You will get an analysis of your whole
financial picture to give you a starting point. Before we go there let's
try it on your own first.
Examining your finances may cause some uneasiness or tension for
you or between the both of you. Don't let this discourage you. It will
make your relationship stronger. You would be surprised at how once
the cat is out of the bag per say a huge burden feels as if it was lifted.
Acknowledgment of a situation is half of the battle. Only then can you
make the head way to manage your money, manage your investments
and regain control over your life. Before we go to the meat of this
report I want you to have control over your current income vs.
expenses.
Just like in a business revenue vs. expenses is equal to your paycheck
and expenses. This is to provide you with income. Income coming
from your direct efforts come in the front door and you try to keep
some from running out the back.
Let's use my past situation, after the fall, as an example for developing
the system. My wife and I had our whole lives ripped from underneath
of the two of us. We had no warning signs that life was about to
change. Needless to say we had no contingency plan or emergency
fund for the occasion.
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We had plenty of indicators showing symptoms that our finances
weren't strong. We just hadn't been faced with a challenge of enough
significance to recognize the danger. All of the sudden we were faced
with that challenge.
We had to stop with all of our future plans and decide on a specific
course of action to get us back on track. Not just on another aimless
path meandering next to the oceans of shark infested waters, but a
direction towards a purpose driven life.
In this instance the purpose was survival. Back to the primal instinct, a
primitive state for todays modern man. I felt like it was kill or be
killed.
We had to make a bullet proof plan to regain control of our finances
and as I mentioned before we starved or rotted to death in our car.
Otherwise our dogs may have fed on our rotting flesh had we stayed in
that situation too long.
Okay to get back on course. The first step in investing is to have
control over your money. So for us it meant looking at where we were
and where we needed to go. Then deciding on the most direct route to
get there.
Our initial look at our finances from where stood wasn't too bad over
all. Let's see where I was to give you a guide to start. Living in a car,
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six dogs, two adults, zero income. Our expenses included a storage
shed, a cell phone, Internet service, my IRA (individual retirement
account, several traffic citations, tools for my business, car
maintenance, food, pet food, gasoline and car insurance.
I needed additional expenses in the form of rent or mortgage, also
budgeting for unforeseen expenses, and other utilities. Let's brake it
down to see how I did.
Food $200.00Pet Food $40.00Storage $149.00IRA Fees $15.00Web Hosting $25.00Domains Names $10.00Cell Phone & Internet
Service
$199.00
Auto Responders $29.99Computer Maintenance $25.00Business Coaching &
Mentoring
$130.00
Car Maintenance &
Payments
$1150.00
Rent / Mortgage $2500.00Utilities $300.00Computer Maintenance $29.99Investments $2500.00
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Looking at the above image all of the items are real expenses the last 7
items are incorporated into this formula to provide my wife and I a
very real and attainable goal to move from our vehicle to our home.
Let's add up the expenses here $7302.98 is the required amount to
maintain and break even being able to cover all of our basis. Looking
again at the diagram above you can see we have calculated for every
cost including our expenses and investments.
Living in California requires a larger cost for a dwelling. We budgeted
for a moderate rent rate or a low mortgage payment. Our investments
would be pledges for the down payment should we choose to go that
route.
Now that we have a basis of all of our expenses we can let a couple of
the luxury costs go. We had to really cut back on everything. Let's see
what our current expenses were boiled down to after the cut.
Food, pet food, gasoline, laundry, storage, phone and Internet. These
brought our overall costs down substantially, but we didn't want to live
in the car for any length of time. So we decided to put it all on the
table.
We needed to net $7400.00 per month. So let's brake this down to
weekly increments then annual salaries.
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$7400.00 per month divided by four weeks is $1850.00 per week.
Remember this is net income after taxes. Total annual income required
for my living expenses would be $96,200.00 net. When you add on
income tax your looking around $120,000.00 per year in gross income.
This gave us a true clear vision for our financial goals. Although we
aimed much higher than this; this number is now our target. The
definite number that would have to be reached in order to maintain a
sustained lifestyle.
Notice that I have not budgeted for entertainment, or any
extracurricular activities. Also the amount for rent may be slightly
higher than needed. This is okay due to the fact that, that means more
money for your investments.
Okay now that you understand the first task go ahead and give it a try.
Gather those bills, add them up and rank them for there order of
importance. Take a look at your total out going expenses.
Compare that number to your current income and make this formula to
see what your cash flow position looks like.
(Total Income) – (Total Expenses) = Net Cash Flow
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Is this number negative or positive? Does your monthly incoming
money get spent and you have to delay the payment of other things in
order to eat? Are you able to stay within your budget?
This was our first mistake was we budgeted by phone. We would call
the bank and see how much cash was available for the day then we
planned our day around it.
We would live like Kings and Queens on a paupers wage. Spend like
money was going out of style. Realize this, that most Americans are
one paycheck away from financial disaster.
If you do not want to become a statistic you have one of two choices
to make, increase your income or reduce your expenses. My goal here
isn't to make you live within a meager budget.
My intent is purely to give you an understanding that if you plan to
invest you need a budget. Otherwise you will be lacking the most
crucial element required for investing. MONEY!
A good rule of thumb is to put away your first ten percent. Then give
away the next ten percent to a church or an organization with the
equivocal importance for giving. Once we have cleared the fog and
lifted the clouds we have the sun shining bright on your new found
knowledge.
The numbers don't lie. You have hard facts to base your change off of.
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You know what you need to do but your unsure how. Trust me this is
the biggest part to swallow. You have to make and follow through
with the actions you plan. Otherwise your work is all for nothing.
Imagine for a minute going from a home that you own, to facing
foreclosure, bankruptcy, moving into a rental and finally giving away
all of your assets to cover your payments.
Then losing that and winding up a traveling Gypsy in an eighteen
wheeler on the open road to finally ending up living in your personal
vehicle. Living the way my wife, our dogs and I had to endure.
Eating nothing but peanut butter sandwiches, crackers, canned food
and the occasional store bought Rotisserie chicken.
Sure we hit a couple of restaurants now and again but the effect of
eating out was killing us. Sometimes we only had enough change to
dictate what we could do that particular day.
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PILLAR TWO THE GREEN ZONE VS. THE RED ZONE
Now that we have established the basis for acknowledging your
financial position, we need to make sure you know and understand
your personal financial plans.
Yes that is right I said financial plans. Most people aren't aware that
you need to have your financial objectives separated into main
categories. More importantly you need the right investments in these
plans.
If you use the wrong type of investments you may be wreaking havoc
on your self. You may even cause irreversible damage to your overall
game plan. We will get into this more later on.
For now let's focus on your understanding of the two zones. First and
foremost you need to separate your long term goals from your short
term goals. This is where the green zone and red zone derive from.
See the image below, you see two very distinctive plans covering both
financial strategies. This is the optimum way to ensure total finacial
portfolio balance, diversification and risk control.
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Photo Courtesy of ACE Capital Group all right reserved.
Take a look at the above diagram this shows a perfect financial plan as
an overall objective. The green zone in short is an area where you can
fail and rebuild. Your job, daily expenses, mortgage payments,
etcetera, etcetera...
These are the short term financial goals. In short this is probably the
the financial plan most people live by. The major short fall of this
green zone practice is that while planning for your retirement, certain
aspects of planning are often overlooked.
The major factor of retirement is often considered, but never truly
factored into your goals. Take for instance the dot com bust of the
1990's many of these people lost significant amounts of retirement
income.
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The vast majority of the losses can never be made up; due to
government restrictions on contributions limits. These are factors to
consider when laying out your investment plan.
So when you look at the diagram pay close attention to the red zone
area. This is where you plan for the future by using less risky more
conservative types of investments. Avoiding sever market volatility
and earning a high enough return on your investments to cover the
costs of rising fuel, food and inflation..
When looking at your financial objectives you have to compensate for
the costs of inflation. The Feds. Say the cost of inflation is around 3%
unfortunately the costs of fuel and food are not factored in.
This makes the cost of inflation more like 6% . When you get ready to
begin the road to investing these are the factors you must consider. If
your investments are returning less than the cost of inflation your
losing money.
For example if inflation is at 4% and you are making a 6% ROI
(return on investment) you are netting 2% total on your money.
Sounds pretty good until you start looking at the facts.
As they say the numbers never lie. In this instance you can see that
growth would be very slow at a 2%. Considering the facts that fuel
costs will continue to rise along with the costs of food, clothes, and the
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overall costs of living.
You have to keep track of all of your financial affairs especially in
these times where society has everyone reaching for their credit cards.
You must be conservative with your spending habits.
Other topics for consideration are the changing ways of the employer
retirement plans. More and more pensions and retirement planning are
becoming the employees responsibilities. You are being transformed
into a money manager whether you want to be one or not.
So with these factors in mind you now have the ability to gain control
of your finances and your investments with confidence. Again
knowledge is power but without action it's useless information. Don't
do yourself a disservice by not using what's laid out directly in front of
you.
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PILLAR THREE
WHAT TYPE OF INVESTOR ARE YOU
One of the most important factors to consider before you make a
decision to invest is to know what type of investor you are. This
question was in a book I recently read authored by Mr. Charles
Schwab.
It's a very valid and profound question since most people never take
the time to do a self analysis. Since we are here stop for a moment a
ask yourself “what type of investor am I”?
Are you a total controlling and active in the day to day aspects of your
portfolio type of investor? Are you more of a passive and out of the
picture type of investor? No matter where you stand you can still have
control and accountability of your portfolio.
You need to understand this so that you feel comfortable with the task
in which you are undertaking. Some people are completely afraid of
risk while others feel very comfortable taking on extreme amounts of
risk.
In my wifes opinion and mine we feel that aggressive investing is
always preferred but don't risk everything you have on the stock pick
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from last nights news report. If you heard it first on the news then you
can bet it's too late for the most part.
So knowing your position on the amount of involvement in your
retirement planning and everyday financial objectives is critical to
your success. Remember you cannot leave your life up to chance.
Showing up is half of the battle; the planning and constant education
and self improvement followed with action will ensure your overall
accomplishments.
Now that you are armed with a basic understanding of your finances,
an overall strategy for turning your income into profitable streams of
never ending income sources will be the next step we need to
accomplish.
So back to the type of investor you are you also need to know what
your interests are for investing. Also the assets you wish to invest in
will play a key role in the achievement of your financial success.
Are you interested in stocks, bonds, precious metals or gems, mutual
funds, t-bills, treasuries, real estate for flipping, real estate for holding,
life settlements and so on?
Although we are close to moving into the realm of investments you
must be organized and up to date with your finances. I cannot specify
this enough. If you fail to plan you will ultimately plan to fail.
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One last item to consider will be the way in which you keep track of
your money management and your investments. Will you stick with
the old tried and true pen and paper technique?
Are you more of a technology based software type of person. Software
is my preferred method. I use Quicken for my personal preference. It's
simple and easy to use also the learning curve is fairly quick.
If you run a business you may be more in tune with Quick Books or
Peachtree Accounting software. Never the less which ever method you
use stay with it and keep up to date records.
When you keep up on the day to day activities the amount of over
bearing work is reduced to a minimum. Soon after you will have a
system of your own in place and new found skill sets you can brag
about to your friends.
There will be a complete list of tools and resources at the end of this
guide. Complete with web links to the appropriate websites.
Alright one last item I should have mentioned before we even
ventured into our discussion is your mindset. You must have a
willingness to change what you are used to by changing small daily
activities.
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For instance the way you feel about money, what you know about
money, how your parents perceive money, how you perceive wealthY
people and so on. All of your current beliefs about money were
engraved into your DNA at an early age.
The way your parents feel about money, handled money and taught
you about money. Along with the way your family perceived people
who are wealthy. All of these traits are the basic elements of your
perception of money today.
There are actually psychology classes about money where the core
teachings are designed to make you become more aware of your
current beliefs and then go through the process of making the
transformation of these from negative to positive then onto clarity and
the design of your master wealth plan.
We will not cover these principles here however we will include
references to them at the end of the book.
Before we dive into the world of investments let's do a quick recap
and lay out the necessary action steps.
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Review & Action Plan
Organization and Planning
Ready, fire, aim was the old approach to your money management
now we need to set the rules and boundaries that will govern your
success. Get your mind set in place and acknowledge your willingness
to change.
Next gather your bills, your income statements, a sheet of paper,
pencil or pen and a calculator. Rank your bills by order of importance
food, shelter and transportation; followed by your less important
expenses.
See if there are any expenses you can live without even if it's only for
a short period of time like three to six months. Next add up the
expenses; then add up all of your income, yours and your partner if
this is the case.
Now here comes the hard facts, subtract the expenses from the income
and see where your cash flow is. The answer will be either positive or
negative. If it's positive GREAT. If it's negative then go back to the
expenses to see where you can budget costs.
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Remember where I came from living in a car, eating pretty much a
bread and peanut butter diet. No frills at all. We hung around trucking
company terminals for our showers and parked in huge wide open
spaces so our dogs could have the freedom to roam and exercise.
Our food costs were less than $10.00 per week. We reused our water
bottles for several months at a time until we had to change them out
for new ones. Our shopping consisted of Walmart Super Centers and
the occasional brand name grocery store for a unique dinner.
So think hard and fast about where you want to go in life, pick the
direction and let nothing or no one stand in your way. Next set up an
agenda for your green and red zones. (your long term and short term
financial plans).
You need to consider also what type of investor you are and what your
tolerance for risk will be. Risk is also determined by age; the older the
person the more conservative the investment.
If a more aggressive route is needed the risk needs to be reduced by
using more tangible assets.
The last item to consider is how are you going to keep track of your
journey? What tools will you use?
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Now put the book down and get busy. The task laid out in front of you
seems monumental. But let me close with this note.
When I started to pursue this I had almost a full years worth of mail in
a 33 gallon bag to sort out. My stack of work was huge and a very
daunting task. Talk about conquering mountains, when I could have
stayed on track and kept this a tiny mole hill.
I have mentioned the first three pillars of wealth without getting too
specific about investment choices. The topics required to make change
are all well within your reach.
Whether your rich and miserable, poor and hungry, or somewhere in
between you have the innate ability to mold and transform your
situation from what it is today to what you want it to be tomorrow.
Growth always comes from the inside. Innovation, inspiration, and
intelligence are the core ingredients to create, lead and shape futures.
No matter where you start your path or journey from it's the
destination and the journey to get there where you create memories,
develop new skillets and confidence.
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Now that I mentioned to you the three pillars of wealth to create
change.
Review – Take a look at your situation from all angles.
Decide – Choose a course of action and stick to it Prepare & organize.
Act – Choose activity to create the desired outcome you wish for.
Investigate rigorously the choices you have before you. Make them
don't act upon emotion and stay true to form. Family, friends and those
who you hold closest to the heart will reveal their true colors when
you least expect it.
I neglected to mention a couple of experiences of mine here in this
publication because I couldn't wait for you to grasp the information in
this guide. Your change will be painful, your comfort zone will
become invaded and you will want to either retaliate or cower and die.
Chances are you'll feel both. I know everyone in my family and
extended family felt the shock waves after the dusts had settled on me.
Those who sympathize soon become nay sayers and foe's of us.
Family turns their back and friends are never around when you need
them.
My wife and I have lost everything and had to rebuild from the ground
up. Planning and execution soon become habit and habits are forming
no matter if they are good or bad habits.
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We had to plan where to sleep, eat and handle our daily business. If
you have ever seen the movie The Secret to My Success with Michael
J. Fox. You can see an over zealous college kid looking to make it in
New York.
I didn't have a rich Uncle or a seductive Aunt. In fact my family are all
financially challenged and I hear about it all of the time. I feel it's my
obligation to make a mark in this world for all life, animal and
humanity.
To end the infinite, non stop plague of consumer consumption and
legally depleting all of our resources winding up broke and disgruntled
because we let outside temptation dictate our lives.
No one clips coupons with the intent of buying all of these products.
People clip coupons to satisfy a lifestyle. It's pretty sad to dictate
dinner choices because of afford ability.
Once you get your financial affairs underway you need to put into
place the action plans for your investments. You don't have the luxury
of time you need to do this now. I developed my plan living on
unemployment.
I found employment paying me $300/wk. In California that would buy
a bag of popcorn. Just kidding, never the less I found ways to dribble
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the money out of my hands and into some form of spending. If you
can't control it find a way that you can. Turn over the reigns if you
have too.
Now remember that success doesn't happen overnight. Sure there are
exceptions to every rule and of course your life will dictate your
outcome until you decide to make the change.
Just remember this was accomplished with heavy odds stacked against
us. We were the underdogs in this game. Homeless, starving
entrepreneurs, desperate for a miracle that would never happen.
Either we grew and blossomed or we died on the vine. Our dogs
suffered from the stress we had created. They kept us alive by
reminding us of the unconditional love for one another.
The peanut butter was the glue that bound us. It provided us with
energy for life and love. The sparking of an idea for automatic wealth.
The cure for our situation all had been presented to us while in a
Buick.
“The peanut butter was the glue
that bound us. It provided us with
energy for life and love.”
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It comes when you are least looking for it. As they say in business
when you chase the money you can never catch it. The trick to wealth
is to have the money chasing you.
The differences between the rich and the wealthy are really simple.
The rich make a lot of money, the wealthy keep it.
Now more than ever is the importance of financial education. Our
society is changing, getting more expensive to live in and there is no
end in sight.
Employers are shoving the responsibility of retirement upon their
employees. People which have been conditioned to follow and now
they are told to lead, sink or swim, here's your financial
objective...good luck.
You need the facts before you invest. You deserve to have an edge,
one leg upon the competition. To learn the first investment pillar of
wealth contact me. This product and the people are the reason I have
succeeded thus far. First as an investor, now I can't wait to spread the
word.
Last but not least is the ultimate pillar of strength, wealth and
abundance. Love. You see without love the world can be a cruel and
hurtful place; with it you can move mountains. It will drive you
because passion and desire are fueled by it.
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It will carry you because love is uplifting and makes us soar to new
heights and undiscovered possibilities.
It makes us care. I know you care about your outcomes in life, proper
planning is vital to ensure a long, enjoyable and luxurious lifestyles. I
would love to learn about where you are today and where you would
like to be tomorrow.
I would love to share my continued success with you and see if there
are benefits for us to work together.
No matter if your homeless, out of work, down on your luck, or doing
just fine you have choices you are faced with on a daily basis. Make
wise interactions and choices that will levitate your situation.
Mentors come when you are ready. Opportunity waits for no one.
Seize the day, seize the moment. This is your chance to receive quality
mentoring for free.
My goal is to continue my success by enlightening people from every
walk of life. Building corporations that empower and employ
homeless families, with children and pets is my vision.
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Going from broken down car to out of the spotlight superstar isn't an
easy battle. Quietly people are changing lives by providing wisdom,
education, and real solutions to consumers who are seeking extended
knowledge.
Get involved and informed find out how to overcome adversity,
poverty and regret. Gain control over your financial portfolio.
Whether you are planning for retirement, college education, leaving a
legacy for your family. You have a need for the power of knowledge.
Business owners have the ability to add a valuable ingredient to their
loyal employee's benefits, it has never been easier than now to get
educated, empowered and on your way to prosperity.
Consumers have the ability to take control and guide the shape of their
futures. Encourage your family, friends and employers to learn more.
You owe it to yourself to learn the difference and discover why your
not taught this type of information elsewhere.
All it takes are wants and desires, planning, education and action. In
life there is no try just do or die. As the Marines would say we don't
accept applications only commitments.
59 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
Take control of your finances and embrace the moment when your
financial troubles disappear. Learn how to combat procrastination and
develop a system to track your money habits.
Our “Developing Excellent Money Habits System” provides all of the
tools and training you need to gain a complete understanding of your
finances.
If you are looking for an inexpensive way to eliminate the mundane
tasks of basic balancing of your checkbook, preparing simple financial
statements, tax reports, monthly financial progress reports and daily
spending habits.
Goto www.ryanwegman.com/money-habits.html for more details.
If you need guidance in creating organizational systems for your
finances, or you have no clue where to begin have no worries, our
eight week fast track finance course will have you up and running in
no time.
We provide you with all of the tools listed in the money habits course,
along with the personal one on one coaching. We keep you in a safe
warm proactive learning environment.
With daily, weekly tips, access to our online financial forum, you will
be able to learn tips in all areas of finance. Banking, credit, personal
60 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
and business debt, liquid investments, equity investments, tax
strategies and asset protection. Also you will have access to
discounted events to develop your mindset and empower your
learning.
You'll receive gifts from several unnamed super financial gurus. These
items alone are worth their weight in gold.
Get all of the details at www.ryanwegman.com/fast-track-to-financial-
success.html
When your financial situation has escalated to a level where you feel
your out of control and you need some personal guidance to steady the
trajectory before you implode.
You need solid financial advice that you can trust. Your finances
consist of far more complex issues beyond the check book and basic
money management skills.
You now have a solid handle on your finances and your feeling
confident that you can take on more responsibility. Your ready to take
on the world. Your not sure what to do next and you've exhausted
yourself searching for the right answers.
Look no further, our advanced financial coaching system is just your
ticket. You've made the commitment to save and build a nestegg that
61 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
will support you in years to come. You are ready to make the leap of
faith.
We will guide you for a period of three years on charting the course of
all the financial decisions you make. Our professional group of
financial consultants will work with you to maximize your capital.
Money works in mysterious ways, not really, there are only three ways
I know money works. Simple addition or subtraction from earnings
and expenses.
Cash flow derived from various income sources and investments
provide the basis of life for you and your needs. Just as the heart
pumps blood through our veins, your income sources will pump
money into your life.
Then you have cash-grow or compounded interest where 1 plus 1
equals three, four or much more. You need to coordinate and
synchronise your investments with events taking place in your life.
We can match these timed events to your capital needs and
projections, provide you with research tools, recommendations for
products to enhance your financial performance.
Like a finely tuned race car your portfolio needs to perform at it's
optimum level as well as provide you with safety, security and
62 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
comfort for everyday living.
Goto www.ryanwegman.com/commited-to-mastery.html
Here we will plan out the most accurate path to gain the type of
financial security you need. From your personal daily cash flow needs
to your retirement and legacy requirements for the next thirty years.
No matter where yur financial skills are it never hurts to keep on
learning. Your mind will see things in a different light. You can catch
our webinars pertaining to retirement issues, land banking and why
you need to act now instead of waiting until it's too late.
Visist www.ryanwegman.com/webinar-registration.html
To learn about our mentors coaches and personnel please contact us at
[email protected] we will have our mentors profiles inside of
our personal forum so that you can meet them when you are ready.
63 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
WHY WILL A FREE CONSULTATION BENEFIT YOU?
For over 30 years, we have helped thousands of customers build their fortune bymoving their money from the under-performing stock market into select California real estate.
ENSURE ADEQUATE RETIREMENT INCOME
Despite the fact that 85 million people invest in the stock market today, 9 out of 10 retired Americans rely only on Social Security for their retirement income. Only about 2% of American retirees are self-sufficient.The other 98% depend on Social Security checks, help of charities and relatives, or working until death.
Social Security normally provides between $500 to $1800 per month, with the average retiree receiving only $1,250 per month.
For more information on why the stock driven retirement system is flawed, please go to the links below.
http://www.pbs.org/wgbh/pages/frontline/retirement/view/http://www.pbs.org/wgbh/pages/frontline/retirement/world/401k.html
Our long-term real estate appreciation strategy known as“land banking”provides a safe and proven way to build wealth with substantially higher returns than traditional methods.While past records are not an assurance of future performance, many of our clients are experiencing over 30% average annual appreciation.
Our alternative is one of the best, proven ways to ensure a comfortable retirement.
ROLL OVER YOUR IRA, ROTH, SEP-IRA & 401(k) INTO REAL ESTATE
The 408 provision of the IRS tax code enables you to“roll over”your existing qualified plans from the under-performing stock market into our select California real estate located in the growth path of major metropolitan centers...without cash, no penalties, and with the same tax deferment benefits. Your ownership is fee simple with a recorded grant deed and insured with a title policy.
CUSTOMIZE YOUR RETIREMENT
Our endeavor is to assist you in being able to retire comfortably. Before we can recommend our land banking alternative, we must first assess your needs and suitability. Land banking opportunities are diverse, and not every one will fit your specific needs. You and your spouse, or significant other, should meet with us so that we may determine how we might be able to help you structure the greatest opportunity to maximize your retirement income.
Call us today for an appointment, so that you may learn how we may significantly increase yourretirement income.
64 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services
RyanWegman
For speaking engagements contact Ryan at [email protected]
Put in Subject Line “Speaker request” or goto our website
www.ryanwegman.com/speaker-request.html to fill out the simple
request form. Then I will call you to discuss your organizations needs.
Remember to always be fearless!
Don't wait to buy land; buy land and wait! Learn the secret of rolling your IRA
into carefully selected, safe, high growth California real estate.
Ryan Wegman
P.O. Box 2778
Lodi, CA 95241
"A Proven Formula for a Better Retirement.”™
Email: [email protected]
Cell 925-207-8474
Personal Websites
www.ryanwegman.com (SIGN UP HERE)
www.raise-my-fico-score.com
www.ryanwegman.com/blog
www.myspace.com/retirerichwithryan (JOIN MY FRIENDS LIST)
www.ezinearticles.com/?expert=Ryan_Wegman (READ MY VIEWS)
www.ryze.com/tabrfin
www.ryanwegman.com/cash-flow (TABR F inancial Services)
www.ryanwegman.com/forum
www.ryanwegman.com/article
ACE Capital Group Blog http://www.blog.acecapgroup.com/ryan-w-new-blogline
65 © Ryan Wegman TABRfin Publishing All rights reserved. The Pillars of WealthTABR Financial Services