Today’s Retirement Outlook – Are You Prepared?

You’re invited to a complimentary fine dining event

Join us for a gourmet dinner and insightful discussion on strategies you can use to thrive in retirement in today’s new economy.

Tuesday, October 29th OR Wednesday, October 30th

It Is Essential To Know The Challenges You May Face Today.
With all that’s happening in our country TODAY, it’s very difficult to effectively plan for TOMORROW. Join your host, Michael B. FitzPatrick, President and Co-Founder of The LTC Partnership, LLC., for a fine dining experience and informative discussion where he will help shed light on the impact our new leadership in the White House and overall market conditions could potentially have on you and your retirement assets. Discussing various obstacles and opportunities, he will provide fresh ideas including some innovative strategies that could not only help reduce your risk, but also potentially lower your taxes and increase the amount of income you receive in retirement- regardless of market conditions.

To register, visit Event.YesRSVP.com and enter code 397636e or (800) 339-7882. Please arrive 15 minutes early to ensure we start on time.

Discussion Highlights Include:

• • The “White House Effect” – What proposed tax law changes could mean to your retirement accounts.
  • Understanding YOUR retirement risks in a volatile economy.
  • How to create consistent income for life for you and your spouse.
  • Learn how 401(k) and IRA Assets can be passed on to future generations, and how to lower your taxes.
  • Transforming Social Security into a winning retirement strategy.
  • With national debt over $19 trillion, taxes will almost certainly go up – How will this affect you?
  • How to protect your assets from the effects of another market downturn.
  • Is your Income prepared for Inflation?
  • The importance of Long-Term Care and how it can protect your family.

  To register, visit Event.YesRSVP.com and enter code 397636e or (800) 339-7882. Please arrive 15 minutes early to ensure we start on time.

  Bonus: All attendees will have the opportunity to receive a complimentary, custom Retirement Income Analysis.

Are we back in bubble territory? You be the judge, but let us present some evidence that we consider highly concerning.

The S&P is trading at around 2650 these days – a record-high level in the history of the index. How long do you think the S&P can continue to trade at all-time highs?

Of course, prices are one thing. Higher prices can signal that healthy growth and productivity is driving demand. When that is the case, you see justification for prices in the strong valuation of the underlying assets. You see strong earnings.

When that is NOT the case, you see… something else.

Unfortunately, in this era of low interest rates, it is basically impossible to make a decent rate of return from interest on capital. Portfolio managers are increasingly forced into riskier and riskier investments to find the returns their clients are expecting. Faced with enormous pressures and heavy competition on Wall Street, are they making irrational decisions because they are simply backed into a corner?

If that were the case, what do you suppose underlying price-to-earnings ratios (P/Es) would show?

Here’s a hint: The only time the S&P 500 was this expensive relative to earnings, was right before three notorious crashes.

1. In 1929 at the peak of the roaring 20’s, just months before the Great Depression
2. In the dot-com bubble between 1996 and 2002, before declining almost 50% in the subsequent bear market
3. In 2007 at the peak of credit bubble, just before a massive 55% decline as the credit crunch exploded

We hope you can join us for the educational dinner. RSVP TODAY, as space is limited.

Regards,
Michael B. FitzPatrick, CLTC
President and Co-Founder