RETIREMENT PLANNING WITHOUT THE ROLLER COASTER EFFECT AND WORRIES
Working with the TSA product has allowed our clients to enjoy great results without the risks that accompany many products in the market today.

The products we offer allow our clients a degree of comfort that is lacking in some of the products in the marketplace today.

Who has not seen their neighbor or friend excited one moment and filled with doubts the next.

Planning your finances does not have to be like a roller-coaster ride. Happy one moment and concerned the next.

The products you will learn about will not be found on an amusement ride. The companies are chosen for their security and proven results.

The effects of proper planning and a steady savings program will bring about the kind of results that will allow you to create comfort and security for the near future and retirement.

WINNING IN RETIREMENT TAKES PLANNING
RETIREMENT PLANNING

It's never too late, nor too early, to begin planning for retirement. You may have vague dreams about how you want to spend those "golden" years — resting comfortably on a sunny beach, traveling the world to exotic places, writing the great American novel, or catching up on that reading you always wanted to do. These dreams, however, can't materialize unless you actually take the steps necessary to make them a reality. And that requires adequate planning.

It used to be that a person worked for the same company for 30 or 40 years, retired at 65, collected the employer-provided pension and government-provided social security benefits and then lived out their few remaining years in relative comfort. Now, frequent job changes are the norm, and many more of us are striking out on our own. The increased job mobility, however, can make it more difficult to accumulate significant retirement benefits. Political debate has generated concern about the future of the social security system; what's more, lifestyle changes, improved technology and medical advances mean people can expect to live longer than ever before.

At first, retirement planning may seem somewhat daunting. It's scary to consider things like your life expectancy and potential health care needs, especially when you're faced with the more immediate problems of financing the kids' education or a parent's stay in a nursing home. But the fact is, adequate planning is more important now than ever before. You can no longer rely on your employer or the government to provide for your retirement years. You must take personal responsibility for your future and plan for those 20 to 30 years (or more) after the regular paychecks stop, or after you retire from active participation in your business.

Solid retirement planning can be done and will probably be easier than you thought. Some of the pieces may already be in place and may need only a little fine-tuning. In other areas, you may need to start from scratch. Just remember to be flexible — you're aiming at a moving target and you will continue to make adjustments as you go. What is important is that you take control, regardless of where you are right now.

The following information will get you started and help you through the retirement planning process. The major considerations in planning for your retirement are:

Estimate Your Retirement Needs.
Estimate What You Currently Have.
Estimate Any Other Benefits or Programs.
Estimate Your Benefits From STRS.

All of this can be done at your Confidential Planning Review.

YOUR DREAMS WILL COME TRUE

A perfect example of a dream coming true occurred with one of My first clients. This teacher, who had been working for over 10 years did not know about the T.S.A. program. She could barely save money and her dream of owning a home was slipping away.

I encouraged her to hold on to her dream. I sat down with her and reviewed her pay stub and did a full confidential review. After we were done we found she could shelter $950.00 per month and her net paycheck was not greatly affected.

After 5 years she had over $50,000.00 dollars in savings and was able to take out a loan against her TSA for her down payment. She had been able to save for her home and was exhilarated. She told me how she had not believed owning a home was a possibility. She has been a client for Nearly 20 years and continues to save for her retirement.

I have so many wonderful experiences to relate. I believe that teachers deserve to win. Education is not an easy process these days. Its really important to make the best use of your money so that while you are busy raising the future leaders of America you are also winning in your daily lives.

It is our promise to help you learn how to win for today and the future.

While you are busy teaching your money is busy working. The TSA market is your market. Find out how you can win and achieve all of your dreams. We promise to do our part in making your dreams a reality.

Please send TSA PRO an e-mail so we can set up a confidential review.

E-MAIL : TSA PRO / LEON FAINSTADT