[Continue reading]…For six years I sold stocks, mutual funds, 401ks, term life insurance and trusts. I made all the “right” recommendations by industry standards but I began to notice some discrepancies that started to make me question what I was doing.
A Rude Awakening
I started to realize that the only people making any real money were in the upper echelons of banks and brokerage houses. I could see that after fees, poorly timed entry and exit points and market fluctuations that the vast majority of casual investors were setting themselves up for long-term financial failure.
As a so-called trained financial professional I also realized that I could not wisely advise my clients with any predictable outcome.
In 1985 I attended a symposium sponsored by a very outspoken individual who had created a holistic/macro-economic way of looking at money. The information presented in this seven day symposium confirmed my suspicions.
Among many other revealing insights, I learned that the Dow Jones/stock market had returned an average pre-tax yield of 3.79% from its inception in 1885, if a long term position was taken.* Factoring just taxes and inflation this 3.79% would in fact be an obvious negative rate of return.
The conclusion I came to and validated for myself over the last 42 years in the financial sector is that the products that financial institutions are promoting and asking their agents to sell are consistently making money for the institutions and the agents, but are seldom putting any money in the pockets of the consumer. The stock market decline in 2008 and the recent bursting of the real estate bubble has again validated this conclusion.
*You can calculate the rate of return in any period of market history by clicking here.
A Holistic Way of Thinking that Creates Long-Term Wealth
Having had a background in chiropractic and naturopathic medicine, I wanted to share my knowledge of macro- economics with other healthcare professionals.
Chirowealth Learning Systems and the coaching methodology now employed has evolved to a system that provides duplicatable and predictable results.
Please study this overview and review the testimonials on the following pages to get a feel for what you, too can achieve. You will quickly learn what 95% of the public and even the majority of the agents of financial institutions have not yet discovered.
Economic Slavery
Have you ever heard of the Golden Rule? It goes like this, “He who has the gold, makes the rules.”
Here is the reality... only 5% of Americans retire financially independent. The system is set up for the top 1%; the Power Brokers, who make and own most of the wealth, 34.6% as of 2007. The other 4% of Americans that achieve real wealth do so through some combination of creativity, hard work, planning, financial savvy and at times, luck. The trick is to learn what it takes to become part of this 4%.
The American Dream is elusive for a reason. If too many people were to achieve the “Dream” who would do the work?
Slavery, 21st Century Style
The financial system in this country is configured to work for the top 5% and designed so that the majority of the population can get a big screen TV, buy a home (with a fat mortgage), take a vacation or two each year and then spend the rest of the time distracted trying to make enough money to pay their bills, pay their taxes and service their debt. The promise of the Great American Dream provides a perpetual state of hope that our lives and our finances will get better. Credit lets us buy the things that give us the illusion that things are better.
People who have a few comforts and live in a perpetual state of hope stay distracted and keep working. They do not question the taxing system or executive bonuses or the economic bailout or the Patriot Act. They do not question Wall Street and what the mainstream media tells them. They are too tired, too brainwashed and too afraid to rock the very boat they hope will eventually provide them with their big break.
As a chiropractor, you no doubt can clearly see how the allopathic medical establishment, pharmaceutical companies and corporations have enslaved Ameri cans with respect to their health.
For you to achieve financial freedom you must seek economic truth and break the financial binds that are holding you hostage. To do this you have to clearly see how the mainstream financial establishment parallels the allopathic medical establishment and is pushing financial products for THEIR profit, not yours. These well marketed and poorly designed financial products alleviate and mask your current financial symptoms to the detriment of your overall and ultimate financial health.
As long as you continue making choices that put money in the pockets of the Power Brokers you will ALWAYS BE AN ECONOMIC SLAVE.
While it may not be practical or possible for all people to fully free themselves from this system, you can stop the bleeding, free yourself FOREVER from debt and take back your economic autonomy. And you don’t even have to rock the boat or break any laws or rules.
How Accurately Are You Able To Predict Your Financial Future?
Most chiropractors I have worked with over the years, had no idea where they stood financialy, let alone where they would be in 5, 10, 20 or even 40 years.
The tendency is to get caught up with the day-to-day workings of building a practice and business. Your business, of course, deserves your undivided attention since it is an essential key to the wealth equation, but is no guarantee of your wealth success, if you don’t know how to keep your financial house in order.
Even Million Dollar Practices Fail Financially
I have had dozens of clients who by all appearances were some of the most successful chiropractors in the industry. They had created fantastic practices, bringing in well over a million dollars each year. They had a very clear vision where they were going in their business and they thought the sizeable income they were generating was going to automatically lead them to the lifestyle and retirement of their dreams.
I walked each of these clients through the Chirowealth learning system where we analyzed the financial path they were on, taking into account the impact of all areas of their financial life including their belief systems, mindset and attitude towards money, debt, taxes, overhead, lifestyle expenses, investments, estate protection, etc.
After engaging in this macro-economic or holistic look at their financial life, each of these chiropractors was surprised to discover:
1. They were on a path to financial failure and didn’t even know it and/or
2. They were unknowingly losing millions of dollars over their
working lifetime because they had holes and inefficiencies in their financial philosophy and strategy
These chiropractors were so busy minding their business that they didn’t realize their financial house was in disarray.
What Constitutes a Successful Financial Strategy?
Most financial professionals cannot answer this question much less help you design such a strategy. Like the allopathic medical doctor, they dip into their bag of financial products designed to treat your financial symptoms, rather than address your overall financial health.
A successful financial strategy at the very minimum must:
■ Have a predictable outcome
■ Be easy to implement
(Does not require constant watching)
■ Provide peace of mind
■ Provide maximum tax advantages
■ Provide liquidity
■ Include a method to eliminate debt and stop
borrowing from banks and financial institutions
■ Be able to complete itself in the event of death or
disability
■ Not be dependent on or driven by speculative
investments
■ Guarantee a tax-free retirement income
■ Not be dependent on tax benefits provided by
government qualified plans
■ Provide tax free benefits for estate and survivors
■ Protection from predatory attorneys
Does this sound like your current financial strategy? If not, you better find a way to pull your financial life together before you find your future compromised beyond repair.
The Chirowealth Coaching Process
For almost two decades I have coached hundreds of chiropractors to get out of debt and free themselves from economic slavery. My clients’ results are irrefutable proof that what I teach works. If you do what these other chiropractors have done you will become like them—financially free.
The learning process is not complicated. In fact, there are really only a handful of things you must do to become financially free.
You already have the vehicle to attract and generate money; your practice, so building wealth is largely a mechanical process, however, there is a foundational philosophy you must develop to overcome the obstacles that will stop you from achieving financial success.
Most individuals do not develop the philosophy or understand the mechanics of building and preserving wealth. For those that do, most will still fail as they neglect to practice the required disciplines. Understanding and embodying the necessary behaviors and disciplines is mandatory to achieving financial wellness.
If you would rather take a vacation than take the time to learn these disciplines, you will merely have a nice vacation.
The chiropractor that takes the time to learn and exercise the necessary disciplines for building and preserving wealth ends up owning the beach where you take the vacation.
Your Next Step
For your complimentary consultation click HERE to schedule today!
I look forward to speaking with you.
Yours in prosperity,
Bruce Reimer
Chirowealth Learning Systems
chirocoach@hushmail.com
