n these troubled times our research of investors’ goals has revealed several frustrations that they have about developing a reasonable retirement income to live off of. Here is a list:

• Bank Certificates:

  Holders of bank certificates of deposits (CDs) are producing low returns most often below the rate of inflation. The FDIC guarantee on these type of accounts is really a guarantee that your account balance will loose buying power every year.

• Mutual Fund losses:

  Most of us have lost 40% of our account balance. Is the financial crisis bleeding your retirement accounts dry?

• Capital gains taxes:

  We invest money that we have already paid taxes on in a business endeavor and the government wants to tax us again for any profits we experience. Some people are actually buying assets to loose money just to balance their high tax burden.

• Inflation:

  “In fact, none of my accounts are keeping up with inflation, says the Budgeting Babe. Not my bank savings account, not my money market account and not my 401K. In response to this statement, B said, somewhat sarcastically, that if my rates of return are above zero, the accounts still doing OK, and that the only people doing well right now are those who invest in commodities. I asked him if this meant I should invest in eggs and corn and cows. He laughed for a second, and then, more seriously said, “Well, if you open a brokerage account you can. Corn and gold are up right now…. I think the problem is that I feel helpless to do anything about the fact that my accounts aren’t keeping up.” ( http://budgetingbabe.blogspot.com ) This is a typical sentiment with numerous investors we have talked to.

• Baby Boomers Frustrations:

  77 million people in the Baby Boomer Generation are approaching retirement, and this is forcing many Americans to take a stand now on what they want when it comes to their Social Security and their future.

• Will Social Security be there?

  Probably yes, but our children will be paying through the nose for our lack of planning and foresight. Wouldn’t it be nice to not have to depend on the government to take care of us in our later years? Yet 95% of us are destined to just that situation, according to government statistics.

• When Can I Retire?

  Will I have enough to retire at my present lifestyle through my passive investment returns? In order to live off a reasonable return on our passive investments we need at least 10 times our annual income as a nest egg. And that doesn’t take into account inflation. Since 1980 the US dollar has lost 20% of its buying power.

• Are Your Investments Losers?

  Warren Buffets’ first principle of investing is “Don’t loose money.” Investing is always risky, and, statistically, more people lose money on investments each year than profit from them. Part of the reason is because the common and popular investment choices are zero sum investments like the stock market and mutual funds. For someone to make money someone else has to loose. And yet our planners think that is a prudent investment choice. If we are passively participating in this game how do we expect to win more than half of the time?

• Medical Care:

  Medical accessibility and affordability for us as we age is more likely to diminish as hordes of our senior citizens rush for the limited assistance available.

• Self Directed Challenges:

  If your IRA funds are self directed are you experiencing these challenges?

  • You want to diversify but the administration costs tend to eat away at any gains you experience short term.
  • You have a timely investment opportunity but you can not access the funds until the opportunity has passed.
  • Your administrator chooses to make sure that every investment you make does not trigger a taxable event.
  • Your account and investments are available for others to attach to in a law suit.

All of these issues are serious concerns and taken together they can seem insurmountable. But looking at them altogether from a distance we can see some clear solutions.

We need to position our assets so that we can answer all of the frustrations that we can control and reduce the risk for those that we can’t. These are the principles spelled out in the Strategic Investors Cipher. It spells out the seemingly secret code to growing a passive income nest egg safely and securely. You can sign up to download the report for free by just entering your name and email address in the form on the right.

But that is not why we are here. We want to make the pathway to your financial success easier while at the same time giving you the tools and education to do this yourself. When you do it once yourself, you can easily do it again without the learning curve and expenses. So we have laid out a step by step blueprint to get this accomplished.

Here are the parts to this blueprint.

• We want you to know the differences between the various types of IRAs so that you can effectively choose which ones are best for your situation.
• We want to show you step be step how to open your own self directed IRA.
• We want to provide you with a companion LLC. This will give you the ability to deposit as much of your IRA funds as you want into this entity which in turn allows for the option of multiple investments via a check book. This LLC will have an operating agreement that fits the IRS guidelines for tax deferred and tax free capital gains.
• We want to show you how to use this same formula to start your own business and choose the percentage of income you want to be taxable and the amount that you are setting aside for your retirement.
• Finally we want to take the next step and introduce you to the kind of investment opportunities that are recommended as viable options in the Strategic Investors’ Cipher to solve all of the challenges and frustrations referred to earlier on this page.

We suggest you take your time and read over the material here and then choose whether you wish to deal with the retirement issue now or later.

I’ve bought the other operating agreements for an llc to use in conjunction with your IRA.
They are not sufficient for your needs. Here’s what’s wrong with them…

• They don’t have the language in them to protect you from the IRS claiming that your investments are non-qualifying.
• They don’t allow you to continue to make contributions into your IRA that qualify the same as contributions you initially made into your IRA. This causes your contributions to trigger a taxable event after the fact. “There ain’t nothin’ you can do ’bout it when it’s too late.” This operating agreement will not be specific enough to work out of the box in every state but you can have your attorney review it and this will save you a lot of money.
• Also there are inherent details about how to set your entities up that are a little different in each state and that is why you should consult with an entity attorney and an accountant in your own state to make sure you are taking full advantage of every legal nuance to reduce your tax burden. You have to set these things up right the first time or you may be in trouble later on.

We suggest you take your time and read over the material here and then choose whether you wish to deal with the retirement issue now or later.

The competition charges $3000 or more to set this up. You can check them out. Their name is Guidant, and they will do all of the work for you, and they are quite competent and do a good job. But this will not be the same as learning to do it yourself. You won’t be able to do it again and again as needed.

You can get the step by step “LLC IRA Blueprint” with all of the documentation and a workable operating agreement for only $397. We’ll even include your enrollment fee for an administrator for half off. They often charge $100 or more.

We have reviewed several administrators and found one that is very knowledgeable and is reasonable in costs with a fixed charge or a sliding scale annual administration fee.

The reason you want to set up your own LLC to use to invest your IRA funds with is because every administrator charges a fee for each investment you make and then requires a release of the funds into that new investment. With an LLC you make just one contribution from your administrator controlled IRA and then you have checkbook control and can move much more quickly to access your funds.

You can also invest into several different opportunities right out of your LLC without negative recourse. There is a snapshot below to give you an idea as to how this truly self directed ira plays out.

You can see that your IRA is inside a companion LLC. You can fund your own start-up business or any other investment endeavor with this system and choose the percentage of income and taxes you want to pay and the amount you want to bracket as tax free or tax deferred from your investments.

The percentage of ownership (units) that your IRA owns of the LLC determines the amount of profits which is bracketed as tax free or tax deferred income. If you set up a standard IRA or 401K the bracketed income is tax deferred until you withdraw it. If you set up a Roth IRA then you pay taxes on the contribution as income taxes but you pay no taxes on the capital gains.

You will also notice that you can make any number of different investments without incurring administration fees and without a delay in access to your retirement funds. This is true checkbook control of your retirement future.

If you trust your old financial planner you can still invest in mutual funds or any other risky investment in this volatile atmosphere or you can choose to invest in higher yielding more secure alternative investments that are less liquid but create far greater growth over time and can get you to your goals a lot faster.

The “LLC IRA Blueprint” is not yet ready. It will be ready soon.

You can still download the “Strategic Investor’s Cipher” and then we will notify you when the blueprint is ready. See what investments actually do better in hard times and which will position you for growth in the restructured emerging markets. Order your free copy of the “Strategic Investor’s Cipher” written by futurist economic analyst Jeff Scott.