Wealth Without Wall Street

Buy Direct
Avoid Commissions, Fees, Loads

Up to 60% off
Mutual Funds, Securities, Annuities, Insurance,
Funding for Vehicles, Education, Retirement

Dan Keppel
Author of The Simple Financial Life:
How to get what you want without debt or living paycheck to paycheck

IAN Books
 An IAN Books paperback

Published by
IAN Books
41 Watchung Plaza, B242
Montclair, NJ 07042

Copyright © Dan Keppel 2009

All rights reserved. No part of this book or its Interactive Internet CD can be
reproduced, transmitted in any form or by any means, electronic or mechanical,
including photocopying, recording, or by any information storage and retrieval system,
without the written permission of the publisher, except where permitted by law.

Special sales are available for the educational use by nonprofits.

ISBN 1442168137
EAN-13 9781442168138
Library of Congress Control Number: 2009929781

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 Contents

Introduction Wall Street's world turned upside down 7

Headlines in 2009
1. Buy only what you need and save $3,000 a year: 17
Accumulate $939,423 in time
2. What we really know about accumulating wealth 29
“We continue to make more money when snoring than when active.”

3. The Insider’s Guide to Your Spending Plan 43

The difference between you and a millionaire
4. The Insider’s Guide to Your Wealth Reserve 57
“assets that grow by themselves”
5. The Insider’s Guide to Making Your Financial Future 67
A Simple, Easy Wise Strategy
6. The Insider’s Guide to Your Self-Insurance Fund 81
Insure your lifestyle not your life
7. The Insider’s Guide to ‘Living’ Insurance 87
Protect how your family lives
8. The Insider’s Guide to a Self-Funded ‘Bank’ 93
Create your own ‘bank’ for no interest loans
9. 12 Things your Agent, Broker, Banker, Money Manager … 99
Will NOT Tell You.
10. What NOT to Buy: 103
101 financial products and services NOT to buy and why

The Insider’s Guides

11. The Insider’s Guide to Vehicle Insurance: Beware of Double Coverage 127
Save up to $6,000 in 10 years
12. The Insider’s Guide to Buying Life Insurance: Do you need it? 139
Save up to $20,000 over 20 years
13. The Insider’s Guide to Homeowner’s Insurance: Beware false coverage 151
 Save up to $2,000 over 10 years

14. The Insider’s Guide to Disability Insurance: Cash is a better plan 167
Save up to $5,000 over 10 years
15. The Insider’s Guide to Long-term Care Insurance: Do you need it? 177
Save up to $40,000 over 20 years
16. The Insider’s Guide to Health Insurance: Do you need it? 189
Pick the right plan and save $5,000 over 10 years
17. The Insider’s Guide to “Lawsuit” Insurance: You need an “umbrella” 205
This coverage is often overlooked
18. The Insider’s Guide to Banking Services: Services you don’t need! 215
Save up to $60,000 over 20 years
19. The Insider’s Guide to Buying a Mortgage: Match to your lifestyle 233
Save up to $40,000 over 40 years
20. The Insider’s Guide to Education Funding: Pick the low-cost plan 247
Save up to $20,000 over 20 years
21. The Insider’s Guide to Buying Mutual Funds & Securities: Beware fees 259
Save up to $60,000 over 20 years
22. The Insider’s Guide to Vehicle Purchase: Beware of the smell! 281
Save up to 40% on each vehicle
23. The Insider’s Guide to Retirement Spending 299
Assures you of having enough
24. The Insider’s Guide to Buying an Annuity: Do you really need one? 313
Alternatives save $20,000 in 20 years
25. The Insider’s Guide to Wealth Transfer: Create a family legacy 325
The right way saves $20,000 in 10 years
26. The Insider’s Guide for Women: Protect Your Financial Health 339
Secure Your Financial Independence
27. The Insider’s Guide for Survivors: Create Your Future Life 347
You can take control and make a new life
28. The Insider’s Guide to Business Insurance: Buy only what you need 369
Don’t underestimate liabilities
Conclusion: You can do it yourself! 384
Who else will build wealth for you?
Resources 391

Acknowledgments 392

Index 396

Author 408
 Introduction

Wall Street's world turned upside down

These were the headlines in 2009.
Wall Street financial management has proven itself worthless. Bill Gross was right.
Only 2 advisors provided their clients with the correct advice about the total collapse
of the market in 2008-9. In one year, most money management clients have seen their
accounts plunge 40%, 50% even 70%. No advisor has fired him/herself. No advisor
has returned their advisory fees and commissions. In fact, most advisors hid from
their clients during the worst of the storm, as acknowledged by Fidelity executives in
May 2009.

The naked truth—YOU must build wealth without Wall Street.

Actually, the members of our Network already heeded Bill Gross’ warning in
1997. They use passive investing—
investing in index funds of strategic “Professional money management
segments of the markets. They is a gigantic rip-off.”
don’t need to pay for advice since Bill Gross, star bond manager
not only does it not help, but EverythingYou’veHeardabout Investingis Wrong
“professional” advice takes 25% of
their accumulations over time. They invest in very low-fee index mutual funds that
reflect where the world economies are growing. Over the long term, index funds
outperform 88% of similar actively-managed funds.
This book is about how your Wealth Reserve can grow tax-FREE from the
$3,000 you save each year by buying directly from the product providers that industry
Insiders use. We provide you with the industry-insider expertise to buy the best
financial products and service yourself, without the middle person markup.

Never Pay Retail Again

"Investors should purchase stocks [financial services] like they purchase groceries—
not like they purchase perfume…”
legendary value investor, Benjamin Graham
“Wall Street” includes brokerage firms, money managers, insurers, banks, mortgage
companies, and any other organization operating without your best interests at heart.
In the 21st century, you can purchase the financial services you need at a discount. You
never pay retail again. You save $3,000 every year on the financial products you
already own by switching to the low-cost products and services that many industry
insiders buy for their own accounts. Mr Graham would have bought his securities at a
discount broker directly not at a “Wealth Management Private Bank.” He would shop
at the “big box stores,” not boutiques. He bought value—quality at the right price.

Do you know where to find the best value . . .

for insurance—auto, life, homeowners, health? Frank saved 62%

for mutual funds and securities? Ron saved 67%
for long-term care? Mr/Mrs K saved $120,000
for mortgages? Ms Lee saved
40%
for education funding? Ann saved $30,000
for retirement funding? Ron added $400,000
for annuities? Dorothy
saved 83%
for vehicle purchases? Danielle saved 30%
for wealth transfer? John & Liz saved
89%
for the best customer service? JD Power winner 9
times

My experience of 20 years in the financial services industry has taught me that most
people do not know the answers to these questions. About HALF of investors with
$500,000 did not know the amount they paid in fees for their wrap accounts, according
to the Spectrem Group. Yet, 72 percent of respondents said they had a good
understanding of fees in general.
Financial professionals are diverting your money away from your future.
John Bogle has estimated they have taken $500 billion in Enough, p 82. Stop wasting
your income on fees, commissions, charges, expenses, etc for all your financial
services and products. There are alternative solutions that cost less. Your advisor can’t
offer them because their firm picks only the highest revenue products. Stop paying for
poor results.

STOP using “load” mutual funds which take a yearly fee of 0.50% to 2%
even after your paid up to 5.75% of your money up front.
STOP paying $50-$200 in commissions for securities transactions.
STOP paying 6%-7% on annuities—up to 12% on indexed annuities.
STOP paying 10% on rollover 401k plans into annuities.
STOP paying up to 150% of the first year’s premium on life insurance.
STOP overpaying on car and home insurance by 30%.
STOP paying up to $3,000 on trust and banking services.
STOP giving up HALF your retirement nest egg to the sellers.
STOP thinking short-term. Think how much the fees cost you over time.

The higher commission products usually hide the costs. For example, variable
annuities typically pay the broker between 6% and 7%, yet most investors think they're
not paying anything when they buy them. Advisors usually say the insurer pays them.
Yes, but how. Look at the surrender penalty—the amount you pay to get your money
back. It may be 10% or more. You may pay for 20 years! The insurer pays the broker
by paying you less each year. Commissions are considerably higher for equity-indexed
annuities. Rates of 10% or more are common. Is it any wonder that these are promoted
so heavily? So, in letting your “advisor” roll-over your lifetime $500,000 401k balance
to an IRA annuity, your “advisor” is clearing $50,000 or more—your lifetime savings
becomes his lunch money. The larger companies will happily move the money FREE.
You don’t need to make your “advisor” a millionaire. They receive bonus money to
sell you certain products as ex-Fidelity workers revealed in 2009. investmentnews.com
4/3/9.
Why is it important to know how much you are paying? You could be losing
$500,000. You are probably losing between 2% and 3% of your retirement nest egg
EVERY YEAR due to excessive fees on your mutual funds alone. Since your money
compounds daily, that could mean you are giving $500,000 to intermediaries who do
little to increase your nest egg over time.
If your mutual fund choices earn 8%, you actually keep 5% to 6%. Over your
lifetime of contributions and earnings, you could have accumulated $900,000 at 8%.
However, at 5%, you only receive about $400,000. The $500,000 went to expenses,
commissions, fees, trading expenses, and other costs. See John Bogle, Battle for Soul
of Capitalism, p. 210, 167.
 It’s time for a change

People who I have helped to learn the answers to the issue of costs have found $3,000
they were wasting EVERY year. With these savings, they are building their own
Wealth Reserve that can compound to $939,423 in time. They learned to think long-
term. They are living The Simple Financial Life.

The BEWARE: People who use The Insider’s Guides in this book have
SIMPLE
FINANCIAL saved $3,000 every year on the financial products they already own
Life
or need. However, those who have used our Guides are NOT buying
How to get what you
want without debt
or living paycheck to the heavily advertised products that industry’s retail sales people
paycheck

Dan Keppel
recommend. The financial industry sells only products that are
loaded with fees and commissions and costs using many names.
Industry Insiders avoid “retail” products because they are saturated with costs.
Insiders use products not sold by retail firms. They use manufacturers with top ratings
that are NOT sold by retail agents, brokers, bankers, or money managers because the
commissions are low. You are NOT going to be able to confirm how much better off
you will be by asking your current agent, broker, banker, money manager or advisor.
The products that Insiders use do not pay well. Thus retail salespeople don’t know
about them. They can’t sell products that don’t pay high commissions and fees. They
don’t sell products not advertised nationally. They don’t sell for companies that don’t
give them trips for making sales.

BE PREPARED: People who use this book learn to be savvy and independent
shoppers. You are going to learn the Insiders’ ‘tricks of the trade.’ Just like any
business, those who work in an industry usually don’t pay retail. In the financial
services industry, this means using products and services from providers who compete
on price, usually selling directly to the public. They do not advertise nationally. They
don’t have high overhead. They don’t pay middle men and middle women high
commissions or fees to push their products. So-called ‘professionals’ will criticize your
choice of alternatives. You will need to remember that they are experts—expert
salespeople. They have a conflict of interest. They live on commissions and fees.

MYTHS TO UNLEARN: You don’t need an “expert” to be able to obtain all the
financial products and services that you need. “Professional money management is a
gigantic rip-off,” bond guru, Bill Gross, confessed. It is not difficult to be a successful
investor. You can become financially independent with your current income. After
learning how to save on all your financial needs, you can buy products yourself. You
will have extra cash to build a Wealth Reserve. Your Wealth Reserve can become your
‘self-insurance’ fund and your ‘self-funded’ bank. Your Wealth Reserve is like your
own company. You use it to retain some of your risks (to save premium) and to pay
cash for your lifestyle needs. You STOP paying interest to your bank, fees or
commissions to your agent, broker and money manager. You will be able to pay cash
for everything you buy, except when you can buy an asset that grows at a higher rate
than the loan. You will become an owner of “assets that grow by themselves,” not a
“consumer” of things.
Using our Insider’s information, you will learn how to shop for financial
services so you can buy with multiple discounts. However, like all savvy and
independent people, you will need to pick the best alternative for yourself, without a
salesperson telling you what to do. You may even come to the conclusion that you
don’t even need some of the services you are now paying for. NO salesperson is ever
going to tell you that! Our Insiders are “Your Unbiased Advisors.”
Our Network of members share Insider’s secrets. The Network does not sell
products and services. Our motto is

Give a man a fish; you have fed him for today.

Teach a man to fish; and you have fed him for a
lifetime.

An example illustrates how we help members save over 60% and use the savings to
enhance their own financial situation, not the seller’s position.
Frank bought MetLife insurance because the agent said the company is the
best. She said, “MetLife is large and will always be there to pay the benefit.” However,
is it worth paying an extra $17,970 on your level term policy? There are customer-
focused insurers, rated A+, the same as MetLife, charging $384 vs.
MetLife’s $983 for the same $300,000 30-year term policy. That’s Frank saved
60%:
$17,970 Frank was wasting! $17,970
On the other hand, investing your savings of $599 ($983-
$384) in your Wealth Reserve for 30 years in a market index (average 12% annual
return) can provide an extra $175,000 for YOUR dreams not the seller’s.

Do you get what you pay for?

Mr/Mrs K. NJ
will have an We think not. It is the same $300,000 benefit check to your
extra $250,000.
family at death. Agents can’t sell the policy offered by the
customer-focused carrier. Our Insider shares with you how and where to obtain this
policy in the chapter on life insurance.
I am convinced that if most people considered the facts, they would take the
money and drop their current policy or account. In this example, the other company
has the same AM Best rating of financial strength. Its agents are also available by
phone. The same regulator approves its rates. Thousands of policyholders receive
benefits from this other company. The only difference is that this other company
doesn’t have high expenses: expensive advertising, mascots and senior management.
This book shows you how to buy almost every financial product and service
you use for less. Your savings on just one of the services you NOW use can be
substantial. For example, one member moved their mutual funds from Fidelity to
Vanguard and saved 1% of their $545,000 account EVERY year. By the time they
retire, they will have an extra $250,000 available.
Even better, if you use your savings to buy ‘assets that grow by themselves,’
you could amass a very large Wealth Reserve that can sustain you for the rest of your
life. Your Wealth Reserve can help you ‘self-insure’ and ‘self-fund’ your lifestyle,
which in turn, helps you save even more. You may also find you are paying for
products you don’t need. Direct those saving to your Wealth Reserve.
We think that most people are missing the BIG secret of becoming wealthy—
the miracle of compounding. $100 can become $10,000! If all of us knew that over
time, we could have a $250,000 Wealth Reserve within 15 to 20 years, we would
become copious savers by age 8!! Since it is never too late to learn the “tricks of the
trade” and save thousands of dollars, any person can become financially independent.
By using our Insiders’ expertise, you can save on services you already own.
Look how your savings can grow. Each $100 invested becomes $10,000:

Monthly Accumulationat 12%per year

5 10 15 20 25 30 35 40 45 50
$100 $8,167 $23,004 $49,958 $98,925 $187,884 $349,496 $643,095 $1,176,477 $2,145,469 $3,905,834
$200 $16,334 $46,008 $99,916 $197,850 $375,768 $698,992 $1,286,190 $2,352,954 $4,290,938 $7,811,668
$300 $24,501 $69,012 $149,874 $296,775 $563,652 $1,048,488 $1,929,285 $3,529,431 $6,436,408 $11,717,502
$500 $40,835 $115,020 $249,790 $494,625 $939,420 $1,747,480 $3,215,475 $5,882,385 $10,727,346 $19,529,169
Our Insider’s Guides provide the names of financial products and services that are the
best solutions for most working people. They explain why this is true. Then they
explain where and how to buy products and services that can meet your needs. They
help you buy ONLY what you need. You skip the extras that cost more but don’t help
you. You buy from the best providers with the highest ratings. They also tell you which
products to avoid and why they are NOT your best alternative. The Insider’s Guides
cover almost all financial products and services available to you:
Build your Wealth Reserve with savings from Insider's Guides for . . .

o Vehicle Insurance . . save up to $6,000 over 10 years

o Homeowner’s Insurance . . .
o Life Insurance . . .
o Lawsuit Insurance . . .
o What NOT to buy: 101 products to avoid
o Health Insurance . . .
o Disability Insurance . . .
o Long Term Care . . .
o Education Funding . . .
o Retirement Spending . . .
o Banking . . .
o Annuities . . .
o Mutual Funds/Securities . . .
o Spending Plan: Reach every goal
o Self-Funded 'Bank' . . .
o Vehicle Purchase . . .
o Mortgage Purchase . . .
o Wealth Reserve . . .
o Wealth Transfer . . .
o Living Insurance . . .
o Self-insurance . . .
o Business Insurance: Buy only what you need
o Financial Independence for Women
o Survivors: Create Your Future Life
$2,000 over 10 years
$20,000 over 20 years
$3,000 over 10 years
$5,000 over 10 years
$5,000 over 10 years
$40,000 over 20 years
$20,000 over 18 years
$1,000s over 30 years
$30,000 over 10 years
$20,000 over 20 years
$30,000 over 10 years
$250,000 in 15 years
$10,000 per vehicle
$3,000 per contract
$1,000,000 in 25 years
$20,000 in 10 years
$120,000 over 20 years
$20,000 over 20 years

Who are the Insiders who provide this information to you?

Our Insiders are, or were, employees of financial firms. Most of them have over 15
years experience as managers, brokers, agents, and bankers in brokerage firms,
insurance agencies, savings and commercial banks. Some have run insurance entities.
Some have designed annuities. Some have created money management products.
Some have helped regulators form guidelines to better protect the public. Some are
salespeople in various lines of business. All of them have become disillusioned with
their industry because it has veered from the traditional role of fiduciary toward the
role of “asset empire-builders.”
My name is Dan Keppel. I have been an executive in banks and securities
firms. I started my own financial coaching firm to provide you with a better way—
information to help you take control of your own financial life. I help you “self-insure”
and “self-fund” your lifestyle by creating a Wealth Reserve. It is a Reserve so you
build wealth, not give wealth to the sellers. If you have a Reserve, you don’t need to
buy insurance for every risk. If you have a Reserve, you don’t need a bank to fund
purchases like cars, college, and retirement. If you have a Reserve, you rely on
compounding to grow your assets by themselves continuously.
Other financial executives and I have come to the understanding that the
industry is not going to help the average-working person become independent. We
don’t like the direction the industry is going. Some of us have left to try to find a new
way. The industry distribution strategy is in crisis. The commissioned sales-force
system is broken. The industry knows it has to change. Our Network of members—
people like you—take advantage of the fact that some manufacturers sell to the self-
directed and financially independent public. You can learn how to save like our
members.
We see the change in the industry summarized clearly by what Ronald Glantz,
former director of research and chief investment officer for PaineWebber (now UBS),
told the House.gov back in August 2001.

[Stock] analysts used to view retail customers and investment managers as their
clients. Now, the job of analysts is to bring in investment banking clients, not
provide good investment advice. This began in the mid-1980s. The prostitution of
security analysts was completed during the high-tech mania of the last few years.

The industry has abandoned its fiduciary practice. The industry is now driven to
produce higher profits each quarter. Your broker, banker, agent or mutual fund firm
can’t provide you with the best products in the 21st Century. As the ex-Fidelity brokers
said, “A lot of us left because we realized we were going to have to sell proprietary
products and be in conflict with the CFP code of ethics.” Our Insiders help you
understand your financial needs so you can drop what you don’t need. In a sentence,
you can save enough money in fees, commissions and charges on your financial
services in order to buy the other things you want by letting your money compound
FIRST. You turn the tables on the industry. You keep the compounded earnings on
your money instead of giving them to your banker, fund manager and insurer.
The financial industry is specializing. Bankers, agents, brokers and money
managers can’t earn a profit on your accounts unless you have big balances with them.
If you want to become financially independent, you need to buy directly from the low-
cost providers.
We Insiders know and use the low-cost providers for our own accounts.
However, the typical customer does not have access to discount manufacturers because
the middle persons they deal with do not offer their products. For instance, you would
have a hard time buying the lowest-cost mutual funds, CD, and insurance from your
broker or banker or agent. Why? Vanguard does not pay commissions. Local banks
aren’t lending. SBLI does not pay high commissions. Your auto agent does not offer
‘direct writers’ or niche specific insurance. Your banker cannot offer high-paying CDs
from specialty banks. Your broker cannot sell stocks and bonds for $0 commission.
Using our Insider’s Guides, you can buy value—quality products priced right
without the middle person markup!

How is it possible to become a financial do-it-yourselfer?

This new way of solving your financial needs in the 21st Century is possible because of
two trends:
Commoditization:
products supplied
1. Commoditization. The financial services industry is without qualitative
differentiation.
becoming a commodity business not a personal service
business. The trend was led by “direct writers” of insurance, no-load mutual funds and
“discount” brokers. The selling of vehicle insurance has become completely price
competitive. “People who switch save $600” is a tag line. Direct writers are
advertising in the mass media on price alone. Discount brokers are offering stock
transactions for as little as $0.00 online. Low-cost mutual fund families are now
available. There is no cost to buy directly from these firms. As Bill Goings, President,
Life Insurance, Genworth Financial (GE) said, “Traditional insurance company models
are in oversupply today and have a tough time fighting the gravitational pull of
commoditization.” insurancenewsnet.com
2. Access. In tandem with commoditization, the Internet and call centers have made it
possible to become knowledgeable about our needs and solutions. In the 21st Century,
we can BUY DIRECT from manufacturers. As in other industries, customers can learn
and shop online. Financial services salespeople are taught that “consumers” consume.
They aren’t capable of deciding about products, they must be sold them. Financial
salespeople were taught that by providing the information they were given by the
company, they can “educate” the buyer to think they need the firm’s product.
Salespeople then provide it as if they were heroes. Knowledge=Power

Today, the industry’s goal is to control your assets so they can generate fees EVERY
YEAR no matter what happens. Our Insiders believe that the way to become
financially independent in the 21st Century is to take advantage of the new sources of
unbiased advice, including our Network. We know the industry tries to make financial
information and strategy difficult to find and understand. The industry claims that you
need a professional to provide you with the right products and services. That is a myth.
We know that any person, with a little Unbiased Advice, can become
knowledgeable about the alternative solutions to their needs and can obtain the product
that best suits their needs. We believe that almost everyone can save $3,000 a year. Do
It Yourselfers have pioneered this strategy in financial services just like they did in
buying at stores like Amazon, Home Depot, Staples, Costco, Blue Nile, AutoZone, and
Wal-Mart.
It is our dream that fewer people will be deceived and robbed of a Wealth
Reserve that could be the foundation of their financial freedom. Everyone can save on
their financial needs. Everyone can create a Wealth Reserve of $1 million as ‘lifestyle’
insurance in the 21st Century. The industry wants you to think it is hard to do.
There are two ways to buy the financial services you need. Our way is the one
for those who DO NOT want to pay full price or be misled by a salesperson or both.
By learning the ‘tricks of the trade’ from our Insiders, you will have peace of mind in
your financial freedom. You don’t need extra money or time. This way is for those who
don’t like to be taken advantage of by salespeople.
"Investors should purchase stocks [financial services] like they
purchase groceries—not like they purchase perfume…”
legendary investor, Benjamin
Graham
This way is for those who are already spending their incomes on financial
services and now want to STOP giving away thousands of dollars for little added
value.
Our members illustrate how The Insiders Guides can help you:

Mr and Mrs Kaiser of New Jersey transferred all of their mutual fund accounts to the
low-cost leader and saved over $3,000 a year in fees. They had been paying 1.2% of
their account values each year for over 10 years. Their Wealth Reserve will be about
$545,000 greater because NOW they pay only 0.20% per year until retirement.

Ron Delaney of New York will gain $400,000 because he asked about his 401k plan.
Mutual fund fees are the largest source of overcharges—$400,000—over time. Ron
did not believe pension costs were as high as we said. He asked his HR person about
the costs of his 401K plan. He received a packet of materials. Finally, he calculated
that his annual expenses were 2.1% and his annual fee was $50. His plan offered index
funds for just 0.70%. He picked which funds he needed after reading our Guide. Ron
saved $2,800 ($4200-$1400) every year. By the time Ron retires, he may have added
an extra $400,000 to his 401k.

In Chapter 1, I put all my cards on the table. I explain my biases and assumptions. Our
Insiders explain:

why you don’t get what you pay for when you pay retail!

We want you to buy direct and start saving $3,000 every year.

To purchase a copy of

Wealth Without Wall Street

go to

Amazon
TheInsidersGuides.com
 Author

Dan Keppel has been helping people find financial services that fit their lifestyles since
working in a securities firm, an insurer, two banks and his own advisory firm. His
previous book, The Simple Financial Life: How to get what you want without debt or
living paycheck to paycheck, shows how to live the way you want to without having to
worry about money. He edits www.TheInsidersGuides.com and is an adjunct at a local
college. He lives in Montclair, NJ with his wife, daughter and two cats, Anu and Katze.

New: The Insiders’ Guides to Buying Discount Financial Services: Buy Direct Save
$3,000 Every Year, June 2009