ILL PAY YOU $500 IF I CANT SHOW YOU HOW TO BUILD REAL WEALTH. Mr.

John Sample 21 Maildrop Terrace Samplevile, CT 06905 Dear Mr. Sample, I dont have to tell you that these are trying times for the investor. And, if youre like most investors, you could use some good, sound advice to see you through. No, Im not talking about the kind of advice being peddled a couple of years ago that got investors into the fix theyre in. Or the one-size-fits-all kind dispensed every month by the popular financial magazines. Advice like that is the last thing you need right now. In fact, the best advice I can give you is to forget almost every piece of financial advice you ever received. Why? Simply because most of the old saws weve heard all these years just dont work. If they did, everybody would be rich. Worse, most financial advice actually gets in the way of achieving real wealth. In fact, by following the conventional wisdom your could be walking away from the kind of retirement youve worked so hard for. You could be literally throwing away thousands of dollars every year. But if youre willing to ignore what you think you know and open up to some new ideas, I GUARANTEE that can show you how to achieve ...no...surpass your financial goals. I can help you add a million or two to your retirement funds send your kids to the best collegesand gain additional spendable wealth of one million dollars or more. And if I cant...Ill write you a check for $500. please continue...

Sound too good to be true? unless Id seen it happen.

I would think so too The fact is Ive

But maybe Im being too modest. helped make it happen.

My name is Justus Eapen and Ive helped hundreds of my clients save on taxessecure lifelong protection for their families and build wealth far beyond their greatest expectations. Its taken me a lifetime of working with investors to create a basis for my wealth building strategies. Everything I learned as a stock broker, a financial planner and as a CPA has gone into it. What I do is help people create wealth. Honestly and legally. There are no gimmicks..no smoke and mirrors. And I wont ask you to do anything with your money I wouldnt do with mine. I help create wealth by developing a macro-economic model specific to the client. Now, for some people, thats a little too academic sounding to be taken seriously in real world. So I call it a personal wealth-building strategy. What can your own personal wealth-building strategy do for you? Let me tell you just a few of the things it will help you do 1. Accumulate additional wealth and reduce more of your taxes. 2. Set up a savings plan that will provide significant additional wealth for you at retirement. Tax free. 3. Reduce or even eliminate the estate taxwith IRS approval. 4. Insure that all of your children will be able to go to the best schools they can get into. 5. Retire 5 to 7 years earlier than you would have if we never met. please continue...

6. Avoid donating several thousand dollars to the IRS again this yearmoney you could donate to your favorite charity. Or to yourself to enjoy some of the finer things in life. 7. Participate in the upside of the stock market without the risk of the downside. With both your principle and interest guaranteed. 8. Pay no taxes on the growth of your money until you actually use it. 9. Avoid the mistake nine out of ten people make that will slam your family with an 80% tax bill. 10.Set up a plan that will provide a steady stream of income at retirement. With NO government limits on how much you can contribute. And thats just a few of the things I can help you with. In fact Im so sure that I can help you reach and exceed your financial goals that Ill pay you for every minute of your time if you feel Ive wasted it. Thats right. At the end of our first meeting, Ill write you a check for $500 on the spotmade out to you or your favorite charity if you feel Ive wasted your time. Speaking of your time, let me start by giving you something just for taking a little of it to read this letter. I promise to show you at least five ideas that will put more money in your pocket if youll spend the next ten or so minutes reading this. Now, lets get back to the bad advice I mentioned earlier. Here are two examples of what I call bad advice that hurts good money. BAD ADVICE EXAMPLE #1: SAVE SAFELY WITH A BANK CD

All your life youve heard about the miracle of compounding. Truth is compounding isnt a miracle at all. In many cases, counting on it can cost you serious money over the long haul. please continue...

Suppose you deposit $50,00 into a certificate of deposit at your bank. The bank tells you the CD is insured and that it will pay 6% interest for as long as the money stays in the account. $50, 000 @ 6% for 30 years = $287,175 Looks good, right? Lets take a closer look.

Original principle cost: $50,000 Income tax in 40% marginal tax bracket: 71,153 Inflation cost over 30 years: 168,863 Add up the costs and youll see what it really took to earn that $287,175. A staggering $290,016. You would have actually lost money with your safe CD. And while banks preach saving and accumulation, they dont really practice it themselves. (Of course, you could use the same principle banks use to create wealth. Ill get to that in a few minutes.) There are other problems with compounding that nobody ever told you about. But lets move on. BAD ADVICE EXAMPLE #2: MUTUAL FUNDS ARE A SURE THING.

Lets say that 30 years ago, you invested $10,000 in a hypothetical mutual fund. And that fund averaged a 10% annual growth rate from then till now. Your $10,000 would now be worth $174,494. And the mutual fund company would have a nifty mountain chart in their ads touting this accomplishment. But not so fast. That isnt the whole story.

Unless your mutual fund was part of your IRA or other tax-protected plan, you would have paid income tax on the reinvested dividends and realized capital gains each year. So if youre in the 31% tax bracket and 20% bracket for capital gains, you would have handed Uncle Same around $30,267 over the 30 years. please continue...

Still, youre ahead, right? Not really. The potential earnings you would have lost because of taxes would be another $34,291. And then theres inflation to consider: 3% inflation each year would reduce the accounts value in terms of purchasing power by $102,605. There are other costs that could scenarionot the least of which is the fund can lose money. A few years like have put you even further behind. But enough: Original cost: Taxes paid: Lost earnings Inflation costs Total cost: $10,000 30,267 34,291 102,605 $177,163 be added to our fact that a mutual the last two would these numbers are bad

As you can see, the account value grew to $174,494. But the cost to grow it was $177,163. Does that mean you should never invest in a mutual fund or buy stocks or bonds? No, thats not what Im saying at all. But you need a strategy that gives you real wealthnot just numbers that look good on a piece of paper. I could go on with hundreds of examples where the conventional wisdom leads to conventional loss. Such as Why term insurance might be a huge mistake. How waiting until your 70-1/2 to take money out of your retirement plan could be the most costly mistake youll ever make. And why paying off your mortgage early isnt always a good idea. But I only asked for ten minutes. I want to use this time to share with you the secret of building wealth. Which really isnt a secret at all. Its simply having a strategy for your financial please continue...

success. And avoiding the simple mistakes that get in the way of wealth. What are these mistakes? and here they are: I promised to give you some

You have policies on your car, your boat and your house with the same insurance company. But youre not getting a multipolicy discount. You arent getting multi-car, accident-free, ABS or anti-theft discounts on your auto insurance, either. Your insurance policy doesnt guarantee replacement cost protection. You dont have at least two back up beneficiaries. You own all the insurance on your life. You jointly own securities with someone other than your spouse and only your SSAN is on the 1099. You sold mutual funds and didnt include reinvestment dividend and/or capital gains in your basis. (If you dont, youll be paying taxes twice.) Youre paying a years taxes on income earned from a bond you bought mid-year. You dont take advantage of foreign tax credits if you own stock in an overseas corporation. (Not doing this is like throwing money out the window.) You wait until April 15 to make your IRA or Keogh contributions. (The earlier in the year you make them, the longer youll have to enjoy the benefits of tax deferral. You continue to pay private mortgage please continue...

insurance.(If youve paid off at least 20% of your mortgage, you dont have to.) You try to time the market. (Fidelity cant and neither can you.) You go into investments you dont take time to understand. (So did Orange County.) There are lots more. But dont feel bad if youve made mistakes like these. Almost everyone makes themno matter how intelligent they are. Look at Long-Term Capital Management. Those people were Nobel Laureates and they made some beauties. If we decide to work together, Ill help you root out all of these mistakes until there isnt a penny of your money wasted that you dont want to waste. Because as Ive said time and time again, a key tactic in creating wealth is to hold on to as much of it as legally possible. For example, its been reported that billionaire H. Ross Perot paid a meager 8% in taxes on his income and thus kept 92 cents out of every dollar he earned. On the other hand, most of us give up 33 to 53 cents in taxes out of every dollar we earn. And we think weve done well when we get a refund--while all weve done is lend the government money interest free and demonstrate our lack of tax planning ability. Ill help you fix all that. But I want to be sure you understand that the strategy I create for you will be about a lot more than just avoiding mistakes and holding on to your money. You see, the way to real wealth isnt living on peanut butter sandwiches and getting your suits from the Salvation Army. In other words, Im not going to tell you to live like a miser in order to be end up rich. please continue...

What Ill do is to show you how not just to save and make money but to create wealth. And create it the same way banks do. Remember a few pages back, I said that banks dont practice saving and accumulating themselves? Lets look at how banks really make money. They make money by lending it. The amount banks can lend is directly affected by requirements set by the Federal Reserve. Which is currently 3 to 10 percent of the banks total assets. That amount is held either as cash on hand at the bank or in its reserve account with the Fed. So when a bank gets a $100 deposit it can lend $90 of it. (Remember, the bank has to keep a percentage of it in reserve. Lets assume its 10%.) That $90 goes back into the economy, to purchase goods and services, and usually ends up deposited in another bank. The other bank can then lend $81 of the $90 and that $81 goes into the economy. Ultimately it is deposited into another bank that proceeds to lend a percentage of it. And so on and so on. Banks use the same dollar up to 30 times. In this way, money grows at a far greater rate than you might expect. Could you use this same multiplier effect to increase your wealth? Absolutely! If banks can create wealth, so can you. In fact, being able to use the same money for multiple purposes is why I dont need for you to come up with extra money to create substantial wealth. The money multiplier will be an important part of the strategy I create for you. But just one of the parts. Lets say you want to find out if I can really help you or if Im full of beans. Well, well start with you please continue...

completing a financial and personal questionnaire. This questionnaire is so detailed and so thorough, that youll probably call to ask me if I really need to know all that. And Ill tell you that I do. It will help me put your entire economy on a single piece of paper. Then, well sit down and Ill show you all the financial leakage thats keeping you from building wealth. Finally, well look at all the alternatives and options open to you as ways to increase your wealth. I say we because its not just me helping you with your personal wealth-building strategy. I bring a team to the tablelawyers, CPAs, Financial Planners, Actuaries and other professionals. Ill put at least four members of the team to work on your strategy and by the time were done theyll be totally familiar with your situation. So if I should suddenly drop dead, it wouldnt affect your plan. Of course, youll be free to bring in your own team of professionals. Bring your stockbroker, financial planner or whatever. The more checks and balances the better. Youll find that with the strategy we create for you that you are in complete control of your money at all times. Were the navigators, helping you get where you want to do. But you choose the destination. That means youll do all the calculations and validations for your personal strategy. Its not hard at all. And Ill show you how. Ill set down your personal wealth-building strategy in writing, so theres never any guesswork as to what to do. (Of course, Im always available to you. But after awhile, youll find you can get by with me just checking in with you from time to time.) please continue...

The strategies my team and I create for clients work no matter what. Under all kinds of economic conditions. Even if the client becomes disable or dies, the plan goes right on working. And theres absolutely no additional risk involve with our plan. Instead your risk exposure is actually reduced. By now, youre probably saying to yourself, this all sounds good. But it must be terribly expensive. Well, thats the best part. It isnt.

Our compensation structure will be disclosed fully during our first meeting. I can tell you that most clients find it fair and reasonable. Whats more, we dont steer you into expensive products to make money that way. (I gave up my brokerage license years ago just so thered be no hint of conflict of interest.) If you do need a stock, a bond, a mutual fund, an insurance policy or some other financial product as part of your strategy, Ill point you in the direction of the best low-cost provider. Frankly, not everyone qualifies for our services. There are some people I just cant help, and if youre one I wont waste your time. And to be perfectly honest, Im very selective about the clients I take on. I prefer to work with a smaller group of clients and do an outstanding job for each one. And Ive made enough money over the years from following my own personal wealth-building strategy to be able to do exactly that. (Actually, Ive made enough to have retired several years ago. But I dont believe Id find retirement nearly as interesting as helping people build their wealth.) please continue...

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So lets find out if my way to wealth is right for you. Just call 888-XXX-XXXX, extension 908 and leave your name and address. Or, if you prefer, just return the enclosed card. Either way you choose to respond, Ill send you the confidential financial questionnaire I mentioned to help me determine if you qualify. (If you dont qualify at this time, Ill tell you the steps you need to take to do so.) And remember, if youre qualified and we decide to meet, Im so confident that youll find the meeting to be time profitably invested that Ill write you a check for $500 on the spot, payable to you or your favorite charity, if you feel your time has been wasted. But I urge you to call me or send the card today. You see, Im organizing my schedule for the coming six months. Unless I hear from you right away, I may not be able to take you as a client, no matter how qualified you are. To give you a little more incentive to contact me before my schedule fills up, Ill send you a copy of my book, Asset Protection and Wealth Preservation: Defeating the Forces That May Take Your Money absolutely free if you call 888-XXX-XXX, or send the card within the next ten days. So call me at 888-000-0000 or send in the card right now before you get busy and it slips your mind. Thank you for your time. I look forward to hearing from you...and helping you build your wealth. Sincerely, Justus Eapen Financial Advocate P.S. One last thing. Throughout this letter, Ive tried to avoid making huge claims that might sound unbelievable because I didnt want to come across like a snake oil over please...

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salesman. And maybe Ive been too conservative as to what I can do to help you grow your wealth. But when we sit down and I show you just how wealthy you can bewithout coming up with extra money or taking more riskyoull see for yourself that the unbelievable is totally obtainable. Theres no risk whatsoever. Ill even give you $500 if you feel Ive wasted your time. So call 888-000-0000 or send in that card now so I can send you my free book. Lets get started building your wealth.

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