How Would It Change YOUR LIFE If You Could Have Access To
Nearly a Million Extra Dollars Over The Course
Of Your Lifetime, To Spend However You Wished,
Whenever You Needed It?

The Secret is to Use this “New” Type of Financial Wealth-Building System
that Explodes the Growth of Your Liquid Net Worth Over Your Lifetime

Here’s How It Works:

 

From: Glenn J. Waldt, M.S., D.C.
Call 1-800-901-1553 Anytime

Dear Friend,

The fact you’re here at my website tells me a few things about you…

You feel frustrated and disheartened because when you check your banking and savings account balances or investment portfolio, you realize it’s nowhere near the level you had hoped it would be. It feels like it will never get there, and you’re stressed and worried about having enough money for emergencies and day-to-day necessities in both your business and in your personal life, about planning for retirement, and leaving a legacy that will outlive you and care for your loved ones for generations to come.

You dream of eliminating all your debts in order to stabilize your spendable income, drastically reducing your income taxes, and creating a stockpile of money for your family and for your future.

 

 

You realize The Banking System is unfair and the odds are stacked mightily against you. No matter what you do, it’s just not working for you. Especially since over 35% of your lifetime income is needlessly going right back out to pay high interest and financing rates, and it breaks your heart and sickens you to know that same money could have been used to pay off all your debts, buy a new car, provide college tuition for the kids, build a new business, make a down-payment on a new house, or anything else you’ve dreamed of! You grit your teeth in anger and frustration, wondering why you just can’t seem to get ahead! It seems to work for others, so why is it failing you?

You’re desperately searching for a safe and predictable method of investing your hard-earned money. You are starting to feel that putting your money in the stock market is more like “gambling” than it is investing. And you know there must be a safer way! You crave an impressive and guaranteed yield on your investment that always remains liquid and accessible, and yet earns substantial interest at the same time.

 

A Million Dollars
in 100% Legal, Liquid Wealth -
Without Going Through a Bank
Or Getting a Loan!

My friend, if any of this sounds like you, then you’ve come to the right place.

I’m going to introduce you to a whole new way to safely and effectively manage your money – one that, when done right, can give you access to nearly a million dollars over the course of your lifetime!

Can you imagine what having an extra million dollars or more will feel like?

This is money you can use for anything – it’s not a loan, it’s not a risky investment, and you never go through a bank or finance company.

It’s actually YOUR money! In essence, YOU are your own bank!

 

 

I call this…
“Family Conceptual Banking™”

Surprised?

I was too when I first heard about this amazing and yet simplistic method. Surprised…and angry as heck!

Why didn’t anyone tell me about this before?

Had I known about it earlier, life would have been much simpler and so much more profitable!

But you don’t have to be condemned to the same fate of financial ignorance as I was.

For you, it can be different.

 

Let’s Play a Financial
“What If?“ Game.

(Relax, It’s Easy to Win. If…)

 

Let me ask you this…

What if you never had to worry about stock market losses, rising income taxes, retirement planning, and protecting your assets from the federal government, creditors and judgments?

What if you didn’t have to pay out 35% of your income to outrageously high interest rates from money-hungry finance companies for the large purchases you make over your lifetime?

What if the interest you paid yourself when you borrowed from your own Family Conceptual Bank™ also earned a consistent, guaranteed, and tax-deferred rate of return?

What if you could achieve a significant tax deduction every year by paying yourself interest as you deposited money into your own bank?

What if you could live out the rest of your life in peace and comfort, knowing your children, their children, and even their grandchildren, were all provided for – all because of one single decision you made that changed everything?

And what if, over the course of your life, you had access to more than $900,000* to use however you wished, whenever you needed it, without needing to be pre-approved or go through a bank or loan shark?

If you’re like me, and like most of the honest, hard-working people I know, this sounds like an answer to a fervently and oft-whispered prayer – and possibly too good to be true!

But it’s real. It’s powerful and it works. No exceptions. And it can change your life forever.

 

How Often do You Lie in Bed and Dream Of:

• Retiring 5 to 10 years earlier than everyone else you know

• Significantly decreasing your income taxes

• Better positioning your assets to protect them from judgments, liens, and creditors

• Increasing your overall investment returns, with safety and guarantees

• Maximizing your ability to qualify for, and receive, college aid & federal grant money for your children’s college tuition by legally taking your investments “off the radar”

• Maintaining liquidity, discretionary use and control of your invested monies at all times…both now and at retirement

• Significantly increasing your retirement savings by participating in the up-side of the stock market without the down-side risk, while both your principal and interest are 100% guaranteed

• Not paying taxes on the growth of your money until you retire and actually use it

• Ensuring that your retirement income lasts as long as you do

• Maximizing your tax-free income during retirement – with no government limits on how much you can contribute right now

• Avoiding “donating” an extra several thousand dollars to the IRS again this year — money that you could instead donate to yourself to enjoy some of the finer things in life

• Helping your children pay for college expenses as you build your retirement nest egg at the same time – and with the same money

If the above makes your heart race just a little faster, then read on.

I’ve got the answer you’ve been searching for.

How do I know this? From real personal experience. And because of what I went through to find this answer for myself. But I must warn you – it’s NOT pretty.

I mean, I REALLY blew it.

But it was worth it, because of what I know now. And what I can show you so that you don’t make those same horrible mistakes.

 

MY STORY

(and How “Becoming My Own Bank” Changed My Life)

For the last 9 years, I’ve been hunting down the little-known, almost secretive, methods wealthy families have used for generations to safely build great family wealth and then pass it on to their children and grandchildren…tax-free and government-free!

My name is Dr. Glenn J. Waldt. I spent a fortune on experts, financial consultants, and cutting-edge estate planning and asset protection attorneys to find this information. I made all the “beginner” mistakes and I learned my lessons the hard way.

And they were very painful lessons, as you will soon see.

I don’t want you to make these same mistakes and let your family and your dreams pay the price. That’s why I’m reaching out to you today to share this important and life-changing discovery with you.

 

Where It All Began…

In 1999, I graduated from Palmer College of Chiropractic in Davenport, Iowa, with a Master’s Degree in Human Anatomy. After that, I headed south to Atlanta, Georgia to study chiropractic at Life University. After graduating in 2002, I returned to my hometown of Pottstown, Pennsylvania, to start up my new practice.

I was so excited…so proud! I had finally achieved the first stage of my life’s dream and I woke up each morning with the burning anticipation of what was to come – doing a job I loved while serving others and becoming financially secure and independent while doing it.

What more could you want?

$140,000 in Debt…
Right off the Bat!

Like most new business owners, when I started my practice, I had absolutely no money to use as start-up capital and the banks wouldn’t lend me any money. You see, I grew up very poor. I never knew my father. And my mother almost lost our house twice when I was young because she couldn’t afford the tax payments on our home. Mom became progressively crippled with severe arthritis and scoliosis the last 15 years of her life.

As I was graduating from Life College in 2002, I took $20,000 in credit card cash advances from 7 different credit cards and I put this money into a bank account. I used this as start-up capital to build-out my office and start my practice. I didn’t see any other options for me at the time, and this was the only thing that made sense to me. It was all I could do. And sadly it’s what most new entrepreneurs do.

If I had only known then what I know now….

After working hard in solo practice for two years, I began to see more than 300 patients each week and I loved every minute of it. I had a very low overhead practice and insurance reimbursement was very good in eastern Pennsylvania at the time, and so my personal income was quite astounding– to me at least!

So, after a few years in practice, I had all this money and I didn’t know what to do with it! As you can imagine, lots of salespeople and financial planners came knocking at my door asking me to invest with them.

I even responded to an ad I saw in Chiropractic Economics that promised me valuable financial coaching and consulting and strategies designed to protect my newly acquired assets from lawsuits, creditors, and taxes.

 

I was Suckered
By a Horrible Scam
(I.R.S. Red Flags)

That ad turned out to be a horrible scam…and one of the worst decisions of my life.

These “consultants“ took $30,000 of my money and began to “coach” me on exotic and risky tax-saving strategies that are in the “gray area” of tax planning. These consultants subsequently introduced me to a CPA who supposedly specialized in helping high-income professionals. Well, this CPA charged me an additional $25,000 for her consulting services and tax preparation and accounting fees. In the end, my “fancy pants“ CPA didn’t file my taxes on time. I had to pay lots of tax penalties and late-filing fees and she created an intricate mess and lots of “red flags” for the IRS!

 

Then It Got Worse!

In 2008 I lost more than $300,000 in the stock market and real estate. There were periods throughout 2008, when my stock market investments would be up $50,000 one day and down $50,000 the next day.

I was a nervous wreck.

These wild fluctuations in the stock market caused me to do a lot of praying and a lot of research. I realized I was not being a good steward of my wealth. I was so stressed out that I barely slept and I spent my days trying to figure out what to do next.

 

I Was Hemorrhaging Money

I worked so hard to earn money, yet my investments were violently losing cash!

I knew I was doing something wrong, but I was perplexed because I was not a speculative day trader. In fact, much of my stock market investments were in indexed funds!

I was lost and didn’t know what to do or where to turn.

I realized I was overwhelmed and my investments were going in too many directions at once. I had stocks, savings bonds, municipal bonds, mutual funds, Cds, several money market accounts, 3 brokerage accounts, and 2 self-directed retirement accounts! All of my investments were scattered and I didn’t have a cohesive, strategic plan in place to grow my money.

That’s when my bookkeeper handed me the name of a financial planner he had been using with enormous success. Since I trusted him, I took his advice and gave her a call.

 

 

The Best Decision I Ever Made

It was the best decision I have ever made, because that financial planner introduced me to the little-known wealth-building secret that has been around since the late 1970′s, but that so few know about, much less take full advantage of.

Which is heartbreaking, because it’s risk-free, guaranteed, and it can change your life.

So what is it?

 

It’s Not What You Think…
…Forget High-Risk Strategies!

When I sat down in the financial planner’s office that day, I had no idea what I was in for. I fully expected to be told about the latest and greatest investment opportunities and how high-risk was the only way to make the “real money.“ I thought she’d help me simplify and organize and try to make a nice little commission off me…

…but I never expected this.

What she told me nearly knocked me off my chair!

She suggested to me that doctors and other high-income clients of hers often invest a large portion of their income and savings in what she called “investment grade” dividend-paying whole life insurance in order to save money on taxes and to protect their wealth from lawsuits and creditors.

What?

Whole Life Insurance?

You MUST be joking!

At this point, red flags were going off in my head like bombs! I told her she was nuts as I grabbed my things to leave. This meeting was over.

On the way out I explained that I had read at least 20 popular investment books whose authors all swore that life insurance was a bad investment. Furthermore, I flat-out told her the reason I believed financial planners recommended whole life insurance was to earn a large commission. I told her that I was of the opinion that one should never buy whole life insurance, but instead one should buy term insurance and invest the difference elsewhere.

What she said next made me stop dead in my tracks.

Impressive Yields that are Guaranteed!
It was Love at First Sight.

She simply said, ”I used to feel that way too. Now I, and most of my high-income clients, have become convinced that investing in properly structured, dividend-paying, whole life insurance shows discretion and wisdom and this strategy tends to be infinitely safer than investing in the stock market and it also produces impressive yields that are guaranteed. It’s even used by the likes of Walt Disney and J.C. Penny to start-up their businesses.”

This is what got me – the “Impressive Yields that are Guaranteed” part. Everyone knows nothing is guaranteed when it comes to investing and making money.

I sat back down. Maybe she wasn’t the nutjob I thought she was.

She told me it was possible to structure a whole life insurance policy in a specific way in order to minimize the death benefit and maximize the “living benefits.” Certain whole life insurance policies can be structured in a special way to make them “investment grade” insurance policies with impressive, guaranteed cash-accumulation and significant creditor protection and tax advantages to boot!

Most policies can be structured to earn a 4-5% guaranteed annual yield plus dividends plus growth derived from “economic value added.”

She then showed me her own personal policy structure and the 30-year projection that described in detail the guaranteed yield she would earn on her life insurance investment. It was love at first sight.

The yield was impressive!

And guaranteed!

It’s in “black and white” on each and every policy illustration so you can see for yourself!

No Risk. No Gambling. No Guessing.

This is important, because business owners and professionals and those who earn medium to large incomes have no business taking risks investing money they will need in retirement into the highly unstable and unpredictable stock market.

She then told me that she felt putting money in the stock market was more like “gambling” than it was investing and this was no place to save for retirement. If I wanted to “play the market,” I should do so with discretionary funds that I could afford to lose.

My main goal should be to focus my mind and my soul on my practice and on serving my patients, instead of focusing on the ups and downs of the market.

When I left her office that day, what she said stayed with me – it had really hit home and made perfect sense. Why had no one told me this before?

Why was I left to figure this out all on my own? It’s almost as if those that control the current economic system didn’t want me to succeed…

I wasn’t going to let them win. I took immediate action that day and secured my own portfolio of carefully and skillfully structured dividend-paying Whole Life Insurance policies.

It was easily the best and smartest thing I have ever done – for myself, my business and my family.

 

10 Reasons Why You’d Be Crazy Not to Be Your Own
“Family Conceptual Bank™”

My financial planner laid out the benefits to me, plain and simple. When it was put before me in such a logical, responsible, and easy-to-understand way, it all made sense.

In fact, it opened up a whole new world to me. I could almost taste the financial freedom, independence, and security – it was so close!

It changed my life and now I want to share those same reasons why having your own Family Conceptual Bank™ would be one of the smartest decisions you will ever make:

Reason #1: It gives a whole new meaning to retirement. It’s more like “passive income” – money coming in that you can count on, but you aren’t doing anything to earn it at that time.

Reason #2: You can continuously use your money over and over again, with no penalties, applications, questions, fees, or credit checks. And there’s no “refinancing your loans“ in order to access the money again. Every time you make a payment back to your policy, those funds get fully credited to the account and are available to be borrowed again. Can you do that with a traditional loan? I think not!

Reason #3: By diligently paying off what you take out of your policy, you’ll quickly maximize its growth. Like a snowball effect, your yield will increase, your death benefit will grow, and your cash values will rise and flourish. So when you retire, you’ll have a plush, annual tax-free dividend that you can take from the policy. And when you do pass on, your beneficiaries will receive the death benefit income tax-free.

Reason #4: You can use your policy’s “financing pool” to finance business equipment, accumulate cash when you need it, and even purchase vehicles on a tax-advantaged basis. We all know how banks have become very particular and demanding in the current economy….but by using the Family Conceptual Bank™ method, any business owner will feel safe and at ease, knowing they always have a pool of money at hand should they need it.

Reason #5: You never have to worry about market fluctuations again, because it’s not tied to the market!

Reason #6: Where else can you still enjoy tax-deferred and compounding growth while maintaining the liquidity, use, and control of your money? Nowhere else. Plus you substantially reduce your tax burden through tax-deferred growth, tax-free withdrawal, and tax-free transfer to heirs.

Reason #7: Eliminate interest to outside vendors – self-fund large ticket items through your own Family Conceptual Bank™ for all your personal and business purchases. Basically you’re paying that interest back to yourself instead of someone else! And when you pay yourself this interest, it “turbo-charges“ your investment yield so that your investment grows even faster than what was guaranteed.

Reason #8: No contribution limits! No, really!

Reason #9: Eliminate virtually all financial losses due to market volatility. This method is safe and risk-free and the rates of return and growth are guaranteed.

Reason #10: By establishing your own Family Conceptual Banking System™ and borrowing from yourself, you’ll be able to recapture much of the income that you would otherwise transfer to the government (in the form of capital gains and income taxes) and to lending institutions (in the form of interest on borrowed money and lost opportunity costs).

 

 

THIS IS SERIOUS STUFF!

By now you realize that your savings account isn’t going to make you rich…

Your 401k will never fully meet all your needs and give you all the above benefits without all the penalties…

And traditional investing is no more sure than a drunk hand of poker in Vegas.

And while the Family Conceptual Banking™ method is not a “get-rich-quick“ scheme and it does take some commitment and a little patience, when you add up all the reasons and benefits for creating your own Family Conceptual Bank™ by using specifically structured Whole Life Insurance policies, it would be insane to settle for anything less!

Your family deserves this. YOU deserve this.

 

WAIT! BEFORE YOU GO RUSHING OFF TO SNATCH
UP YOUR NEW WHOLE LIFE INSURANCE POLICY…

There’s something very important you should know.

Not ALL insurance policies are structured to meet the needs and requirements of the Family Conceptual Banking Method™. In fact, most AREN’T.

And even more importantly, very few insurance companies or agents even KNOW about this method, much less WHICH policy will work and HOW to structure it!! <—- This is VITAL!

See, there’s a specific type and structure required, along with certain cash accumulation and benefit ratios, riders and options that need to be in place in order for this to work. There are guidelines and best practices to follow to fully maximize the powerful benefits you get from this proven and guaranteed method.

You just can’t go jumping into this blind.

You need help and guidance from an experienced source – someone who knows the ropes, has been there before and has been doing this for years with success. Someone who is passionate about helping you experience the amazing wealth-building benefits of this powerful and unconventional method.

 

YOU’RE NOT ALONE
I Can, and Want, to Help You.

I know this can be overwhelming, confusing, even complicated if you don’t have someone there to show you just what to do to get started.

If it wasn’t for my financial planner taking the time to show me how it’s done and give me advice, guidance, support, and encouragement to go in the right direction and stay on the right path, I don’t know where I’d be.

Actually I do. I’d be broke. Paying interest and taxes out the wazoo and living off meager investment profits and savings, with hardly anything to show for it. Very little to retire on…even less to pass on to my family. Certainly wouldn’t be where I am today – with so much to look forward to!

And that’s why I want to reach out to you – whether you’re a therapist, medical doctor, lawyer, chiropractor, business owner, or even just a regular person who loves his family and wants a better way of life.

I can help. I want to help.

 

Give me just 30 minutes of your time
– less than it takes for a pizza to be delivered to your door –
and I will show you a way to change your financial life forever.

 

I’ll take the time to go over everything with you:

• See if this is the right method for you (and if not, I will work with you to create the perfect financial plan that gets the most out of your hard-earned money)

• Show you the best type of policy for your needs

• The right way to structure it to maximize it for personal banking benefits

• How to apply this powerful system to your greatest advantage

• What this can be used for and how

• Discover other powerful ways to increase your earnings in a safe, prosperous manner

I’m here to answer any financial planning questions you may have –
no matter how big or small.

I’m here for you. Let me help.

Let me guide you to being the master of your own finances – to become your own bank and finally have that financial independence and security you’ve been searching for so long.

You deserve this. You deserve to prosper and give yourself and your family the life you’ve always dreamed of.

In order to get access to nearly one million dollars in liquid funds over the course of your lifetime, you need to start today. Just think where you would be now if you had done this 10 – or even 5 – years ago!

 

Don’t delay – call me right now at 1-800-901-1553

or email me at info@FamilyBankingSpecialist.com

for your *FREE NO-OBLIGATION* personalized consultation

and take the first step to greatly improving your life and your wealth.

 

The only question now is….

Once your abundant wealth starts growing like wildfire, what will you do with all of the new profits? How will you use your vast supply of liquid money?!

Don’t let your dreams vanish into thin air like most people do. Make your goals a reality by calling or emailing me today. I guarantee you 100% satisfaction and results that exceed your expectations.

 

Take a quick moment and call me right now at

1-800-901-1553

or email me at

info@FamilyBankingSpecialist.com

for your *FREE NO-OBLIGATION*

life-changing consultation.