We’re heading into late summer…two-plus years into the country’s deepest recession since the Great Depression…and the mild optimism offered a few months ago may be drying up. In a move that recently made headlines, the Fed decided to keep interest rates low. By doing so, The New York Times reported the Fed was acknowledging “their confidence in the recovery has dimmed.”

This is stifling news for the millions Americans who remain unemployed, those who have foreclosed on their homes, and those who have seen their retirement savings evaporate. No one wants to face the fact that the country’s financial draught may linger. But how to make rain?

While the lawmakers, business leaders, and financial institutions grapple with the issue, it would be wise for each of us to do what we can, on our own, to bring on the rain.

Just as a seed planted in the spring needs moisture throughout the summer to be ready for the harvest in the fall, your retirement savings require nourishment to grow. In an otherwise arid climate, how is that possible?

Ask the folks who have not yet lost a dollar from their retirement savings vehicles – and even continued to gain a rate of return over the last two years. Rather than following the crowd and using traditional retirement accounts like 401(k)s and IRAs, they optimized their assets and leveraged maximum-funded, tax-advantaged insurance contracts.

Find out what you can do now, even in this financial desert, to use the same strategies they did.

By Doug Andrew

LUCA Financial Services
Leon Williams
leon@lucafinancial.com

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