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From the Desk of
Robert Powell, Editor
Retirement Weekly
Dear &FirstName; &LastName;,
Retirement. Aahh, the leisure! The relaxation! Freedom from stress . . . Freedom from the clock . . . Freedom to live on your own terms . . .
Many people are going to have a secure, rewarding retirement, in spite of the global financial crisis.
Why not you?
You'll have more time to enjoy retirement than any generation in history. If you take care of your health, you may live to 90, 95 or even 100. So if you retire in your 60s or 70s, you can expect your freedom to last for 20 or 30 active and exciting years.
BUT...
If you're like most people I know and advise, the market meltdown has taken a big bite out of your savings. And you may be thinking . . .
“It looks like I'll have to delay my retirement” or even, “I'll never be able to stop working.”
You'll be glad to know the news is a lot better than that.
You still have the power to retire to the rich, fulfilling life you've been waiting for ― no matter how old you are, no matter whether you're already retired or not, no matter how unprepared you may feel.
But you shouldn't try to do it alone. And you must be extremely careful who you trust for investment guidance and advice.
Because the biggest danger of a retirement-planning mistake at this point in your life is that you won't find out until it's too late.
I can help.
(See “5 Myths That Can Knock the Wind Our of Your Retirement Plans” below.)
Introducing Dow Jones MarketWatch's
RETIREMENT WEEKLY
Authoritative Guidance for Achieving the Comfortable &
Secure Retirement of Your Dreams
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Because you're a --Wall Street Journal reader-- --Barron's reader-- --MarketWatch visitor--, I've taken the liberty of reserving a One-Month Risk-Free Trial in your name. Sign up today to receive four information-packed, actionable, weekly issues to review and use at no cost.
There is no risk. No small print. And you get two valuable
BONUSES just for taking a look.
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The Power of the Golden Rolodex
Retirement Weekly is unlike any retirement tool you've ever used. Every easy-to-read issue brings you in-depth guidance so you can grow and defend your assets and turn them into life-long income.
Subscribing to Retirement Weekly is like getting one-on-one personal finance advice every week from me, and from America's most trusted retirement experts, on the topics that matter most for retiring with comfort and security.
I know many of these experts personally. And thanks to my “Golden Rolodex,” I can pick up the phone and have access to their cutting-edge insights and collective wisdom before it's watered down by the news media and distorted by financial salespeople.
And Retirement Weekly is delivered to your email inbox every Friday afternoon, not your postal mailbox, so you get the latest, most timely information when you need to know it.
As a subscriber, you'll learn . . .
• How to disaster-proof your finances
• What recent market and regulatory
developments will affect your retirement
• What to do if you need money now
• The most tax-efficient way to draw down
your retirement assets
• How to buy the right insurance (and no more)
• How to fit your Social Security, 401(k), 403(b),
and IRA accounts into your retirement plan
• Who should use target-date retirement funds
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You'll make the right moves –
• 5 retirement myths to avoid (See below)
• 11 steps couples should take as they approach retirement
• Penalties that can kill your IRA
• 5 steps to make next year's tax preparation easier
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You'll deepen your retirement savvy –
• Strategies for saving more money
• Retirement scams
• New hybrid retirement income products
• The three main types of managed payout funds
• Cheap vacation spots
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Plus . . . the latest Medicare changes, health & lifestyle updates, Q&As, proposed and upcoming retirement legislation, and a lot more.
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Before the age of 65, workers consistently retire before their planned retirement date – often because they are forced to. After the age of 65, workers consistently retire well after their planned retirement date, often because they must continue to work.
The Take Away: You must plan for the very real possibility that you won't retire when you think you will.
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You are Your Best Retirement Asset
No matter how much you've saved. No matter what your assets. No matter whether you're getting a pension or you're alone on a high wire without a net, you can count on this . . .
Uncle Sam isn't going to hold your hand. Your employer may not have the means to see you through your freedom years. Your kids may not be able to provide as much support as they would like to.
Today your retirement
should be one of your
highest priorities,
no matter how old
you are.
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The truth is, you are your best retirement asset. Retiring comfortably and securely is your job.
Retirement Weekly arms you with knowledge that can make the difference between a comfortable retirement and financial insecurity.
For example...
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5 Retirement Myths That Can Knock the Wind
Out of Your Retirement Plans
MYTH #1: If you do your calculations right, you'll eliminate
retirement risks.
REALITY: Successful retirement doesn't entirely depend on calculations.
There is no 'one size fits all' formula to figure out how much you'll need. You must assess your entire situation, not only what online retirement calculators say. You'll see the whole picture with Retirement Weekly.
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MYTH #2: You can invest your way out of the financial crisis.
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REALITY: It's not that simple. Today you have to be much more cautious in how you invest. And you must PROTECT your money as well as make it grow. You'll see how to make the right moves with Retirement Weekly.
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MYTH #3: Social Security will take care of you.
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REALITY: Research indicates that Social Security is becoming the primary source of income for too many people. This is a bad trend,
because Social Security will always be in jeopardy. It should just be your income “floor.” You'll learn how to avoid depending too much on Social Security with Retirement Weekly.
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MYTH #4: Working in retirement will solve your financial problems.
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REALITY: Well . . . if you're working, you aren't retired. More importantly, plans to work in retirement often get derailed. Too many things can prevent you from working – like health problems, a sick spouse, and having an outmoded skill set. You'll know how to prepare for all contingencies with Retirement Weekly.
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MYTH #5: Making a few stop-gap decisions now can't hurt you later.
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REALITY: Any decision you make now will have large and unpredictable consequences. You have to be extra cautious and extra informed. Which is why you should subscribe to Retirement Weekly.
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From America's Most Trusted
Financial Publisher
There's a lot of competing advice on retirement today, and some of it will hurt you more than help you.
Who can you trust?
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Retirement Weekly is published by Dow Jones, the company that brings you The Wall Street Journal, Barron's and MarketWatch. Since 1882, the Dow Jones name has been synonymous with accuracy, integrity and trust.
You're in safe hands with Retirement Weekly.
Deep Pockets Not Required
How much would you be willing to pay for retirement advice from America's most trusted financial publisher? $225 a year? $199? How about $149?
There's no need to spend that kind of money!
Your cost for Retirement
Weekly is only 94¢ a week.
Here's the math: 94¢ a week
x 52 weeks = $49 for 52 issues,
in addition to the 4 RISK-FREE
issues I'm offering you today.
Does 94¢ a week still give
you pause? Here's another way
to look at it: Your cost for the
most authoritative retirement
advice available is about
13¢ a day.
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| “I enjoy Retirement Weekly, and look forward to seeing it on Friday evenings. You do such a nice job of pulling information from broad sources that applies to the retirement scenario. I find it very useful.” |
– Tom Davison, CFP NAPFA-
Registered Financial Planner
Summit Financial Strategies
Columbus OH
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Less than a stick of gum.
What is living the good life worth? Where else can you get 25 years of authoritative retirement expertise and up-to-the-minute advice from my “Golden Rolodex” for only 13¢ a day?
You see where I'm going with this.
Retirement Weekly is such a bargain that I'm a bit surprised we aren't charging more for it. But we want to make it available to as many people as possible. And if Retirement Weekly doesn't SAVE you or MAKE you MULTIPLES of your $49 investment, we'll refund the unused portion of your subscription.
Guaranteed.
Start Planning Now Because Later
Is Sooner Than You Think
You have a Risk-Free Trial in your name. It entitles you to four FREE issues of Retirement Weekly, delivered to your email box for the next four Friday afternoons. But that's not all . . .
When you accept your 30-Day Risk-Free trial, you're entitled to instant access to the current issue. It's packed with up-to-the-minute retirement guidance and hands-on advice you can't get anywhere else.
As our “Thank You” for taking a look at
Retirement Weekly, you're entitled to read and
consult the Retirement Weekly Archive FREE
for the next 30 days. That's more than 160 issues,
covering the topics most important to your retirement.
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Dow Jones MarketWatch Double Guarantee
I GUARANTEE every issue of Retirement Weekly will be packed with timely, authoritative information and advice with no conflicts of interest.
I GUARANTEE that what you'll take away from Retirement Weekly is far more reliable than what an ‘average' financial advisor will tell you, and will supplement what you learn from an excellent financial advisor.
And if you aren't satisfied? Just let us know within the first 4 weeks and you won't owe a thing.
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By spending around 30 minutes a week, you'll see how you can take control of your retirement and start building real wealth today -- no matter what's happening on Wall Street.
Don't allow retirement to become a distant dream. Reply today.
Sincerely,

Robert J. Powell III
Editor
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P.S. Some of the secrets to retiring successfully are in the Risk-Free Trial we've reserved in your name. Look forward to your four weekly trial issues in your inbox on Friday afternoons.
Robert J. Powell, III has more than 25 years of experience as a retirement consultant and educator. His insights have appeared in The Wall Street Journal, the Financial Times and Your Money. He is a frequent guest on Fox Business. He is a co-author of Decoding Wall Street, executive producer of PBS' More Than Money” and editorial director of PBS' The Truth About Retirement (in development). Mr. Powell is a member of the faculty at the California Institute of Finance's online MBA
in financial planning program, an educational consultant to the Retirement Income Industry
Association, which is developing retirement-income planning educational programs for financial professionals. Previously, he served as managing director of Acadient, which developed Boston University's Online Program in Financial Planning and as editor-in-chief of DALBAR's Mutual Fund Market News. He is a graduate of Marquette University and has as a master's degree in journalism from Boston University College of Communication. He lives in the Boston area with his family.
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