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 KeppelAuthor 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

“Professional money management is a gigantic rip-off.”

Bill Gross, star bond manager Everything You’ve Heard about Investing is Wrong

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

segments of the markets. They

don’t need to pay for advice since

not only does it not help, but

“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 .

BEWARE: People who use The Insider’s Guides in this book have

saved $3,000 every year on the financial products they already own

or need. However, those who have used our Guides are NOT buying

the heavily advertised products that industry’s retail sales people

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

The

SIMPLEFINANCIALLife

How to get what you want without debt

or living paycheck to paycheck

Dan Keppel

‘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 $17,970

Frank was wasting!

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?

We think not. It is the same $300,000 benefit check to your

family at death. Agents can’t sell the policy offered by the

Frank saved 60%: $17,970

Mr/Mrs K. NJ will have an extra $250,000.

MonthlyAccumulation at 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

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:

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 . . . $2,000 over 10 years

o Life Insurance . . . $20,000 over 20 years

o Lawsuit Insurance . . . $3,000 over 10 years

o What NOT to buy: 101 products to avoid

o Health Insurance . . . $5,000 over 10 years

o Disability Insurance . . . $5,000 over 10 years

o Long Term Care . . . $40,000 over 20 years

o Education Funding . . . $20,000 over 18 years

o Retirement Spending . . . $1,000s over 30 years

o Banking . . . $30,000 over 10 years

o Annuities . . . $20,000 over 20 years

o Mutual Funds/Securities . . . $30,000 over 10 years

o Spending Plan: Reach every goal

o Self-Funded 'Bank' . . . $250,000 in 15 years

o Vehicle Purchase . . . $10,000 per vehicle

o Mortgage Purchase . . . $3,000 per contract

o Wealth Reserve . . . $1,000,000 in 25 years

o Wealth Transfer . . . $20,000 in 10 years

o Living Insurance . . . $120,000 over 20 years

o Self-insurance . . . $20,000 over 20 years

o Business Insurance: Buy only what you need

o Financial Independence for Women

o Survivors: Create Your Future Life

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:

1. Commoditization. The financial services industry is

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

Commoditization: products supplied without qualitative differentiation.

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