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Robb Hill

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Member Since: Oct, 2010

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Publisher:  PublishAmerica ISBN-10:  1456027999 Type: 


Copyright:  Oct 25, 2010 ISBN-13:  9781456027995


I have been in the financial arena for 10+ years and I have not seen it all, but I have seen enough to know that the level of ignorance and deception is mind blowing!

I wrote this book because I was tired of seeing people get "ripped off" and being "mislead" by wanna be financial advisers. This book is written to guide consumers in terms of planning for the future with the use of financial products and services. Don't you be the last to know that you have a firm grip on an empty bag!

Get informed and get prepared TODAY!

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During my practice, I have had to "clean up" quite a few situations involving financial services. I attribute this mostly to ignorance; which can be corrected. Then there are the dubious, starving insurance agents. One cure for all situations without a complete diagnosis! I wrote this book to educate consumers. It is only a guide but it is ammunition to defend against the product pushers.


St Charles, IL-Bill and Sarah, a local couple, have just been the unfortunate victims of bad advice, and their own lack of knowledge.  It is so sad to listen to their story, and how they inadvertently created a financial mess for their family.

It all started when they went to their personal attorney and accountant to talk about setting up an estate plan for themselves.  They have the usual assets: a house, a vacation home, some stocks, bonds, IRAs, and so forth.  Nothing too complicated. (At least that’s what they thought).  Well, they ended up setting up a will, and a thing called a “living trust”.  They were told that all their worries about the handling of their estate, and the tax issues, we’re all taken care of. 


They thought they were OK! 


Now Bill and Sarah are no different than most people.  They hire advisors to help them with their money, and assume that everything is OK.  Well in many cases that is true.  But as Bill and Sarah found out, sometimes the complexity of today’s economy and tax laws is worse than they or even their advisers could imagine.  Let me tell you how Bill and Sarah’s simple situation got so messed up. 


Too many unknown pitfalls! 


First, they had not been told that when they set up this living trust; that they had to make certain changes to their assets.  Also, there were not aware of how to name the beneficiaries of their estate.  Finally, they were of the belief that they would see substantial tax savings from establishing the trust.  They thought that upon their demise, all the transfers would occur without going through the expensive and lengthy probate.  Being that they were both in their late sixties, they felt good about getting everything in order before something happened.


The secrets revealed!  Two years later, they were both killed in a tragic car wreck. Their kids and siblings were totally devastated.  They were in such good health, that no one expected such a premature death.  And, to make all this even worse, their estate matters took 17 months to settle; with a tax and legal bill that exceeded $100,000!  See, they did not know about things like:

• the right way to set up your trust so your assets will be distributed to your heirs virtually overnight, and completely avoid costly and time consuming probate!

• Why you should almost never use joint tenancy to own your assets!

• The truth about what the trusts can do, and what they cannot do!

• The amazingly simple steps you must take now to avoid wasting thousands of dollars in needless legal expenses later on!

• The shocking truth about your estate that your advisers have probably never told you!

As stated earlier, this can all be avoided. Knowledge gives you confidence. I am not a lawyer but I do work closley with a couple of lawyers and with other professionals to ensure that the plans that are recommended are bullet-proof!

• Learn the biggest mistakes people make when setting up their estates and how to avoid them!

• The dangerous pitfalls of trusts that most people will never warn you about!

• The simple, yet powerful secrets to assure your family is taking care of!  Learn how to protect yourself from the attorneys and the legal system!


You need this report!


This report explains how to make sure your estate is properly taken care of and it is now available!  The report is called, Estate Planning.  It reveals, in simple English, why so many people mess up their estate planning, and how to avoid all these pitfalls that are waiting to snare your estate!  Your accountant and attorney are hoping that you don’t read this report, because it is in their best interest for you to stay in the dark!  You can get your copy, by visiting:  and go to Reports for your choice of the Special reports and that’s it; or you can call 1.773.765.4491 to schedule a FREE, NO OBLIGATION review of your financial situation (a $1500 value) for the first 10 respondents within a 50 mile radius of Aurora, IL and you will also recieve a complimentary copy of "Ask the Right Questions".


This information is valid across the US!


A unique approach developed By Robb Hill that will solve all of your worries concerning financial planning.

 A free unbiased, straight talk evaluation of your current situation and inform you of any gaps in your financial planning within two business days of meeting with you.

You’ll be able to rest assured, knowing that your goals will be met and there will be no hidden surprises down the road.

Robb Hill is recognized as one of the nation’s leading experts on safe investment alternatives. He is an independent financial advisor who has been helping consumers with tax advantage investment alternatives for over the past 10 years.

He has created a service that caters to people who are frustrated with low interest CD’s and are rightfully scared of the crazy and risky stock market but still want higher interest.

His service helps consumers find alternatives to CD’s and the stock market that not only safely protect their nest eggs but also provide many tax advantages.

There are many strategies for each situation and Robb Hill is an expert at uncovering the best potential strategy for your situation.

His business is based in Aurora, Illinois but he services clients throughout the state.

You can also find us on Facebook,Twitter and Linkedin



Ask the Right Questions, Get the Right Answers
By Robb Hill
ISBN: 978-1456027995
69 pages
Robb Hill’s Ask the Right Questions, Get the Right Answers is a concise and straight forward guide to securing your financial future. Over the past century individual financial security after retirement has taken many dips and dives and has gone through an immense amount of changes. Mr. Hill addresses past retirement practices starting with the first corporate pensions. He takes us through some history as to why these pensions were created and how they are being dismantled, the roll Congress plays in protecting corporations while individual’s promised pensions are collapsing like a house of cards, and then explains the shift to funds like 401Ks. 
Mr. Hill’s book explores the financial options available in preparing for retirement and some situations why other options may be better then others for some people. He feeds us just enough information to give us an understanding but is not overwhelming. He guides us through choosing a financial advisor and gives us the questions to ask. He explains how financial advisors make their money and when to steer clear or be wary. Surprisingly there are only four main areas that are essential to have in place and I felt empowered knowing that at my age I have a few of them in place and a few I need to explore and secure.   The task is not as daunting as I’ve thought.
Robb Hill includes a lot of statistics and backs up his facts. The excerpt that really stood out to me in this guide was this: “Take 100 people at the beginning of their working career’s…40 years later, according to the Social Security Administration, one will be wealthy, five will be financially secure, five will continue working, 36 will be dead and 54 will be dependent upon their meager Social Security checks, relatives, friends or even charity for a minimum standard of living. Planning is the major difference between the 6% that were successful and the 94% that failed to accomplish their objectives.”
            Ask the Right Questions, Get the Right Answers is 69 pages of rich content that everyone should read, even if you feel you have your bases covered, regardless of your age, to gain an understanding of what you should have in place in order to be confortable during your retirement years. This is phenomenal guide to read to gain knowledge and raise questions with your own financial advisor. For those who don’t have professional help, it gives you an understanding of what you should have in place, even if you do it yourself. Ask the Right Questions, Get the Right Answers is available in eBook format and in paperback.
Jackie Miller


“Why this idea won’t work!”
In today’s fast paced, global economy the majority of people are coming face to face with the fact that they will not be able to retire the way they would like to. Most people think that “retirement” is an age; I submit to you that retirement has nothing to do with age; and everything to do with a person’s financial position!
In our school system, “academic intelligence” is very important and
this is what our educational system teaches. In essence; what our school
system teaches is how to be an
employee. Very strange in the land of
opportunity! The indoctrination starts at a very young age, it is very subtle, when they ask questions
like, “What do you want to be when you
get big?

Their many forms of intelligence, for instance, there is “financial
intelligence”, but for there to be “financial intelligence”, there has to be “financial literacy”. Mind your own business, Robert Kiyosaki, free
enterprise celebration, Internet Services Corporation, 2001. (1)
The question I have been asking of many people between the ages of 50 and 70 is; “what would you do with different if you were my age,
and know what you know now? The answers I always get are to get more education so that I could have gotten a better job to make more



money! The next question is, “Have you come to grips emotionally that most of the older Americans will be destitute in 10 to 15 years?”
According to Dr. Gary North in his Internet Economic Commentary,
“Reality Check” (August 1-8, 2002) (2) he sites these interesting facts:
• between 1995 and 2005 the number of workers who were age 55
and above will increase by roughly 31%-from 16,000,000 to
• More than 33,000,000 people are age 65 or above in the U.S.
today. By the year 2030, this population is likely to exceed
70,000,000: i.e., more than double.
• At age 65, 45% of Americans depend on relatives for financial
support, 30% depend on charities and 23% keep on working. Only
2% are self-supporting.
• 75% of Americans 50 years old have less than $5000 in the bank
for retirement.
The prevailing thought in my mind is: “if college is supposed to
prepare you for if life,” what explains its failure to teach the very basics of success: how to build enough assets to achieve, eventually, both
freedom and security? If they will ever learn this very important lesson,
they will have to realize that a new teacher is necessary, one that has
achieved both freedom and security. In retirement, the goal is not to have a pile of assets. The goal is cash flow. William A. Stanmeyer, J.D.,
How to slay the financial dragon: winning the battle for time and
money.J&W Business Group 2002 p.14, 25.(3)The terms: laid-off, down-sized, right-sized and Enroned, are very
common today. A lot of people today are realizing that job-security is
an oxymoron. There are thousands of college grads that are under
employed or unemployed due to the fact that they are too expensive to hire.
“Security vs. freedom, in 1773, the year of the infamous Boston tea party, what were the American rebels protesting?” asked rich dad.



“Taxes”, I replied. “We wanted freedom from taxes. Those brave
men risked jail or prison by performing a criminal act against Mother England.” “Good”, said rich dad. “So they did not throw the tea overboard in the name of greater job security?” “No, they were willing to fight for freedom, not job-security.”
“And what do we teach in school today?” asked rich dad. What is
the main reason parents and teachers fearfully insist their kids study
hard and get good grades? Is it for freedom? “No”, I said quietly.
“Parents and teachers want their kids to get good grades for jobsecurity…
hopefully a high paying job”. Robert T. Kiyosaki, Sharon L Lechter, C.P.A. Rich Dad’s Prophecy, (New York: Warner books, Inc.). pp. 44-45 (4)

Most Americans are following a plan that will not work. This 40 year plan can about because of the industrial revolution. Manufacturing needed a lot of workers. Where were they going to get these workers from? The answer to that question was at that time from all the farmers and the small business owners of that time. The owners of industry realized that in order to get these people to leave their farms and their small businesses; there had to be an incentive! This is where the promise of 30 years working here; and the company will take care of you in your old age. This brought thousands of people out of the fields and into the factories. With the advent of WWI and WWII; the United States of
America emerged as the world’s supreme manufacturing superpower.

Now fast forward; we find ourselves in the age of political correctness, the first African American president of the great United States of America, the subject of race has reared its ugly head again!

And we have the largest segment of the population known as the baby boomers moving at an amazing clip to this place called retirement.



And we now find ourselves faced with; too much government, too many taxes, not enough jobs, and an unheard of deficit! The solutions to these problems are another book altogether; so I will not address it here.
The problem that I want to address in this book; is the lack of consumer
education in the area of financial planning. And here is where we start.

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