Independent Insurance Agents, Advisors, Consultants, Tax Preparers and Paycheck Analysis

Dear Tax Payer,                             

      As you can see, I’ve placed a picture at the top of this letter.  Why have I done this?  Actually, there are two reasons:

1.      I have something very important to tell you and I needed someway to make sure this letter would catch your attention.

2.      And secondly, since what I’m writing to you about concerns being on the ball financially , I thought using this picture as an “eye-catcher” especially appropriate, as it relates to the story below.

      Once upon a time, a bad golfer walked up on the green set his tee in the ground and placed his ball on it… to play the first hole of the golf course.

He got in his stance, made his back swing, and then swung as hard as he could, but he missed the ball completely.   Only to hit the grass, making a big divot (a chunk torn from the turf) …and killing thousands of ants at the same time.

Two ants, which were barely missed by the club, were filled with fear after seeing what had just happened.  And became very concerned about what will happen, when the golfer swings again.

One of the ants had an idea and said to the other ant.

“I think we should find a safe place, so let’s… Get on the ball”

For you I'm talking about being on the Ball  "Financially"

Hi, I'm Allen Stewart

  Allen Stewart is a licensed tax preparer and insurance agent. He has worked for the past twelve years providing retirement planning and tax strategy educational seminars throughout the San Joaquin Valley. His education and licenses in tax preparation, insurance, and annuity planning, has giving him the knowledge to develop a unique program that helps his clients to save more money to put away for their--“golden years”, to immediately lower their taxes--putting more money back into their household, and to do this with little to no effect on their current income…allowing them to keep living the lifestyle they are living. This program is directly responsible for saving clients on average, $3265.92 in taxes.

  Tax Saving Experts is a tax and insurance agency specializing in retirement planning, life insurance, and tax saving maximization. Seminars on retirement planning utilizing tax strategies to increase your 401k, 403b and IRA’s savings programs. Programs designed on the benefits of using term life insurance tactics to lower insurance cost and increase savings. Programs to take advantage of the benefits of annuities compared to CD’s.  

You see,

 I’ve been the bearer of both good and bad news to Tax Payers…the bad news being:

·         Tax Payers had grossly overpaid their taxes, ESPECIALLY WHEN THEY RECEIVED A TAX REFUND -- because of NOT knowing this little secret, it can cost you $32,959.20 in the next 10 years!

·         How a Tax Payer and his wife over-paid their taxes (now get this) by an unbelievable whopping $76,251 over the previous 7-year period, before coming to me.

This is a true story…

After analyzing their taxes, what was discovered was a major tax-overpayment.  You see, this family should have taken advantage of this little-known tax secret called the Tax Ratio Formula.  Based on their current tax deductions (Mortgage interest, property taxes, exemptions, etc.) this family missed out on protecting $26,000 of income from taxes because the previous 7-years they didn’t know about this tax secret, the Tax Ratio Formula!  

      Now, for the good news…

·         One Tax Payer from Atwater went from paying estimated taxes to getting a small tax refund… using the Tax Ratio Formula    

·         Fresno Tax Payer immediately recouped $2,620.08 of overpaid taxes…saving him $218.34 per month.

·         A central valley Tax Payer bought an RV…ALL CASH!…using the Tax Ratio Formula.

When you Take Back Control And Get Uncle Sam’s tax monkey off your back

How much would your life change if you didn’t overpay your taxes?

2/3 of Tax Payers over pay their taxes. The average amount of over-payment is right around $300.00 dollars per month.

Here’s some ideas I want you to imagine yourself doing with when you take back your money…

• Have extra money on hand when you need it by increasing your household monthly income.

• Be debt free sooner when you pay your mortgage off with all the extra money, you get by using the Tax Ratio Formula  

• You’ll have less stress when you pay off your bills

• Plan for that dream vacation; go to other places you’ve been fantasizing about visiting.

• Save for the kid’s college fund, so you can make sure they can support themselves J

• Save for your retirement so you don’t need the kids to take care of you in your old age.

• After all you work hard for your money so buy yourself a new car; because you deserve it,

• Kick back and relax watching your favorite shows on your new big screen TV

• Start a saving plan for the grand kids, because you love them and you want to make sure they get a good

start in life

• Get a gym membership, because your health is very important to you

• How about getting that new furniture, because it’s time for a change

• You want to get tickets to your favorite team, you love that team, and would really enjoy front row seats at their games

• Now start that home improvement project, so you can get your home looking the way you’ve been wanting it to for so long

• Own that new set of tools, so you can make working on your projects so much easier

• Purchase that new computer so you can have the space and the computer speed you need to run your programs

• Get a new pet, because you love the company they provide and they’re so much fun

• Buy those new shoes that go so well with your new dress

• Own that new suit that you look so good in, because you know the women won’t be able to resist you

Just imagine what else you could do when you take back control of your money.

And you may be wondering how this all works

Important Facts About The Tax Ratio Formula

·         The tax ratio formula showed you how to increase your retirement money by an average tax ratio of 1.56 %. (When you saved $1.00 then apply the formula that $1.00 becomes $1.56, $100 will become $156.)

·         43% of Tax Payers would get a pay increase. When you use the tax ratio, you give yourself a 4 out of 10 chance to increase your take home income.

·          89% of Tax Payers would not lower, their take home pay one dollar when they used the formula to increase their retirement savings. When you increase your saving from $100 per month to $156 you’ll see that your paycheck will be the same amount or maybe a little more.

·         100% of Tax Payers used the tax ratio formula without under paying their taxes. When you use the tax ratio to increase your retirement, or increase your take home pay you’ll never underpay your taxes, because this is not a way to avoid taxes (everyone must pay their taxes) this is your personal tax ratio (everybody’s is different)  that everyone has and is legally able to use.

Why should you take advantage of this free offer today?

Because the need to tee up and be on the ball with your money is more important than it’s been since the great depression.

Tax Payers in America are looking for answers; because they’re looking at an uncertain financial future. In many jobs, there making cutbacks and considering layoff and that makes Tax Payers concerned and has them feeling a need to keep as much money as they can available for quick access. Failing financial institutions are giving us all an uneasy feeling about the safety of our money, so we want guaranteed solutions that can give us peace of mind.

The government may soon suggest the increase of taxes to help bailout the nation’s financial failings lower our household income and severely change our lifestyle.

The Tax Ratio Formula will get you teed up and get you on the ball by giving you the knowledge that puts your money back in your control and available to your household.

The Tax Ratio Formula will get you teed up to hit your ball of retirement money 300 yards straight down the retirement fairway putting yourself far away from being clubbed by taxes and possible tax increases?

What type of result can you expect?

The results Tax Payers are having using the Tax Ratio Formula is outstanding.

Hear what others have to say:

   Peace of mind is why I bought my annuity.  But, most of all, I enjoy the money I get

from the big bonus.  That’s why I jumped at the chance to get me an annuity.  It makes

my money grow faster.  Especially when compared to sleepless nights worrying about

the stock market or getting a measly interest rate in my savings account…another

great thing is that the annuity lowers my taxes.  Come retirement, I’ll have

security.

                                                                                                            —S.H., Tax Payer/ Merced City ESD

“I was impressed with your presentation about how tax-sheltered annuities could

provide me with more money, during retirement. And how I could eliminate debt,

with the loan provisions. Three things I like the most about my annuity are the loan provision, tax-deferral, and most of all, the disciplined savings.  You see, without the payment to my annuity being automatically taken out of my paycheck, I’d never be

able to put money away.  I just can’t save any other way. As I age, health has become

a great priority.  That’s why the Nursing Home Rider included with my annuity is a

great feature.  I’ll get access to more of my money without penalty if and when I

need it.”

—P.M., Tax Payer/Merced City ESD

“I moved a block of money so that I wouldn’t have to be up all night.  Worrying about what’s happening with the stock market and the constant monitoring of my account.  Plus,

 I got a double-digit bonus to boot. But, the one thing that stands out the most is that I got customized, personalized service.  This stood out because, others who approached me about financial matters, said, “Here you do this!  Everyone else is doing this, so you do it.” Others weren’t specific.  This made me feel like I was just one of a million.  He looked at my whole financial picture.  This made me feel like I he gave me his entire attention, as if I

were his only client.”

—L.G., Administrative Assistant/Salinas High School District

Over a hundred Tax Payers received helped with this program in just the first few months after it was available, with tremendous increases in their savings and in many cases, they were able to increase their take home pay as well

This information has proven value

The price for this book is $79.95 (it’s your free) and yes it’s not cheap, but let me ask you, is cheap financial information important to you?

If the saying is true “you get what you pay for” do you want cheap when we’re talking about your finances?

What makes it so expensive?

1. Over twenty years of tax preparation plus retirement planning knowledge and experience used by the writers of this book to give you the most accurate guidance. The expertise of (next page)    the writers are a confidence builder and allows for your peace of mind knowing the qualifications of the writers are exceptional.

2. Easy to use worksheets designed personally by the writers for the everyday person to use, and all the technical terms used to perform a tax ratio calculation are broken down to everyday language so anyone can follow along and be able to fill out the worksheets without stress or confusion.

3. This book provides all the reference materials needed, you will not have to spend any money to purchase any other books or materials everything you need is already in the book or ready for download by clicking one of the download links provided in the PDF version of the book.

4. The average decrease in taxes and increase in available cash to most households is $300.00 per month when the techniques in this book are applied. Far surpassing the cost you would pay if you were purchasing the book.

A call to action for every able-bodied over taxed Tax Payer

The next move is up to you.

You and I both know that if you’ve read this far in this letter, you’re seriously interested in improving your taxes, your savings, and your household income. All that’s left to do now is for you to take action.

Just click the special limited time offer link below to get your free Tax Ratio Formula E-course today

Sorry This Special Is Over

But you May Purchase The E-Course At http://www.paycheckcalculator.org

Cordially

Allen Stewart

P.S. One more thing I almost forgot to mention – this course includes the best, most unique learning tool there is – A REAL PERSON.

You get your own professional counselor to contact with any question you may have as often as you need. Any time, 24\7. expert@taxsavingexperts.com