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November Newsletter HAPPY THANKSGIVING! We are so thankful that you have chosen passive investing, the Modern Portfolio Theory (MPT). Since we moved to MPT in 2001, everyone (clients and staff) is enjoying Peace of Mind and the elimination of financial stress. Clients who have attended the Investor Education classes especially understand MPT much better and have the least financial stress. Please plan to attend the Investor Education classes, which are FREE for clients. Thanks again for moving from broker/dealer to broker/dealer with us in search for the TRUTH of investing. We feel the MPT truly utilizes God's market and is supported by scripture. INLAND RETAIL/SUNBELT: Inland plans to have the Retail/Sunbelt program's IPO (Initial Public Offering) during 2006. Hopefully it will be as successful as the Chicago liquidation, but with less problems! Inland in an Onaga IRA or ROTH, will eventually need to be moved to be sold. INLAND AMERICAN: Inland's new real estate program is up and running. This program is widely diversified, by investing in more types of real estate besides strip malls. Otherwise it is pretty much the same as the other Inland programs, whose focus has been additional stable growth and constant income from real estate holdings. If interested in Inland, you need to have the prospectus in your hands 5 days before you purchase. If you want a copy of the prospectus, let us know, or you can get it off the Inland website. YOU ARE COVERED: When either Phyllis is out of the country or Lynn is unable to answer the phone, the plan is to forward your calls to Joyce. Or, better yet, you may call Joyce directly. She will help you with what you need. Joyce's WWC business cell phone number is 734-536-3407. When you get voice mail, please leave a complete message; so if possible, she can get your question answered before calling you back. All clients were sent a 2006 calendar and inside were our updated phone numbers. Please put the magnetic business card on your refrigerator, so the numbers will be easily available. DO NOT HESITATE TO CALL. LETTERS FROM WWC: Early in 2006, we will be mailing out letters addressing specific client needs: IRA to ROTH Conversions, Maximum Roth Automatic Contributions; Liquidating Inland (Chicago and Sunbelt) currently held at Onaga; and Required Minimum Distribution (RQM) Calculation. Look for these letters from WWC, if they are appropriate for your needs. YEAR END APPOINTMENTS: If you need an appointment before the end of the year, Phyllis and Maria will be available after Thanksgiving, to the middle of December. Call Joyce to set up an appointment with Phyllis, or call Maria directly for GR area. WEALTH COACHING CLASSES: We had great attendance at our 2005 fall classes and are now scheduling our 2006 classes. Please call if you would like to have a class in your area. We prefer Christian venues: i.e. churches, colleges, and schools, however are very open to your suggestions and comments. THANK YOU! We appreciate all the friends and relatives you brought to the Allendale and Plymouth Separating MYTHS from TRUTH classes. We will continue to have the MYTHS Classes so, start inviting your family members who have not yet attended. The 10AM-12 Noon classes worked out so well, we will continue them for sure! GR SAVE THIS DATE: The FREE Separating MYTHS from TRUTH class is planned for Wednesday, January 18, 10AM-12 Noon in the Grand Rapids area, details to follow. Start inviting your loved ones, friends, neighbors, peers at work, tax preparer, attorney, mother, brother, sister, uncle, in-laws, pastor, teacher, Sunday school leader, etc. MORE INVESTOR EDUCATION CLASSES: Matrix has added 4 more Investor Educations (IE) classes: Series III: Classes 9-12. These will be available in the Fall of 2006. Only clients who have taken IE Series I & II will be allowed to sign up for IE Series III. Class Schedule will come out early 2006. GROUP LIFE COACHING CLASSES: We will be starting group Life Coaching (LC) Classes next year. The cost of these classes will be included in the New Client Initial Fee, which will be increased for 2006. Private classes will still be available, at a cost of $500 each. All existing clients will be allowed to take the group LC classes for FREE! Look for these on the new 2006 Class Schedule. NO! NO! NO! People want to purchase your old Captec, Cronos, Wells, Inland Land, and CNL because they see profit there! Don't fall for their excuses. The bottom line is, there is money to be made. It is your money, so hang on to your investments. Don't sell them to the scavengers. If in doubt, call our office. Phyllis gets the same letters! MORTGAGE SCAMS: It does not cost any extra money to pay your mortgage off early, just pay extra on your principal. Don't fall for early payoff mortgage programs that charge you a fee to bill you twice a month. Just pay more on your monthly principal and you accomplish the same savings without extra costs.
REQUIRED MINIMUM DISTRIBUTIONS (RMD): If it is not possible for you to convert 100% of your IRA to your ROTH before you turn 69, and if you DO NOT NEED all of your RMD income for your lifestyle expenses, here is a suggestion. Request the portion of RMD you do not need as a ROTH Conversion payout. This converted amount will grow tax-free forever, and will be given to your heirs tax free, unless you need it. Yes, you have to pay the taxes on it anyway, so instead of investing it and paying more taxes on future gains, convert it. Your ROTH needs to have been in existence 5 years before you can withdraw these monies. HOLIDAY SHARING! Do your family a favor; make it easy to share The Modern Portfolio Theory (MPT) with them during your holiday family gatherings. Put out a couple copies of the Seven Deadly Investor Traps CDs, The Lies and 101 Truths paperbacks, and your copy of the book you received at the Investor Education class, The Successful Investor Today. They will notice! When your family questions you about how you are investing, tell them to take a copy of the CD or paperback home with them. If you need more copies, just call Lynn, Joyce or Maria. You are also welcome to share the www.mymatrix.cc website with them, where they can log in as a guest to see a sample statement. Plus, you can also share our www.wordhousewealthcoaching.com website with them. Go to the class schedule page and see if your picture is on our website! If not, ask Maria to take your picture at the next class! Have fun! CHRISTMAS LIST: Here are some items you can ask for if you don't already have them. Please make sure your personal mail goes through a cross cut shredder before tossing, especially if any personal information is on the mail, yes junk mail also. Also, for efficiency, please get an answering machine, which really helps our staff in leaving messages. Ideally, we would also like all clients to have access to a computer, so you can get email and send us email messages. It helps our virtual business work more smoothly if we can email you. BUILDING CLOSED: We are here for you, just not in the Ford Road building. We are closing our building Nov. 1 to the beginning of the New Year. We are working virtual, so please do not go to the office, unless you are told to meet one of us there. OUR CONTACT INFORMATION: We are always here for you Monday - Thursday, 8:30AM-5 PM - closed Friday's. Voice mails are COMPLETELY CONFIDENTIAL. Please contact us anytime. Either leave a voice mail message or send us an email. **Please note Joyce's new phone number. Lynn M Lentz: (734) 459-1819 - LML@WordhouseWealthCoaching.com Joyce Kurtz: (734) 536-3407- Jkurtz@WordhouseWealthCoaching.com Maria J. Kuitula (616) 460-6518 - thekuitulas@comcast.net Phyllis J. Wordhouse (734) 459-1819 - PJW@WordhouseWealthCoaching.com
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