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Have You Ever Said To Yourself "I don't want to make a mistake with all the money I've saved for retirement?”

"The stakes, if you’re nearing retirement, are steep. The cost of bad advice at that point of life is high. You can’t get the money back.” 

“I’ve spent my whole life saving. I just don’t want to make a wrong choice. Choosing the right way to invest your money is really hard!”   Mike R, Scottsdale AZ 

Is trying to pick the right retirement strategy making you nuts?

Don’t you wish you could know you’re on the right track making the best decisions with your money?

Did you ever think you'd still be trying to figure out your retirement strategy at this stage of your life?

Are you sick and tired of trying to know who to trust for advice?

Have you ever said to yourself "I thought I would have this all figured out by now?”

I have great news for you…

If you want to learn how to wake up knowing your retirement plan is bulletproof and you’ve made all the right decisions then you’re in the right place.

The retirement planning secrets you’re going to learn today will give you the knowledge you need for a lifetime of financial security...
  •  You'll discover exactly how to shop for products and strategies to get you the MOST money for retirement
  •  You'll understand exactly the fees of different strategies - and exactly how to not pay more than you should
  •  You'll skip past all the free steak dinner events and uncomfortable meetings MOST Baby Boomers suffer through and go right to the end of the process 
  •  You'll know exactly how to speak with an adviser - to get exactly the plan you need - and know who you can trust
  •  You'll have more money to spend in retirement by using a simple framework to help you avoid bad financial products and strategies that could cost you a small fortune
Let me tell you the story of how I stumbled on the Wealth For Life Formula that revolutionized my business, and the lives of my personal clients...

But before I explain, let me introduce myself...

Hi. My name is Denver Nowicz. I am 18 year adviser and fiduciary.  I've also been hosting the Wealth For Life radio show for over a decade. 

My life's work has been helping people make good decisions with their money. 

While I am proud of my licenses and designations, most of what I learned came from the "real world".
It all started with taking care of my Mom, Dad and Grandma for 10 years before they passed...
For around a 10 year period of time, I ended up taking care of my Mom, Dad and Grandma as they all got hit with medical issues late in life.
  
My Dad owned pest control company called Maricopa Exterminating. 

He always got hit pretty hard with taxes as a business owner.

As he got hit with health issues later in life, what savings he had quickly evaporated.  

He was a bigger guy and needed lots of care so he had to go in a nursing home.

My Grandma, with her and my Grandfather, he retired at 65, but unfortunately passed away from a heart attack right after he retired. 

Something that probably could have been routinely fixed today but not back in the 1970’s.

My Grandma had their savings and his black lung pension from his days as a coal miner. 

But she lived to be 93 and simply outlived her savings and ended up living with me the last few years.

My Mom’s story was a little different. 

She got an inheritance from a life insurance policy from her Grandfather back in the last 1970’s.  

Roughly $70,000 or so, which was a lot of money back in the day.

Unfortunately, based on some bad advice she ended up investing it in a stock that turned out to be an “Enron” type company and she ended up losing that entire nest egg.

Later on in life, due to some complications from a car accident she ended living with me for the last four to five years before she passed.
We always thought what a difference it would have made if someone had given her some different financial advice and we had that money to help out with her care.
Anyone who has taken care of elderly parents know if can be one of the most challenging and rewarding things you can do.

(I am certainly a wiser person for it. I was thankful to spend that much time with my parents as an adult. When we are young we are too busy living our own lives to appreciate them!)

While I was glad to take care of my parents and grandma - it’s not usually the way you draw up your retirement plan.

What I learned going through this was that many of the ways people are taught to plan - following conventional wisdom - doesn’t always serve people in the best way possible.

I decided to make it my life's work to help people avoid financial mistakes. 

Unfortunately, here's what I found...
The world of financial planning, is rampant with conflicts of interest, conflicting opinions, outdated advice and even media bias.
You may have thought it has always been hard to choose the right investments and strategies.

Now in the digital age this is all compounded with information overload.

“Information overload is giving us little time to focus on any of it— and leading us to make bad choices about our money” 

So here I was a financial adviser trying to educate people through radio, events and one on one meetings. 

I really wanted to help as many people as possible make better decisions with their money.

I wanted to be able to help people regardless of how much money they had so I could prevent them from making the same financial mistakes my parents went through.
The problem was a financial adviser I was trained to withhold information from you.
The financial industry is so entrenched on being the "Gate Keeper" of information.

They train us to give people like you, just enough information to spark your interest, so you have to come to us for the answers.

I was told “If you give people all the information, what will they need you for?”

That meant if someone did not want an appointment, and to become a client, I wasn’t able to help them avoid the financial mistakes my parents went through.

I felt terrible because I knew people really wanted the information on how financial products and strategies worked because they had worked so hard to save their whole lives and more than anything else...did not want to make a mistake with their money.

I felt even worse about the situation because I knew people would try their hardest to make good financial decisions, and would end up getting sold terrible products or bad investments.
I felt like a failure as an adviser because I couldn't prevent people from being sold terrible products or bad investments.
I would see people reading books and watching shows on TV, listening to audios and searching the internet. 

All to try and not make a financial mistake.

But the reality is, if you're not an expert at something, it's very hard to know that you're making the best decisions, right?

I mean maybe you've had this experience, you go down and you sit with a financial advisor, and you hear all this detailed information.

You have a nice meeting, and then you go back and get a plan.

The plan's 20 pages long and the advisor talks about a bunch of stuff and you kind of have this feeling like, I don't understand the half of what they said.
"Most of what my adviser says goes over my head. I smile and nod like I understand. I just hope I can trust him and he is doing what's best for me."

Steve J.
And what do you do now?

You just kind of hope that this person is trustworthy.

You hope they're gonna do the right thing for you.

Now I believe in the good nature of people.

I think most advisers are trying to do the right thing with what they know. 

Be here’s the truth:
Most people don't understand 50% of what their financial adviser says. Maybe more.
Sometimes that works out where you do get an advisor you can trust who's doing the right things, but other times you don't.
  
And then the other times, you might get someone who's really honest that does the plan for you, but it just is not the right plan for you.

The problem is some advisers have a bias towards certain types of products.

Some advisers might say all annuities are bad and they only sell investments.

Others only sell annuities and say never trust the market.

Some people say real estate is the only place to be.

So what you have is this problem of how do you know who to listen to?

How do you know who to trust?

How do you know even if you get some of the ideas, how do you pick the right products?

How do you navigate this complex financial world and put it all together so you have the retirement you dream of without all the financial worry and stress?

You're supposed to go talk to a financial adviser and but then we're back to our same circle again!

Now I'm not saying that there's anything wrong with talking with an adviser. You probably do need a financial adviser. 

 In fact, I would definitely suggest everyone should talk to advisers.

But…

if you don't know what to ask…

if you don't know what the basic structure is that you're looking for…

if you don't know the types of products and how they work...

Then you're at the mercy of someone else and you're hoping  they are planning for your best interest and financial future. 
A very stressful position and a very powerless position.

So after years of frustration of not being able to help all the people I wanted to help, something amazing happened…

I had a brainstorm back to my days of teaching financial classes...

Instantly it became crystal clear to me how to give baby boomers the inside information they need to choose the right adviser, and pick the best products and strategies for a stress free retirement.

I saw I could empower people to avoid costly financial mistakes my parents made and feel safe about their retirement.

That’s when I realized that the secret was to take everything I would do in one-on-one meetings with clients, and teach people the "insider's game" of financial planning, products and strategies.

As a fiduciary and adviser for for over 18 years, I had already been teaching this method to all my personal clients through one on one meetings with amazing results:

"Sound retirement advice that is creative, but reliable...

"We started working with Denver on retirement strategies shortly after we moved to Scottsdale in 2010. I've found him to be a consummate professional with sound retirement advice that is creative, but reliable and secure. I wish that we'd met him sooner, but intend to fully maximize our financial strategies through him going forward. I highly recommend his services. "
Jim Swantko

"...increase your financial peace of mind..."

"If any of you are looking for a way to increase your financial peace of mind, plan for retirement, get a financial strategy in place... this is the guy to talk to. Thanks Denver for all the help over the last several years... "
Mark Burgess
After that, we rolled the entire program out to thousands of my subscribers and I started building a community of empowered baby boomers..
You’re about to discover how to turn the tables on the financial industry so you don't have to be at the mercy of someone else to have a successful retirement...
Introducing: The Wealth For Life Retirement Success Course!
With the Wealth For Life Retirement Success Course, I can now give you all the pieces necessary to create your retirement plan, choose the right products, pick the right allocation and choose the right advisers, instead of spending weeks or months researching what to do with your wealth and potentially losing thousands of dollars with the wrong move.
  
This is not about you becoming a financial advisor. 

This is about you learning the basic framework so you can get the right team in place and then go live your life.

I believe no one watches your money like you do.

And this course will put you back in charge.

"Highly recommend! You will not be disappointed..."

"Just a quick note on Denver's services to my wife and I. In today's world of uncertainty about retirement decisions, Denver provided us with direction on safe strategies. Highly recommend! You will not be disappointed. "
Jesse Curry

"...strategies that I know will help my retirement years..."

"Denver is very knowledgeable regarding planning strategies and has great integrity about the what he advises. He has directed me with strategies that I know will help my retirement years. "
Dr. Dan Allen
In Fact, Here's What The Retirement Success Course Can Do For You...
  •  Avoid choosing the wrong products and allocations....
  •  Understand retirement planning so you are never at the mercy of someone else to plan for your financial future....
  •  Have a plan to give you true peace of mind so you can get on with your life and stop worrying about money....
  •  Bypass all the pain of researching financial strategies the traditional way that takes forever...
  •  Choose the best advisers because you will have the knowledge you need to ask the right questions and separate the charlatan from the true trusted adviser.… 
Think about how good you'll feel about yourself when you're not at the mercy of someone else to make your retirement dreams come true.
Most people, even when they have money, are worried about their financial future.

Imagine knowing you have structured a plan that protects you no matter what is going on in the world.

The last you thing you want to do is spend the precious time you have worrying about money!

When you feel secure about your financial future, you free up space in your life for things that are important.

You remove that pain and distraction...the unease you get everytime you watch the financial news or a big expense comes up.

You can see yourself lighter and freer spending time with the people you love, doing the things you enjoy most.

"I was just relaxing enjoying the game because I understood my plan"...

"We were out playing golf and the markets were crashing. All my friends were stressed out checking their phones and looking at the markets between each hole. I was just relaxing enjoying the game because I understood my plan"
Dr. Mark McAlister

"I would highly recommend Denver to anyone looking for advice..."

"I have known Denver for almost 5 years and have purchased several products from his firm. He offers solid advice, and will help you to understand some options that can enhance your your retirement and reduce your tax burden. I would highly recommend Denver to anyone looking for advice. "
Craig Ashcroft
So again, if you're a Baby Boomer who wants know you are making the best financial decisions so your money will last a lifetime, understand this:
  •  You can have your retirement plan done faster than you ever dreamed possible and start to put money worries behind you....
  •  When you go through this simple, proven process you can forever know that you are on the path to greater financial security and peace of mind.... 
  •  The instant it's done you can leverage your new knowledge to review your current plan and make sure you are on the right track.... 
Here's Exactly What You're Going to Get With the Wealth For Life Retirement Success Course
The Wealth For Life Retirement Planning Foundation ($397 Value)
(6 Classes) These video classes are the shortcut for you to go through the entire retirement planning process which lets you bypass all the headaches of choosing the right investments and products without a plan. Get started and learn to let go of some of your retirement worries.

The Tax Protection Course ($397 Value)
(5 Classes) These video classes give you the secret to understand the big picture and the exact process to use to minimize taxes in retirement which helps you hit the ground running and not get slammed with tax liabilities in retirement you didn't see coming and minimize the taxes you pay in the future. Pay your fair share, but not more than you should..

Choosing Financial Products and Investments ($397 Value)
(9 Classes) These video classes make it easy for you to decipher some of the most complicated financial products on the market - Annuities and Investments - which helps you learn what to shop for and what to avoid. A bad annuity and cost you thousands of dollars. The wrong investment can lose big! You can feel confident that you have picked the right products and investments.

No boring powerpoints! Face to face, classroom style education

Incorporating the latest learning technology and recorded live, you will learn the strategies easier than you ever thought possible.  You have unlimited access!
All classes designed with the "Fiduciary Standard."
The fiduciary standard means designed in your best interest. We make sure advice is made using accurate and complete information and that the analysis is thorough and as accurate as possible.

Plus this Limited Time Bonus: Monthly LIVE TRAINING “Ask the Expert” ($1800 Value)
Get your most pressing questions answered by me and my team and learn how to make the best financial choices and get the financial peace of mind you’re looking for.
Total Value = $2,991
Yours Today = $597 Only $397
Savings of > $2,500!
>>>Get All 21 Fiduciary Designed Classes<<<
>>>Put Yourself Back In Charge Of You Finances<<<
30 Day No Questions Asked Guarantee!

"Our only regret is that we have not been using this method of planning for our entire careers..."

"We lost a lot of money after 9/11 and now never lose sleep wondering if a catastrophic event will cause the stock market to crash,causing us to lose our retirement money. Our only regret is that we have not been using this method of planning for our entire careers. Thank you Denver for being on the radio so I was able to find you."
Peggy Mattrey

"Denver is a knowledgeable professional in the area of retirement planning..."

"Denver is a knowledgeable professional in the area of retirement planning using cutting edge products for growth as well as tax protection."
Tom Howard

"He operates with a high level of integrity and I appreciate his personal and professional approach..."

"Denver makes himself available whenever I need to discuss financial options. He operates with a high level of integrity and I appreciate his personal and professional approach to ensure my financial security.'"
Chance Severns
So Here's The Bottom Line With Wealth For Life Course...

You get 21 classroom style trainings that will walk you step-by-step through the entire retirement planning process from start to finish.

You'll get the worksheets and tools typically reserved for one on one meetings with financial planners.

You'll learn the how the most common financial products really work and how to choose the best ones and ones to avoid.

You'll get to "ask the experts" and learn how to make the best financial choices and get the financial peace of mind you’re looking for.

You will remember, understand and be able to access the course whenever you need to.

You get all of this for only $397...
The Retirement Success Course Guarantee
When I started this letter, I told you how my Mom had lost over $70,000 in the stock market from some bad advice.
  
She was upset, they lied and didn't stand behind the product they sold. My mom tried, but they wouldn't refund her money. It was gone.

I remember feeling upset at how frustrated and sad she was.

Someone took advantage of her. No, someone took advantage of our entire family, and they did NOTHING to make it right.

I decided I would never be the type of person who didn’t make things right with my customers and clients.

So listen, if for any reason within the next 30 days you feel that this course is not what you expected, send an email to support@wealthforelife.net and we will give you a full refund.

I never want you ever to feel bad—that's why I want to put the risk 100% on me. I am dedicated to helping you transform your financial future.

"He has great knowledge and is able to breakdown complex financial concepts so they are understandable and practical..."

"Denver has been great to work with over the past several years. He has great knowledge and is able to breakdown complex financial concepts so they are understandable and practical. He is also very trustworthy. I highly recommend Denver and his retirement planning strategies. "
Rick Florez

"I definitely would recommend his strategies to help out with your financial security..."

"I first contacted Denver from his highly informative radio programs and web site videos. I definitely would recommend his strategies to help out with your financial security. "

Tom Cady

"Great financial advice..."

"Great financial advice and up to date with current tax information to help you keep more of your money."
Tim Manos

"I appreciate his hard work and guidance..."

Denver is very personal and easy to talk with and can help with any financial situation. I appreciate his hard work and guidance."
Rocky Jackson

>>>Get All 21 Fiduciary Designed Classes<<<
>>>Put Yourself Back In Charge Of You Finances<<<
30 Day No Questions Asked Guarantee!
"Denver has an incredible ability of presenting financial information that is understandable, easy to follow within a relaxed atmosphere. After learning the many options of tax free income, this has changed our entire outlook for retirement. I have recommended Denver to many of my colleagues."

Larry Ruggiero
"Denver helped us greatly getting a handle on our retirement plan. We feel very secure knowing what the strategy is and that it will work. Denver explains everything in detail and is available to answer questions about any aspect - and in a timely manner. We had been using differing strategies for quite awhile before meeting Denver. None of them performed well. Now our retirement is secure - only wish we would have met Denver earlier. He is great!! "

Alan Halling
"Several years ago after listening to his radio program, I contacted Denver to review my budget and retirement goals. Denver thoroughly explained his recommendations which I followed. I found him to be trustworthy and feel confident that he will continue to supply worthy information and recommendations in the future. "

June Burt

"Denver has provided excellent service to my family. His knowledge of product far surpasses any one else that I have talked to. "

Kurt Erickson

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