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Judge Learned Hand said, "Anyone may so arrange his
affairs so that his taxes shall be as low as possible." He
also said, "There are two systems of taxation in this
country… one for the informed and one for the
uninformed."

With the trillions of dollars invested in qualified plans
(401(k)s, IRAs, etc.),do not be surprised if they become
targets for extra tax revenues. Now might be a good time
to learn of the potential unintended consequencesof the
qualified plan. Keep reading.

Chapter 6: Cash is King, and Cash Flow is Queen

Congratulations! You made it to the final chapter.
Thanks for staying along. Throughout your life, you will
earn many financial decisions. In my experience, people
often make financial decisions independent of each
other, creating fragmented decisions without an
economic model.Doing so can lead to what we call the
"financial junk drawer," filled with a bunch of inefficient
and uncoordinated products.

The first order of business is to coordinate your assets
to improve efficiency. Next, integrate the assets support
so they might work harder for you and increase the
amount of money supply. The integrated strategic
processis missing from most plans.

Some people with large sums of money in their accounts
are afraid to spend it because they fear running out of
money or needing the capital in an emergency. In many
ways, I understand this and empathize with them. When
one works all one's life to build assets, one can become
paralyzed with the fear of running out of money.

Before you do anything outside of building a financial
wall of protection around you, your family, and your
assets, you need to have liquidity. Byhaving immediate
access to capital for emergencies and opportunities, you
avoid setbacks due to unexpected events; you can also
make up for the lost time when purchasing assets at a
considerable discount.

Cashflow is Queen, and cash is king. It would help if you
seized opportunities when a short window opens for
you, and no one has immediate access to capital. This
might allow you to buy assets for pennies on the dollar.

By the way, you do not need to sock away all your
liquidity in no/low interest-bearing vehicles. There is
another way.

The process of creating wealth needs both an offense
and a defense. Between the two, the reason is much
more important than the crime is. Too many people
concentrate their financial lives on the crime
(accumulation) and ignore the defense (protection: life,
liability, disability, estate, liquidity, etc.). It would help if
you built a financial wall of protection around you, your
family, and your assets that virtually nothing can
penetrate before you focus on the offense.

We have discussed the many challenges of planning for
your financial future. It is essential to build a foundation
for your critical living needs, such as housing, food,
transportation, clothes, utilities, insurance, etc. We
suggest that your essential living needs are achieved

with predictable, guaranteed income.

I am a retired officer from the military, and if you ask
anyone who receives a pension check, many will say it
might not be all they want, butworst case, it covers many
or all of their essential living needs. Many people accept
less money to serve in positions offering lifetime pension
checks.

I have yet to meet someone who would give up their
pension check for a pile of money that they would have
to invest in the stock market to create the same
paycheck.

Guess what? We can create as many pension checks
as you want without working for a company that offers a
pension. I want as many pension checks as I can make
(at least 15 or more).

The very foundation of many plans is entrenched in the
stock market, and over the last 17 years, many people
are moving sideways or backward with enormous
portions of their capital. We suggest taking some time to
evaluate and learn about different hedging strategies.

Before concluding, I need to point out what is known as
an accredited investor. In the United States, for an
individual to be considered an accredited investor, he or
she must have a net worth of at least one million U.S.
dollars, not including the value of one's primary
residence, or have an income of at least $200,000 each
year for the last two years(or $300,000 together with his
or her spouse if married) and expect to make the same
amount this year.

If you are an accredited investor based on the above
definition, there is another level of investment
opportunity available to you. Each opportunity requires
verification of accredited investor status before releasing
materials on the different investment opportunities, such
as lifesettlements, institutional-grade real estate, oil, and
gas, to name a few.Please contact us if you qualify as
an accredited investor to learn about the various
opportunities available.

After my book, people often start asking me about
products and I chuckle. Answer this question, and you
will not chase yields. WHAT IS YOUR WHY? Why are
you investing in the first place? I cannot wait to ride my
Trek racing bike in Montana next spring and pretend like
I amin the Tour de France or purchasing a tour bus fully
loaded like the country and western singers. Oh yeah, I
never want to retire, and I will not wait for some arbitrary
age to do the things I enjoy. My list is different than
yours, but my investment goals are not to beat the
market but to obtain the ideals that make me happy.
What is the point ofchasing the market, bouncing from
one advisor to another in hopes of building a nest of
eggs that you are too afraid to spend, or worse, you run
out of money because you did not handle the distribution
phase properly.

Be sure to work with a holistic Retirement Income
Planner and start optimizing your plan today!

Let us build an Economic Philosophy to enhance your
lifestyle and help us avoid unnecessary perils. Here is
my Economic Philosophy

1. Build a financial wall of protection around you and
your family that isvirtually impenetrable.

2. Liquidity to address emergencies and seize opportunities.
3. Create guaranteed and predictable income to

cover my essentialliving needs and most of my
wants.

4. Pursue a long-term growth strategy with the
reduction of hedgingstrategies to reduce
unnecessary losses.

5. Evaluate hedging strategies.
6. Strategies in numbers 4 and 5 are for Accredited

investors andshould contact us immediately for
more information.

Wall Street can no longer parade around in sheep's
clothing, decimatinginvestor's hard-earned capital. The
system is EXPOSED!

We want you to be aware of your options. After all,
how can you say 'yes' or 'no' to ideas you do not
even know to exist?

If you just got to have one tip – I have seen the future,

and it is here. Seventy-eight million baby boomers all
needing and wanting pretty much the same thing by
2031. All the baby boomers will be 65 years old and
above. I have no recommendations, but in my opinion,
the greatest hockey player of all time was Wayne
Gretzky. He said, "Most players skate to where the puck
is; I skate to where the puck is going to be."

Watch for emails from me over the next month or so.
They will come from [email protected].

I will share additional "insider's information" and
resources, such as hand-selected articles, videos, and
interviews.

George Forman said it best "it's not what age you retire,
it's at what income."

Thanks for taking the journey, and be sure to read this
book in the next 24 hours and schedule your 15-minute
telephone chat.

PS If you are a Federal Government employee and
respond to our offer for a phone chat in the next 72 hours,
you will be eligible to have a federal benefit report free of
charge.

Thank you for sharing your most valuable commodity
with me – YOUR TIME.

About the Author

Tony Brayboy is the founder and
principal of Matrix Wealth
Management, LLC, and a retired
Army Officer. Tony is a graduate of
Georgia Military College, and he
received his master's degree in
Administration from Central
Michigan University. He is the
a u t h o r o f E x p o s e d and the co-
author of Exiting the Matrix: How
Conventional Wisdom is Ruining Your Financial
Future. Tony has over 25 years of experience.

Visit us at www.matrixwealthllc.com