If you're like me, you want to do things right. You want to make the smart decisions today that will pay off tomorrow.

So you make the conservative investments, you plan and you save. Most importantly, you do the things you've been told are wise moves: you accelerate paying off your mortgage by paying extra every month, and you contribute as much as you can to your qualified retirement accounts.

Unfortunately, conventional wisdom in this case is dead wrong. But unless you keep reading you won't know you're making fatal mistakes until after you retire - when it will be too late.

Paying off your mortgage is the smart thing to do, right?

Maybe not. In August of 2006, the Federal Reserve Bank of Chicago issued a report saying that Americans are missing out on $1.5 Billion every year because they're making extra payments on their mortgages instead of investing their excess cash.

It seems counter-intuitive, but you can actually have thousands more dollars in your accounts – and even be able to pay off your mortgage sooner – by using the strategy I'm about to reveal.

Then again, you may decide after hearing what I have to say that you don't want to pay off your home – even after you retire. Of course, owning your home free and clear is the goal of most Americans. But is this the safest position to hold?

You may be surprised to learn that the Journal of Financial Planning (trade magazine for Certified Financial Planners^®) said in a 2004 article “We show under realistic circumstances, investors with mortgage debt can outperform investors with no mortgage debt.” They go on to say there’s less financial risk with this approach, than with a free and clear home.

How can this be? And does it mean that you should stay in debt up to your eyeballs? Of course not.

But my simple strategy – which is based on sound principles like the ones quoted above – will add tens of thousands of dollars to your holdings and give you unshakable security if you implement it correctly.

And when you realize how simple and effective it really is, you'll wonder why everyone isn't planning for retirement with this type of strategy.

As I said earlier, you don't need to make wild, drastic changes to your financial plan. But I've discovered three simple, reasonable adjustments you can make that will transform your entire financial picture – and put you on the path to a very secure and well-funded retirement.

In fact, if you make them correctly, my Three Simple Adjustments will give you more peace of mind than you ever thought possible. Because you'll know that even if the worst should happen, you're in a position to ride out any financial storm that could come your way.

In my brand new 3-DVD workshop, Ken Stone Presents Three Simple Adjustments: How Optimizing Your Assets Will Secure A Better Retirement, you'll discover:

My strategy will not drastically change your financial plans, or your monthly budget. In fact, it can be accomplished with the exact same monthly expenditure.

But it will revolutionize your results!

I'm so glad you asked!

As I mentioned in the video above, my name is Ken W. Stone. I'm a mortgage lender in Fort Collins, Colorado. Since there are about 400,000 lenders in the US, that’s not very special.

But since I’m passionate about making a difference in my clients’ lives, I pursued and received these additional designations:

Fewer than 200 people in the United States have this combination of credentials. In fact, here in my home state of Colorado, only two other people share all of these designations.

What does this mean to you? It means that I've spent a considerable amount of time, energy and resources becoming an expert in the subject matter of this DVD workshop.

It means that when I say my strategy can significantly improve your spendable retirement income without changing your current monthly expenditures, you can be confident that I have the skill, training and experience to back it up.

When you order Three Simple Adjustments: How Optimizing Your Assets Will Secure A Better Retirement, you get:

Plus, if you order now you'll also get the following bonuses:

You'll also get these additional bonsues:

Now, you can get personalized step-by-step instructions on how to implement each of the Three Simple Adjustments in your own life. Because our Platinum package also includes:

The detailed workbook delves even deeper into the material presented on the DVDs, and gives example after example to show why they are so sound.

And, it's an instant download – so you could be on your way to implementing these strategies, and securing a more prosperous retirement in the next 3 minutes!

In my workshop, I'll show you several side-by-side comparisons that show how these Three Simple Adjustments resulted in thousands of dollars in additional earnings when utilized.

I'll show you how this strategy will result in rock-solid security, even if the worst of financial, natural or man-made disasters come your way.

With the Platinum Package you also get these amazing bonuses:

What do you think a strategy like this with all these bonuses would be worth to you?

To be honest, it's really priceless. No amount of money can touch the feeling of being hit with calamity and knowing you'll be OK. Of sleeping peacefully at night because you know your retirement is well funded. Of having unlimited phone consulting time with me to ensure that you understand the entire plan and how to successfully implement.

As you can imagine, I'm very passionate about this strategy. About helping people take charge of their retirement income. I believe in the principles I'm teaching enough to live by them myself. And I absolutely thrive on seeing them benefit others.

Which is why I'm willing to make this incredible offer. You get:

Others charge thousands of dollars for programs such as this. But you can own our entire Gold package now for Only $197 (total package value of $1,918).

But wait! You can still get step-by-step instructions on implementing my Three Simple Adjustments – and have them within the next three minutes!

You can own the entire Platinum package for Only $995 (Total Platinum Package Value of $8,965).

My name is on this workshop, and my reputation is very important to me.

But above all, I know that my Three Simple Adjustments will dramatically impact your financial future. Which is why I'm willing to make this dramatic guarantee:

Once again, you have absolutely nothing to lose, and a secure, well-funded retirement to gain. Not to mention the better sleep you'll get when you can stop worrying about retirement once and for all!

I look forward to helping make your retirement dreams come true!

Sincerely,

Ken W. Stone, RMA CMPS^®

P.S. –– I haven't even talked about one of the most valuable BONUS sections of the DVD where I'll teach you how to optimize all the assets in your life. Please let me know how your life has changed after you go through this section of the DVD and the workbook. I can't wait to hear from you!

P.P.S. My time bills at $350 an hour, and my private practice clients invest $1,400 to $5,250 for the advice I've put into this valuable, easy-to-watch-and-read-and-implement DVD and Workbook. You get all of the most valuable, profitable pieces of what I do for my clients in this DVD and Workbook. Give it a look. All the risk is on me. Get it now.