SPECIAL REPORT

6 MORE DANGEROUS RETIREMENT PITFALLS THAT CAN DERAIL YOUR RETIREMENT

This report will reveal the biggest threats to the retirement of your dreams and what can be done about them!

You only retire once, so you need to make it count!

A Personal Message

Dear Friend,

In our previous report, we uncovered six obstacles to an abundant retirement, some known and some unknown. In this report, we continue to identify pitfalls to your retirement and the peace and freedom that should come with it.

The most important thing you can arm yourself with is information—and not just any information, but information that is focused on shifting the balance of power back where it belongs—to you!

After all, it’s YOUR future.

You’ve worked hard, paid taxes and saved for retirement. You really do deserve to live the retirement of your dreams.

So, let’s continue to the process of exposing the biggest dangers so that you will be better equipped to live an abundant retirement.

To your future. “Rule No. 1: Never lose money. Rule No. 2: Never Forget Rule No. 1.” ~ Warren Buffet It Doesn’t Have To Be So Hard

In our last report, I asked, “What holds people back in life?”

The answer, of course, is fear.

That fear is what is keeping you from experiencing so much of what life has to offer. In fact, fear is ultimately responsible for keeping us from getting more out of each and every day, both now and in the future.

We also discussed the dangers of relying on the traditional “three-legged stool” approach to financial independence in retirement (a combination of Social Security, Pension Plan, and Savings).

Before we dive into the six remaining obstacles to retirement, let’s discuss another major retirement mistake.

Major Retirement Mistake: Relying On “Traditional” Planning

The “traditional” approach to some things is still the best way. However, for many things, the “traditional” has become outdated.

In terms of experiencing an abundant retirement, the “traditional” planning approach has definitely not kept pace with the times. Like many other industries (the buggy whip for example), the industry itself is resistance to change, many times because it has its own self-interest at heart.

The financial companies that manufacture the retirement product solutions have a “product first mentality.” It’s like the old Russian saying, “If you have a hammer everything looks like a nail.”

In this case, YOU are the nail.

So, where do you turn for unbiased leadership and direction in order to successfully retire?

• Product pushing salesman disguised as “retirement advisors” who only want to sell you on rolling over your hard-earned money into their “amazing” product? Because many of these so-called “advisors” are trained by the product companies, they try and jam their square peg into every round hole. It’s assembly-line, one-size-fits-all retirement planning. • TV, radio, magazines, and newsletters who only care about getting more viewers, listeners and readers, because they have to kowtow to the advertisers that pay the bills so they use scare tactics or play to people’s greed. • Googling the answer on the internet, filled with so-called “advice” from anyone with a computer and internet connection? >>> • HR personnel at your company not trained in navigating the retirement matrix and so afraid of liability that they can’t answer most of the questions you need to ask? • Someone at the Social Security Administration who couldn’t care less whether you understand your options, let alone choose the best one? • Friends, colleagues, family members who have only retired once and may be ready to offer advice that may have fit their situation, but not yours?

What’s the result? Many have plans that are not custom designed for their ideal retirement, meaning they will fall short of the kind of retirement they deserve. Worse, some have ill-fitted plans fraught with unknown financial dangers.

Poor advice not only impacts your lifestyle, it also impacts your legacy.

The Wall Street Journal recently reported that family money rarely survives generations either. That is where the old saying, “From shirtsleeves to shirtsleeves in three generations” came from, meaning that wealth gained in one generation will be lost by the third.

Family-owned businesses don’t fare any better.

Research shows that 70 percent of family businesses and fortunes evaporate by the end of the second generation, and by the end of the third, that figure increases to 90 percent.1

According to the Family Business Institute, only about 3 percent of all family businesses operate into the fourth generation or beyond.2

Just the thought of your hard-earned money going down the drain when there are options aggravates and frustrates me.

So, let’s get you up to speed with the threats you face…

1 Sullivan, Missy. “Lost Inheritance.” The Wall Street Journal. March 8, 2013. 2 http://www.familybusinessinstitute.com/index.php/Succession-Planning/ Dangerous Pitfalls

Many people who are either retired or approaching retirement may be in less than ideal, even perilous, positions without even knowing it. Some may face a future of “working til they drop” or perhaps worse, running out of money before they run out of life.

Without proper education, some will make “irrevocable” retirement decisions. Wouldn’t you like to know the questions and answers BEFORE you have to make irreversible decisions?

There is hope on the horizon, but first we need to open your eyes to some of the biggest threats to your retirement hopes and dreams.

• Loss of Core Values • Family Disputes • IRS Tax Traps and Penalties • Lawsuits and Litigation • DIYers: Do-It-Yourselfers • Trusting the Wrong Sources For Guidance

Remember, each and every one of these threats CAN be removed with a custom-designed planning process and proper execution.

Oftentimes, uncertainty can lead to inaction. Don’t let inaction rob you of opportunities to improve your financial future.

Albert Einstein once said, “Insanity is doing the same thing over and over again and expecting a different result.”

Sometimes, fear can lead to inaction.

Don’t let fear rob you of the future you envision.

You can move past the uncertainty and fear and into action.

You can live life—every last second of it—on your terms!

>>> “It takes as much energy to wish as it does to plan.”

~ Eleanor Roosevelt Threat #1 1 Loss of Core Values

Will your great grandchildren know your name, let alone know what your believe in, stand for and value? Do you remember your great-grandparents’ names?

It may seem that the idea of the older generations passing down their wisdom, experience and sage advice to their children and their children’s children is outdated.

But, according to a recent survey, people still believe in passing down core values to those who will be following in our footsteps. Seventy-four percent of respondents said that values and life lessons are the most important things to pass along to the next generation.

How about you? Which would you rather pass along… your money? Or your values?

A significant finding of a recent study was that Boomers did not like discussing the one-dimensional topic of leaving an “inheritance” but embraced the idea of leaving a “legacy,” because the latter concept captures more of what really matters in life, such as family traditions and history, life stories, values, and wishes.

Another study confirmed that family history and keeping memories alive receive high priority. In fact, 86 percent of Baby Boomers agree that, “it is extremely important to me that future generations remember my parents and what mattered to them.”3

To most of us, it’s not just about leaving our children with a handsome inheritance.

I once met with a family who had a successful business that the patriarch of the family had started from scratch. He said to me during our initial conversation, “We want to preserve the wealth; we want to pass our money down to our children and grandchildren.”

“Let me ask you a question,” I replied. “If you had the choice between passing down money or values and family unity, which would you choose?”

The wealthy man replied, “Family unity and family values are the most important things for us to pass on.”

He was delighted to find out that you can actually pass on both!

If you haven’t considered yet what you want to pass along to your heirs besides money, now is the time to discuss it with your loved ones.

It’s up to you to make sure your true LEGACY is carried on through your children and grandchildren.

3 The Allianz American Legacies Pulse Survey. Allianz Life Insurance Company of North America. Accessed September 28, 2015. >>>

Threat #2 1 Family Disputes

Nothing seems to tear a family apart quite like inheritance disputes.

A survey of 2,000 financially successful Americans by Barclays Wealth found that 1 out of 3 said their wealth has caused conflict and dispute in their family.4

A perfect example of good intentions gone wrong can be found in an article from Businessweek entitled “The Dolphins Never Played This Rough.” The article began:5

“In November, 1989, two months before his death, Joe Robbie, owner of the Miami Dolphins, moved to keep the National Football League team in the Robbie family ‘for at least the next generation.’ He established a trust whose primary asset was two partnerships that together owned an 88% stake in the Dolphins. When Robbie died on Jan. 7, 1990, at the age of 73, his family's control of the club seemed secure.

“But now, the family is locked in a feud that pits three of Robbie's nine children against six siblings and their mother, Elizabeth. The dispute could force the sale of a sizable share of the Dolphins, one of the most valuable franchises in sports.”

Joe Robbie was a litigating attorney as well as a business owner. You’d think with all that legal and business experience, he would have been able to structure his estate in a way that benefited and blessed his family rather than left them in a bitter feud (part of his issue may have been obstacle #5).

Instead, the article stated, “The structure of the trust and rest of the estate made conflict all but inevitable.” His children reported, “We were put in a difficult situation by our father.” I imagine this is not something most people would want their kids to say about them.

With the prevalence of blended families, in which a surviving spouse is not the parent of some or all of the deceased spouse’s children, this adds a new level of difficulty to dispute-free planning.

Did you listen to American Top 40 growing up?

Casey Kasem, the former radio host of American Top 40, and his estate nightmare are a prime example. His second wife and his children first began the battle over where his body should be buried after his death in June 2014, before extending it to a full-blown legal battle over life insurance money.

4 Skinner, Liz. “Wealthy worried kids will fritter away inheritance.” Investment News, November 15, 2011. >>> 5 DeGeorge, Gail. “The Dolphins Never Played This Rough.” Businessweek Archives. Businessweek, October 27, 1991. Web. In mid-November 2014, just months before her husband’s death, his second wife Jean Kasem and her attorney filed a written statement with the court, charging that her stepchildren had:6

"…single-handedly and irreparably shattered the lives of their father, his wife, and youngest daughter… They are doing so with a professionally orchestrated media and legal campaign that has disgraced their father and vilified their stepmother.”

Those are some harsh words that can never be taken back. And the saddest part is that those disputes could have been avoided altogether with good estate planning.

Discussing your estate with your children while you are still around can help them understand your intentions. Most people agree that this should be an important part of the planning process, and yet it is still the exception and not the norm. A recent survey reported that 90 percent of adult children and parents agree estate planning is an important topic to discuss, but only 19 percent of children and 33 percent of adults say they have actually had detailed discussions.7

Here is an inheritance story with a very different ending.

Frank Sinatra (Ol’ Blue Eyes) was worth about a quarter of a billion dollars at the time of his passing, most of which was tied to the rights to his songs.

Sinatra knew that his second wife and his children did not get along very well. So, thinking ahead, he put in what’s called a no-contest or in terrorem clause. Such clauses are typically used in a will to threaten to disinherit a beneficiary of the will if that beneficiary challenges the terms of the will in court. In short, the in terrorem clause basically said, “If you squawk, you’re out.” He was smart enough to ensure his legacy, his inheritance, and his family’s unity.

This shows you that even for the greatest fortunes, it is possible to keep the family intact and instill a sense of equality and fairness in regard to your estate.

6 Espen, Hal. “The Sad, Strange Family Battle Over Radio Legend Casey Kasem.” The Hollywood Reporter, February 14, 2014. 7 The Family Conversation You Should Not Avoid: How to Discuss Your Legacy. BMO Financial Group, Special Report. U.S. Edition, July 2013. Threat #3 1 IRS Tax Traps and Penalties

The tragic passing of talented 46-year-old actor Phillip Seymour Hoffman was a shock to the world. And now the public is privy to his inadequately executed estate planning.

Do you believe that Mr. Hoffman intended to pay $15 million in unnecessary taxes?

Sad, because he could have eliminated the estate taxes with proper planning.

Are you aware that estate taxes are voluntary? It involves understanding the difference between TAX AVOIDANCE and TAX EVASION. Tax evasion is illegal. Tax avoidance is smart use of the tax laws.

How about hidden penalties in the IRS tax code?

Here is why they are called hidden.

When the tax code began, it was 400 pages long. Today, there are 74,608 pages in the IRS tax code!

That’s either a confusing minefield to the minimally trained… or a veritable goldmine of tax-saving opportunities for the properly trained advisor.

The difference is a little like the new streamlined 1040.

Have you seen it? It’s really simple; there are just two lines, as you can see in the Simplified 1040:

1. How much money did you make last year? 2. Send it in.

Which is a picture of just throwing up your hands and saying, “Oh well, just pay the tax.”

Mark Twain said it best when he said, “The only difference between the tax man and the taxidermist is that the taxidermist leaves the skin.”

Don’t surrender to the tax man. Most people also have no idea that there’s a labyrinth they have to make their way through when it

>>> comes to their IRA and 401k.

Required Minimum Distributions, often referred to as RMDs, are amounts that the U.S. Federal Government requires you to withdraw annually from traditional IRAs and employer-sponsored retirement plans.

What happens if you miss one of those RMDs? “I feel honored to pay taxes That’s going to cost you a 50 percent penalty. in America. The thing is, I could feel just as honored You might say, “Oh come on, how many people miss at half the price.” a withdrawal on their IRA?” – Arthur Godfrey

According to an article from Forbes, it’s a lot more common than you might think. The article says, “Buried in an obscure IRS report is this disturbing fact: On their 2010 tax returns, Americans paid an estimated $5.8 billion in penalties on retirement account withdrawals. (That’s in addition to the regular tax owed on those withdrawals.)”8

Most people don’t even know this is a problem, and yet it’s costing us almost $6 billion dollars a year!

8 Novak, Janet. “11 Ways To Tap Retirement Cash Early, Without A 10% Penalty.” Forbes. Forbes, January 15, 2013. Threat #4 1 Lawsuits and Litigation

You may be thinking, “Lawsuits? I’m never going to be sued.”

According to commongood.org, there are 15 million civil suits filed in state courts every year.9

That’s 288,461 lawsuits filed every week.

That’s 57,692 lawsuits filed EVERY SINGLE BUSINESS DAY!

The target of those lawsuits? Anyone who may have what shrewd attorneys call, “deep pockets.” In the litigation world, “deep pockets” means anyone with money.

Here is a sad, but true, story about an average woman with a little bit of money who became the target of one of those shrewd attorneys:

Great Aunt Ellen was 92 years old and had been widowed for years.

Her nephew needed a car, and she had decided to be nice and lend him money to buy a car. Shortly after buying the car, he drove through a stop sign, hit another car, and the other driver landed in the hospital.

While lying in pain in the hospital bed, the injured driver typed “attorney” into a Google search and hired one.

The attorney did a little digging, only to find that the nephew did not have any money. He kept digging, however, and came upon sweet little Great Aunt Ellen. Long story short, the driver sued her, and the court ruled that she should have known her nephew was a bad driver. She lost her home and all her savings of $932,000.10

After retiring from football, NFL legendary quarterback Johnny Unitas put his money into several different businesses that failed. He was forced to file for bankruptcy (from which he recovered).

Unfortunately, when he died, his son was sued and called a “cheat” by Unitas’ second wife, Sandra Unitas. The Baltimore Sun reported that, “For more than two years, his son, John Unitas Jr. was locked in an ugly legal brawl with his father's second wife for control of the company that he and his father started in 1991 to represent and market the former star.”11

9 http://www.commongood.org/blog/entry/infographic-lawsuits-in-america. 10 Mintz, Robert J. "Searching for the Deep Pocket Defendant." Asset Protection for Physicians and High risk Business Owners: How >>> to Protect What You Own from Lawsuits and Claims, New Strategies for 2011 and beyond. 2nd ed. Oceanside: Francis O'Brien & Sons, 2010. 11-12. Print. 11 Atkinson, Bill. “A bitter son of Unitas quarterbacks comeback bid.” The Baltimore Sun, March 18, 2005. In some cases, there is nothing you can do to avoid a lawsuit.

However, there are a number of things you can do to protect your hard-earned savings.

Don’t you owe it to yourself to do everything you can to protect yourself and your money from the most aggressive pursuers of “deep pockets?”

7 http://www.ntu.org/foundation/page/who-pays-income-taxes. Threat #5 1 Do-It-Yourselfers

One of the more recent barriers to your abundant retirement is something that I call the “DIYers” Do-it-yourselfers.

Shows about DIY (Do It Yourself) projects are all the rage on channels like HGTV. Well, the do-it- yourself trend seems to have made its way into retirement and estate planning.

Chief Justice Warren Burger was the ultimate DIYer.

His family paid $450,000 in unnecessary taxes on a $1.8 million-dollar estate. Almost half a million dollars… sad.

How did it happen? He did his own estate planning.

Was he a smart guy? Absolutely.

But the decision to handle his planning on his own was not a smart one. It was a half a million-dollar mistake.

There’s another trend… semi DIYers. These are folks who have a bunch of advisors, do a lot of research and tweak their own plan.

My colleague’s aunt, a semi-DIYer, provides another cautionary tale.

His aunt was really bright. She was an editor for CBS Publications and oversaw five magazines. She had one of the top law firms in New York City, had multiple financial advisors from the largest firms, but she still wanted to DIY her planning. She was a semi-DIYer.

Let me tell you what it cost his aunt. He was the executor of her estate and he wrote the largest check he’d ever written in his life.

A $1,150,000 check to the United States Treasury. A ton of money that was lost unnecessarily.

Semi-DIY planning costs people and their families a lot of money.

Would you hire a part-time surgeon to perform your heart surgery?

After one of my Private Briefings, a man once approached me and said (a little insulted), “What are you talking about? I handle my own planning. I’ve been doing it for a long time, and I can take care of myself.” >>> “That's terrific,” I said. “How do you do it?” “I made up my mind a long

“Well, I read a lot, and, you know, I research on the internet and time ago, life’s too short to attend seminars like these.” do things for myself that I could pay others to do for “Great!” I replied, “And what do you do for a living?” me and do far better.”

He said, “I’m a COO.” – John Rockefeller

“What kind of company?” I asked him.

“Plastics, injection molding.”

I replied. “Imagine that I told you that I’ve been studying injection molding for some time. I read many books on it, go to seminars and research a lot on the Internet. Would you hire me if I sent you my resume?”

He smiled like you’re probably smiling right now and said, “C’mon, you know I wouldn’t.”

I said, “But if I said, ‘I’ve been studying for a while;’ why wouldn’t you hire me?”

He said, “Well, you don’t have the experience or the specialized knowledge. You need years of experience and I certainly wouldn’t hire you if this wasn’t your full-time focus for decades.”

He had just made my point for me, but I drove it home with, “If you wouldn’t hire me to work at your plant after I read some books and watched some shows on the subject, why do you believe you can handle your own retirement, financial, investment, asset protection and estate planning as a part- time, DIY planner?”

If you weren’t a surgeon, would you perform surgery on someone? I hope not! Stick to your own field of expertise and find a retirement expert to help you plan so that you retire abundantly.

You can read some articles and determine what you think you know, but it’s always a little bigger and more complicated than we imagine. Then it all boils down to what you don’t know—and also what you miss. This creates a “knowledge blind spot.” Knowledge blind spots sound like this: “I don’t know what I don’t know.”

And in fact, you can’t—and that’s okay.

12 TMZ Staff. “Gary Busey Files for Bankruptcy: I'm Really REALLY Broke.” TMZ.com, Febuary 8, 2015. 13 Hamilton, Martha. “What Health Care Will Cost You.” AARP Bulletin Print Edition. AARP, Jan/Feb 2013. Web. 14 Steiner, Sheyna. “Americans racked by retirement fears.” Bankrate.com. Threat #6 1 Trusting the Wrong Sources

According to a recent Gallup poll, Americans' trust and confidence in the mass media "to report the news fully, accurately and fairly" has dropped to its lowest level in Gallup polling history, with only 32% saying they have a great deal or fair amount of trust in the media.

As the years go by, our society is becoming increasingly dependent—and even growing to implicitly trust—news from the media outlets and the Internet.

The Huffington Post put it this way, “Purveyors of financial pornography understand that fear and greed generate readers and viewers.”

In a nutshell, that means that while you think you are watching the news for education, you are really watching strategically picked programming designed to keep you scared and nervous enough to come back for more, believing that somehow their fear mongering is making you better off.

Let me paint the picture even more clearly: All media— whether it’s TV, radio, newspaper, magazine, newsletter, blog—has one purpose.

Their goal is NOT to educate you.

The sole purpose is to get people to subscribe to their magazines, their blogs, or their online subscriptions, or to watch their shows. And they have found that fear and greed are the most effective at increasing their viewership.

We spend so much of our time listening to the advice of people who have no credibility in the areas about which they are speaking. But we’ve become numb to the fact that the world is full of lots of empty words and noise. The Internet, your friends, and the media—they all have opinions about, well, everything.

In the graphic below, the outer circle represents all the words that come flying at us on a daily basis. Inside all of those words, some actual information does exist. Within that vast array of information is buried a single “dot” of wisdom.

It’s out there—but it’s not always easy to identify. In short, it takes a lot of sifting to get to the substance.

>>> 1 There IS a Better Way

We just covered some of the most devastating threats, when you consider the cost of not addressing them, facing you today as you consider your financial future.

What is the solution to neutralizing these threats?

There certainly isn’t one simple answer to that question. No more than there is ONE course of treatment for everybody’s health.

Just like the answer to better health begins with a clear diagnosis based on reliable testing, the answer to a better financial future begins with the same.

The answer is not the cookie-cutter, assembly-line approach being offered by the traditional financial industry.

Have your financial plan “stress-tested” today to uncover your exposure to these threats.

If your current plan has holes and gaps that are costing you thousands, how soon would you like to know?

Facing your retirement planning—in whatever state you may find it—is always less painful than the uncertainty.

Whether you run into all of these threats along the way and allow them to derail you and your dreams, or whether you outsmart them… it’s totally up to you.

You do have the power to experience better results. Your Chance to Gain Greater Certainty – A Special Offer

You must take action to gain greater certainty.

As you already know, information alone will never change your results. Not your fitness, your health, your golf game… or your retirement.

Knowledge may change your thinking – if you are open minded. But not your results.

Action is required to change your results.

Jim Rohn said (as have many, many others in different ways) “Don’t let your learning lead to knowledge, or you become a fool. Let your learning lead to action, and you can become wealthy.”

In your case, right action can help you stay wealthy.

People often ask me, “What action should I take?”

One, review your specifics with a Specialist.

Two, determine which of these pitfalls you are exposed to and how much it might cost you.

Three, craft a plan of action to insulate you and your wealth from these dangers.

That’s why we designed the popular Lifestyle Opportunity Conversation. It’s a no-risk opportunity to assess your exposure to these and other pitfalls, while also exposing the opportunities available to you.

The conversation is complimentary. We’ll give you some valuable insights and get your questions answered without pressure to do anything. It’s our way of adding value first.

Plus, we aren’t sure if we are a good fit for you.

Seem fair?

I would also tell you, “Do it NOW!”

The issues you face today are most likely the same issues you faced a year ago… and they will be the same issues you will be facing when you pick this report up again next year.

>>> Unless you take action today.

And you have my three assurances:

First. There is nothing for you to buy. It’s completely complimentary. It’s our way of adding value first.

Secondly. You will discover where the opportunities exist for you and your family. And we will uncover the known (and hidden) obstacles that are keeping you from living the way you have always dreamed of.

Thirdly. You will leave knowing exactly what you should do next, if anything.

You will experience the peace of mind that comes from certainty.

Knowing for certain you are doing everything you can do. That you are not missing any income, tax or other financial opportunities.

Or, the certainty that there are more options to more fully preserve, protect and pass on your wealth. Picture having greater clarity and certainty.

You have nothing to lose. You can only gain.

To schedule your complimentary Lifestyle Opportunity Conversation, simply call (800) 234–4452 or go to www.DuPontWealthManagement.com\

Warmly,

Terry DuPont

President & CEO Chartered Retirement Plans Specialist (CRPS) Certified Philanthropic Developer (CPhD) Certified Wealth Preservation Planner (CWPP) Tax Planning Coach Family Office Services Lifestyle & Financial GuidanceWealth Management Oversight

PS. This is important. Arguably, the biggest pitfall to your wealth and retirement dreams is not knowing if or how vulnerable your plans are. Please don’t waffle on this. Call us now at (800) 234-4452 Corporate Administrative Offices 8520 Allison Pointe Blvd. Suite 220 Indianapolis, IN 46250 800-324-7206

Executive Offices 800-234-4452 Warsaw Office 4670 W 895 N 523 S. Buffalo Street Roann, IN 46974 Warsaw, IN 46580

BIO

Terry DuPont is founder and CEO of DuPont Wealth Management, a Registered Investment Advisor and Legal Fiduciary firm. He feels it is his moral and professional responsibility to provide leadership and guidance in helping people cut through all the misleading, conflicting information and confusion that’s out there… so they can make wise decisions leading to a life of success, meaning & significance… with an emphasis on wealth preservation and protective growth. Terry says, “At the end of the day, I don’t care what you do… I do care that you have all the best available & appropriate choices to design, control and achieve your own bright & sunny future.”

He works differently than most advisors in that he’s been around long enough to realize that finances don’t exist in a vacuum… and are directly affected by health and relationships. Terry says, “It’s never really all about the money… it’s more about “What Money Means”. He feels it is imperative that his clients are put in a position of assurance that all their financial and personal needs are met with a family touch, and with the highest probability of success… based on principles of common sense, a balanced approach, facts, math and science, not opinions.

Mr. DuPont has attained “Top of the Table” status in the prestigious international Million Dollar Round Table (MDRT). Only 6% of the world’s professional financial advisors qualify for MDRT each year. Of the 39,000 MDRT members from over 82 countries, approximately only 500 qualify annually for “Top of the Table” status. This places Mr. DuPont among the top 1/10th of 1% of all professional financial advisors in the world. Mr. DuPont is a member of the National Association of Insurance and Financial Advisors and the Elite Resource Team, as well as a Lead Advisor for the CPA Plus Network and Managing director of the Advisor Plus Network.

Terry is a Chartered Retirement Plans Specialist, Certified Wealth Preservation Planner and Certified Philanthropic Developer. He is a much sought-after speaker, author, founder of Blue Ocean Consulting, an advanced strategic planning firm, and DreamCatchers Initiative, a non-profit personal & business leadership & development curriculum, utilizing new world cultural teachings and breakthrough thinking. For additional resources contact: Terry DuPont 800.234.4452 [email protected] 523 S Buffalo Street Warsaw, IN 46580