Steve Cunha - Crash Proof Wealth

ABOUT THE AUTHOR

Steve Cunha grew up in Shelton, Connecticut, as the eldest of siblings with his younger sister Sharon and brother Jon. His dad worked two jobs, and his Irish immigrant mom was home bringing up the kids. Steve fondly recalls them piling into the family station wagon to go on ski trips in the winter and camping trips in the summer. He and his family always had hand-me-down ski gear and camped with only a tent until they stepped up to a pop-up camper. Despite this, Steve lovingly says, "We never had the best gear, but we always had the best time together out in the fresh air!"

In his free time, Steve loves to take his wife on dates to new restaurants, travel with his family, and tries to keep up with his two kids by staying fit. For Steve, having a balanced life that includes working hard, staying healthy, and taking care of his family and clients is his topmost priority.

Steve has been named a Top 100 Retirement Advisor by multiple financial industry magazines and has been a featured speaker for the Financial Planning Association and the Boston Tax Institute. He has appeared on Wall Street Today, filmed in New York's Times Square and aired on CNN, CNBC, and Fox News. Steve gives back his time and money to multiple causes that support Financial Literacy, our Veterans, children, and pitbulls.

What is Crash Proof Wealth?

Say goodbye to the worn-out advice that has you on a financial roller coaster. Contrary to what the Wall Street media machine promotes, you don't have to risk losing your hard-earned money to grow wealthy. There is a simple and clear plan to grow wealth with peace of mind. This book will give you the blueprint of how to do it.

Here's What You'll Learn From This Amazing Book:

Create Retirement Income You Can Count On: When will you run out of money in retirement? Most people have no idea. Learn how to create cash flow to last the rest of your life.
How you can use the same growth strategies of the ultra wealthy?
Why the world's first Billionaire John D. Rockefeller said, "If I had to give any advice, it would be to keep out of Wall Street."
Know the Truth about 401(k) taxes and fees that could end up costing you tens of thousands.
Financial Gurus Exposed: Does Suze Orman practice what she preaches? Does "Mad Money" Cramer's advice work?
How to "Finance Yourself To Wealth" and reduce or eliminate interest paid to banks and credit card companies.
Grow Your Money: How to get potential double-digit growth on your money during good years, but never lose a dime in the stock market when it crashes.
Don't Trust Washington Politicians to Lower Taxes: Take control of your tax liability by putting yourself into a Zero Percent Tax Bracket in retirement.
Protect Your Money: Never lose money again during market crashes or corrections due to economic recessions or catastrophes.
Outpace Inflation: Bank accounts and CDs aren't even keeping up with inflation. Learn strategies to safely grow your money at a rate that outpaces inflation so you aren't losing buying power.
Alternative to 401(k)s and IRAs: Maintain control and access to your money throughout your life without all the red tape of government qualified plans.

“Successful retirement is defined as a stream of income sufficient to sustain your chosen standard of living.

That standard of living is measured by income not the value of a pile of money.”

The Lump Sum Illusion

"What we need to be focused on is creating an INCOME not just a lump sum."

“There’s a big difference between wealth and income.

Knowing I have a million dollars doesn’t tell me the lifestyle I can enjoy from that million. What we care about is the lifestyle.

So you can forget fund values, income is all that matters. Just knowing how much money you have doesn’t tell you how you can live. You need to know how much you can buy.

The primary concern of the saver remains, what it always has been: Will I have sufficient income in retirement to live comfortably?”

— Robert C. Merton

Protection Risk

An untimely death or accident can create additional stress and financial pressure on our closest loved ones if we don't plan ahead.

Market Risk

A single 20% or 30% market crash can not only hurt your account balances, but it can cause you to run out of money years sooner.

Tax Risk

CPA and Tax Expert Ed Slott says “Taxes are a larger risk than market crashes.” If you have all your retirement income in qualified plans like IRAs and 401(k)s that require you to pay taxes when you take the money out, you have a huge tax liability.

HEALTH CARE RISK

Statistics show that long term health care costs can be the largest expense in retirement. What have you done to protect your nest egg and your family from being hammered by this expense?

INCOME DEPLETION RISK

Will your nest egg provide enough income to give you the retirement you want, for as long as you live? Most people have no idea.

LONGEVITY RISK

Longevity is the great RISK MULTIPLIER. Do you know how long you will live? Hopefully a long prosperous life. Longer life spans multiply the likelihood of each of these risks happening to you.

RECEIVE A COPY OF MY NEW BOOK

“CRASH PROOF WEALTH”