How to Invest Your Hard Earned Money Keeping it Safe from Losses, Fees, and Inf lation

CHAD OWEN and his wife Leilani are proud parents of four children. As the host of the Safe Money Radio show and a nationwide presenter of safe money concepts, Chad has enjoyed helping people all across the nation protect their retirement money. “Over the years I have helped people protect millions of dollars in retirement assets and not one of those people have ever lost a penny from market downturns. There is some-thing truly wonderful about being able to help people have peace about their fi nancial future.” Chad is able to sleep at night with the comfort of knowing his cli-ent’s retirement funds are protected. It is his desire to give you that same peace of mind.

Find out more about Chad and Safe Money concepts at: www.EagleShadowFinancial.com

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Presented by

Chad Owen

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Safe Money How to Invest Your Hard Earned Money; Keeping it Safe From Losses, Fees and Inflation

We attempt to provide current information about safe money topics. Visit our "safe money" website at: www.annuity.com/safemoney

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Copyright © 2011-2012 - GVA, Inc. All rights reserved Reproduction or translation of any part of this work beyond that permitted by Section 107 or 108 of the 1976 United States Copyright Act without the permission of the copyright owner is unlawful. Requests for permission or further information should be addressed to the Permissions Department, 877-797-0893. This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the author or publisher is not engaged in rendering legal or accounting services. If legal advice or other expert assistance is required, the services of a competent professional person should be sought. Printed in the United States of America

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Table of Contents Introduction 3

Chapter 1 Your Individual Plan 7

Chapter 2 Safe Money Option, The Banks 14

Chapter 3 Investing in US Treasuries 26

Chapter 4 Insurance Companies 31

Chapter 5 Annuity Basics 40

Chapter 6 Annuity Secrets 53

Chapter 7 Mutual Funds, Bonds, and Stocks 65

Chapter 8 Inflation, Our Enemy 72

Chapter 9 My Secret 77

Chapter 10 Critical Tips for Investing 89

Chapter 11 Suitability 95 Chapter 12 Fees Expenses Commissions 99 Chapter 13 Critical Tips 103

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