Steven R. Selengut

I have been a private investment portfolio manager for 50+ years, 44 of those managing as many as 300 individual investment portfolios around the USA and some overseas. When I sold my business in 2023, I had more than 110 million under management for around 140 clients. Of the top selling investment book authors on Amazon, only two were professional investors and NONE ever directly managed other people's money. In fact, there aren't a whole lot of private portfolio managers out there, and fewer that can claim they will treat you differently from what they are doing for everyone else in terms of content, trading, selection criteria, income production, etc. We are in a model portfolio management, one size fits all, low-income production environment. But you don't have to stay there. I wrote "Retirement Money Secrets" to show you how I routinely generated more potential spending money for my clients than they needed, year after year, for decades. I was able to reinvest nearly half of that income to constantly grow the next year's production. There are samples in the book, and links to people you can chat with about the process and its potential. You can achieve income independence while still owning all the all dividend stars and market heroes that you hear so much about. But you will be using packages of securities, stocks and bonds, that in 2023, were paying nearly 10% of in-your-pocket income. I will teach you the process and lead you step by step down a six principle road leading to financial independence. How does 9% tax free from your ROTH IRA sound to you? How much money would stock shareholders receive if companies were required to pay them even 50% of their realized earnings? The securities you'll learn about are pass through trusts that must pay out 95% of their realized earnings! No joke. And these are not new kids on the block. They have been around decades longer than Mutual Funds and more than a century longer than ETFs. The approach you will learn will put you in a position to say with the utmost confidence: "Neither a stock market correction, nor rising interest rates, not even a pandemic, will have a negative impact on my portfolio income. In fact, any of these conditions will present me with opportunities to grow my income even faster." Most 401(k) programs produce less than 3% income. I'll show you how to transition to a more income productive environment. The approach you will read about in: "Retirement Money Secrets: A Financial Insider's Guide to Income Independence" will teach you how to get there regardless of what is going on with the stock market or interest rates.