Is My 401(k) Protected or Insured?

This question is on the minds of tens of millions of worried employees as we watch the pillars of our investment world collapse. Questions like: What will happen to my account if you have a Lehman Brother's, AIG, or Merrill Lynch retirement plan? Is my 401(k) investment firm going to fail? Did my employer insure my 401(k) with a fidelity bond? Can I move my investments in light of these events? Are my 401(k) and profit sharing assets safe if my employer goes out of business? are echoing down Main Street.

There is virtually no way to find out the answers to this important information unless your employer is willing show you the plan documentation they signed with the investment firm or your 401(k) administrator will volunteer this information. We have been in the business long enough to know you will get stonewalled at every turn as your retirement assets are left prey to the crumbling financial industry.

In 1974, Congress passed the Employee Retirement Income Security Act. This legislation is an American federal statute that establishes minimum standards for pension plans in private industry and provides for extensive rules on the federal income tax effects of transactions associated with employee benefit plans. ERISA was enacted to protect the interests of employee benefit plan participants and their beneficiaries by requiring the disclosure to them of financial and other information concerning the plan; by establishing standards of conduct for plan fiduciaries; and by providing for appropriate remedies and access to the federal courts.

So think back to when you enrolled in your companies 401(k) plan. Or perhaps to your last 401(k) review with your fiduciary. Were you given the information we will show you below? The truth is, information in the plan documentation that you are not aware of is more vital to the safety and growth of your plan than mutual fund selection, contribution rate, rate of return on fund, fund expense etc. Not having knowledge of your mutual fund specifics may cost your money a few percentage points, not knowing what is in your employer's plan documentation could cost you your entire retirement savings.

The following is a sample of plan documentation summary of a strong American company. It is the plan for Merrill Lynch. We couldn't resist the irony. Merrill along with AIG are two of the largest plan administrators for retirement plans like yours, so we thought it was fitting to show you their own retirement plan. As you can see, Merrill Lynch's $5,500,000,000 in 401(k) assets are protected up to $500,000 with a fidelity bond. And no folks, that��s not per individual account, thatis for the entire plan, or less than 1/100th of 1% of the plan is protected. To put it another way, for every $10,000 of assets an employee has, $1 is protected.

If you had our report, you would notice that the 59,576 participants were liable for expenses of $386,518,518 or an average employee cost of $6,487 per year. These are costs that you will never see in a prospectus or quarterly statement. And remember, this is the plan of one of the largest 401(k) providers, Merrill Lynch, and chances are this plan is superior to the plan the investment firm sold your employer.

Merrill Lynch 2006 Annual Report

      

   

The time is now, for you, the American worker, the individual investor, to learn all you can about what you are invested in. Start with your largest retirement asset, your 401(k), and the documentation that governs it.

We have gone to great lengths and considerable expense to obtain 401(k) plan documentation for almost every United States employer. For the first time ever, we are making these documents available to you, the employee.

When you order You 401(k) investigative report, you receive

1. A copy of your employer's 5500 (plan documents filed with the Department of the Treasury)
2. A tutorial on how to read the document.
3. A report outlining the degree of protection of your retirement money your plan provides.
4. An overview of your rights under the Employee Retirement Income Security Act of 1974.
5. A guide on how to use this information to empower you and your fellow employees in the plan.
6. A list of questions to ask the fiduciaries of your plan.
7. A list of expenses usually hidden to the employee.
8. Free membership to our monthly financial newsletter.
9. A 25 minute exclusive by Bloomberg News on the hidden costs inside retirement plans.

Do you want to be a hero to your co-workers tomorrow? Purchasing this report and spending a little time with it, is absolutely the best 401(k) investment you will ever make!

Only $25

Understanding what $25 dollars is

Lunch for 4 at McDonalds.

1 Night at the movies for 2.

Quarter of your monthly cell phone bill.

Isn't protecting and understanding your money worth this?

Don't let your dreams of retirement be snuffed out.

Order today!