Dr. Craig A. Ponder Sr., Ph.D., CEA, is America’s Financial Wealth Coach™, Wealth Strategist, Certified Estate Advisor, World-Renowned Financial Expert, and best-selling prolific author. Dr. Craig is a highly sought after international speaker. He has invested over 18 years consulting and coaching thousands of Americans, Home Owners, Teachers, Baby Boomers, Seniors and Pre-Retirees (Age-28-62) on “How To Grow Their Wealth Every Year No Matter What Is Going On In The Stock and Real Estate Markets!” In those 18 years not one of Dr. Craig’s clients has ever lost a penny of their retirement or college savings money!

Dr. Craig is the author and creator of the Stop Losing Money™ Book, Stop Losing Money Course,™ Stop Losing Money Financial Workshop™ and the Are You Financially Prepared Financial Assessment.™  Dr. Ponder has two Doctorates; one is a Doctor of Philosophy (Ph.D.). He also holds a designation as a Certified Estate Advisor (CEA).

Dr. Craig and his wife Darlene currently reside fulltime in the exclusive private mountain resort community of Lake Arrowhead, CA. Their corporate office is located in the beautiful North San Diego County coastal community of Carlsbad, CA. They have three adult handsome sons Robert, Craig Jr. and Matthew, one daughter-in-law Christina and two grandsons Nathaniel and David. Dr. Craig and his beautiful wife Darlene have been together since he was 19 years old or over 29 years now. They have been in business, ministry and married for over 23 years. In those years Dr. Craig and his wife Darlene have successfully started, owned and operated over 14 businesses and their mandate is “Empowering People to Possess Their Wealth."

DO NOT Pay Another Mortgage Payment or Fund Your Investments or Retirement Accounts One More Day Until You Have Discovered What the Banks, Lenders, Stock Brokers, Corporate America and the Government (IRS) Doesn’t Want You To Find Out!

 

 

America is in a retirement crisis! Can you afford to retire? If you lost everything to a stock market crash, or if your employer defaulted on their retirement promises and obligation to you through congress-approved methods after you have possibly spent the past 10, 20, 30 or 40 years of your life funding your own 401(k), 403 (b) or Employer Sponsored “Qualified” Retirement Account, could you afford to start over again? Better yet, would you want to start over again?

 

I don’t know if you realize it or not, but your future, the right to retire, and your money that is in Employer Sponsored “Qualified” Retirement Accounts and Traditional Tax Deferred Retirement Accounts is under violent assault. If you don’t begin to defend your financial freedom the storms of taxation, congress, and corporate greed will ultimately destroy you!

With the billions of dollars that have already been lost due to the mortgage sub prime mess, it has caused major bank failure, massive stock loss, and job lay offs - which will continue for years to come, create massive corporate scandal and cover up.

The bad news is that THIS TIME it will be YOUR MONEY! Money that has taken you years or a lifetime to accumulate can be lost in a moment by no fault of your own! Your greatest assets are in jeopardy and I have INFORMATION that will help you protect it, multiply it, and privatize it from the Corporate Predators, Government, Congress, Media, Fee Based Brokers and the Market itself!

““If we know that the Biggest Stock Market Crash In USA History Is Still Coming then why do you continue to put your Investments, IRA’s and Retirement Money (whether personally or through your Employer Sponsored Retirement Accounts) directly into the Stock Market?" ”

Rich Dad’s Prophecy,
Robert T. Kiyosaki with Sharon L. Lechter, CPA
the Author’s of Rich Dad Poor Dad

 

If you own any type of Traditional Investments, particularly a 401(k), 403(b), CDs, IRAs, Mutual Funds or Money Market Accounts, you plan to retire within the next 0-15 years that will last at least 20-40 years, and you’re tired of losing money in your retirement accounts, then it's vital that you don't lose 35% to 85% of your retirement accounts value. You need to do something about it NOW before it’s too late!

You need to know how to recession-proof, market-proof, and media-proof your assets now - before it’s too late! What have you done and/or what are you doing to deal with these problems? Inflation and taxation will be two other major problems to deal with later!

If you are a Home Owner, you have probably already lost 35%-60% of your homes equity and with the countless foreclosures the value of your house has probably already depreciated. With the anticipated 12 Million record foreclosures still to come, it will continue to depreciate!

In the January 2009 issue of USA Today, the article “U.S. homes lose $2 trillion in value in '08” stated, “Over $2 Trillion Dollars of home equity had already been lost just within the last six months.”

“STOP Losing Money!” There are things taking place in the history of our country that have never taken place before; never together and all at the same time. If you don’t want to have to work until the day you die or you don’t want to outlive your income, then you must act now. Act now, before the market changes too much. There is NO CORRECTION that can help, just time that you may or may not have in your lifetime!

Right now, over 78 million Baby Boomers have started to retire and most of them have all of their retirement money directly in the stock market. With the current housing market at an all time low, the countless foreclosures, the anticipated record 12 million foreclosures that are still to come, and the constant down sizing and job layoffs by Corporate America, your greatest assets are in jeopardy. Learn how to become FINANCIALLY PREPARED before it's too late.

Are you Financially prepared for Retirement?

Take the $10,000 Challenge

Isn't it time you Stopped Gambling with your financial future, by assuming that you might have one?

 

 

Client Testimony

 

Are you Financially Prepared for 2011?

Why Your Retirement Security is at Risk:

 

For one thing, people do not save enough for retirement. But apart from that, other factors put the retirement security for millions of Americans at risk.

Americans are living longer – For many, a lot longer than they projected when they were saving for retirement. The life expectancy of a 65-year-old is close to age 83, more than four years longer than in 1960. In fact, half of all retirees will live beyond average life expectancy. And unprecedented numbers will be living into their 90s and past 100. - WebMD Health News

The possibility of living longer compounds the challenge. Retirees not only need to save more, they also need to convert their savings into a stream of income that will last 20 to 30 or more years. This is why experts say the biggest financial risk retirees’ face is not knowing how long they will live (i.e., longevity risk). – Dr. Craig A. Ponder Sr., Ph.D., CEA

Americans are spending more time in retirement - Not only are we living longer, we’re retiring sooner than previous generations. The average age of retirement today is 62 years old. - SeniorJournal.com

 Click to Watch PBS Video, “Can You Afford To Retire?”

““New York Times and Best-Selling Author and Wealth Columnist for Sucess Magazine, Marian Snow, and Wealth Strategist Dr. Craig A. Ponder Sr. Ph.D., CEA, have teamed up to help solve America's Retirement Planning Crisi"

Marian Snow,
New York Times Best-selling Author and Wealth columnist for Success Magazine

“The level of thinking that got you into a thing, is not sufficient to get you out ”

"The definition of insanity is doing the same thing again and again without change and expecting a different result"

Albert Einstein

 The INFORMATION that I will be sharing and discussing with you at the Financial Workshop CAN CHANGE YOUR LIFE FOREVER, if you choose not to procrastinate and take advantage of the information so RSVP today.

I have created a 2 - Step Process that is :

• SIMPLE
• RELATABLE
• ANYONE CAN DO It!
• It Is Also AFFORDABLE!

Step # 1 - Register and Sign up to RSVP for the Next Financial Workshop

Step # 2 -Take the $10,000 Challenge!

When you go to register and sign up for the Financial Workshop make sure to select the 100% Money Back Guarantee option when you RSVP to attend the Financial Workshop.

Space is limited and you need to reserve your seats now, once we've maxed out the seats registration will be closed!

I do 100% Guarantee that this Financial Workshop will improve your overall financial situation by at least $10,000 or I'll refund 100% of your registration fee and STILL give you the FREE offers. How is that for fair?

This extensive COMPILED FINACIAL ASSESSMENT has never before been made available to the general public until NOW! It is GUARANTEED to show you if you are FINANCIALLY PREPARED TO RETIRE or if you can STAY RETIRED!

Previous seminar attendees have paid over $2000.00 for similar information that I will be offering you at a fraction of that cost, including the 100% money back guarantee.

You MUST know for sure if you are financially prepared, because when you get to the end of your life, you won’t get a second chance to start over again?

Now take the first step and Register today!

You have nothing to lose because it is backed up by my personal 100% Money Back Guarantee Offer!!!

Ask Yourself The Following 6 Questions?

FACT: Did you know that you can just about borrow money for everything in life except for one thing, YOUR RETIREMENT!

The following article was published on May 27, 2009 by MSN Money:

America's Looming Retirement Crisis
“Insufficient savings is just part of the problem, experts say. When traditional pensions were jettisoned, so was the assurance that money would last until death.”

"Our nation's system of retirement security is imperiled, headed for a serious train wreck. That wreck is not merely waiting to happen; we are running on a dangerous track that is leading directly to a serious crash that will disable major parts of our retirement system."-- John Bogle, Feb. 24, 2009

“As America’s Financial Wealth Coach™ my calling in life is to INFORM YOU and to provide you with INFORMATION about why you need to do something different other than just following traditional advice or wisdom, because I realize that after 18 years no one else is going to do it? Can you afford to just keep doing what some financial professional has told you to, without having anyway of validating that their advice or knowledge is right for you not only now, but more so in the future? Haven’t you heard the old saying, “the blind leading the blind.”

Councilman Jack Feller

Oceanside, CA Councilman

Ribbon Cutting Celebration of  Dr. Ponder's North San Diego County Office

 

ATTENTION: TEACHERS, BABY BOOMERS, SENIORS, CHRISTIANS AND PRE-RETIREES (Age 28-62)

 After attending my LIVE “Hands On” Financial Workshop How Would You Like To Learn How To:

• INCREASE your Retirement Nest-Egg 25-50% GUARANTEED?
• Regain SOME, if not ALL of the money that you lost in the Stock Market?
• Not Have To Work Until the Day that you Die?
• Protect ALL your Assets from a Lawsuit, Judgment or Creditor?
• Add an EXTRA $500K - $1 Million to your Retirement Nest-Egg?
• Increase Your Financial IQ!
  

I would like to ask you two serious questions?

QUESTION #1

Are you Financially Prepared for Retirement? If so how do you know? How long can you afford to stay retired? Who told you so, where did you get your information and what makes you think that you are prepared?

Statistic:

• More than 60% of Americans live longer than they expected. At age 65, women can expect to live to an average age of 85 compared to men at an average age of 82.
  

• Retirement Survey 2005 – “A majority of retirees said their BIGGEST MISTAKE in planning for life after work was failing to invest in TAX FREE accounts.”

--Putnam Investments Retirement Survey 2005

 

Fact: Have you ever wondered why you can’t touch your Employer Sponsored “Qualified” Retirement Account until AFTER age 59 ½, but the companies CEOs and corporate executives (who are not just employees like you, but are officers) can exercise their rights (corporate rights and privileges) at anytime to sell their shares or stock options? Congress could have given you the employee the same right, but they chose not to.

Fact: Would you like to know why you aren’t financially prepared to retire? It is an unspoken rule in the financial industry, that unless you have an investment portfolio of at least $2 Million or more or an estate valued at $5 Million or more, most financial planners won’t share certain information with you?

For this reason alone YOU ARE NOT receiving the right INFORMATION and you are not being EDUCATED on how to obtain, create wealth and protect not only your assets, but also your estate!

Fact: Since 2003 several of my colleagues are calling me CRAZY the reason is, because my Firm made a decision to reveal the same Secrets, Strategies and Solutions that are normally only revealed to the Super Rich and the Affluent with Investment Portfolios of $2 Million Dollars or more or an estate valued at $5 Million or more, who also pay an annual Money Management Fee of 1-3 %, have also paid a $5000 - $8500 Initial Financial Review Fee and are willing to pay all of the necessary fees to hire a team of Attorneys, Tax Specialist and Financial Experts!

CALL ME CRAZY, but I am going to try and help as many American Families as I can before the rules change again that STOP me from doing so!

QUESTION #2

Now I would like to ask you another serious question that you have probably never been asked before? Would you like to be able to retire beyond you or your generation? Would you like your family, legacy or favorite charity to continue to benefit financially after your life? If so what have you done or what are you doing to ensure that the government does not inherit your retirement money or estate?

Fact: By following traditional wisdom or advice by default you may already be making the government a legal heir entitled to all or the majority of your retirement money and estate and disinheriting the ones that you love or want to benefit financially and you don’t even realize it. After you and/or your spouse die neither one of you will be here to defend or correct this huge mistake! There are Four Phases of Retirement Planning and this 4th phase is the most forgotten or often overlooked not only by retirees, but more so by financial planners, because they DO NOT have a solution for it!

When You Attend My LIVE “Hands On” Financial Workshop I Will Reveal All Four Phases of Retirement Planning and how to master them!

QUESTION #3

Actually I have 3 questions, does your financial planner have or does your current financial plan include a solution to “Disinherit the Government” or will Uncle Sam by default through your lack of knowledge become a legal part of your family?

Stop Putting A Band-Aid on Your Financial Problems!

Even if you have a CPA, Attorney, Mortgage Broker, Banker or Financial Planner or have sought their advice or expertise in the past chances are you feel some level of improvement can be made. We all typically seek the same general objective: to maximize our returns while, at the same time, protecting ourselves from downside risk.

Whose advice is right? Who can you actually trust? All professionals including myself believe that we are right and offer the best advice, but this is not the problem?

The problem is “ALL” the professionals that you consult with, their ADVICE, their INFORMATION, their KNOWLEDGE, their SUGGESTIONS, and their RECOMMENDATIONS are ALWAYS working independently and separately against “EACH OTHER PROFESSIONAL,” because the professionals themselves that you see do not consult with one another on your behalf and this means they NEVER WORK TOGETHER AS A TEAM FOR YOU! So at best you have to try and piece their information together over time!

SIMPLE POINT: If your car needed a new engine installed, would it make sense or would you waste the time to have it towed from shop to shop having one shop look at the motor, pull the motor, purchase the motor, install the motor and then finally tune up the motor? More importantly with this type of piecework who do you think would warranty the installation of the motor? You guessed it no one, because no professional or expert would put their neck on the line for this type of work, but many of them will take your money.

FEES: Brokers and financial planners make their money by charging you fees in exchange for their financial advice, investing or for managing your money. Most of them already know they can not change your financial outcome, because the market is not guaranteed and their strategies are never enough to financially set you free. Then when the market falls, fails, crashes or under performs their fees still stay the same, is that fair?

 Important Fact: Most professionals today are still operating in traditional wisdom or advice, which is based on pre-depression era thinking, which is rooted in fear. They are not AWARE, CONCERNED or OPEN to the many proven strategies that are available to you or for your “over all” situation, because most professionals normally don’t consult with or attend training with other professionals “outside” of their industry, company, expertise, educational background, comfort zone or professional circles. So at best all you have been doing for years is just simply putting a Band-Aid on your financial problems.

Client "Teacher" Testimony

Over 18 years ago I started a Financial Education Revolution by pooling together the best team of financial experts, attorneys, CPA’s, tax specialist, mortgage experts and asset protection specialist and my job has always been and still is to inform you and to educate you so that you will know how to make the right decision that will increase your FINANCIAL IQ.

"Tell me and I forget, teach me and I may remember, involve me and I learn

Benjamin Franklin

Fact: 98% of all of the financial experts, including CPA’s and financial planners and our professors who are teaching or talking to us today about finances WERE ALL TAUGHT by those who they themselves were not rich or wealthy and most of what they know or have learned has come out of text books written by those again who they themselves were also not rich or wealthy, but were taught the basics or knowledge of economics and finances from a hypothetical way and not from actual experience.

Fact: Only 2% of Financial Planners themselves are considered to be rich or financially successful.

Are you Financially Prepared for 2011?

Would you like to Retire in 0-15 years and learn how to Stop Losing Money no matter what is going on in the Stock and Real Estate Markets? ....

There are TWO Ways to attend this LIVE “Hands On” Financial Workshop:

For the date, time and location click below

GUARANTEE and RESERVE Your Seat Now!

SPECIAL OFFER FOR TEACHERS/EDUCATORS”

If you own a 403 (b) or you are a school teacher (Educator) for Rim of the World School District or live within the Southern California’s Inland Empire Area

Proof that you are a teacher or a 403 (b) owner will be required prior to attending the workshop.

Are You Financially Prepared for 2011?

What Other Leaders Are Saying About Dr. Craig A. Ponder Sr., Ph.D., CEA:

"Dr. Craig Ponder and I had breakfast one morning and as he begin to share with me some of his strategies on wealth and asset protection. When he began to share with me that there were only 4 places for someone to invest their money and he explained the 4 different investment options simply and quickly I was impressed, because in all of my years as a wealth builder myself I had never heard anyone else ever explain the 4 investment options so well. My next question to him was do you have any of this written down."

John P Kelly

CEO, LEAD (Leadership Education for Apostolic Development)

CEO, ICWBF (International Christian Wealth Builders Foundation)

Ambassador Apostle, ICA (International Coalition of Apostles)

" This is a great book and resource material for those who are looking for the right combination to opening the transference of wealth into our generation. This book and its financial educational course is revelatory, insightful, practical, and transformational. I highly recommend both the book and the man."

Dr Keith Johnson

Author, Motivational Speaker and America's Confidence Coach

 

You CAN NOT Afford to go into 2011
Not being Financially Prepared!

 

 

Client Testimonials “Craig I’d like to personally thank you and your Advisory Group for what you did for me. You took my existing mortgage and reduced it by $2300.00 a month when the mortgage broker that I had worked with for over 10 years could only reduce it by $500.00 a month. You then restructured all of my investments so that I wouldn’t out live my income and you guaranteed my principal against market lost! Being a single female I can’t tell you how much it means to find someone like you that really care about the people that you work with I just wish I would have found you 15 years ago.” Mary H, Costa Mesa, CA

“Craig I have only great things to say about you and your team of Financial Professionals. I thought you would know that on all the referrals I’m sending your way. I can’t thank you enough for how you helped me retire over 4 years ago and how much better off I am by meeting you. I worked with my first planner for over 10 years until I met you. I trusted you and liked you from the first moment that I met you. I am enjoying my retirement and my freedom knowing that all of my investments are in good hands.” Frankie T., (Retired) Executive Assistant, President of Southern California Edison

“After working 32 years at the same company, me and 12 other employees decided to take an early retirement. I trusted you with almost $500,000, because you are simple to understand and no pressure. Thank you for putting my entire life savings in a vehicle that is safe has zero risk and pays me an excellent return. My 12 other friends have already lost over $75,000 from their principal balance and some of them have had to go back to work part time. I am enjoying a prosperous retirement because of you. I still owe you a fishing trip.” John S., Pomona, CA

“Hi my name is Darlene Ponder, and I have been with my husband Dr. Craig A. Ponder Sr., Ph.D., CEA, since he was 19 years old. I knew from the moment that I met him that he was special and would really make a difference in the world. For over 29 years, he has been a wonderful friend, a romantic, great father and the best provider that a wife would ever ask for. I guarantee that he will take care of you, your family and your finances, because it is his nature to do so and his passion in life is to help create solutions that solve problems!” Darlene, Wife of Dr. Ponder