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"Wealth is neither created nor destroyed! It simply flows from the uneducated to the educated (or from the uninformed to the informed)."





The typical investor pays over $155,000* in unnecessary mutual fund management fees over a lifetime!!! Don't believe it? Watch this PBS Frontline documentary to learn the dirty little truth about the retirement planning industry. What's more, 79% of fund managers don't even meet, let alone beat, the S&P 500 index! Don't DO mutual funds or RRSP's until you WATCH THIS.

Try it for yourself. Use the CALCULATE NOW button to examine the corrosive effect of fund management and administration fees on your lifetime portfolio returns. Assume whatever parameters you like to see the effect that a 2% reduction in the rate of return (to reflect the tyranny of compounding mutual fund fees) has on your retirement savings.




Starting at age 18 and investing for 47 years with $0 initial deposit and adding $100 monthly to your savings, increasing contributions by 2% inflation at 6% annual interest, compounded quarterly, your total portfolio grows to $416,311.58.  If you drop the interest rate by 2% to account for annual management fees, your total return is only $235,447.93.


The difference of $180,863.65 went to your mutual fund company and advisor. That's a total of ($321/mo) $3,848.16 per year to have a managed mutual fund portfolio and to pay your sales advisor for advice that underperforms the market 80% of the time! We can show you how to do it yourself for one tenth the fees!


As a financial advisor between 1992-1996, with Canada's leading mutual fund company, I made a small investment into two different portfolio mutual funds. Between October 1, 1999 to June 30, 2021, I have made no contributions nor changes in either plan, nor have I made any withdrawals from them. Given the small amounts of money, I chose to leave those funds therein, while simply following the typical money mantra of 'buy-and-hold', -allowing all dividends to be re-invested. Recently, I assessed the performance of these mutual funds during the market volatility of markets of the past 22 years, by calculating the actual long-term Return on Investment for both funds using this on-line calculator or this one. Not even factoring in the rate of inflation, which would have eroded the actual purchasing power of these two investments, I was shocked and dismayed to discover the detrimental effects of 3.02% and 2.65% mutual fund management fees on these respective funds.

James Steele IV - Wealth Coach

ROI - IRGP 1999-10-01 - 2021-06-30.JPG

Fund 2 is the Investors Group Retirement Plus Portfolio - Series C Click for PDF Fund Facts. 

ROI - IRPP 1999-10-01 - 2021-06-30.JPG

Had I instead been informed about "real money", my total 15 year investment of $913.99 invested in Gold or Silver bullion would have yielded dramatically better results. The historical bullion prices I used are available at The investment comparisons are shown below:

GOLD: Purchase of 3.0165 oz. 

10/01/99: $303.00/oz

09/30/14: $1216.50/oz

07/21/21: $1803.72/oz

ROI - GOLD 1999-10-01 - 2021-07-21.JPG

SILVER: Purchase of 161.1975 oz. 

10/01/99: $5.67/oz

09/30/14: $17.11/oz

07/21/21: $25.28/oz

ROI - SILVER 1999-10-01 - 2021-07-21.JPG

My combined investment of $913.99 into Gold or Silver bullion, rather than the two mutual funds, would have yielded 151%-201% higher portfolio values respectively. A Gold portfolio would have grown in value to $5449.37 and Silver to $4080.12, rather than the mere $2709.89 combined mutual fund portfolio valuation that I did achieve. But mutual fund salesmen will tell you that precious metals are a poor investment.


The numbers don't lie, but salespeople do; or they just aren't taught about real money!

ROR - GOLD 1999-10-01 - 2021-07-21.JPG
ROR - SILVER 1999-10-01 - 2021-07-21.JPG



"Get out of the markets and hide in cash!"

warns fmr Reagan Budget Dir, David Stockman Stockman, -

The New York Times.



"The flood of liquidity, instead of spurring banks to lend and corporations to spend, has stayed trapped in the canyons of Wall Street, where it is inflating yet another unsustainable bubble.... When the latest bubble pops, there will be nothing to stop the collapse."

The Wealth Coaches utilize the latest innovative online personal coaching software, allowing clients to receive live private or group instruction from us. Now there is no excuse not to KNOW how to manage and protect your own money. Learn financial economics and history lessons from the comfort of your own home or office!


Join our webinars

to learn at YOUR convenience.

Visit the Join.Me link and install the free screen-sharing app on your desktop or smart phone prior to the session. Upon registration for your session, you will receive the private code to begin learning.

For a great resources and handy calculators for Retirement Planning, Investing, Budgeting & Saving, Credit Cards & Debt, Education Savings, and Home Ownership, link down below and begin your education.




 Please note: We are in no way affiliated with this website and assume no liability for its use.


Shadow Government Stats

Given the major influencers of interest rates, taxes, and inflation to investment returns, most investors fail to comprehend the crucial effect of general price inflation against long-term investment performance. So, how does inflation effect the future purchasing power of your financial savings?


Most financial advisors will factor into their retirement planning forecasts the official reported CPI rate, which currently stands at about 2%. What they fail to mention, however, is that the methodology used to calculate the official rate has changed dramatically over the decades. In fact, if we use the same methodology implored in 1980, current inflation is closer to 10%.


We offer a FREE, NO-OBLIGATION Inflation Calculation on your current portfolio to show you how the ShadowStats inflation number will effect your investment portfolio.

 Income / Inflation Calculation using Shadow Government Stats 

This handy income calculator allows you to adjust various figures to reveal the effects that inflation and time have on your future income needs required to maintain future purchasing power. In this example, a $75K current income needs to rise to over $505K in 20 years, when we use the above ShadowStats estimate of current inflation, rather than the reported CPI rate of 1,88%. Will your income keep up with ACTUAL inflation?


Click the image to calculate your own numbers.

deposits are loans
Canada's bail in law
OCR 60
crisis worse than isis

TWC, an independant company, represents the products of Solid Financial Solutions Inc.

Click PLAY to begin an exciting journey into Wealth Education​​

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<Select videos using side arrows>

Free from mainstream media propaganda - this film doesn't bash bankers, criticise politicians

or dabble in conspiracy theory.

It ignites the debate about how to usher a new economic paradigm into the world to dramatically improve

.the quality of life for billions



Diversify your wealth into "Paradise Assets."

Income-Producing Real Estate:

a key investment strategy of

the Ultra-Rich for generations. 


In the next few, years 80+ million North American Baby Boomers will retire; they will seek warmer, more affordable, southern climates with comparable standards of living to enjoy their golden years. So why are so many flocking to Costa Rica?


Its all about Location, Location, Location!




  • One of the world's 5 rare BLUE ZONES!

  • Home to 300 of the fortune 500 companies!

  • The safest country on the continent, with the lowest crime rate  and a disbanded, unused army.

  • One of the few nations providing FREE healthcare and education for residents and citizens.

  • Affordable at 1/3 the average cost of living in America.

  • A veritable EDEN with only 0.03% of the earth's land-mass but 6% of the earth's biodiversity.

  • A $45 billion economy, exporting 4,763 products to 153 countries, and untill recently, INTEL Pentium chips..

  • Highly educated per capita, boasting a 95%+ literacy rate; with many universities specializing in software engineering.

  • Comparable to Hawaii for the tropical paradise lifestyle at a fraction of the cost of current Hawaiian real estate prices.

Blue Zones History


In 2004, Dan Buettner teamed up with National Geographic and renowned longevity researchers to identify unique places around the world where people lived measurably longer, measurably better and even happier lives. In these BLUE ZONES they found that people reach age 100 at rates 10 times greater than in North America.


Teams of scientists studying each location discovered amazing characteristics shared by the BLUE ZONES. On the Aegean island people live eight years longer than Americans do, suffering 20% less cancer, half the rate of heart disease, and almost no dementia. Meanwhile, in COSTA RICA, people are more than twice as likely than Americans to reach a healthy age 90. All the zones share characteristics of clean, Eden-like environments offering fresh vegetation; stress-free living, and the ability to focus on creating wholesome family lives.




Water: Blue Zone water has the highest calcium content anywhere.


Family: Blue Zone families keep the generations living together and maximizing strengths.


Faith: Blue Zone residents have strong spiritual beliefs and deep community  connections, encouraging a holistica wellbeing unique to these regions.


Fruit: Blue Zoners eat a variety of tropical fruits all year long.


Diet: Their maize diet is high in niacin, calcium and amino acids.


Lifelong Work: Blue Zoners enjoy work and play for the full duration of their lives.



The Wealth Coaches enjoy a special relationship with one of the largest, most respected vacation property owners, wholesalers, and developers in Costa Rica. This relationship allows us to offer our real estate investors:

  • The best properties first!!

  • Exclusive wholesale prices so low they're unavailable to buyers in Costa Rica.

  • Instant Equity with your purchase.

  • Wholesale prices so low you can sell at a 100% retail markup.

  • Fully appraised by Chicago Title - North America's oldest, most respected titling company.

  • Fully permitted, turn-key properties.

  • Vendor financing with no qualifications or credit checks, so   you can free up credit for other purposes.

Financing terms of 3, 5, and 7 years are available with rates of 3.5%, 5.5%, and 7.5% respectively.


We have a few lots left selling at 30-40% below appraised value. You have built-in automatic upside potential. With only 10% down, you can rent or sell your property to the roughly 16 million boomers who will move south to live out their Golden Years.

Northern Baby Boomers already flocking to Costa Rica are about to drive real estate prices sky high. Since the 1960's these same boomers have driven HAWAIIAN vacation property prices to their current stratospheric levels. The Permanent Boomer relocation to Costa Rica is already creating a demand explosion; which will eventually lead to the soaring prices, and limited supply we now see in over-priced Hawaii. Massive rewards await the smart, prudent investor riding the unstoppable demographic tidal wave.

Live a Longer, Healthier &

Happier Life

in one of the world's

five rare Blue Zones!

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