Name: Crash Proof Retirement
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1-855-348-7884
1-800-722-9728
Personal Financial Checkup

[CLICK EACH TITLE TO REVEAL OVER 300 CLIENT TESTIMONIALS ORGANIZED BY CATEGORY]

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Crash Proof Retirement Consumers, like Donna McMackin, know that the double digit interest credited to their accounts is protected, and available to access without penalty. Even while taking Guaranteed Crash Proof Income.

Donna has been with Crash Proof Retirement Since 2013:

"With Crash Proof Retirement I know that my money is totally safe. I stand to gain, and during The Pandemic of 2020 brought in 11 Percent. That was interest credited to my account. There are no fees, and I have the opportunity with Crash Proof Retirement for that to continue to compound.

Even with taking my required distributions, if I wanted to buy a new car Tomorrow I could withdraw Crash Proof Income and there are no fees charged.

Even though I've been retired a number of years and I'm not making a salary I have my investments with Crash Proof Retirement and that's making me money while I enjoy my retirement."

When you're ready Crash Proof Retirement is here for you. Call 800-722-9728 or visit https://www.crashproofretirement.com

My name is Janet Sawdey. My husband and I started with Crash Proof Retirement in 2008.

With Crash Proof Retirement we went through two market crashes. The one in 2008 and the one in 2020, and we have not lost one penny.

With The Crash Proof Retirement System we were able to take money out every year. We still had almost the same amount of money that we originally invested, because the interest keeps compounding and compounding. We're ahead of the game!

We just sat back and said, 'Cheers to Crash Proof Retirement. Oh man did we make the right choice'.

What can I say this is the place to be.

Schedule a virtual appointment. Call 855-348-7884 or visit https://www.crashproofretirement.com

Crash Proof Consumers don't worry about depleting their nest eggs when taking Crash Proof Income, because they know as one Crash Proof Vehicle provides guaranteed income the others credit interest, that often exceeds the money withdrawn.

Robert Malone from Wilmington, DE said:

"We have been with Crash Proof Retirement since 2011.

The Crash Proof Income we're receiving from The Crash Proof Retirement System doesn't deplete our nest egg. And every month we'll receive a guaranteed Crash Proof Income to support our lifestyle at zero cost to us.

When the market crashed in 2020, whether Wall Street was closed down or not we just continued on receiving monthly payouts from our Crash Proof System.

Crash Proof Retirement means we have access to our money. It doesn't matter where we are, what we're doing, we'll continue to make money, but we''ll never lose anything from that money."

When you're ready you can enjoy guaranteed Crash Proof Income that won't deplete your nest egg. Call 800-722-9728 or visit https://www.crashproofretirement.com

My name is Liz Glass and I've been with Crash Proof Retirement over Ten years.

One of the good things about Crash Proof Retirement is that they have Crash Proof Income, so when it comes time for us to take money there is money that will come to us, but that doesn't take away from the money that we already have invested. That money continues to grow even though we're taking distributions.

When the pandemic hit the market closed down and there were people who were scurrying and couldn't get to their money. We never had to worry about that.

With the Crash Proof Income there are absolutely no fees. The numbers are on the paper and that money came back to us, we didn't lose anything in 2020 so that's money that we get to enjoy when we're retired, and we're not worried now, and I know in the future we're still not going to be worried about it.

Guaranteed Crash Proof Consumers is available to Crash Proof Retirement Consumers should they need it, with no fees or penalties, and without depleting your nest egg. Call us at 800-722-9728 or visit https://www.crashproofretirement.com

Book Your Appointment: 800-722-9728
https://crashproofretirement.com/crash-proof-retirement-contact/

My name is Bob Pusicz, I've been with Crash Proof Retirement since March of 2019.

My Anniversary date was mid-March of 2020. That's when the market really took a crash. That still did not hurt my interest coming back last year.

With The Crash Proof Retirement System, the amount that I made in 2020 became my new principal. That money was secure. And then in 2021 I made an average of 6.3%. That with the old principal becomes my new principal and that money is now secured.

If I did this well in 2020 with a 'so-so' market, if the market goes up I may get double digit interest next year. I'll be able to use my Crash Proof Income to be able to do my traveling to Ireland and some other places that we have on our bucket list.

When you're ready, Crash Proof Retirement is here for you. Call 800-722-9728 or visit https://crashproofretirement.com/crash-proof-retirement-contact/ and schedule an appointment today.

In the heat of The Pandemic, Bob earned interest credited to his account on the worst single day in the history of The Dow. Learn how by clicking this link:
https://youtu.be/gql0ZiXRhxE

#retirementincome #compoundinterest

The interest credited to our Crash Proof Retirement Consumer's accounts becomes a permanent part of their principal, which cannot be taken away.

Paul and Elaine Alexander have been with Crash Proof Retirement since 2019 and they said:

"The interest credited with Crash Proof Retirement, it never goes down it only goes up.

We've made seven and a half percent. If we want to take a trip we can get Crash Proof Income anytime. The money's there.

With Crash Proof Retirement, I feel like we have control over the future."

Take control of your financial future. Call 800-722-9728 or visit https://www.crashproofretirement.com

My name is Janice Yakonick and I'm from Collegeville, Pennsylvania.

When I first started working I had just turned 17 years old, and of course when you're 17 you don't think much about your future.

But then when you get closer to retirement you have to really be careful, because there's a lot of scam systems out there and people that aren't going to think twice about taking your money and if the stock market goes down they're like, 'Oh well, sorry. Everyone has to take a risk.'

And that's why Crash Proof Retirement is so important. You're not taking a risk. You're putting your money in there and you're guaranteed that your money's going to be there when you need it.

With Crash Proof Retirement we're going to be able to get our Crash Proof Income every month. All the vacations you wanted to take but you didn't have enough vacation time, I can do all of that now.

I can look forward to doing whatever I want, that's the beauty of retirement, and I'm rocking it I like it.

When you're ready, you can enjoy Guaranteed Crash Proof Income. Call 800-722-9728 or visit https://www.crashproofretirement.com

Crash Proof Retirement Consumer Joe Wilkinson discusses how the interest credited from his Crash Proof Retirement System allows him to take an income stream without depleting his nest egg, which provides him peace of mind.

Joe, a native of Philadelphia, PA who spends his winters in Naples, FL said,

"My name is Joe Wilkinson, I'm a hardworking retired blue collar carpenter and I've been a member of Crash Proof Retirement since 2016. Getting ready to plan our retirement we wanted to be able to have stable numbers, stable income. Crash Proof Retirement the way they design your income stream is very unique. Your initial principal never really changes, after you took 20 years of 50 thousand plus income. So your money's making money and you're living off of it. We have been receiving an average of 6.2% interest and it gets credited to our account every year. If the market goes down we never lose 6.2% we only take the gain. My wife and I both retired. We were able to buy a home in Naples Florida. It's given us tremendous freedom. We get to spend some time with our daughters and grandchildren. It put a great smile on my face to know that we're safe and secure."

If you need an income stream to see you to and through retirement that won't deplete your asset base, attend a Crash Proof Retirement Educational Event with Phillip Cannella and Joann Small near you. Reserve your seat today, 800-722-9728 or https://www.crashproofretirement.com

Crash Proof Retirement offers all of our over 5,000 Crash Proof Retirement Consumers annual review meetings, free of charge. Crash Proof Retirement Consumers Thomas and Susan Herr met with their Crash Proof Retirement Educator via video conferencing in April, and were thrilled to learn about the interest credited to their accounts in 2020, and the tax favored income they would receive going forward.

Thomas and Susan have been Crash Proof Since 2018 and said:

"Crash Proof Retirement has given us a tool that we can get an income stream literally almost tax free, that means a lot.

Our average with The Crash Proof Retirement System in our second year is around seven percent which I'm happy with.

Our educator told us what we made in the beginning of 2020, my jaw dropped. You're not just a number. They care about you. They don't just talk the talk, they talk and walk, they live it. They live Crash Proof."

Appointments are available nationwide via phone and video conferencing. Call 800-722-9728 or visit https://www.crashproofretirement.com

Concerned about your retirement future? If you find yourself on the computer checking stocks and following every market fluctuation then you're not making the most of your golden years. Crash Proof Consumer Linda Furlong doesn't need to check the markets. She instead goes on vacation, knowing that she's protected from market drops, and not paying any fees, and seeing her accounts grow by over eight percent per year.

Linda who's from Oreland, PA said:

"With the Crash Proof Retirement System I have never, NEVER paid a fee to anyone. Within the last eight years with The Crash Proof Retirement System, outside of the first year, I have been averaging eight point three percent a year with Crash Proof Retirement. For the last few months I've been taking money out of my Crash Proof Retirement account to go on a fancy vacation and I'm still making money. I'm still making money! That's un heard of."

Make the most of your golden years. Attend a Crash Proof Retirement Educational Event with Phillip Cannella and Joann Small. Reserve your seat today, 800-722-9728 or https://www.crashproofretirement.com

Crash Proof Consumer Gerald Skobinsky had always dreamed of taking his wife on a trip to Africa for their 50th wedding anniversary. The Exclusive Crash Proof Retirement System made that dream a reality, providing him access to the money he needed for the trip, and interest credited to replenish the money he spent.

Dr. Skobinsky is from Elkins Park, PA and said:

Dr. Gerald Skobinsky of Elkins Park, PA said:

"The Crash Proof Retirement System gives us access to money, and in fact besides social security it is our source of income. We're married now 54 years and we took our big 50th anniversary trip to Africa at a level of luxury that was befitting 50 years of marriage. And we have as much money today as when we started in 2010."

Have access the money you need to make your retirement dreams come true. Get educated on The Exclusive Crash Proof Retirement System at an educational event near you with Phillip Cannella and Joann Small. Call 800-722-9728 or visit https://www.crashproofretirement.com. Today!

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My name is Jessica Greenfield, I started with the Crash Proof Retirement System in 2014.

I am beating the market this year because of Crash Proof Retirement. I've lost nothing. I'm making interest of five percent. I will never lose any of the interest and I will never lose the original principal.

Hence the name Crash Proof Retirement.

Schedule an appointment with a licensed Crash Proof Retirement Educator in-person or via safe and easy to use video conferencing by calling 800-722-9728 or visiting https://www.crashproofretirement.com

Retired Minister Sam Lepore believes, "You practice what you preach." Phil Cannella and Joann Small practice what they preach, they too are protected by The Exclusive Crash Proof Retirement System.

Sam, has been with Crash Proof Retirement since 2012. He said,

"If you're talking about something in your life that you want to share with somebody else, if you're not doing it yourself, then you're a fake. And Phil Cannella is not a fake. Phil Cannella is Crash Proofed. He invests in his own Crash Proof Retirement System. And I said, 'You know that gives you joy.' And you can see it in Phil Cannella's face. Crash Proof Retirement has really helped me to have joy. I'm so excited about it that I cannot stop telling people about it. I was looking at the market and seeing 500 points dropped, that's crash. I'm really lucky to be Crash Proof!"

You can have the joy Sam Lepore, Phil Cannella, Joann Small, and the rest of our over 5,000 Crash Proof Retirement System Consumers have. Begin your education by calling 800-722-9728 or visiting https://www.crashproofretirement.com

None of the over 5,000 Crash Proof Retirement Consumers have to spend any time trying to recapture market losses. Crash Proof Retirement Consumer Gloria Gartner hasn't lost during this pandemic, and has averaged over 6% interest credited each year since 2010. So instead of taking the time to try and recoup losses, like Wall St. investors, she will only grow adding interest credited to her principal every year.

Gloria said:

"Crash Proof Retirement is a better plan for me whether the market goes up or down, and I have on average gained about six percent. We have made money every year. Once you earn the money it's there. If the market goes down the next year, you do not lose it. What I've earned this year is going to stay in my pocket and I can't lose what I have."

Phillip Cannella, Joann Small, and Crash Proof Retirement are here for you via phone and easy to use video conferencing. Call 800-722-9728 or visit https://www.crashproofretirement.com

My name is Fred Litchendorf, I'm from Lititz, PA.

We benefit from The Crash Proof Retirement System because with the markets presently dropping our nest egg is never depleted in any way.

We're constantly gaining interest through Crash Proof Retirement. That money goes right into our account.

We feel wonderful about the ability to do so and look forward to doing so.

Schedule an appointment with a licensed Crash Proof Retirement Educator in-person or through safe and easy to use video conferencing. Call 800-722-9728 or visit https://www.crashproofretirement.com

Our world has changed before our very eyes. And the financial landscape has changed with it. But the guarantees provided by The Exclusive Crash Proof Retirement System have been proven to remain the same. 100 percent principal protection. Interest credited each year, that can never be taken away. All with no fees whatsoever.

Manus and Savannah McHugh have been Crash Proof Retirement Consumers since 2010:

Manus Said:

"Crash Proof Retirement has brought a lot of comfort to me because we do get a return each year."

Savannah Added:

"Seeing the market and seeing the volatility of it, how it has taken away many of our friends' money, we look at each other and say 'There but for the grace of God, there but for the grace of Crash Proof Retirement go we.' It's just been wonderful, it's far exceeded my expectations. I just wanted to hold on to what we had, and it's gotten better."

If you can access email on your computer, tablet or smartphone, then you will have access to the benefits of a Crash Proof Retirement Education. When you're ready to Crash Proof your retirement future Crash Proof Retirement is here for you. Call us, 800-722-9728 or visit https://www.crashproofretirement.com.

Book Your Appointment: 800-722-9728
https://crashproofretirement.com/crash-proof-retirement-contact/

The Violin. The Trumpet. The Drums.

All quality instruments but when playing on their own and without proper orchestration can sound chaotic. Only when the Maestro blends those instruments with a musical score, do they become a symphony which out performs any of those instruments on their own.

The Exclusive Crash Proof Retirement System uses your financial goals to compose a retirement symphony, with full orchestration of safe financial instruments, that play the melody you’ve always dreamed of in retirement.

Musician Doug Flor said:

“I have a stable rhythm going on in my life right now, The Crash Proof Retirement System. I play my guitar with rhythm I play drums also. Rhythm is very important to me. We’re all trying to do our theme song for our life, find out what our theme song is. I would say The Crash Proof Retirement System has been instrumental in helping find that song of my life.”

Fred and Nancy Keffer, who’ve been Crash Proof Since 2016 said:

“This is our 2nd year with the Crash Proof Retirement System and our average return over that time is over 6%. One of our instruments actually made over 11% this past year. Not all of your instruments will make over 11%, some may make less, and some may make a lot more, but the average is what’s important. Safety and a good return.”

Roy Mills who is a Retired Engineer said:

“In this Crash Proof System it’s all about diversification. It’s a system. They provided five different instruments. Depending on what happens to the market one or two of them are going to blow up and do great. Of course none of my instruments can lose money. If I only had one the disadvantage is I’m putting all my eggs in one basket. You know you can sleep at night, you know you’re gonna get good returns. The goal of preserving your retirement and your income, you can do it with Crash Proof.

Witness the truth for yourself at a Crash Proof Retirement Educational Event near you. Call 800-722-9728 or visit https://www.crashproofretirement.com

#music #financialinstruments #financialthemesong

Book Your Appointment: 800-722-9728 or fill out the form on https://crashproofretirement.com/crash-proof-retirement-contact

The United States Government has absolutely no idea on how to fix the problems that plague our Economy. However, there is a proven path to stop the problems from impacting your nest egg, The Exclusive Crash Proof Retirement System.

Crash Proof Retirement Consumer Jim Colombo, a Firefighter from Philadelphia, PA said:

"I'm not worried about #inflation now because of Crash Proof Retirement. I earn interest and once I earn the interest it's mine to keep."

Tom Cahill has been with Crash Proof Retirement Since 2013 and he said,

"When the market took a turn to the south this past year I turned to my wife we were having coffee in the morning and I said, 'You know that doesn't effect us in the least.'

Crash Proof Retirement Consumer Margaret Boese of Doylestown, PA said:

"With The Crash Proof Retirement System, the stock market is crashing or is going down hill. I have gained interest and have not lost one penny from my principal, and whatever interest I did gain I'm keeping."

This market slide could be lethal to your retirement nest egg. It's urgent you call now. 800-722-9728 or https://www.crashproofretirement.com.

#debt #debtceiling

Schedule an appointment: https://crashproofretirement.com/crash-proof-retirement-personal-financial-checkup/ or call 800-722-9728.

Susan Herr has been a Crash Proof Retirement Consumer since 2018. Here's what she had to say:

"Hi I'm Susan Herr and I'm from Narvon, Pennsylvania.

With what's going on in the Stock Market in 2023 I can only relate it to a slippery slope. You're trying to climb up a muddy slope and you keep sliding down.

With Crash Proof Retirement you don't slide down. You make interest, that interest is never lost, it's put in your account.

I can't understand why more people don't get involved with Crash Proof Retirement, it's a no brainer."

CALL NOW: 800-722-9728 or visit https://www.crashproofretirement.com

To learn more about this Crash Proof Retirement Consumer's story please click the video on the right. And if you'd like to hear more Crash Proof Retirement Reviews from some of our over 5,000 Crash Proof Consumers make sure to subscribe to our Crash Proof Retirement Channel.

#CrashProofRetirementReviews #financialplanning #retirementplanning

Schedule an appointment: Call 800-722-9728 or fill out the form on https://crashproofretirement.com/crash-proof-retirement-personal-financial-checkup/

Ed and Lynn Bonner were looking for a Retirement Planner in NJ to make sure they could live the retirement lifestyle they envisioned when they began working. They found The Exclusive Crash Proof Retirement System in 2014, are from Sicklerville, New Jersey, and haven't had financial worry since. Here's what they had to say:

"I'm Ed Bonner and this is my wife Lynn and we've been members of Crash Proof Retirement since 2014. My goals for #retirement were to do what I wanted, when I wanted, how I wanted, where I wanted, and not have to worry about #money.

#inflation #supplychain issues #chaos around the world, of all those issues going on around us, my #nestegg is one issue I don't have to worry about.

Crash Proof Retirement has provided me with a level of security. We have not lost any money. The value of earning interest with The #CrashProofRetirementSystem it goes directly into our individual accounts, and I know that I can't lose anything.

Tomorrow is two cups of coffee and a day of relaxation not having to worry about my savings."

Your lifesavings is in danger. Now is the moment to protect it! Call Now. 800-722-9728 or visit https://www.crashproofretirement.com.

Click this video

to hear more from consumers who have experienced the benefits of The Proprietary Crash Proof Retirement System. If you enjoyed this video, make sure to like and subscribe to our channel for more. You can also share this video with your friends and family to help them gain financial peace of mind.

Schedule an appointment: https://www.crashproofretirement.com or call 800-722-9728.

The guarantees found only in The Exclusive Crash Proof Retirement System continue to be tried, true and proven by over 5,000 Crash Proof Consumers, like Robert and Nancy Harding from Springfield, Pennsylvania:

"With The #CrashProofRetirementSystem we are #inflationproof.

To offset inflation we can take more cash out, the rest of our system will continue to grow, and at a faster rate than we take it out. It makes his sleep, hence my sleep, so much better"

Only Crash Proof Retirement Reviews can truly attest to the benefits of The Exclusive Crash Proof Retirement System. Detractors have muddied the waters about our system for years, because they can't match the guarantees delivered by our proprietary system

Our consumer advocates tailor every aspect of The Exclusive Crash Proof Retirement System to your goals, including our #inflation fighters - which can increase your income without depleting your nest egg.

It's vital you come straight to the source - schedule an appointment with one of our licensed independent educators and get the Truth. It's NOT too good to be true. call now 800-722-9728 or visit https://www.crashproofretirement.com

#CrashProofRetirementInflation #CrashProofRetirementSystemReviews

Schedule an appointment: https://crashproofretirement.com/crash-proof-retirement-personal-financial-checkup/ or call 800-722-9728

#CrashProofRetirement
#CrashProofRetirementSystem
#crashproof

#retirementphaseexpert Phil Cannella predicted the market crash of 2008, and the market drops that followed, including the interest rate hikes that caused the bear market of 2022.

Phil is among the economic experts around the world who agree that market turmoil is on the horizon. Will you be ready for it?

Over 5,000 Crash Proof Retrement System Consumers, including Phillip Cannella and Joann Small, have no worries because they each have a custom system that has grown and protected their investments.

Immogene Smedberg has been with The Crash Proof Retirement System since 2018 and she said:

"In 2022 when the market went way down we did not lose a penny of what we invested with The Crash Proof Retirement System. Every year that we've been with Crash Proof Retirement we've actually gained money and we have never lost what we have put in."

Don't be fooled by the copy cats. Protect your nest egg with the tried and true Crash Proof Retirement System. Call 800-722-9728 or visit https://www.crashproofretirement.com

Here more of Phil's accurate predictions by watching this video:
https://youtu.be/C-plFo2nQ5I. And if you'd like to hear more from some of our over 5,000 Crash Proof Retirement Consumers please subscribe to this Crash Proof Retirement YouTube Channel.

Follow us on social media to learn more.

https://www.facebook.com/crashproofretirement
https://twitter.com/CrashProofTruth
https://www.linkedin.com/in/phil-cannella/

Visit https://crashproofretirement.com/crash-proof-retirement-personal-financial-checkup/ or call 800-722-9728 to schedule an appointment with Crash Proof Retirement's licensed independent educators.

With all the turmoil that we have seen in our country, are you concerned? Has your financial portfolio taken a hit? Well, you can eliminate those worries with the one and only system, tried and true over nearly two decades that has guaranteed no losses and peace of mind.

Crash Proof Consumers , Frank and Janis Varvaro from Fogelsville, Pennsylvania said:

Mrs. Varvaro said,

“I do think crash proof retirement's original. I've not seen anything like this. When the market went down in 2022, we did not lose any money.”

Mr. Varvaro said,

“We were in a position to make 5% of our money that we invested. And I feel bad for the people that were still in the stock market and took a big hit.”

Mrs. Varvaro said,

“I'm comfortable with 5%, but if the stock market goes up, we're looking forward to double digits. I don't think anybody else could give that kind of service.”

Don't be fooled by the copycats. Protect your nest egg with the tried and true Crash Proof Retirement System. Call 800-722-9728 or visit https://www.crashproofretirement.com

If you enjoyed this video, like it, and share it with your friends and family so that Crash Proof Retirement can help them have peace of mind as well.

#CrashProofRetirementSystem
#CrashProofRetirement
#RetirementPhaseExpert

Follow us on social media to learn more.

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https://www.linkedin.com/in/phil-cannella/

Unfortunately, an error occurred:

My name is Geraldine Chiodetti and I've been with Crash Proof Retirement since 2010.

If I had my way I'd take everybody out of Wall Street and put them right in Crash Proof Retirement.Crash Proof Retirement puts a smile on my face everyday. I sleep well, and it even put a bigger smile on my face today when I got my 13 percent.

The interest we receive from Crash Proof Retirement is credited interest, so the market can crash Tomorrow, next week, I know I'm protected.

We get Crash Proof Income but guess what, your principal still doesn't go down because your interest from your money is making more money.
When I was told we made 13 percent this year my husband looked at me and I looked at him and we did the happy dance.

Crash Proof Retirement is here for you at 800-722-9728 and online at https://www.crashproofretirement.com

My name is Rob Lukens and I've been with Crash Proof Retirement since 2019.

I'm Belinda Lukens and I've also been with Crash Proof Retirement since 2019.

The beauty with The Crash Proof Retirement System is that the market can correct itself, but we won't lose. 2021 our one account made 14 percent, the other one made close to twelve. We have a third that made 8.4, and we have one more that right now is averaging over ten percent.

My principal and interest are added together. We don't lose any of that. Whereas in the market when it crashes, whatever you're making goes down with it.

If we can do double digits in a pandemic, I think it's awesome what's going to happen next.

Double digit interest can be permanently credited to your accounts. Proven on https://www.crashproofretirement.com.

Vicky Breitenstine of Blackwood, NJ said:

"You underestimate the power of a personal testimonial. We're real people. We can tell you from our own experience what we've had the pleasure of experiencing through The Crash Proof Retirement System.

The 11.2 percent interest that we've received, no one's going to take that money away from us."

Bob DeCarlo of Horsham, PA said:

"With The Crash Proof Retirement System you invest your money, you're never going to lose it, and what you make you're never going to lose."

Nick DeVirgiliis of Turnersville, NJ said:

"There's a lot of media and a lot of advertising geared towards investing in the market. I'm not going back, I'm staying with Crash Proof Retirement. This is the place to be.

I made over 12 percent. The interest that I've made on my principal, it stays in my account."

John and Mary Ellen O'Connor of Yardley, PA said:

"The types of returns that you get through The Crash Proof Retirement Plan, with full protection of your assets is just beyond reproach."

Crash Proof Retirement is here for you. Call 800-722-9728 or visit https://www.crashproofretirement.com

The stock market hit record highs in 2024, but those gains mean absolutely nothing if you can’t protect what you’ve earned. In this video, our Crash Proof Retirement clients share the double digit interest returns they've earned while keeping their money safe from market volatility.

Crash Proof Retirement clients are enjoying returns of up to and over 15%, and once those gains are credited, they can’t be lost, even if the market crashes. This system allows you to grow your retirement savings while staying protected from the market’s ups and downs.

If you’re looking for a way to grow your money for your retirement future without market risk and fees, the Crash Proof Retirement System provides the perfect solution. Call 1-800-722-9728, or be sure to register for one of our complimentary educational events near you. https://crashproofretirement.com/crash-proof-retirement-events/

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Facebook - https://www.facebook.com/crashproofretirement
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When Crash Proof Retirement Consumers receive double digit interest credited to their accounts their money is secure. Whereas on Wall Street, investors risk losing their gains to market volatility and costly fees.

Horst and Sharon Thoryk have been with Crash Proof Retirement since 2011 and they said,

"With Crash Proof Retirement this year we made 17%. Even with The Pandemic going on, the interest that we gained this year is ours, it won't go away.

There are people who made a lot of money on the market from when The Pandemic started, the market just kept on climbing, but they still have the risk of giving a lot of that back.

The history that we've had with Crash Proof Retirement for the last ten years has provided us with that security - that sound basis to build our own lives, our own retirement.

We don't pay any fees with Crash Proof Retirement and we only gain and when the market goes down we don't lose anything."

When you're ready, Crash Proof Retirement is here for you. Call 800-722-9728 or visit https://www.crashproofretirement.com

For many retirees, the idea of earning 10% interest without risking any losses seems too good to be true. But for Mark and Mary Dehnert, that’s exactly what they’ve experienced since joining Crash Proof Retirement in 2023.

Our Crash Proof Retirement clients are able to receive double-digit interest returns without ever losing a penny of their principal.

If you want to learn how to receive the same peace of mind as Mark and Mary Dehnert, call 1-800-722-9728, or be sure to register for one of our complimentary educational events near you. https://crashproofretirement.com/crash-proof-retirement-events/

Follow us on social media:
Facebook - https://www.facebook.com/crashproofretirement
Twitter - https://twitter.com/CrashProofTruth
LinkedIn - https://www.linkedin.com/in/phil-cannella/

Crash Proof Consumers Bob Civitella and Louis Marinucci have enjoyed double digit interest returns with no market risk or fees, thanks to The Exclusive Crash Proof Retirement System.

Are you benefitting from the market but worried that a downturn on Wall Street will take back your gains? The exclusive
Crash Proof Retirement system can provide double-digit interest returns with no risk to your principal or fees
guaranteed.

Bob Civitella said: "I started the crash-proof investment system in 2011 and through the years I averaged 5.7 percent. This year, in one of my accounts my wife and I had earned fourteen and a half percent which amounted to $48,000 and that was just one strategy. My total interest for the year was $68,000."

Louis Marinucci said: "Because I'm with Crash Proof Retirement because the preservation of capital I got 12 percent returns this year and in this day and age, in the political and financial environment we're in that's quite good.

Register for a Crash Proof Retirement Educational Event near you. Visit https://www.crashproofretirement.com or call 800-722-9728 Today.

"I'm Jaye DiMarcantonio. I've been with Crash Proof Retirement Since 2013.

With The Crash Proof Retirement System we have gotten double digit returns. When we are getting our interest added to our accounts that is ours for ever.

The Crash Proof Retirement Program is the best way to protect your assets and have a happy retirement."

Begin your path to a happy Crash Proof Retirement by registering for a Crash Proof Retirement Educational Event near you. You can also schedule an appointment with one of our licensed Crash Proof Retirement Educators, in-person, or through safe and easy to use video conferencing. Call 800-722-9728 or visit https://www.crashproofretirement.com

See how Crash Proof Retirement clients, like Rob Lukens, earned double digit interest returns to their accounts during the economic turmoil of the COVID-19 Pandemic. Lukens explains how, unlike traditional Wall Street investments, the exclusive Crash Proof Retirement System guarantees that his principal and every penny earned is kept, with no losses, even when the Stock Market plummets.

To see real Crash Proof client statements and understand how our exclusive Crash Proof Retirement System provides security and growth even in the worst economic conditions, be sure to register for one of our complimentary educational events near you. https://crashproofretirement.com/crash-proof-retirement-events/

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Many Americans in or near retirement are worried about this year's election and its impact on the future of Social Security. Crash Proof Retirement Client James O'Neill, shares how he became "election-proof" with Crash Proof Retirement, knowing that his Proprietary Crash Proof Retirement System can supplement—or even replace—Social Security, with a guaranteed income that won't deplete his nest egg.

With fears that Social Security funding may dry up, James has peace of mind, earning over 14% interest permanently credited to his account without paying any fees.

Don't let election cycles dictate your financial future, learn how to election proof your retirement future by scheduling an appointment, or by registering for one of our complimentary educational events near you. https://crashproofretirement.com/crash-proof-retirement-events/

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Crash Proof Consumer Bob Smith spent over 30 years as The Deputy Director of Contracts for The U.S. Navy Internationally. In his pivotal role with The U.S. Navy, Mr. Smith developed and administered detailed contracts that funded the construction of naval bases and ships worldwide. Even this high ranking naval employee did not understand the pitfalls in his variable annuity because he did not receive accurate information from his broker.

Bob, who is from Broomall, PA, said, "Phil made a phone call to the custodial company of my variable annuity, Janney Montgomery Scott. I didn't realize until today after being educated by Phil, that with this variable annuity Janney Montgomery Scott was not giving me straight answers. I was paying thousands and thousands of dollars in fees, as well as I was exposing myself to a lot of market risk. That didn't make me happy and made me concerned that really all they've been doing this whole time was collecting fees from me and gave me concern as to how truthful and honest they're being with me regarding my money."

If you have a Variable Annuity, and want the TRUTH about the risk and fees you're exposed to, call 800-722-9728 or visit https://www.crashproofretirement.com to schedule an appointment today.

Frank Falcone said,

"It seems to us from our perspective now that The Variable Annuity is not a good vehicle to get into because the fees are too high and the long term benefits aren't what we thought they were going to be. I don't think that the Variable Annuity is a good vehicle for people to use in retired years. I'm not sure it's a good vehicle to use anytime."

Frank's wife Linda said,

"Plus I think the sell of The Variable Annuity is designed to keep the perspective client in the dark so to speak. They don't want you to know the ins and outs of exactly the way the program works. You're asked to sign on the dotted line before you actually understand, and that's by design. Because I think 90 percent of people would say, 'no I don't think that's for us,' if they really understood what they were buying into."

Professor Falcone ended by saying,

"The truth of the matter is, and I really do believe this now, is that our financial advisor is not helping our retirement plan, I'm helping his retirement plan."

Crash Proof Consumer Dom DiCindio thought he was protected with his Variable Annuity, until Crash Proof Retirement's Phil Cannella made a simple phone call to the issuing insurance company of his Variable Annuity, that exposed risk and fees Dom was never told about.

Dom said:
“Prior to
Crash Proof Retirement I was invested in
Variable Annuities.

Once I got involved
with Phil and Joann, I made him aware of
some of the assets that I had. I thought
I was protected should there be a market
crash with the variable annuity and
rather than Phil telling me that I was
wrong, that I wasn't protected, what we
did is we called Jackson National the
company that sold me that variable
annuity. My biggest concern was the fact
that I learned on that call that the
principal wasn't protected.

My funds were
exposed in a pretty dangerous way but
more importantly I was being charged
fees that over time when you say 3% or
1% I might not seem like a lot but over
the course of the years or decades that
your funds would be invested, you realize
how significant that loss is. Everything
that we look at whether it be
television financial programs, the
media speaks in terms of being patient
stay the course.

What I learned from Phil
and Joann is that with Crash Proof
you don't have to do that, you don't have
to be at that kind of a risk to still
have significant returns.”

Today, Dom has a Crash Proof Retirement, and understands that you don't have to expose yourself to market risk and fees to enjoy significant returns.

Dentist Ken discovered how bad his variable annuities were for his portfolio. Disgusted by the lack of fiduciary responsibility from his former advisor, Ken sought an education with Crash Proof Retirement. Phil Cannella and Joann Small educate individuals just like Ken on how their retirement can be worry-free with investments outside of the stock market.

Discover more at http://www.crashproofretirement.com

"The individual that I encountered that was responsible for getting me into the variable annuities was a friend of mine for a number of years, it was explained to me that the variable annuity was an insurance policy, basically, that involved secure assets where I would never lose money, and I would be guaranteed at least that at one 5.5% and with another one 6% Unfortunately he didn't explain to me in detail the fees that were involved with these variable annuities and to my dismay, I took a beating and a bad one as a result of fees amounting to more than what I was getting in the way of an actual remuneration or a percentage. They don't express a - something that would be a blueprint so to speak for the individual when they go to these variable annuities to know exactly what they're getting into and what the charges are. And the fiduciary responsibilities in this field are just terrible. With the one variable annuity, Phil went to the insurance directly and asked for a breakdown of their charges. We found out that the charges actually equaled within a quarter of a percent of the amount that I was to receive as far as you know an income from the variable annuity. I think Phil did a good job. He really has a gift of making it simple. It's important to be able to have the assurance particularly at my age of knowing that your monies are secure and I feel a lot better now about that as a result of having gotten together with Phil and having him explain all the issues that I had and, the more secure situation that I have now with his crash proof products."

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Crash Proof Retirement Consumers William and Patricia Harding were getting fleeced with Variable Annuity products until Phillip Cannella and Joann Small educated them on these dangerous investments.

Mr. Harding Said:

"I do not think that a Variable Annuity is a good vehicle for a retiree, especially given the volatility of the stock market. With a Variable Annuity you're going to ride that down with it."

Mrs. Harding said:

"I was very impressed when Phillip Cannella came into the room and said 'I'm going to call your company and ask the questions and put it on speaker phone so that you can hear the answers, and that way you know the truth about what your extra costs are.' He wanted to make sure that we knew that what he was saying to us on the white board and writing out was actually true. He wrote it out first and said this is probably what your costs are, and now I'm going to call your company and let you hear for your self. What that amounted to for us was that we were told we were getting an interest rate of say six to seven percent and we weren't told that they were going to take over three percent of that increase for them as their pay. And they take it over and over again and when you retire and you switch accounts they get a huge chunk of that."

Find out how you can get educated on Variable Annuities at https://www.crashproofretirement.com or call us at 800-722-9728.

Retired excavating contractor, John Kaufmann, discovered how Crash Proof Retirement can help protect his savings as well as guarantee growth. Phil Cannella and Joann Small educate individuals just like John on how their retirement can be worry-free with investments outside of the stock market.

Discover more at http://www.crashproofretirement.com

"I was under the impression that we were making seven percent per year compounded. Phil called the company and got in touch with one of their managers there and, he asked straight questions that we didn't understand how to ask and we got straight answers, you know, they give you a lot of paperwork to look through and almost takes a lawyer to understand what it all says. And we depend on the person to tell us what actual the meanings of all this is and they just were not truthful with us when they told us where we got the variable annuity and Phil by asking straightforward questions this
gentleman a phone who gave a straightforward answers i had a give him credit. He told the truth and we found out we had more fees involved in there than what we would ever imagine there was. I'm not used to being lied to I cuz I don't lie to people I've been in business for all my life and in all the years I've been a business I probably only had a couple of contracts that I actually had to sign. Most of it was a handshake and you know we told what we're going to do and that's what we did and everybody's satisfied. That's the way Ben this should be done - that when you to take - when you give someone your word and your hand on it that's it. And that's basically the way Phil does business too he tells you like it is and there's no ifs ands or buts about it that's the way it is. Crash Proof Retirement simply means you have that security of knowing your money is not going to just evaporate. Because that's what happens to the - when the stock market goes ups and downs you can - hear your money that you thought you had could just go away. The way the Crash Proof works you're protected year in and year out. What you have there that year, you're going to keep. It's very important to me that my money is going to be secure. If it would go away and I had to start over again I couldn't do it. So it gives me that good feeling inside that it's going to be there when I need it. For the folks are sitting on the fence, I recommend they get off the fence and pursue the Crash Proof plan because we lost money prior to being in the Crash Proof plan, and we haven't lost any since.’

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Is your portfolio getting beat-up by market risk and fees?

Crash Proof Consumers Dom and Linda Magazu said:

"The stock market often beat me versus me beating it. It took me a number of years of dealing with stock brokers to find out they wanted to make their money before I made my money.

We had contacted our Wall Street broker and we were curious as to why we were losing money, we weren't making anything, and the individual indicated how his wife and him had just come back from a trip to the islands and he's been doing that for the last five years. He earned his two percent off of our money and we didn't earn anything.

With The Crash Proof Retirement System we get to enjoy that money, and our money is compounding.

I could almost jump up and down on the table about it. We're smiling, we're beaming, we're thrilled."

Schedule an appointment today, in-person or via phone and easy to use video conferencing. Call 800-722-9728 or visit https://www.crashproofretirement.com

Are your financial statements telling a different story than what you're hearing from Wall Street?

Market risk and fees erode the gains your broker brags about, while all Crash Proof Retirement Consumers earn interest credited which is theirs to keep.

Crash Proof Retirement Consumer Connie Ace is from Warrington, PA. She said:

"When you figure what the real return is on our brokerage accounts it's not what the market says it is.

One of the nice things about The Crash Proof Retirement Program is there were no fees upfront, there are no fees for the services that they provide every year.

Having something that is independent of market losses is a real advantage. Our Crash Proof Retirement System is not a single product. The interest goes into your account. You continue to earn money on the interest as well as the rest of the account. Once that money goes into your account it doesn't go away, it's yours!"

Crash Proof Retirement appointments are available in-person and via phone and easy to use video conferencing. Call us or visit https://www.crashproofretirement.com today.

My name is Phillip Baglivo, I'm from West Chester, Pennsylvania.

The stock market's a funny animal. Nobody has any control over it, even the experts. There's so many things with international affairs and trade that could change over night.

I had a number of brokers over the years. They never gave me any guarantees. When things did go down they were hard to get on the phone they didn't even want to talk to me.

I've been Crash Proof Since 2010. The protection of the principal is there but also my interest that I make is protected. The bottom line that I came in with originally in 2010 has grown significantly and I have access to that at anytime. I could sleep better at night and feel more secure, wake up with a smile.

When you're ready, Crash Proof Retirement is here for you. Appointments are available in-person, or via phone and easy to use video conferencing. Call 800-722-9728 or visit https://www.crashproofretirement.com

Discover more at https://www.crashproofretirement.com

Celeste Twardowski is a retired teacher and discovered how the exclusive Crash Proof Retirement System can help protect her savings as well as guarantee growth. Phil Cannella and Joann Small educate individuals just like Celeste on how their retirement can be worry-free with investments outside of the stock market.

Celeste Said:
"Financially, we took a bath in the big crash in 2008 and we didn't really want to do that again, and we started hearing on Sid Mark Mornings with Sinatra about Crash Proof and we began to realize we've been gambling with our retirement. It's basically been - we've
been sitting at the casino with our retirement and it wasn't working for us. The market as everybody knows is going up down, up down, sideways, and you're at the casino, you're losing money. Tick tock.
There was absolutely no pressure with Crash Proof Retirement we felt we were given an education and we really understood what we were doing Phil Cannella was fabulous we had a problem getting our accounts transferred from Wells Fargo thanks to Phil and Joann it is being done today and Wells Fargo just dragged their feet you know I
don't know what the issue was or problem but it was ongoing we'd fill out paperwork it wouldn't get resolved. And today we have a real advocate for us in Phil and Joann and they took care of it for us and we couldn't be more thrilled or relaxed. There are no fees associated
with Crash Proof Retirement. With Wells Fargo. and other places we've had money they're nickel and diming you to death. Not only can we get protection for our initial investment but later on if
we want to have an income stream we can tailor our plan. We kind of have a guide dog to navigate us through all this confusing financial business and I'd say an advocate and a guard dog with Phil
It'll follow the market will will have gains but you know our retirement is safe that's just it's huge my husband's a Vietnam vet he has Agent Orange Sickness he's had five bypasses he doesn't need that stress. And it's taken a huge a huge load off our shoulders."

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Phil Cannella and Joann Small educated attendees at another Crash Proof Retirement Educational Event in Palm Beach County about the risk and fees of Wall Street. After the event attendees shared their bad experiences investing on Wall Street. Join the thousands of Crash Proof consumers who have attended these events and achieved peace of mind using the exclusive and proprietary Crash Proof Retirement System.

Stephen said:
"My experience in the stock market is lately it's been too volatile."

Frances said:
"I do not like to invest in too many stocks because I don't like the ups and downs I'm afraid of the downs."

Jane said:
"I took like a sixty percent loss, and after that I basically shied away from the market. It's more important to me to preserve my principal than to to get a giant boost in the market, and then have it crash down."

Chuck said:
"I was involved in the financial services industry for 30 industry as I
worked in New York I worked with some of the major financial firms United States, and I've seen some of these things from the inside especially the negative impact of mutual fund expenses on a
simple mutual fund investment."

Robin said:
"I thought I was getting money but I wasn't it was all going to the financial advisors."

Joe said:
"I can't see how anybody can make any money by investing in mutual funds because let's put it this way that everything is stacked against an individual investor so you give them your money and you hope it's going to go up and I guess if the market does go up you are making some money but at the end of the day the ones that are running the mutual funds they're the big winners."

Sue said:
"I just get to a little too nervous for the stock market so you know i like to put my money in something safe and it sounds like this is a program i'm looking for."

Get educated at a Crash Proof Retirement Educational Event near you. Call 800-722-9728 or register online at https://www.crashproofretirement.com

Phil Cannella: http://www.crashproofretirement.com

Phil Cannella: Elaine had so many concerns about her retirement future, so she attended a Crash Proof Retirement™ Educational Event. The education she got there helped her realize how much money she was losing to advisor fees. She made the switch to Crash Proof Retirement™ and is so happy that her retirement savings aren't being eaten away by unnecessary fees.

"My concerns are that what I have I'll still have plus whatever I make.
That I was still had it at retirement time. Crash Proof vehicles that Mr. Cannella told us about today is mind-blowing to someone like me I'm sure a lot of other everyday people we go to
investment advisors financial advisors. Nobody ever told me about that not even a hint that there's a chance that I could make money, have my interest still there, never lose it, they also didn't tell me about all the little hidden fees that I never see so I think this program is one of the - It's one of the best things I ever did for myself. I came into the office we had an appointment made an appointment and we came up to the office and Tammy Harrison who became my counselor started to call the companies that I had invested in and I was amazed when she put me on speaker with with the company's representative, how much money I was paying in cost. I was stunned nobody told me that that many fees was coming out of my money. Here I was losing money right and left and everybody else is getting paid but me. I was I was just shocked and I was so happy that I can't tell you what a great field is have somebody be honest with you that they will put you want on speaker with the person from the company that you have. And she has to drag this information literally out of them. One of the big pluses that you can get with First Financial is that then no hidden fees there are no hidden fees and I can't tell you how much that means mess to me. After a year being Crash Proof i have made eight percent and you know that's not easy to do in this market so I'm very happy. And the delight is in knowing that whatever you make you never lose. And I didn't have that insurance before Crash Proof Retirement to me means that now there's no doubt that I'm leaving a legacy for my daughter and for my grandson."

Call 1-800-722-9728 or visit:
http://www.crashproofretirement.com
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http://crashproofeducation.com/

After being educated on Crash Proof Retirement, Will reflects on his changed perspective on mutual funds for retirees.

Learn more at www.crashproofretirement.com

"As far as mutual funds are concerned, I was always told 'oh that's the way to go. You'll never you never have to worry about mutual funds.' and our entire pre-tax system is based on mutual funds and it wasn't doing well and here these people are getting paid anyway. And I Phil in this presentation was kind of breaking down well you have a fee for this and then there's another fee on top of it. They get paid no matter what happens to your account. It was an eye-opener to me because like I would say most people i look at the prospectus and i say this is too much legalese. I said it down. I don't have to worry about these people know what they're doing. Well yeah, they know what they're doing they're making money off for you. if you don't have a financial background and you don't know what they're talking about. This is too confusing for me to even worry about and if they want to pull the wool over your eyes on something or just have you look the other way while they're simply pocketing your money you're not going to really notice it. Because you're not understanding what you're reading. The people I work with some of them are even given up because I'm not putting my money into that fund, I'm losing it. Then they and they do their own thing. When the Crash Proof Retirement team comes to your area comes to your neighborhood, comes to a restaurant that's within a reasonable driving distance to a place you might go out just normally, take advantage of it. It's not wasted it's an evening well spent. It's very
enjoyable it's entertaining you have a nice dinner you meet some new friends and you need some people who are actually interested in your future and making it the best it could possibly be."

Bernice, a guest at a recent Crash Proof educational event, shares her plight with the big brokerage company that was handling her investments. After learning about Crash Proof vehicles, Bernice is amazed that there is somewhere else to go to protect the money she's worked a lifetime earning.

Learn more at www.crashproofretirement.com

"I'm with a large company and the money is going down. My income is going down and I didn't feel that it's as safe as it should have been, or I don't feel that he was as open with me about charges and, what it was costing me, and I was getting no place fast. You know I had heard that there's a lot of hidden fees in mutual funds, but my broker when I questioned him said 'oh everything is transparent' I said 'I need a number because i'm doing my income tax and he said 'oh that's all that's all the charges' perhaps not in exact those words but he said everything is transparent and they gave me a low figure that I knew. I knew it was not accurate. But they don't show you any of those fees. All the years they're hidden and he can say they're transparent all he wants but they're not at all. And the reason that I left it there was because I didn't know where else to go. And I never heard of anything that sounded that much better. I thought it would be if I went with another company would be the same thing. I was amazed to see - to know that there are Crash Proof investments that I could get into which certainly would be the answer to any doubts that I had or any misgivings I had about where I was. So I'm definitely interested in changing. My message to my broker will be 'goodbye' if that isn't a strong message after 30 years I don't know what is. And I'll tell him the reasons I will, you know, enumerate the things that I learned today to tell him why. And I don't care what he says."

Bennett, a guest at a recent Crash Proof educational event, is impressed with the information he learned about from Phil Cannella.

Register for the next event at www.crashproofretirement.com

"I learned today from the Crash Proof Retirement education that I there's a chance out there - a very good chance that I can do much better than I've been doing. I'm impressed with the idea that i will not lose my principal, and even if the stock market does go down, that this is a different vehicle for making money than I've been exposed to in the past. And I like - I got a good gut feeling from Phil that he's honest and I haven't gotten that from any financial advisor in the past. I asked when I set up the financial advisor - my accounts with my financial advisor - I asked at point-blank I've you know it's it's an obvious question how do you get paid? You know, basically how are you how are you taking my money? and he said yeah, it's a percentage fee he did not mention some of the other fees that I learned about today. So he was not as honest as he could have been. If I hadn't realized that pretty much he's taking what he's giving me that it's almost a Mexican standoff type of a situation. I'm not quite sure that I would have chose the product that I did. This was definitely the first time that I was educated on on the different fees that - that they are charging me obviously I feel a little - with egg on my face I'm not doing a little more research and not understanding. I took this guy - i'm a very trusting man - after my experience with my financial advisor i'm not quite so trusting. But again, I'll reiterate, I did get a really good honest feeling from Phil today. I would definitely recommend Crash Proof Retirement education to my family and friends i'm going to - anybody I speak with regarding where I was today and what I did today, I obviously tell them about it i'll tell him about how I feel. How I can't came away from the meeting feeling with the trust factor highlighted."

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Many investors don't know about the fees charged by their Mutual Fund managers, but those fees could be devastating your nest egg. You can get educated about these fees by attending a Crash Proof Retirement Educational Event.

"I learned today that there are hidden
fees that I'm paying and didn't know that
I was paying."

"Mutual fund fees I had learned about some time ago and we have no mutual fund investments. Simply because I I just felt they were always so expensive and particularly in the climate - economic climate that we're in mutual funds are not making a lot of money and yet with a little bit that it does increase, out it goes through your fees. And so you're not ending up with much plus money."

"When Phil talked about the mutual fund fees I don't know about everyone else in the room but I was certainly I was just amazed with the amount of fees and the number of fees no matter what the what the name of the fee is it's just additional fees you think you pay one fee but you pay two or three fees, or upfront front-loaded, fees back-loaded fees ongoing fees just fees. I was very surprised."

"I didn't know of any other investment opportunities that would eliminate the fees."

"I have mutual funds and and my mistake was that because I thought I was in a no-load vehicle this seminar made me realize that even though my vehicle was no load I'm still paying fees because there are mutual funds within my portfolio as well as a variable annuity which I'm really really upset about. So, we're going to have a come to Jesus meeting tomorrow."

"I was very glad that that Phil got into the mutual fund because you really don't know a lot of details - the little holes as he mentioned in the mutual fund. You know, the percentage that they're making. And I thought what was interesting is that that when they're changing mutual funds and they're charging you for that change and then they start going down where they're going to charge you for
that as well because they're going to have to get in and see what they can do to put in a play. So it's like a seesaw, I mean while you're losing and they're still making money in the long haul. And that that's kind of like you don't like that too much."

http://www.crashproofretirement.com

If you invest in mutual funds, you're being deluged with fees. Many people don't even know how much they're paying in fees, or that those fees are eating into their profits. Get educated and find out about the hidden fees that are stealing your investment returns!

"We did know there were fees and the amount that's charged is pretty high, but we didn't know that there were - how many of them - to make it that high we thought that that was the normal fee that was charged. We didn't know that there were all these little hidden things. Those things were never discussed."

"I did not realize that there was so many fees coming out of these security funds that I have I didn't even know that the numbers or the names of the accounts and they are very disturbing that they are taking money out of my accounts,"

"I have heard this 12b1 whatever fee I've heard that many many times, but I never knew what it was. I never realized what it was. I didn't know about the that in addition to that there were the other fees. I did not know that all of those fees were being were being charged."

"I love my financial advisor, but on the other hand i did not realize how much i was paying in fees and I think Phil made that pretty clear."

"In terms of fees with the mutual funds, yes, I was well aware of funds especially the 12b1s. The redemption fees and the overall course. Fees are the nature of the game. Everyone expects to make a little money off of your money the key is having you make more money off your money and then make far less. And that's what I think this seminar help me with. That I liked. that's attribute - that return that goes right back to your total return on what you're investing. The less they make the more you make the more total return you have on your investment."

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Discover more at https://www.crashproofretirement.com

Vince Liott from West Chester, PA, discovered how the exclusive Crash Proof Retirement System can help protect his savings as well as guarantee growth. Phil Cannella and Joann Small educate individuals just like Vince on how their retirement can be worry-free with investments outside of the stock market.

Vince said:

"Markets went up and markets went down but the the broker that I'm dealing with always got their commission. And I just wasn't happy losing money in falling markets. I heard of Crash Proof Retirement program through basically radio ads back in 2012. I attended a
meeting, got some reading material, the Crash Proof Retirement never tried to sell me a thing. All they did was provide the information. They answered the questions that I had about: How did they guarantee my money? How do you get paid? What happens if the markets go up or down at some point? What happens to my
nest egg my retirement? I've been Crash Proof since 2012, the markets have been up and down dramatically during that period, but I'm very satisfied with my more than six percent return over the
time period. I've never been asked for a fee I haven't been sent any
messages regarding any fees, and I expect not to pay any fees ever in the future! The Crash Proof Retirement program, that's one thing I can depend on every day. My message to Phil and Joann is to
continue what you're doing it's been a benefit to me and others i know that are in the program and thank God for Phil and Joann.”

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News surrounding The Coronavirus and its effect on Wall Street has caused sleepless nights for many investors. During these uncertain economic times Crash Proof Retirement Consumers understand the value of peace of mind.

Phyllis Diehl has been Crash Proof Since 2015:

"Crash Proof Retirement is a lot better than dealing with Wall Street. I'm not laying awake at night worrying whether the market's going to be higher today or tomorrow. I don't have to worry about the fact that I'm going to lose what I already have. And there are no fees charged, and you can't get better than that."

Our independent educators and staff will continue to accommodate our consumers via phone and easy to use video conferencing. If you can access email on your personal computer, tablet or smart phone, then you will have access to the benefits of a Crash Proof Retirement Education. When you're ready to protect your retirement future, Crash Proof Retirement is here for you. Call us, 800-722-9728 or visit https://www.crashproofretirement.com.

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Has your broker said, "We only make money when you make money?"

Well, what's happening now that the market's down?

Behind closed doors brokers can make whatever claims they want without consequence. That's why every meeting at Crash Proof Retirement is recorded and held in one of our "Truth Rooms." To ensure Truth and Transparency for you, The American Retiree.

Ed Tomkiewicz, from Exton, PA explained his thoughts on the Truth Rooms at Crash Proof Retirement,

"A lot has been said about being a fiduciary. Crash Proof Retirement earned my trust. When you come in everything's recorded. These Truth Rooms I think is proof that they are fiduciary.

I have a team of expert people that have me as their first concern, and you don't pay any fee!

I would expect some kind of fee knowing what stock brokers do and they're losers. I'm with The Crash Proof Retirement Team and I'm making money, and I'm not paying them for it. What can I say!"

Schedule an appointment in one of Crash Proof Retirement's Truth Rooms, and get transparency about your retirement future. Call 800-722-9728 or visit https://www.crashproofretirement.com.

Discover more at https://www.crashproofretirement.com

Dr. John Esposito, a retired dental professor, and his wife Barbara, a retired teacher, discovered how the exclusive Crash Proof Retirement System can help protect their savings as well as guarantee growth. Phil Cannella and Joann Small educate individuals just like John and Barbara on how their retirement can be worry-free with investments outside of the stock market.

John Said:
With the Crash Proof Retirement System you have a principle you're going to put this principle into something that is going to work for you without any fees whatsoever. When we had when I had my
money in the 403b there's fees coming out of it. Even if you think you're making seven percent or six percent a year by the time the fees are coming out you really maybe making one or two or
three if you're lucky, so that's very important that you can put your money in a safe environment. We're finished three years with the Crash Proof Retirement team and our average return over three
years has been about five percent and that interest stays with your account forever so that the following year the interest is compounded onto it, that's very important.

Barbara Said:
I was very nervous about the - our future and where we were going
to put the money when he did retire, but once i spoke with Phil Cannella and Joann
small it was easy for us to make that decision. I never felt intimidated, they were so warm and inviting I felt like I was among friends.

John Said:
You cannot make an informed decision in anything in life unless you get educated number one. I tell my students all the time knowledge
is powerful, but it's very - it's powerless unless you can transfer that
knowledge to someone else, and that's what we get here you have. You have to get educated I would make an appointment as soon as possible maybe yesterday to talk to Phil Cannella Joann Small the
Crash Proof Retirement team go there they're not going to do anything except educate you it's going to be a process for at least three sessions we went more than that and then you make up your own mind.

Barbara Said:
Phil Cannella and Joann Small should be canonized okay because they really are looking out for us.

John Said:
We're family oriented we came from that background and this crash through retirement teams from secretaries to Phil and Joann They are family as far as I'm concerned they're family."

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Eileen Flor is a teacher from Richboro, PA and her husband Doug, who retired from Exelon, discovered how the exclusive Crash Proof Retirement System can help protect their savings as well as guarantee growth. Phil Cannella and Joann Small educate individuals just like Eileen and Doug on how their retirement can be worry-free with investments outside of the stock market.

Doug and Eileen Said:
“With my CDs I was making - on a good day, one point something percent in the last few years, and when he told me the amount he made - it was a lot more."

"I told her that I wasn't worried about my money anymore. I felt really secure and I like the program. I like the idea that as long as the stock market's doing good, we're doing good. But if stock market crashes, everything levels out, and we don't lose anything."

"I'm very glad that I came tonight because now that I've met Phil
and Joann I felt as if they were going to give me the time to make something particular for me that's going to work for me."

"Crash Proof Retirement was able to customize a program for me. I told them the types of things that would make me feel insecure, and they don't have anything like that in there. You never can go lower than the amount that you put in. That, to me, just made me feel really secure. Your entire portfolio is backed you're not worried about losing - well, 'a certain amount' even if the market changes drastically. The financial advisors here do not take any payments
and there's no hidden costs. I feel really good about that because I had gone to some other financial advisors and they were going to be taking out a big chunk every year, and the problem with that is, i wasn't receiving a large chunk."

“There seems to be a lot of imitators out there lately. Last year or so I've been hearing about them, presenting their pitch. The innovation that Phil Cannella brings to us was, years in advance of that. Phil is needed in this industry there's so much insecurity, and lack of security in our system right now, it's nice to have something that can be fit harmoniously within that within our overall democracy. It gives us an extra freedom that we can do with our money. Over the last five years Crash Proof Retirement has as good made peace of
mind with my final finances overall I enjoyed basically protecting my money and I feel much more at ease and actually freed up in a way to live my life, without having to worry too much about it."

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Phil Cannella and Joann Small have made education the foundation of The Exclusive Crash Proof Retirement System. As you will hear from these Crash Proof Consumers, there is no sales pitch.

Retired Teacher Celeste Twardowski and her husband Ted Twardowski said, "Crash Proof is like the Cadillac of educations, it's like going to college for your finances and learning how to manage your money better and how to keep it safe. The education we've received is priceless."

Temple University Dental Professor, Dr. John Esposito said, "I've been in the field of educating students for over 40 yrs. Knowledge is a very powerful thing, but it's powerless unless you can transfer that knowledge to someone else, that's what Crash Proof Retirement does. As an educator my whole life, what Phil and Joann are doing for the retiree in this country is to be commended."

Retired Math Teacher Patti Pierantozzi from Lansdale, PA said, "When we got here at Crash Proof Retirement we met Phil and Joann, they came in and I said, 'Where do we sign.' They said, 'No you don't sign we have classes. In fact there's three times that you'll have to come see us.' We learned more on the second time, then at the next meeting that we came to we actually went through the nitty gritty of what we could do. At that point I feel kind of powerful because now I know what annual point to point means, I know what averaging is. I know a lot of terms, and I thought I knew a lot because I was a math teacher, but I was able to learn things and through Crash Proof I feel like I'm an informed consumer."

Nick DeVirgiliis from Turnersville, NJ said, "I would say Crash Proof Retirement is going back to school a little bit and investing some time. The time you invest will pay you in the long run. Look at it as when you went to school, you didn't get your whole twelve years education in the first morning that you got there. My visits to Crash Proof Retirement have educated me on things I did not know, and when you're talking about your own money they're things that you should know."

Connie Ace from Warrington, PA said, "Phil and Joann were very good at documenting the things that they told us. Where they had referred to publications, they had copies of those publications. Where they quoted people they actually had videos of people saying those things. I particularly appreciate the educational component, so you don't have to come in and trust blindly, and now three years into the program we really have validated that the things that they told us were true."

Watch more testimonials at: https://www.crashproofretirement.com

Phil Cannella educated Professor Frances Howson on how to protect her money and guarantee growth even if the market crashes with her customized Crash Proof Retirement Plan.

Frances said:
"I was invested through a brokerage company with all stocks. The fact is that Wall Street just wants to make commissions. They reward the broker more than they reward the investor. I heard about
the Crash Proof plan on the radio. It's not as if you're sold anything
you're explained, you're taught, it's an education it's stuff that I was never privy to - and I grew up in a financial you know network family. Brother and Father - they don't ask for your checkbook you get to sit down and ask questions. If you put in - I'm going to say $500,000
you're not gonna lose that $500,000 it stays there it might go up it may stay flat for a year but you don't lose it I know the markets gonna crash I know it because it does it every few years and
I've seen it happen over and over. I don't have to worry about that now I have a team and I have a plan.”

Register for a Crash Proof Retirement Educational Event near you. Visit https://www.crashproofretirement.com or call 800-722-9728 Today.

Phil Cannella and Joann Small of Crash Proof Retirement were able to provide sound financial advice on Sid Clemen's retirement plan.

Sid Said:

“I must have heard your advertisements for three or four weeks, because I want to learn, learn, learn, learn. Then, eventually I met with Joann and she really explained everything really well to me.
It was what I wanted to do because I didn't feel pressure. That's really good I hear some other companies that - I know they're getting big numbers but - is it going to last for them? I don't think it is because I've seen it happen to me. And I don't need to go through that again. I haven't had any kind of fees that I need to pay. And there won't be in the future either. I believe in the company, and I believe that it's gonna do me well because they just keep looking at the things that I need. Crash Proof Retirement is a solid company
that looks for my best interest in investments. They really are concerned about me. And that is the bottom line. You need something that you can trust and this is the best thing I've ever found, other than God.”

Register for a Crash Proof Retirement Educational Event near you. Visit https://www.crashproofretirement.com or call 800-722-9728 Today.

If your Wall Street firm claims, "They only make money when you make money." Then you're not getting the whole story from your broker.

Retired teacher Celeste Twardowski came to Crash Proof Retirement in 2015 and has received market like returns without the fees ever since.

She said:

"We've been with Crash Proof Retirement since 2015 and every promise they've made us has panned out. We have no fees, we will never lose our principal, we always have access to our money, our money is growing, it's safe.

To have the peace of mind of being with a legitimate company, that's money in the bank. Who knows what 2021 is going to hold, but I do know our future's held in safe keeping Crash Proof Retirement."

Appointments are available in-person, or via phone and easy to use video conferencing. Schedule an appointment, 800-722-9728 or https://www.crashproofretirement.com

Phil Cannella and Joann Small of Crash Proof Retirement were able to provide sound financial advice on The Lee's retirement plan.

Frank said:
“I heard about the Crash Proof Retirement on the radio and I listened for about a year. I really was interested in the fact that no one lost money and I talked to my wife and we made a call, made an appointment. Phil and Joann took us through the process and it was
informative. We had no pressure whatsoever. Everyone was very pleasant said this is what - These are the decisions you can make
here's five different options. There is no charge for any information any value that the company gives to you. The concern is you. Everyone in the staff seems to worry about how much are you going to make how stable can you be. And we were very pleased with that.”

Diane said:
“Any time I had to call everybody was available and if they were not available at the time, they would certainly get back to me and they took the time to really make sure that could explain it to you in your terms so that you could understand what was going on.”

Frank Then said:
“We could have still been in the stock market and lost as much - twice as much as we made but in fact Phil and Joann have made it possible that we would gain money instead of losing money.” I am going to continue watching the stock market so I can now laugh at it instead of having indigestion over it, and I feel more confident in the road that we're on now. For those people who are sitting on the
fence about the Crash Proof Retirement I would recommend them highly to get to some of the meetings, get to listen to Phil speak, Joann speak, and make up your own mind it's not a gimmick it works I can test I'll write you a letter to it I can contest to it I get if they allow me would give you my phone number to tell you. But the actual program works and they allow you to pick your product with
their guidance, so you can maximize your funds, and get the most results.

Register for a Crash Proof Retirement Educational Event near you. Visit https://www.crashproofretirement.com or call 800-722-9728 Today.

Doing your financial research is imperative these days, given the abundance of risky financial plans and investment scams masquerading as safe alternatives to the stock market.

What makes The Exclusive Crash Proof Retirement System different is it's proven track record of truth, transparency, and protection from the pitfalls of Wall Street.

Crash Proof Retirement Consumer Allan Ruhling, an internal auditor, thoroughly researched Crash Proof Retirement before investing in 2014, and rests comfortably knowing he made an informed decision for his financial future. He said,

"My background is I'm an internal auditor, so I ask a lot of questions. I probably spent a good 12-15 hours going through my questions and Crash Proof Retirement coming up with answers. You couldn't stump 'em on any question, and I appreciate Phil, and Joann, and The Crash Proof Retirement Team, taking their time."

Crash Proof Retirement appointments are available in-person or via phone and video conferencing. Call 800-722-9728 or visit https://www.crashproofretirement.com today.

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The Exclusive Crash Proof Retirement System Offers Consumers True Liquidity. So no matter your dream destination it becomes a reality in retirement.

Crash Proof Consumer Richard Burt said:

"I was able to fulfill a dream of my wife's this year, take her to Hawaii, by using the money from my Crash Proof Retirement. The money was readily available no problem. Just call up and say I need this money and it's on its way. The fact that I can get to my money with no charge and no hassle is a great opportunity for me."

Dr. Gerald Skobinsky of Elkins Park, PA said:

"Crash Proof Retirement has allowed us to take out money so that we actually live the same lifestyle like we had when I was working. Besides social security it is our source of income. We're married now 54 years and we took our big 50th anniversary trip to Africa at a level of luxury that was befitting 50 years of marriage. And it was only because we weren't worried that we were going to spend down the money we needed for day to day activities and the money we made allowed us to 'play' at a wonderful level."

Reverend Sam Lepore said:

"I'm so excited about Crash Proof Retirement. I never thought it was going to be this good. And I get an income from Crash Proof Retirement every single month. Crash Proof Retirement is allowing me this year to travel to Italy, with my wife. We both have family there, I have two sisters there and this year is sort of like a reunion. We're buying our tickets and because of Crash Proof Retirement we're able to do that. We have 30% plus more than our principal when we first started at Crash Proof Retirement and that makes us smile. That's money in your pocket earned from Crash Proof Retirement."

Patty McKinley from Berwyn, PA said,
"So far we haven't taken any money out of our Crash Proof Retirement System. However, we're about to go to Florida to buy a house. We just met with our Crash Proof Retirement Educator and asked him if we need to take some money out, can we take money out without penalty? And yes we can, every year there's no penalty and that put our mind at ease with buying our home. Yes, we're ready to live out our retirement dreams thanks to Crash Proof Retirement."

Begin your Crash Proof Retirement Education with a licensed educator at either our PA or South Florida offices. Call 800-722-9728 or visit https://www.crashproofretirement.com today.

Since 2015 Crash Proof Consumer Kathy Driscoll had been enjoying a Crash Proof Retirement with her husband. But when their future suddenly became unclear, they were prepared. Crash Proof Retirement built liquidity into their system for the unexpected and interest credited, insuring they would continue to enjoy their Crash Proof Retirement.

Kathy Driscoll who's a retired nurse said,

"We've had some unfortunate circumstances in the last couple years where we've had to withdraw some money, which we never thought we'd have to do this early. Through this Crash Proof Retirement System we were able to withdraw some money that we desperately needed. And then found out that even though we withdrew these monies, we actually still made money. We still made more than twice what we withdrew. We're still on the plus side and we're protected that we'll never ever lose anything."

Find out how you can have peace of mind, just like Kathy, at a Crash Proof Retirement Educational Event near you. Register today, 800-722-9728 or https://www.crashproofretirement.com

The Exclusive Crash Proof Retirement System provides guaranteed growth that you can reach out and touch. Just ask Crash Proof Consumer Susan Turner:

"The Crash Proof Retirement System that was designed for me meets all of my needs. I have a enough money left out for liquidity in case I want to take a trip or do anything. It just fit all of my needs. And the main thing to me is that I have one daughter and when the time comes that I'm not here any more, she'll have the money that I worked hard to accumulate. Which I'm free to take some out at the time, but it will still grow and it's just a win win for my whole family. By not charging fees and by the way that they've crafted the whole system they truly are looking out for the consumer. Crash Proof Retirement means security, peace of mind, and I think that anyone who knows of it and doesn't take advantage of it is doing themselves a great disservice."

Reserve your seat at a Crash Proof Retirement Educational Event near you, with Phillip Cannella and Joann Small. Call 800-722-9728 or visit https://www.crashproofretirement.com

The Exclusive Crash Proof Retirement System Offers Consumers True Liquidity.

Stan Stagg said:
"With The Crash Proof Retirement System, they allowed us to design a program that gave us the liquidity we needed with our money. There was a certain amount of money we needed to have available to us and they made sure that we would have that liquidity up front and then designed a system that would also allow us to have some access to the money we needed over time but still protect our nest egg. That was very comforting for us because it was something we needed and it was very comforting that the program they designed allowed us to have that. We enjoy doing bicycling, some friends of ours are kayakers, so the fact that we can do that is very comforting and it makes for us to look forward to a lot of fun times together"

Begin your Crash Proof Retirement Education with a licensed educator at either our PA or South Florida offices. Call 800-722-9728 or visit https://www.crashproofretirement.com today.

Get the facts on The Exclusive Crash Proof Retirement System from Crash Proof Consumer Paul McComb, who's experienced peace of mind for himself and has financial independence in retirement.

These days misinformation and hidden agendas have clouded financial reporting. The only way to get the truth about an investment is by going straight to the source. Get the facts on the exclusive Crash Proof Retirement system from Paul McComb who enjoys his financial freedom.

Paul said: "I was hoping to retire at you know the regular retirement age, but, due to a few health problems I had to retire early, soI had to take some income out of my investments with the Crash Proof System. I've taken well over a hundred thousand dollars for my living expenses and my wife and I. My investments are thousands of dollars higher today than they were when I started. With the Crash Proof Retirement System, out of one of the contracts I gained eight percent. I have gained several times some double-digit
returns, so my overall returns have been great and and never at risk of losing a dime.“

Call 800-722-9728 or visit https://www.crashproofretirement.com and get educated at a Crash Proof Retirement Educational Event near you!

Rosemarie Strippoli is an Artist who's been with Crash Proof Retirement Since 2009, she said:

"Crash Proof Retirement is a work of art. I have had 4.3 percent interest credited to my accounts. I get monies out on an annual basis. It takes a creative mind to put all the pieces together. Crash Proof Retirement did paint me a beautiful picture for my retirement."

Appointments are available via phone and video conferencing. Call 800-722-9728 or visit https://www.crashproofretirement.com. And be sure to tune in to The Crash Proof Retirement Radio Show, with Phillip Cannella and Joann Small, Saturdays at 11 AM and Sundays at 1 PM on Talk Radio 1210 WPHT in Philadelphia, and Sundays at 8 AM on Legends Radio 100.3 FM in West Palm Beach.

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Retired Teacher, Larry Kipp, discovered how Crash Proof Retirement can help protect his savings as well as guarantee growth. Phil Cannella and Joann Small educate individuals just like Larry on how their retirement can be worry-free with investments outside of the stock market.

Larry Said,

"I knew that I couldn't lose principal and so when the crash came I knew my money was safe. You shouldn't gloat maybe but people talked about all the money they'd lost and I can sit there and say 'Well I didn't lose any.' And when the market starts to grow again, I start gaining interest, I don't have to wait for it to go back to where it was to gain that interest either. I haven't incurred any fees doing this, I'm very satisfied with the service. I would say there is such a thing as a Crash Proof Retirement, I have proof of it."

Schedule an appointment today, 800-722-9728 or https://www.crashproofretirement.com

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Retired HR Director Aileen Glass discovered how the exclusive Crash Proof Retirement System can help protect her savings as well as guarantee growth. Phil Cannella and Joann Small educate individuals just like Aileen on how their retirement can be worry-free with investments outside of the stock market.

“I sat with Phil personally along with my ex-husband. Phil made a good case about not having to worry specifically about the ups and downs of the market. And after we left, talked about it for a while, and came back for a second presentation and signed up. Back in 2008 when the market suddenly took a big drop my neighbors and friends were worried about their investments. A lot of people took money out of their savings because they were afraid that the market was going to be even worse, and I was comfortable I never had to worry about any of that. The Crash Proof Retirement System worked and we lost nothing. I have not had to pay any fees, and I'm very comfortable with the way this whole process has gone. All of the people that I have had contact with in Crash Proof Retirement have been wonderful. Phil is great. He's very detail oriented he answers all of my questions he tells me about every option that I can have and makes great recommendations. Joann is always happy to see me and remembers me from our original meeting. Having been with Crash Proof Retirement since 2006 I have always been very satisfied I would recommend this to all of my friends and relatives and I have recommended it to several friends.”

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Crash Proof Consumer Peg Ward, of Harleysville, PA missed the market crash of 2008, and as a result was able to enjoy her vacation in Vermont, instead of worrying about losing her life savings.

Peg said:

"We began looking into certain ways to make our life more secure because such a dip in the stock market and we didn't like that experience at all, and that was in '07. And as you know the market dipped again severely. At that time we were vacationing in Vermont and were feeling very happy on vacation, the trees are beautiful, and we're thinking, 'Oh my god what has happened to our money?' I put a call in and Phillip Cannella answered the phone. And I said, 'Phil tell me, what do we have to be worried about with this dip again?' Not one thing he said, enjoy your vacation because you deserve it and you don't have a thing to worry about, and I said 'Yipeee!'. We're not only not showing a dip in our money, but we have an increase in our money. Our money has just moved along smoothly comfortably, we sleep well and couldn't be happier."

You can protect yourself from the next market crash. Get educated by Phillip Cannella and Joann Small at a Crash Proof Retirement Educational Event near you. Call 800-722-9728 or visit https://www.crashproofretirement.com

Emilio Visco has been with Crash Proof Retirement Since 2007. He is elated to have earned an average 4.1% interest credited through two market crashes.

"As long as I've been with The Crash Proof Retirement System, even thought he market's up and down and people have lost money and then have to regain it back again, with me that never happened. The market was crashing, but still I made money. I've averaged 4.1%. I can smile and say 'Thank God I did the right thing at the right time.'

Appointments are available nationwide via phone and video conferencing. Call us, 800-722-9728 or visit https://www.crashproofretirement.com.

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Retired DuPont Engineer Barry Keiser discovered how the exclusive Crash Proof Retirement System can help protect his savings as well as guarantee growth. Phil Cannella and Joann Small educate individuals just like Barry on how their retirement can be worry-free with investments outside of the stock market.

Barry said:
“Crash Proof Retirement has given us some - I guess peace, confidence that we don't have to be constantly, every month checking on the stock market to see how it's going, or what we need to do, what's changed from here to there it's - We have our money in one place where we have the confidence that it's doing as well as it could be. As it could do. We were reaching in retirement age and wanted to do something more constructive with our money I was getting tired of following mutual funds year after year and trying to change the money from one thing to another. When 2008 came along and the market took such a dip, we were very happy that we had gotten into this well before that so so the crash in the market did not did not affect us. We had a review today, and which we've had every year. I was very pleased with our review today I felt that they handled things very thoroughly and carefully, and really helped us to see where we were and any changes that we needed to make. For people who are wondering about what to do with their money or they're on the fence, I would tell them to at least check out First Senior Financial. I could assure them that they would not be pressured they would not be put in a place where they felt that they had to go along but they they would be educated they would know what the possibilities were and then they could make their own decision. We have appreciated Mr. Cannella as well as his staff we've had very very good people to work with and we've been very happy with them."

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Retired from Dupont, Marianne Layng, discovered how Crash Proof Retirement can help protect her savings as well as guarantee growth. Phil Cannella and Joann Small educate individuals just like Marianne on how their retirement can be worry-free with investments outside of the stock market.

"I had been through the 2001 thing with a lot of investment in computer stocks, technology stocks, and so, I knew what it could do to your money if - there was no protection. And so I thought this is the time of life to really not take that kind of risk. The luncheon I went to and the presentation, I thought they were really well done, and we decided well we can go and just have one appointment maybe find out a little bit more. The real appeal was that there was a way to grow the money that followed the stock market but it wasn't in the stock market, and if the stock market really dropped, then your money stayed exactly the same. We took it one step at a time at each step of the time each appointment or conversation with Phil, he had the answers to our questions, and it was just wonderful. He uses the visuals well if there's something I don't quite understand, and I walked away from everything totally understanding it I don't keep up with stock market at all as much as I used to. It's given me time to focus on a lot of other things. We've had a number of different contracts we had one where there was a twenty-two percent return the first year. No losses. I think that's very nice not having to worry at any time during that period of time about losses. I do have a message for Phil and Joann I think that what they've brought to us seniors genuinely is a value that we just can't find in the brokerage houses."

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Planning & Education

Phil Cannella, Retirement Phase Expert, educates investors on how to protect their nest eggs in preparation for the retirement phase of life.
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The Crash Proof® Analysts on our salaried design team will conduct a Financial MRI on your current investment portfolio to identify potential risks to your retirement future.

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Performance Reviews

Financial Experts

All Crash Proof® consumers are able to request their own complimentary Annual Review to modify the strategies within their customized Crash Proof Retirement System.

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Tailor Fit Plan

Financial Experts

Every Crash Proof Retirement System is designed differently to address your unique financial concerns and retirement goals.

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Crash Proof® Investments are not Stock Market Investments

The Crash Proof Retirement® System is more than just a retirement strategy. Crash Proof Retirement® is a unique philosophy. The Crash Proof Retirement® System was born from the ashes of the financial collapse of 2001 (when clients of financial planners in King Of Prussia, Philadelphia, Florida, and nationwide lost big time). Retirement Phase Expert Phillip Cannella saw how many retirees were struggling and decided it was his responsibility to do something about it. That’s when Phil Cannella developed the Crash Proof Retirement® System to bring consumers what they so desperately needed: an investment strategy that guarantees preservation of principal, while still achieving adequate growth that exceeds the pace of inflation. All those investors who lost money in 2001 and 2008 probably wish they had received an education at a Crash Proof Retirement® event because then they would have known about the Crash Proof® Investments outside of the stock market that have saved thousands from financial ruin – the kind of Crash Proof® Investments other Financial Planners in Philadelphia and Florida won’t tell you about. Crash Proof Retirement®’s clients, on the other hand, have no Crash Proof Retirement® complaints after they weathered the financial storms of 2001 and 2008 and achieved positive growth.

Phil Cannella’s Crash Proof Retirement® System is a one-of-a-kind retirement strategy that works with a medley of interest-bearing Crash Proof® Investments, financial vehicles that do not erase gains in the event of a market downturn. In fact, all Crash Proof® investments used by Phil Cannella within the Crash Proof Retirement® System are completely absent of fees, protecting you from losing your principal. The special Crash Proof Retirement® Vehicles hand-selected by our team of financial analysts are consumer-driven investment tools designed to provide the kind of safety that is needed to get you through retirement. You won’t find a financial advisor in Philadelphia, Florida, or anywhere else who will tell you about these Crash Proof® Investments; the retirement planning philosophy that Phil Cannella created is really that unique. Phil Cannella’s Crash Proof Retirement® is the only retirement planning company that’s consumer-driven enough to recommend Crash Proof® investments with no up-front costs or recurring fees. Just ask the thousands of retirees who have already been helped by Phillip Cannella’s system; you’ll hear no Crash Proof Retirement® complaints from them.

“Crash Proof Retirement® means more than just a retirement strategy, it means peace of mind.”

-Phil Cannella, founder of the Crash Proof Retirement® System.

Financial Advisors for Crash Proof Retirement®

Looking for a financial advisor in Philadelphia or Florida? Crash Proof Retirement® is located right nearby in Headquarters in King of Prussia, PA and our Southeast Regional Office in Palm Beach Gardens. Sure, you could go to a Philadelphia financial planner or a Palm Beach financial planner, but they would never tell you about the Crash Proof® Investments outside of the stock market that are utilized in Phil Cannella’s Crash Proof Retirement® System. Financial advisors in Philadelphia, Palm Beach, and other areas are only interested in looking out for themselves and the fees they’ll be collecting directly from your retirement accounts. Phillip Cannella was a different kind of advisor, one who understood how Crash Proof® Investments work, and how they fit into your retirement portfolio. At Crash Proof Retirement®, we’ll show you the kinds of investments those financial advisors in Philadelphia and Palm Beach keep to themselves because we focus on being consumer-driven and protecting your assets from being lost to fees and stock market volatility. After decades of helping retirees get educated about Crash Proof® Investments not found in the stock market, Crash Proof Retirement® complaints are hard to come by and our clients are so satisfied with the Crash Proof Retirement® Plan. Just ask any one of them what they think of Crash Proof Retirement®. They’ll be happy to tell you; in fact, our clients provided us with hours and hours of positive testimonials.

Joann Small-Cannella, Traci Stillman, and the Crash Proof Retirement® team invite you to register for an exposé on the financial industry that is unlike any other.

At these events, Crash Proof Retirement® CEO, Traci Stillman educates people in or near retirement on how to protect their nest eggs with the proven solutions backed and guaranteed by the entire financial life insurance industry.

Financial advisors in Philadelphia and Palm Beach won’t tell you about Crash Proof® Investments; the only places to find out about them are at Phillip Cannella’s Crash Proof Retirement® Educational Events and Headquarters. Here are just a few of the topics that will be covered at our Crash Proof Retirement® educational events:

Warning: Not understanding recent changes to IRS laws will make your retirement accounts (401(k)s, IRAs, etc.) a ticking tax time bomb!
Learn how you can diffuse these tax threats through a little-known IRS law.
Watch exclusive interviews with powerful industry leaders, esteemed economists, top researchers, & highly ranked federal officials, that document why Wall Street is not set up to provide you with a fiduciary responsibility.
Of the over 6,000 Crash Proof ® Consumers, the average rate of interest on Crash Proof ® Investments (credited annually) is 4-6% with no market losses on principal or interest increases, and no fees whatsoever.
Discover proprietary inflation fighters that can increase your income up to 35% without depleting your nest egg.
Witness as we reveal the Exclusive Crash Proof Retirement® System that ensures you never lose a penny of your principal documented by a Wharton School of Business study.

Each educational event is followed by a complimentary meal. Seating is limited and registration is required. Reserve your seat for this one-of-a-kind education today!

2 Office Locations

5,000 Trusted Clients

300 Video Testimonials

50 Events a Year

In Loving Memory of Phillip J. Cannella III, creator of Crash Proof Retirement®

It is with heavy hearts that we remember Phillip J. Cannella III, the visionary Founder of Crash Proof Retirement® and The Exclusive Crash Proof Retirement® System. Phil passed away peacefully on January 8th, 2025, at 2:30 AM, surrounded by his wife, and longtime business partner Joann Small-Cannella, and his family. He was 69 years old.

Diagnosed with Stage 4 bile duct cancer on May 2nd, 2022, Phil fought his illness, as he lived his life, with great courage, grace, principles, and a determination to live each day to its fullest, working every day on behalf of The American Retiree to the very end.

To quote Phil: ‘It’s not the number of years in your life, it’s the life you put into the years you live.’

Phil’s legacy is characterized by his unwavering commitment to consumer advocacy, always guided by a steadfast belief in truth, logic, and wisdom. Phil always believed, ‘In a world of deception…Truth and Logic will always prevail.’ Through this guiding philosophy, he transformed the financial landscape, over his illustrious 51 year career, helping over 6,000 Crash Proof® Consumers navigate their retirement future. This very philosophy also steered his remarkable journey—from founding First Senior Financial Group (which later evolved into Crash Proof Retirement®) to launching the one and only Crash Proof Retirement® Radio Show on Philadelphia’s #1 Radio Station, 1210 Talk Radio, and ultimately establishing his own media company, Retirement Media Inc.

His advocacy for the everyday American extended well beyond his client base. Phil’s philanthropic efforts touched the lives of countless Americans and patriots in need of financial and emotional support, benefiting organizations such as The Children’s Hospital of Philadelphia, The Vietnam Veterans of America, The Tunnel to Towers Foundation, Semper Fi, and America’s Fund, and many more. In his own words, ‘You can make a living from what you earn, but you can make a life from what you give.’

Although we are devastated by Phil’s passing, the most important message that we would like to leave with you is that Phil, along with Joann, took great care over the years, even before falling ill, to ensure that the safeguards, protections, philosophies, and core values that have always been the foundation of Crash Proof Retirement® will live on and that the unparalleled consumer protection provided by The Exclusive Crash Proof Retirement® System will continue to grow and thrive into the future. Phil’s legacy lives on through our executive team led by Joann Small-Cannella and our newly appointed Chief Executive Officer Traci Stillman, as well as our team of consumer advocates at Crash Proof Retirement® – all of whom share the same foundational values that made Phil the financial gladiator he was. We are forever indebted to the knowledge and passion he shared with us and our promise to Mr. Cannella is to always preserve his legacy forever. His vision continues to drive Crash Proof Retirement® forward in the pursuit of a better life for all Americans.

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The Crash Proof® Analysts on our salaried design team will conduct a Financial MRI on your current investment portfolio to identify potential risks to your retirement future.…

All Crash Proof® consumers are able to request their own complimentary Annual Review to modify the strategies within their customized Crash Proof Retirement System.…

Every Crash Proof Retirement System is designed differently to address your unique financial concerns and retirement goals.…

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Financial MRI

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Crash Proof® Investments are not Stock Market Investments

Financial Advisors for Crash Proof Retirement®

In Loving Memory of Phillip J. Cannella III, creator of Crash Proof Retirement®