Tag Archives: Crash Proof Retirement

What is Retirement Really Like?

When people typically picture retirement we think of lots and lots of free time and being able to do exactly what you want, when you want and that includes traveling.  However, when talking to retirees there are some things that occur that affect retirement.  Here are some things to give you more of a realistic idea of what retirement is like. You won’t get as bored as you think.  Some people think that you won’t be able to find enough stuff to fill your days, Read More +

Questions to Ask Your Employer about Your 401(k) plan

Defined-benefit pension plans are shrinking in number. So mow more than ever retirement funds and saving for retirement has started to become a responsibility of the employers. Many employers are now switching over to plans such as the 401(k), which are defined contribution plans. How good is the 401(k) match? If your employer offers employer match, the smartest move is to at least contribute enough money into your account to take advantage of the funds that your employer can pitch in. To determine how much Read More +

Phil Cannella Creates a Crash Proof Retirement for Dom and Linda Magazu

Phil Cannella’s exclusive Crash Proof Retirement System has helped over 4,000 people have a more safe and secure retirement. Today, we focus the Crash Proof Consumer “Spotlight” on Crash Proof consumers: Dom and Linda Magazu of Gibbstown N.J Prior to their decision to becoming Crash Proofed, the Magazus were courted by a securities advisor with disastrous results. The financial firm they went with turned out to be a complete fraud. Once the deal was done, neither the firm nor the Magazu’s money were ever seen Read More +

Phil Cannella Talks to Retirees on the Market

Phil Cannella stands against an industry that is fighting to keep retirement assets at risk. A sizeable percentage of the investments found in the stock market belongs to Americans aged 50 and up, so you might understand why the Securities Exchange Commission is protective over its market and why its representatives—your financial advisors—want to protect it. Phil Cannella often points out at his educational events that it’s retiree’s money that’s fueling the securities industry. Think about the millions of dollars in taxes that the government Read More +

Phil Cannella Spearheads Industry Reform

Phil Cannella, has been a leading insurance and financial professional for for almost 40 years, and has been at the vanguard of a movement to reform the financial services industry. He is leading the charge to bring real fiduciary responsibility to financial advisors so that American retirees can get the real and true financial help they deserve. Phil Cannella believes the real problem is that too many financial professionals are not acting in the best interest of their clients because the best interests of the Read More +

Phil Cannella Explains Long-Term Care Insurance

Phil Cannella has a great deal of experience when it comes to long-term care insurance. He has been in the industry for almost 40 years now, offering this form of insurance, and he understands it better than most insurance professionals in the industry. Phil Cannella says that over the last 40 years, long-term care insurance has evolved and changed, and that today’s consumers need to understand what it is. Phil Cannella says that unlike traditional health insurance, long-term care insurance is designed to cover long-term Read More +

Phil Cannella Helps with Retirement Phase of Life

Phil Cannella doesn’t look upon retirement as “the end of a cycle but rather the beginning of a brand new cycle.” While some would say that retirement signifies the approaching end of life, Phil Cannella looks at retirement as the beginning of a completely new aspect of life. In his own words: “While my grand pop and many others like him in this great country of ours believe that retirement is the end of the road, and that the planning is over, that simply isn’t Read More +

Phil Cannella Stands up to Wall Street Giants

Phil Cannella is quick to slam advisors on Wall Street due to their lack of fiduciary responsibility and is one of the few retirement experts who will stand up to these “Wall Street titans:” demanding that they hold true to their mission statements rather than holding true to their own pocket books. Phil Cannella has long been appalled by the amount of fees and commissions that so many Wall Street brokers “steal” from their clients. The word “steal” is used advisedly as they don’t call Read More +

Phil Cannella Talks Changes to Social Security Benefits

Phil Cannella is not happy with all the changes that have been made to Social Security as a result of the 2015 budget act. This piece of legislation was introduced in order to raise the debt ceiling by $1.5 trillion dollars to prevent yet another government shutdown. It’s bad enough that there is unfettered spending throughout the U.S. government, but the curtailing of Social Security benefits to those who depend on it the most is deeply troubling to Phil Cannella. Through his proprietary Crash Proof Read More +

Phil Cannella says Economy Not Growing

Phil Cannella is quick to tell investors the truth about the current economy, which is often not exposed by the mainstream media. For the last 3-4 years many consumers have felt extremely bullish about the market because they have seen the S&P and Dow, along with other indexes, catapult to new highs over the last several years. With this consumer optimism, investors have flocked to the markets in the hopes of generating more wealth. The real question is, however: How long will this bullish optimism Read More +

Phil Cannella Discusses Frailty of World Economy

Phil Cannella is renowned for his accurate predictions of world economic conditions and his savvy interpretations of geopolitical events.  He has also been prescient in how these world events impact the lives of Americans and more specifically the lives of people in retired years. By way of a history, Phil Cannella learned the rules of life in the school of hard knocks. It was by living life in the real world that he learned the laws of survival. It wasn’t by studying in an ivory Read More +

Phil Cannella is a Financial Guardian

Phil Cannella has been praised by most of the thousands of consumers who have had their retirements Crash-Proofed thanks to the exclusive Crash Proof Retirement System. It is not just that Phil has protected his client’s assets from market risk and volatility; it is that Phil has given his clients a retirement they can enjoy, a retirement they hoped for, a retirement they waited a lifetime for. In Phil’s words: “What is the point of working your life and amassing a bunch of money, and Read More +

Phil Cannella Slams Wall Street Greed

Unlike many financial advisers in the securities industry , Phil Cannella doesn’t charge his Crash Proof consumers for his services. Phil Cannella is not a licensed securities adviser nor does he ever recommend securities for his clients. Phil Cannella is a consumer advocate who has created the exclusive Crash Proof Retirement System for people in or near retirement who want to protect the principal they’ve earned yet allow for the possibility of gaining interest. Unlike Wall Street, there are no fees (hidden or otherwise) in Read More +

Phil Cannella and his Consumer Advocacy Program

Phil Cannella believes in a consumer advocacy principle. He does this in many ways but let’s first examine what it means to be an advocate especially when we speak in the context of a senior advocate as Phil Cannella is: “An advocate is a person who represents and works with a person or group of people who may need support and encouragement to exercise their rights, in order to ensure that their rights are upheld.” – Source In looking at this definition, let’s take a Read More +

Phil Cannella Discusses the World Economy

Today, as Phil Cannella often explains, the economies of the world are inextricably intertwined. No longer are our economies isolated one from another. Geo-political events on one side of the globe have a direct and immediate impact on all major economies. Phil Cannella points out that it makes an investor’s retirement outlook very hard to predict. One of the things we want most as we head into our Golden Years is some predictability, yet we find none when it comes to the world economy. While Read More +

Phil Cannella’s Long-Term Care Mission

Phil Cannella is a man who goes about life with a strong drive to change the world. Any look at history identifies those who sought to change the status quo, those who sought to make a difference, and those who sought to advance humanity. Phil Cannella’s lifelong mission of Senior Advocacy began when he was quite young, when he saw firsthand the ravages caused by an illness as an elder family member aged.  This is an issue many families face and it is a problem Read More +

Phil Cannella’s Crash Proof Retirement System: Al Butikis

Phil Cannella Protects Another Consumer’s Future The Crash Proof Retirement System, created by Phil Cannella, has helped thousands of people to secure their retirement futures. Today, we focus the Crash Proof Retirement Spotlight on Al Butikis of South Philadelphia. Al is a retired welder who spent years investing his retirement nest egg. Al had some more traditional investments as well, such as savings and checking accounts and CDs. But in all those cases, Al’s returns weren’t providing him with peace of mind about his future. Read More +

Phil Cannella Extols The Virtues Of The Brickhouse Industry

Phil Cannella And Crash Proof Retirement Offer Peace Of Mind Phil Cannella has spent his career teaching everyday Americans that in retirement, you don’t want to take chances. You don’t want volatility, you want stability. You want guarantees and peace of mind. That’s why, as Phil Cannella and his co-host Joann Small pointed out on a recent edition of The Crash Proof Retirement Show, the choice is simple—avoid risk investments, and the industry that houses them, like the plague in your retirement years. “The Crash Proof Read More +

Phil Cannella Discusses Greece On The Crash Proof Retirement Show

Phil Cannella Reveals The Greece ‘Domino Effect’ On the most recent edition of The Crash Proof Retirement Show, Phil Cannella and Joann Small discussed the ongoing debt crisis in Greece, and what it could mean to world economies in the future. By now, everyone knows the people of Greece have voted ‘no’ in a referendum on whether or not to accept the bailout terms offered by the European Union and other members of the Eurozone. Previously, the leaders of other European nations maintained that a Read More +

Phil Cannella Stands In Contrast To The Financial Industry

Phil Cannella’s long, storied career in protecting the futures of American retirees was built upon the strength of his character. Over 39 years, Phil Cannella has built his name and reputation on the concept of fiduciary responsibility. It troubles him when he sees others continue to disregard the well-being of clients. The financial crisis of 2008-2009 brought to light the rampant wrongdoing that permeates Wall Street. Industry professionals seek to take advantage of unwitting and gullible consumers. Insiders are working primarily for their own financial Read More +

Phil Cannella Prepares Investors: “Prepare For Lower Stock Returns!”

On The Crash Proof Retirement Show, Phil Cannella and Joann Small regularly discuss the money that upfront fees and ongoing expenses take out of your Wall Street investments. It’s a serious problem—Dalbar Corporation found the average investor in mutual funds has made only 3.7% annually over a 30-year period ending in 2013—but in that same 30-year period, the S&P 500 made over 11% annually! But soon, the idea of making 3.7% in a year through your mutual fund could be a dream come true. According Read More +

Phil Cannella Testimonial: Shirley White

Crash Proof Retirement Consumer Shirley White The Crash Proof Retirement System, created by Phil Cannella, has helped thousands of people to secure their retirement futures. Today, we focus the Crash Proof Retirement spotlight on Shirley White, a retired nurse from Blue Bell, PA. Shirley came to Crash Proof Retirement after listening to The Crash Proof Retirement Show, heard weekly on 1210 AM WPHT each Saturday and Sunday. “I liked what they said about double-digit returns—[the possibility for] 14, 16 percent returns,” said Shirley. Shirley described Read More +

Phil Cannella Protects Consumers From Crippling Losses

Phil Cannella educates investors around the tri-state area on how to avoid losses in or near retirement. At Crash Proof Retirement educational events, Phil Cannella addresses standing-room only crowds with this surprising question: “Who would have loved to earn 0% in 2008?” Sounds crazy, right? Why would anybody be happy with making 0%? But when the subprime mortgage industry started to struggle in 2007, the memory of the stock market crash earlier that decade was still fresh in Phil Cannella’s mind. It had led him Read More +

Phil Cannella Reports On Municipal Bond Crisis on Crash Proof Retirement Show

On last weekend’s Crash Proof Retirement Show, Phil Cannella and co-host Joann Small reported on the recent crisis in the Windy City of Chicago. Research from Retirement Media Inc. found that Moody’s, a leading provider of credit ratings, research, and risk analysis, has downgraded the credit rating of America’s 3rd-largest city to junk-bond levels. Moody’s rating system, which grades bonds from Aaa to C, makes a distinction between investment-grade and junk level bonds between Baa and Ba, the exact fall-off that Chicago’s credit experienced. This Read More +

Phil Cannella Focuses On Women In Retirement

Phil Cannella and Joann Small commemorated Mother’s Day on last week’s Crash Proof Retirement Show by paying special tribute to the most important woman in all of our lives. “It was a very wise man who once said, ‘God can’t be everywhere; therefore, let there be moms!’” said Phil Cannella. With everything our mothers do for us throughout our lifetimes, we all want to see them enjoy their golden years to their fullest extent. Part of that is spending time with the grandchildren, but an Read More +

Phil Cannella Continues The Fight For Accountability

Each day, Phil Cannella furthers the cause of mandating fiduciary responsibility across the financial industry. The financial crisis of 2008-2009 brought to light the rampant wrongdoing that permeates Wall Street. Industry professionals seek to take advantage of unwitting and gullible consumers. Insiders are working primarily for their own financial gain over those of the people they serve. This is unfortunately the state of affairs within the financial services sector, but it is one that Phil Cannella diametrically opposes and in contrast to this, holds himself Read More +

Phil Cannella: The Epitome of Consumer Advocacy in the Financial Industry

Phil Cannella welcomes each and every challenge he faces throughout his efforts to make sweeping reforms in the financial services industry. The battle over fiduciary duty, and Phil’s commitment to upholding the highest standard of consumer advocacy, may be his greatest victory to date. The Wall Street environment is a perfect example of the ‘every man for himself’ approach. Financial professionals are all too willing to take advantage of oblivious consumers, while industry insiders are work solely for their own personal financial gain, with little regard for Read More +

Phil Cannella Asks The Tough Questions

“My name is Phil Cannella, and I say the financial industry is stacked against you, the everyday American investor.” Chances are that if you’ve been to a Crash Proof Retirement Educational Event, you’ve heard those words. At or near the beginning of the session, Phil Cannella makes this strong, declarative statement to the hundreds of attendees. As Crash Proof Retirement Founder, Phil Cannella travels throughout the tri-state area to educate people in or near retirement on safe alternatives available outside of Wall Street. Each Crash Proof Retirement Read More +

Phil Cannella Conquers Injustice In Federal Court

Phil Cannella, as an insurance and financial professional for almost forty years, has helped tens of thousands of consumers protect themselves against the risks they face as they head into retirement. His Crash Proof Retirement System is a testament to this very mission in that he has devised a means to protect the nest egg of an individual or family from stock market volatility. Speaking to any of his thousands of clients, you will find a common thread among them all, not one single one Read More +

Phil Cannella Crusades Against Media Misinformation

Since founding Retirement Media Inc. in 2012, Phil Cannella has been on a mission to free the everyday American from the misinformation and biased commentary of the mainstream media. When it comes to retirement-specific advice, Phil Cannella has found the research and information put forth by such media outlets to be lacking, misleading and just plain wrong. Phil Cannella discussed the latest example of this glaring shortcoming on last weekend’s Crash Proof Retirement Show. “The mainstream media is confused,” Cannella told the listening audience as Read More +

Phil Cannella Educates Retirees On Safe Alternatives

Phil Cannella explained the wonders that the Crash Proof Retirement System can perform for people in or near retired years on Saturday’s Crash Proof Retirement Show —then welcomed some Crash Proof clients to prove it! “As consumer advocates, Joann Small and I are determined to educate people in or near retired years,” Phil Cannella told the listening audience. “The Crash Proof Retirement System is guaranteed to protect your retirement nest egg against a market crash or downturn—yet it still allows for the potential of double-digit Read More +

Phil Cannella and Crash Proof Retirement Celebrate CHOP’s Child Life Month

Phil Cannella, Joann Small and Crash Proof Retirement are proud of their association with Children’s Hospital of Philadelphia. March is Child Life Month at The Children’s Hospital of Philadelphia (CHOP), and the Hospital is celebrating with this video from their Child Life, Education and Creative Arts Therapy department! Crash Proof Retirement stands alone as the largest single donor in the history of the WOGL Loves Our Kids Radiothon, dating back to 2010. This past December, Phil Cannella and Joann Small donated another $50,000 to CHOP, pushing Read More +

President Obama Validates Phil Cannella And Crash Proof Retirement

The President of the United States echoes Phil Cannella’s message on fiduciary duty. Every weekend, Phil Cannella and Joann Small host The Crash Proof Retirement Show on Philadelphia’s number-one talk radio station, Talk Radio 1210 WPHT. This 50,000-watt station has the capability to reach 38 states as well as Canada. Apparently, the signal’s been reaching Washington D.C. On February 23, 2015, President Barack Obama gave a speech at AARP headquarters in Washington, D.C. in which he bemoaned the lack of fiduciary duty and the rampant Read More +

Phil Cannella and Crash Proof Consumers Respond To NY Post Attack

This past week on The Crash Proof Retirement Show, we addressed an unfounded attack against First Senior Financial Group and The Crash Proof Retirement System. On February 15, New York Post columnist John Crudele attempted to assess the Crash Proof Retirement System through his “Dear John” column in the Sunday edition of the newspaper. He did this in response to a letter written by “M.B.” of Princeton, N.J., a regular listener to The Crash Proof Retirement Show. Unfortunately, Crudele and his source, Jeffrey Golden of Circle Advisers failed to do adequate research Read More +

Phil Cannella Challenges Wall Street

Phil Cannella has had to face some tough challenges in his effort to make changes to the financial services industry and bring about reforms on Wall Street. It is common knowledge that Wall Street is fraught with white collar crime. Industry professionals are often seeking to take advantage of unwitting and gullible consumers. Industry insiders are often working for their own financial gain over those of the people they serve. This is unfortunately the state of affairs within the financial services sector, but it is Read More +

Phil Cannella Exposes the Illusion of Wall Street

Phil Cannella is proud of the fact that each attendee at a Cash Proof Retirement educational event receives information that won’t be found anywhere else. The mainstream media won’t report on this information, the government’s laws and policies won’t cover it—and worst of all, your financial advisor won’t even tell you about it. That’s one reason why Phil Cannella, Creator of the Crash Proof Retirement System, calls his series on mutual funds ‘top-secret.’ He’s got nothing to hide, but it seems like everyone else does. Read More +

Phil Cannella Defends Retirees Against Wall Street

When Phil Cannella speaks to gatherings of hundreds of people around the Tri-State area, it’s important to him to understand the mindset of each attendee. That’s why at or near the start of each presentation, Phil Cannella asks the crowd two simple questions: “How many people think there’s going to be another financial crisis?” Inevitably, almost every hand in the room goes up—that is, until they hear the second part of the question. “How many people feel they’re prepared for the next financial crisis?” At Read More +

Phil Cannella Leads the Charge Against Corruption

Phil Cannella doesn’t stand silent when it comes to the illegal and unethical practices of those financial advisors and insurance professionals who give the industry a bad name by cheating their clients. Too many financial professionals will stand up in front of the consumer and tell them how pristine they are, while casting a dark net around their competitors. Meanwhile, these same advisors cheat their clients by looking out for their own commissions rather than the client’s best interests. This is one of the reasons Read More +

Phil Cannella Conducts Crash-Proof Symphony Orchestra

What makes the Crash Proof Retirement System special? Founder Phil Cannella says the secret lies in the carefully crafted, finely-tuned arrangement of Crash Proof vehicles. Each individual’s specific Crash Proof Retirement plan is comprised of multiple financial vehicles that, when placed together in the Crash Proof Retirement melting pot, yields a well-protected, risk-proof nest egg. “The best way I can explain it is to compare it to a symphony orchestra,” explained Cannella. “Like musical instruments, all financial instruments have principles that they will follow to Read More +

Phil Cannella Exposes Fees in Variable Annuities

For almost 40 years, Phil Cannella has dedicated his professional life to his passion—advocating for people in or near retirement. Sometimes that means educating retirees on the financial climate, while helping them to select the investment vehicles that are most advantageous to maintaining and preserving their nest eggs. But for Phil Cannella, other times it means taking advocacy to the next level—demanding that financial advisors and other professionals work in the best interest of their clients. That’s exactly what Phil Cannella has offered to do Read More +

Phil Cannella Joins Forces with Dick Morris to Enhance Education of Retirees

Phil Cannella has spent his whole career educating retirees on the financial landscape of our country. He’s taught them about the inner workings of Wall Street, shielded them from corrupt or ill-advised investments, and protected their nest eggs through Crash Proof vehicles. But this past summer, Phil Cannella added another weapon to his arsenal in the form of internationally-renowned political insider Dick Morris. Morris’ expertise and experience on Capitol Hill brings an additional layer of expertise to Crash Proof Retirement educational events. Since July, Dick Read More +