Are You Scared? Is Poverty In Your Future? By Bill Roberts

Services for Real Estate Pros with Brooks and Dunphy Real Estate DRE 00527512

Are You Scared? Is Poverty In Your Future? 

They say 10,000 Baby Boomers are retiring every day.

I don’t think so.

Maybe 10,000 are turning 65 every day, but they can’t retire.

According to the major custodians of our retirement funds, most of us (about 90%) have $100,000 OR LESS to carry us through our Golden Years.


Even with Social Security and a few other investments, that is only enough to carry us for about three years. After that we will be plunged into poverty (if we are not there already).

What a scary thought.

I  used to say we would be reduced to eating dog food straight from the can, but even dog food might be out of reach.

So what are we going to do?

Simply, we will have to work until we die. That is the new Baby Boomer Retirement Plan.

Or, we could try  something new. We could determine that we will retire within the next 15 years NO MATTER WHAT.

So how are we going to do that?


We are going to invest in things that will give us a much higher return than the traditional stocks and bonds (and funds, ETFs, etc.) that mainstream wealth managers specialize in.

There is a reason they specialize in those products. It is because that is the licenses they hold, AND IT IS EASY.

For the last 10 years they (the wealth managers) have given us about a 4% return on our assets, year after year. Previously, they were giving us about 8% over the last 25 years. Even at 8%, we will NEVER have enough money to retire. We need a higher return if we expect our wealth to grow to 2+ million dollars.

And we will need at least two million dollars (exclusive  of our primary residence) if we want to retire and continue our lifestyle.

So, how do we do that?

We need to invest in things that give us a return above 12%.

Yes, we need a higher return on invested capital.

I don’t think you can do that if you leave your retirement funds with the traditional fund managers.

But, a SELF-DIRECTED ROTH IRA that invests in various real estate related products can achieve those kind of returns.

Think about this: an investment in real estate that grows at 5% per year, but only requires that you put 20% down, you’ve made a 25% return on investment.

Maybe your retirement plan cannot make that investment on its own, but it could invest with others (a group investment or a syndication) and make that investment. Maybe you will only get a 20% ROI (return on investment), but it sure beats 8%, and its just as easy.

All you need to do is set-up the Roth IRA and put it with a wealth manager that specializes in REAL ESTATE and handles small accounts.

Most wealth advisors or wealth managers are only interested in you IF YOU HAVE $500,000 or more to invest.  They charge a 2% fee (on average) for ASSETS UNDER MANAGEMENT (AUM) and they want that fee to exceed $10,000 for each “client.” EVERY YEAR.

Some of us aren’t that greedy. We take everybody. We know that eventually you will have more than $500,000. And we only charge 1% (but with a $2,500 minimum).

What are the kinds of investments that we specialize in? Of course, they are real estate related, but not what the “average guy” thinks of as REAL ESTATE.

As already mentioned we invest in syndications (group investments), But we also invest in notes on real estate (mortgages), both performing and non-performing. We either rehabilitate those non-performing notes or fore-close them. Either way we win.

We also invest in properties with delinquent taxes. We either get a high interest rate on the invested capital or we get the property. Again, 18% ROI is the lowest return we expect to make.

We also invest in land. Land that we can develop or land that we think will go up in value over the next ten years.

We also invest in start-ups, especially start-ups that occupy space in one (or more) of our properties.

We are very high on small farms. We like to own them. We like to develop them. We like to manage them, and of course, we like to sell them.

And, as part of our farm program, we offer custom grazing. That is where you own the cow or steer, we take care of it for you, and buy it from you, or sell it for you at the end of twenty-four months. Generally speaking, this is about a 50% ROI program.

And, of course, we do traditional property management.

The “idea” is that we provide a way for you to achieve returns on investment significantly higher than traditional wealth managers can give you.

We are committed to growing your wealth to a level that will provide you with enough income to retire AND maintain your lifestyle.

We do it all for you. All you need to do is to continue to contribute to your Self-directed Roth IRA every year, and direct the custodian to “forward” your contribution to your IRA (after you have established it, of course and we can help you with that, as well).

It’s EASY, but, you need to take action NOW.

Forget the dog food. I see filet mignon in your future.

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Please comment. All comments are greatly appreciated.

Bill Roberts


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Comments (10)

William Feela
Realtor, Whispering Pines Realty 651-674-5999 No.

I will be working at least part time to survive. At least this profession is not physical

Feb 01, 2019 09:26 AM
Bill Roberts
Brooks and Dunphy Real Estate - Oceanside, CA
"Baby Boomer" Retirement Planner

Hi William Feela Yeah, not too physically demanding, but what about the cold?

Wouldn't you rather be in South Beach instead of North Branch?

Bill Roberts

Feb 01, 2019 10:01 AM
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

I am not scared and I am very well funded at this point. However I do worry about so may people in my business who don't know how to make money for themselves.

Feb 01, 2019 10:55 AM
Bill Roberts
Brooks and Dunphy Real Estate - Oceanside, CA
"Baby Boomer" Retirement Planner

Hi Joe Pryor That is so true. All they need to do is reach out to one of us.

Thank you.

Bill Roberts

Feb 01, 2019 11:27 AM
Endre Barath, Jr.
Berkshire Hathaway HomeServices California Properties - Beverly Hills, CA
Realtor - Los Angeles Home Sales 310.486.1002

Bill nice to see you back and indeed we shall work until the grim reaper will call us... I wanted to call it a day and move to a different part of the country where we could enjoy life... but Diane is set to kill me here so with that said any  referrals you could send my way will be appreciated:)))))))))))Endre

Feb 01, 2019 11:42 PM
Bill Roberts
Brooks and Dunphy Real Estate - Oceanside, CA
"Baby Boomer" Retirement Planner

Hi Endre Endre Barath, Jr. My wife has the same attitude. It must be something in the water?

And it is nice to "see" you too.

Bill Roberts

Feb 02, 2019 06:40 AM
Brian England
Ambrose Realty Management LLC - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

I am not scared, but I do know that I need to save up quite a bit more before I can retire, haha.

Feb 02, 2019 07:19 AM
Bill Roberts
Brooks and Dunphy Real Estate - Oceanside, CA
"Baby Boomer" Retirement Planner

Well Brian England If you are going to rely on savings you should be scared, even though you are still young.

We all need investments that give us double-digit returns if we expect to have enough money to retire.

Good luck.

And thank you for your comments.

Bill Roberts

Feb 02, 2019 08:52 AM
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Bill you have a plan which is far more than most.  As bad as it may look for our generation, it looks even worst for future ones.

Feb 02, 2019 03:51 PM
Bill Roberts
Brooks and Dunphy Real Estate - Oceanside, CA
"Baby Boomer" Retirement Planner

That's true George Souto except they have more time to make course adjustments.


Bill Roberts

Feb 03, 2019 03:19 PM