💡 You’ve read Earn Twice the S&P and want to discuss the Stars model with your financial advisor.

You ask:
📈 “What long-term return can I expect?”
Answer: 8%.
That’s 5% below the S&P’s return over the last 14 years.

You ask:
📉 “What has my actual return been over the past 5 years?”
Answer: About 8%.
Still not enough to sustain your ideal retirement lifestyle.

You propose:
🤔 “Why not just invest in the S&P to close the 5% gap?”
Answer: Lack of diversification.
Even though the S&P includes 500 companies.

You ask about the Stars model and TQQQ.
Answer: Too risky. Not allowed in 401k plans. Too much drawdown.
And here’s the turning point: you realize there’s no solution that satisfies both your advisor and your retirement goals.

At this point, you have two options:
1️⃣ Stick with conventional advice and accept limited growth
2️⃣ Take control and implement a version of the Stars model yourself

That’s exactly why I wrote Earn Twice the S&P — to empower investors with a smarter, performance-driven path forward. 📘