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Are you fed up with feeling anxious or frustrated about your retirement and
the financial crisis?

This is for you!

Nonsense in Traditional Retirement Planning:

A New Perspective

The financial planning breakthrough most financial advisors don't know about!

Take the next 15 minutes reading about a revolutionary 30-minute financial
planning method that will mathematically minimize the impact of any financial
crisis and maximize your quality of life.

Dany Provost

Hello there!

My name is Dany Provost, president of DELTA Actuarial Services and
author of the book Nonsense in Traditional Retirement Planning: a New
Perspective.

Through my two decades of practice and in teaching financial planning,
I have come across just about every situation one can imagine. From
dead-broke retirees to multi-millionaire yuppies.

Let's get things straight: there is no professional financial planning
software available on the market today that can give you an optimal and
logical plan of action for your retirement - according to my definition
of "optimal and logical". Though this may sound incredible, it's the
sad truth.

As a professional chartered financial planner having a degree in
Actuarial Science and being a Chartered Financial Analyst (CFA
charterholder), I want to leave no stone unturned in the process of
delivering to my clients the very best of the art. I also have another
degree in music, so I'm used to "jazzing things up" Smiley ...More...

In September 2000, after having scrutinized every possible financial
planning software available on the market, I was fed up and
disappointed by those "high end" tools.

So, with the help of a few people, I decided to put together the best
possible software for planning personal finances. Today, I want to
share with you the revolutionary method I have developed - the one that
mathematically minimizes the impact of any financial crisis and makes
retirement planning (the way we know it) virtually disappear: a radical
shift of perspective.

The French version is a bestseller

With rock solid logic, the first version of this book (the 2005 French
paperback version: Arrętez de planifier votre retraite, planifiez votre
plaisir which literally translates as "Stop planning your retirement,
plan your fun"!) is already a bestseller in Canada. Some adjustments
were required to "internationalize" it, and consequently this version
is not a mere translation of the original paperback version. Wherever
you live, you will be able to use the invaluable information contained
within.

The province of Quebec, Canada, was the ideal region to test the
original tool and launch the first version of the book. There are three
basic reasons for this:
* The region has a unique Latin and Anglo-Saxon blend because of its
origins and its closeness to the U.S. Quebekers are among the most
selective people when it comes to evaluating financial advisors.
* It is a relatively small market (less than Ľ of the Canadian
population), and often neglected when it comes to adapting
products. So, one can develop a product without the fear of having
his or her ideas hijacked by a "giant".
* In order to be granted the legal title of Financial Planner
(F.Pl.), one has to get through the highest requirements in North
America. Since 2000, a bachelor's degree and a university
certificate in financial planning are mandatory for whoever wants
to be granted the right to use the reserved title.

Before going any further...

Become a member of
the "Non-Retirement" Group
and get these four courses absolutely free!
In these four downloadable crash courses, you will learn the
fundamentals about:
+ Budgeting
Learn everything there is to know about setting a sound budget and
sticking to it!
+ Investment
Get the big picture from motivation to investment profile. A good
companion for any savings plan of action.
+ Insurance
Learn the various types of insurance and many buying tips when it
comes to protecting yourself. Optimizing your quality of life also
requires peace of mind.
+ Credit Cards
Do you know how to calculate your "real" rate of interest on your
credit card, always higher than the one they tell you? Learn it
with my guided tour on credit cards.

Name: * ____________________
Email: ____________________
[BUTTON]

You've been fooled long enough!

After reading this book, it will become crystal clear to you why:
* No financial institution officially endorses this method.
* Virtually all financial advisors out there, with their professional
retirement planning calculators, are doomed to rehash the same
results which are quite different from mine.
* Free retirement planning calculators are worth their price.
* You should neither feel guilty nor be afraid if your savings are
not "what they should be" for your retirement.
* There is no need to plan for retirement beyond the age of 90.
* Planning to have X % of your income at retirement is a big mistake.
* You should forget about statistics and not try to fit into the
charts.
* Systematic saving is pure nonsense.
* The inherent mistakes made through retirement planning will make it
become obsolete.
* Regardless of your current financial situation, age and projected
time of retirement, there is an optimal solution.
* You should make your total income meet your needs and not the other
way around.
* In traditional retirement planning, your quality of life is a
secondary issue. See how to turn that notion on its head.
* "Lifestyle" definition in traditional planning is an aberration.
* In traditional retirement planning, you have to forget about your
current lifestyle.
* This new method is the 3rd millennium method.
* This book is a must read before any other book on the subject.
* Every field of financial planning is impacted with this new way of
thinking.
* Saving taxes is not that important.
* And much more...

But theory is not enough... You will learn HOW-TO overcome traditional
retirement planning inherent weaknesses.

* If you currently have a plan of action for retirement, chances are
that it is not optimal. You are either saving too much or not
enough - and not the right way!
* If you've given up on retirement planning, forget about what you've
seen in the past because this method will enable you to see the
light at the end of the tunnel, and you will realize that the goals
and plan of action you had were simply not appropriate for you.
* If you never had a plan of action, you will discover the best
method ever.

Don't take my word for it! Just take a look at what academics say about it.

"In his book entitled Nonsense in Traditional Retirement Planning, Dany
Provost provides a set of arguments and a methodology that allow people
to start thinking differently about achieving their financial goals
over a lifetime while having fun. Indeed, his approach to financial and
retirement planning is, in my view, worth considering given that it
appears to be more flexible than the traditional model."

Gilles Bernier, Ph.D.
Professor of Finance and Insurance
Industrial Alliance Insurance and Financial Services Chair
Faculty of Business Administration
Laval University

"I truly enjoyed reading the book by this man, well-known for being a
top financial planning expert as well as a man of exceptional
intelligence and a member of many worldwide extremely high IQ
societies.

What makes Nonsense in Traditional Retirement Planning a one-of-a-kind
book is that it deals with the quality of life as a broader concept,
not the way we are used to defining it.

More technical aspects are dealt with in a simple but nonetheless
meticulous manner. Humour is peppered throughout. The clarity of
examples is remarkable and easily understandable by all. Many readers
who "haven't yet thought about it" will find in this book invaluable
information they will greatly benefit from.

Dany Provost's unique approach could be summarized as follows: "Make
your income fit your needs and not the other way around." He reminds us
of simple (and often neglected!) elements. To the most fundamental
single question one should ask, his colourful answer provides food for
thought.

Most financial advisors calculate how much you need to save annually in
order to reach your retirement goal. Dany shows us, with original
examples, the nonsense of this method that makes your quality of life a
secondary issue!

To summarize, this work is brilliant, for its originality as much as
for its real usefulness.

Albert Frank
Mathematician
Former Vice-Dean of Zaire National University
Brussels, Belgium
users.skynet.be/albert.frank/
ludomind.gui.pro.br/
lulu/content/71060

"Dany Provost's book is a real Copernican revolution in retirement
planning. Putting back into question the "sacrosanct " 70% rule, he
shows that sacrificing everything today in order to reach a certain
lifestyle level at retirement is not only an existential aberration but
also a financial one. This book is rare proof that quality of life is
not a vaporous concept but a reality that one must plan today in order
to live a happy, financially sound retirement."

Loďc Jacob, M.A., M.B.A.
IAIFS Chair
Researcher
Laval University

"In Nonsense in Traditional Retirement Planning, Dany Provost explains
both how to save and how to live. He wants you to save for the future,
because you're going to need it. However, he doesn't want you to save
until it hurts, because that hurts! By using his simple yet profound
method, you will find an equilibrium that brings peace to your life.
We've all heard the traditional retirement planning mantras time and
again, and most of us have simply absorbed them without critique.

Taking a step back to assess those and consider alternatives could
literally change your life.

I encourage you to take that step today by reading this book!"

Greg McGuire
Graduate Student in Philosophy
Office Assistant in Undergraduate Career Services
Hamilton, OH, U.S.A.

"A new and promising vision of how to plan your retirement.
Financially, how can you take full advantage of the present without
risking the future? In this field as in many others, the author
presents a rigorous and intelligent demonstration that flexibility is
better than rigidity." (May, 2005)

Guy Provost, Ph.D.
Executive Vice-President
FQRNT*

*A Canadian non-profit funding agency supporting research

Whether you're involved in Internet Marketing or any other get-richer scheme,
this tool is the best complement to your plan

This method is NOT about making you any richer... It's about putting
your money to better use. Neither do you have to work any harder to
implement my advice. This way, I can prove to you that you will get the
most out of your financial situation.

In fact, the only requirement for using my method is to have a flow of
income, period. What you will learn is how to optimize your flow of
income and expenses no matter what your financial situation is!

Take a look at what other professional financial advisors are saying
about my method - or about me - once they know about it... some of them
actually use my tools or services.

"Having been a Professional Financial Advisor for more than 35 years, I
sometimes have to deal with more complex or delicate situations. In
order to do the very best job, I require Mr. Provost's professional
advice. Believe me, this man is a sheer "financial maniac". He does
what no other financial professional does and this has led him to
develop this awesome philosophy. On top of that, we share what to me
are the most important values: integrity, competence and a real sense
of engagement. He has added a human factor to financial and tax
planning and that's what makes this philosophy so unique and sublime.
So if you want to get the most out of your financial situation,
whatever it is, Dany Provost is the real deal!"

Raoul Garneau
Professional Financial Advisor
DFS Independant Network
Quebec City, Canada

"I know Dany Provost because I worked with him in the past for a few
years and carefully watched his path thereafter. When I think about
him, the words that pop into my mind are: atypical, funny, smart and
rigorous.

Dany is a passionate man who knows his field better than anyone else
and is not afraid to go off the beaten track. For me, he is the
"alchemist of numbers". His book brings a new light to retirement
planning and unveils many hidden aspects that many would rather keep
secret.

There is no doubt that his book is a must for anyone who cares about
understanding this wonderful world of retirement as well as having the
right information about "sacrosanct" planning. I recommend it to
everybody!"

Michele Frenette, B. Adm.
Foundering President
GRMF Inc.
Specialized pension plan firm

"Dany Provost is an amazing person, a visionary! He is always in search
of new information and new concepts. With his highly sophisticated
technical tools, he facilitates my professional financial advising.
With his support, I feel very sharp in front of my clients. His
financial philosophy calls into question many facile theories that are
more "reflex based" than logical. He brings depth and preciseness to
truly integrated financial planning.

He is not only a financial analysis "machine" but also an artist to the
core. It appears that music and numbers are closely linked... I've
heard him play the piano and I can testify to that...

In fact, Dany Provost is a very nice kind of person that I appreciate a
lot not only for his technical support but also for his interpersonal
skills."

Maxime Boucher
Professional Financial Advisor
DFS Independant Network
Trois-Rivičres, Canada

Narrow-minded advisors hate this book. It makes them feel threatened. One of
them left me the following comment:

"Planning one's fun instead of one's retirement - it goes against
everything I have learned so far."

E. G.
Professional Financial Advisor
Montreal, Canada

I hope you see why I'm not giving you his full name - and address... If
we thought that way for other things, we'd still think the sun revolved
around a flat earth! Fortunately (for the clients), this type of
comment is pretty rare. Although I carefully take note of every comment
I receive, these come, in my opinion, from very conservative
"dinosaurist" planners and are not worth paying them much mind.

When you see the light at the end of the tunnel or simply understand
what this is all about, your advisor - if you have one - had better be
ready and follow along, otherwise you will not put up with her or him
long after you finish reading it.

This book is pure and simple common sense.

Want to know what the media say?

Here are a few comments...

"Mr. Provost's method is so sensible that one wonders why no one has
thought about it before."

Dominique Froment
Les Affaires
Major Business weekly newspaper

"Provost has formulated a fresh perspective on financial planning that
should benefit everyone from neophyte to expert."

John C. Hallenborg
Writer/Consultant
Los Angeles, Calif.

"He was a musician and an actuary before becoming a financial planner.
He tells me that I might have saved too much for my latter days. He
reminds me that fun must prevail in my life. No doubt about it, Dany
Provost is a real character. In this
so-many-people-have-the-same-speech environment, his approach will
appease many investors' fears."

Jean Pare
Publisher
Transcontinental Group

"With an ironic and funny style, Dany Provost shows us a
non-conventional method... He gives us plenty of examples, sometimes
convincing, sometimes funny but always food for thought. One thing is
for sure, it is quite a change from the classic method."

Richard Johnson
Journal de Montréal
Major Daily newspaper
Montreal, Canada

"It's not about throwing away financial planning and living the present
moment to the fullest without worrying about the future. The approach
is based on annual planning but adding intelligence to it. Each person
is unique and every situation must be planned accordingly. Very
interesting and refreshing."

Louise Froment
Québécor Media

Why hasn't anyone come up with something similar in the past? This is a
legitimate question. There are a few reasons for that. One of the most
important ones being the software applications the pros are using: they
just don't deliver!

One of the problems with the traditional model is the way it defines
QUALITY OF LIFE. With the traditional definition, every tiny little
mistake translates into wide variations in your actual quality of life.

This method makes two-thirds of the fundamental retirement goal questions
disappear

In traditional retirement planning, you are ALWAYS asked TWO (out of
three) fundamental questions defining your financial retirement goals:
* When do you want (or need) to retire?
* How much money do you want at that time?
* How much money do you want to save before retirement?

Try to find ONLY ONE retirement planning calculator anywhere around the
globe NOT asking two of those three questions and...

...I'll give you my package for FREE! Smiley

But... Do you see the problem with these simultaneous questions?

I'll bet you don't! But not to worry if you can't see it for now
because the new method will clear things up and make two of these
questions simply vanish... with sheer logic. Along with the calculation
tool, you will learn a step-by-step process that will maximize your
quality of life. How can that be possible? Simply by maximizing your
fun! Yes!

This new method focusses on fun (along with peace of mind)! Since
everyone is different, I can't define what "fun" is to you, but you
sure can! From that point on, the method and the tool you will be using
will enable you to get the most out of your financial situation,
whatever it may be. The flexibility of the tool makes it possible to
use in any country. I provide you with the only current financial
planning tool on the planet (besides the professional versions I have
developed for myself and my clients) that reflects this novel approach.

A detailed tutorial will show you exactly how to use it, with no
prerequisites whatsoever. I guide you by the hand until you get to the
final result.

The first step is reading the book - to understand what this is all
about. It will open up your mind and make you realize that all I am
saying is just common sense.

The second step is the software that will help you go from theory to
practice with a 12-page report. You will be amazed by its unique
results for your particular situation, and that's a promise!

"Hi,

First, congratulations on your book. A really refreshing book for this
vacation period! I like to be challenged about my ways of doing things.
I will strongly recommend it to many people, starting with my financial
advisor!

CONGRATULATIONS again!"

Normand Hainse
Senior Consultant, organizational development
Canada

"In Nonsense in Traditional Retirement Planning, Dany Provost explains
both how to save and how to live. He wants you to save for the future,
because you're going to need it. However, he doesn't want you to save
until it hurts, because that hurts! By using his simple yet profound
method, you will find an equilibrium that brings peace to your life.
We've all heard the traditional retirement planning mantras time and
again, and most of us have simply absorbed them without critique.

Taking a step back to assess those and consider alternatives could
literally change your life.

I encourage you to take that step today by reading this book!"

Greg McGuire
Graduate Student in Philosophy
Office Assistant in Undergraduate Career Services
Hamilton, OH, U.S.A.

"Hi Mr. Provost,

I read your book with a great amount of interest and fun. (...) I
spontaneously adhere to your personal finances philosophy (while I was
in reaction against all I guessed about this financial planning world
and its
eat-crust-today-to-keep-the-soft-part-of-the-bread-for-those-days-when-
you-won't-have-the-teeth-left-to-chew-up exhortations).

Thank you."

François Godin
Professional Actor
Montreal, Canada

"Hi Mr. Provost,

I bought your book yesterday and I just finished reading it. It's
excellent! It's food for thought."

Donald Landry
Canada

"I just loved Mr. Provost's book. His philosophy really suits me and I
can't wait to apply it."

Lise Billette
Montreal, Canada

"I just finished your book. I wanted to tell you how much fun I had
reading it and learning about the subject. (...) I am a 45-year-old
entrepreneur with two beautiful daughters (16 and 18 years old). I
didn't put money aside each and every year for my retirement because
either my income was too low or I had a lack of self-discipline -
buying a boat or playing golf instead of paying off my mortgage or
investing for retirement.

By the end of your book, I suddenly felt relieved at having made those
choices.

I want to thank you. Thank you for your frankness and for having given
me the opportunity to live a balanced life, financially at least."

Normand Laprise
Thetford Mines, Canada

"A paradoxical solution to retirement planning, expressed in the
simplest terms by a world-class problem solver."

Adam Kisby
Counselor, Consultant, Writer
SC, USA

Do you see? All those satisfied readers can't be wrong. What you just
read is what you will be experiencing. A kind of Ah...ha! experience
about your personal finances! In fact, I'm so convinced that you will
like what you're about to read that I give you a full 60-day money-back
guarantee.

But wait!

On top of this, I will give you these great complimentary bonuses
totally free.

Bonus #1

The first three months free plus 50% off on quarterly (three month)
fees as long as you decide to use the calculation tool. Since regular
quarterly fees are $19.95, I'll let you do the math...

Bonus #2

Easy Money

Genius Planning's Top 25 Tips to Find Easy Money.

Whether you are facing a cash crisis or simply want to learn the best
saving tips without lowering your standard of living, this is a
must-have. You will find hundreds of examples under these 25+ tips.

Bonus #3

Travel

Genius Planning's Top 25 Tips to Travel on a Budget.

You enjoy travelling but you find it expensive? Learn the tricks to
help you spend less on unnecessary travel fees so that you can spend
more on your quality of life.

Bonus #4

Save Money on Gas

Genius Planning's Top 25 Tips to Save Money on Gas.

With the steady increase (and uncertainty...) in the price of gas, this
special report will show you how you can easily save on this
unfortunately necessary item.

Bonus #5

Retire with out money

How to Retire Without Money

This book, written by Bob Belmont, will show you that you can retire
even without having a bursting-at-the-seams bank account. If you
started saving "too late", you can still retire. You will see how in
this wonderful book.

Bonus #6

Financial tool

Most people have trouble keeping track of their finances and making
financial plans and decisions.

Family Finance Planner is a quick and easy software tool which can help
you to manage your finances.
It will help you to track where your money is going, help you to make
important financial decisions and work out how to save up for the
things you really want.
Here are just some of the features of this amazing software...

check Comprehensive monthly home budget tracker that allows you to keep
track of all your expenditures each month with a built-in feature to
see how much over or under budget each item is, as well as
automatically calculating all the totals for you.

check Income/expenditure tracker, to keep detailed records of your
income and expenditures.

check Yearly budget tracker that allows comprehensive data to be
tracked over the period of a year, with the automatic calculation of
all totals.

check Investment projection calculator, to calculate how long you will
need to save up before you can buy something you want, like a car, a
holiday or a down payment for a house.

check Car loan calculator, to help you calculate whether you can really
afford that new car you've got an eye on.

check Car Leasing/Purchase calculator, to automatically calculate
whether you would be better off buying or leasing a new car.

With all these powerful financial tools at your disposal, you'll soon
be able to keep your bank account balanced, your bank manager off your
back and work out your plan of action to maximize your quality of life.

Now, let me briefly summarize what you'll get for your money:

1. Nonsense in Traditional Retirement Planning: an awesome e-book
dealing with
+ A radical shift of perspective for your financial planning
+ A method that will maximize your quality of life and minimize
the negative impacts of any financial crisis
+ An understanding of the nonsense of the traditional model. You
won't be able to go back to the old model afterwards
2. Software access that will allow you to simulate your situation an
unlimited number of times until you get to your optimal solution.
You will be able to update your situation anytime. This feature has
ridiculously low quarterly fees ($19.95 per quarter).
3. The first three months free plus 50% off on the calculator's
quarterly fees. That's only $9.95 four times a year as long as you
want to use it!
4. 6 super bonuses that will assist you in your plan of action.

So, how much are all these wonderful packages going to cost you?
Several people I've shown this told me I should charge at least $400. I
agree it's worth that, and my bank account would probably be better off
at that price. However, I will not charge you that much because I want
to help as many people as I can at an affordable cost for this ground
breaking information.

So how does "a quarter on the dollar" sound? I believe that's fair -
more than fair - and it's affordable.

The regular price for Nonsense in Traditional Retirement Planning plus
the six bonuses is $197. However, for a limited time, we are running a
Market Test and you can have it at a discount for only $97! That's more
than 50% off - but you must Act Now!

Plus, because this is 100% electronic downloadable material, you can
have access to it in the next few minutes! And it works 24/7!

Order now and, using the easy steps I show in the book, you can start
maximizing your quality of life right away!

You can order with complete confidence because this e-book comes with a
60-Day, 100% money-back guarantee. It's simple: either I live up to my
promises and your expectations, or you can request a refund and receive
all your money back. No questions asked. You have a full 2 months to
decide.

Remember,

This is groundbreaking information you will not find anywhere else on the
Internet or any bookstore or library in the world!

Imagine ...

check That if you face a financial quandary in the future, you will
have the only tool on the planet allowing you to minimize the impact on
your quality of life.

check That you will have an easy guide helping you maximize your
quality of life at the touch of a button!

check That you will have a detailed plan of action to follow each and
every year starting NOW!

check That if you are currently on the wrong path, you will be able to
correct it at once!

check The bitterness of having invested too much for your retirement if
you can't enjoy it!

check Your financial burden gets lighter because you can take a break
on your retirement savings!

Don't wait another minute. Remember, if you are not 100% satisfied, you
simply ask for a refund within 60 days and you keep all the material.
You just have nothing to lose! Order Now!

When I met my first clients many years ago, I was so disappointed by
the results I got from the traditional retirement planning method that
I decided to look for something else.

But my search was in vain...

There was no existing tool allowing me to maximize my clients' quality
of life... so I had to build one from scratch to be able to deliver
astonishing results.

Now you can take advantage of it. Plan your future and have fun! I'm
going to show you how to make it your reality! So what are you waiting
for? Order Now!

You can't lose with my 100% Iron-clad Money-Back Guarantee

YES Dany, I Want to Discover the Genius Planning's method to financially plan
for the future!

check I am ready to start maximizing my quality of life!

check I want to gain instant access to download the Genius Planning's
e-book Nonsense in Traditional Retirement Planning and install it on to
my computer using your simple "how-to" method!

check I want to gain instant access to Genius Planning's software!

check I completely understand my 100% Total Satisfaction Money-Back
Guarantee, where I can give this package my best shot and if it doesn't
deliver the results promised, I can get my money back!

check I know I'll also be getting my copies of Genius Planning's Top 25
Tips' special reports along with Bob Belmont's "How to retire Without
Money" e-book and the Family Finance Planner software absolutely free!

check To conclude, please let me access this incredibly low investment
of only $97 for this ground-breaking package. Give me access
immediately!

NITRP

ONLY [DEL: $197 :DEL]

97 USD

(For limited time)

Buy Now-

Credit cards

Purchases are securely handled by ClickBank. You can pay with your
credit card or your PayPal account. All prices are in US Dollars.

Once your payment has been authorized you will be redirected to a
private Web page where the package is ready for instant download. This
process will usually take only a few seconds.

To begin downloading, click on the download link. The download speed
will depend on the speed of your Internet connection. A typical
download will take between 20 seconds and 4 minutes.

When the download is finished, go to the folder on your PC where you
saved it. From there, just double-click the icon to open the .zip file
and extract its content.

Cheers to your quality of life!

DanyProvost

Dany Provost, CFA, D.Fisc., F.Pl.

President
DELTA Actuarial Services
GeniusPlanning

P.S.
* Do you realize how small that cost is to maximize your quality of
life?
* Do you realize that all retirement calculators you can find on the
Internet (or anywhere else) use the same mathematical formulas and
absurd method? By the way, I'll illustrate the "nonsense"
retirement planning method in the first part of my book.
* Do you realize that even if you buy good securities, if you don't
know how much to invest, most of your "strategy" is a pure waste of
time?

Buy Now-

P.P.S.

Whatever your concerns are, the clouds will part when you read!
* Would you like to be able to take a break in retirement
savings when you can't afford to save? And not feel guilty about it
because you can "catch up" later on?
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