Live Like a Florida
Retiree Without Ever
Leaving Home

And collect up to $3,000 a month in TAX FREE
income starting as early as Feb. 13, 2008

"Planners and sophisticated clients are starting to pay attention..." Retirees are being offered "mouth-watering, shrimp-on-the-barbie yields..."

~Journal of Financial Planning

Dear Reader,

TAX-FREE INCOME.

It's the #1 financial benefit of retiring in Florida... But now, there's a way for you to get the same benefit without ever leaving your home.

This opportunity – which I call VIRTUAL FLORIDA RETIREMENT – allows you to live anywhere in the country and collect between $1,000 to $3,000 in extra tax-free income every 4 weeks.

And it's all thanks to a 1977 law that authorizes states like Florida to distribute tax-free income to investors – no matter how old you are or how much you earn.

For example...

Bill Garrett, 63, a former naval officer from Middletown, Ohio, is a "Virtual Florida Retiree." Since August 2002, he's been averaging around $7,600 in tax-free income every single month.

Ephraim Morrison, a 49-year-old retiree from Plainsboro, NJ, collects around $2,300 per month using this unique income situation.

"A great way to lock in a stable, tax-advantaged income stream while earning superior returns"

~Carla Pasternak,
financial journalist

And Ray Demarco, a 55-year-old San Diego native, has been collecting $1,300 in extra income every month.

No wonder Steven Goldberg, a business reporter for Kiplinger's Personal Finance, recently said: "For yield-starved investors, it's hard to find better deals..."

And Fortune Magazine reports: "Fixed-income investors looking for juiced-up yields have been finding them lately in [Virtual Florida Retirement]."

In 2008, according to preliminary estimates, distributions to "Virtual Florida Retirees" could total over $202 MILLION – one of the biggest sums yet.

The next payout is scheduled for February 13.

If you're interested in this opportunity, I suggest you take a look at the details I've gathered – because as you'll see, it takes less than 5 minutes to get on the distribution list...

Philadelphia Worker Discovers
"Virtual Florida Retirement"

It's not hard to see the appeal of what we call "Virtual Florida Retirement" when you hear the story of a man named Thom Heller.

Thom, now a 62-year-old Miami resident, never thought he'd amount to very much.

What Would You Do With Your Extra Income?

Bill Garrett, a 63-year-old native of Middletown, Ohio, wasn't always rich...

As a young man, he worked at blackjack tables in Las Vegas. Later, he served as a naval officer on a destroyer off the coast of Vietnam.

But going as far back as August 2002, Bill and his wife Kathy have been "Virtual Florida Retirees." They've been averaging around $7,600 in tax-free income every single month since then.

With this extra cash, Bill has indulged in his lifelong desire to collect rare British stamps – some of which can cost $5,000 or more a piece.

Bill and Kathy recently even gave some of their extra income away to their favorite medical charity, Doctor's Without Borders.

He barely graduated from high school, and soon after started working in a clothing shop in his native Philadelphia.

But his life took a 180-degree turn when Thom befriended a Ph.D. candidate in finance at the University of Pennsylvania... Through his U. Penn friend, he discovered a unique income situation funded in part by the government of Florida.

"I found it fascinating," Thom later said. "I was captivated by [Virtual Florida Retirement] right from the beginning."

Thom quit the clothing industry for good and has been taking advantage of this income opportunity ever since.

Today, he lives in sunny Miami and collects around $15,000 in monthly income.

By now, you might be wondering: What exactly is "Virtual Florida Retirement" and can it really help you collect large, steady income checks – absolutely tax-free?

Public Law No. 94-455 Creates
Huge Boon for U.S. Retirees

This incredible income opportunity has actually been around since 1977.

If you remember, back in the '70s, the U.S. economy was going through a period of enormous turmoil. The Vietnam War had just ended... inflation and unemployment were rising rapidly... and the country was facing a huge energy crisis.

"The average person could take advantage of [Virtual Florida Retirement] without having to plunk down a large sum...

Here the individual with as little as $1,000 could earn high tax-free yields..."

~Michael Shamosh, analyst for New York-based firm Gabriele, Hueglin & Cashman

With the economic crisis grabbing headlines, most ordinary Americans completely missed the creation of this new income situation...

In short, President Ford and Congress passed Public Law No. 94-455 to reform the U.S. Internal Revenue Code...

The law permanently changed the tax code, making it possible for state governments to partly fund tax-free monthly payments to thousands of Americans.

The government of Florida, along with other big states like California and New York, became the major distributors of this income opportunity.

Simply put, this obscure law made possible one of the biggest boons to U.S. retirees.

Let me explain how it works...

Why the Gov't of Florida Needs to Pay You

State governments like Florida, California, and New York constantly fund the construction and maintenance of hospitals, schools, roads, bridges, and public buildings.

For example, Florida recently invested in hospitals in Brevard, Escambia, and Highlands counties... aviation facilities at the Miami International Airport... turnpike projects... and the State University in Tallahassee.

Because these projects involve billions of dollars, state governments came up with a unique investment plan some years back:

They'd help pay dividend checks to participating tax-paying citizens across the country... and in return, you'd get a stake in these government projects.

The federal law I mentioned earlier makes these tax-free payments legal and possible. In fact, it guarantees you the right to get paid no matter where you live.

So, where do the payouts come from?

It would be logistically very complicated for each state to administer the monthly dividends and send checks to U.S. citizens all over the country. As a result, private companies have stepped in.

In other words, private companies (listed on U.S. stock exchanges) act as intermediaries.

How much could you collect as a "Virtual Florida Retiree"?

By taking advantage of this government-backed dividend opportunity, you could receive 48 separate payouts in 2008 – 4 every month.

These payouts could easily total $100,000 or more in tax-free income over the next few years.

The exact date you'll receive your checks is not set in stone, but here's an estimated schedule based on past payouts (keep in mind, you'll receive 4 payouts on each day):

January 11, 2008
February 13, 2008
March 13, 2008
April 11, 2008
May 11, 2008
June 13, 2008
July 11, 2008
August 13, 2008
September 12, 2008
October 11, 2008
November 13, 2008
December 13, 2008

The sooner you get in, the sooner you'll receive your first check. In fact, if you get in now, you could even collect the first  few payouts of 2008.

But keep in mind, past dividend amounts and frequency are no guarantee of future dividend payments.

These companies collect the payouts from state governments, and pass on monthly dividends to regular investors like you and me.

In return, they pay no corporate taxes at the federal level.

This, of course, makes buying into Florida's dividend plan (as well as plans of other big states like California, New York, and Texas) the easiest thing to do in the world...

All you need is a regular brokerage account, and you could see your tax-free income credited to your bank every month.

Keep in mind, these investment opportunities are ten-times safer than regular stocks (because your dividends are supported by the government)... and they can yield 2-3 times more than most bonds.

Over the past 2 years, if you had bought 10,000 units in five of these opportunities, you would have collected as much as $97,590.

In total, the top 10 of these companies paid out more than $400 million over the last two years...

And according current estimates, they will collectively pay out another $202 million in 2008.

To get your share of these payouts, all you need to do is become a participant – which should take less than 5 minutes through your brokerage account.

So, out of the dozens of opportunities that generate tax-free government-issued income, which ones should you own right now?

The 4 Best "Virtual Florida Retirement" Plays

Out of more than two dozen companies that have a history of paying out monthly tax-free income, I've narrowed the list down to the 4 best...

FLORIDA PLAY #1: This company has an investment stake in hospital, airport, and toll road projects mainly in Florida, New York, and California. It has paid out monthly dividends every single month – without skipping a beat – since its inception in 1991. Keep in mind, the next payout date is on Feb. 13, 2008.
FLORIDA PLAY #2: With the equivalent of an 8.63% yield right now, this company has paid out dividends every month since September 1995. Recently it invested in several government projects in California, Illinois, and New York. This company will also pay you around Feb. 13, and the middle of every month after that.
FLORIDA PLAY #3 and #4: Both these companies have paid monthly dividends for more than 12 years – and currently yield the equivalent of around 8.5%. They currently have investment stakes in healthcare and waste management facilities in Florida, California, and Texas. Again, both of them pay out dividends around the middle of every month.

Right now, I believe these are the safest ways to make money in the markets – without touching risky, volatile stocks... and without settling for low-yielding bonds.

You see, it's a win-win situation for everyone...

You collect monthly income checks and PAY NO FEDERAL TAXES.
The companies are happy because they pay zero corporate taxes.
The states have money to fund essential projects for their citizens.
And at the end of the day, the citizens of Florida and other states benefit from better roads, schools, and hospitals.

It simply doesn't get any better than this in the investment world.

If you're interested in getting the full details on this unique income situation, I've just put together an in-depth research report:

It's called How to Become a Virtual Florida Retiree.

I'd like to give you immediate access to this report, free of charge. Here's how to get your copy...

Florida Multimillionaire Reveals
His Investment Secrets. . .

My name is Dr. Steve Sjuggerud.

I live and work on a beautiful island along the Atlantic coastline of Florida... And I've been in the investment business for about 15 years now.

I started out following the traditional route – I got an MBA, a PhD in Finance... and learned the ropes as a stockbroker, VP of a mutual fund, and eventually as a hedge fund manager.

About seven years ago, however, I left all that behind to start my own investment advisory service.

It's called True Wealth, and is geared for people who are retired, or would like to retire some time soon.

I'm proud to say we've quickly become one of the top 3 largest independent advisory services in America. I think we've done so well because my goal is to simply show people safe and simple ways to make great returns — which they are not likely to hear about otherwise.

You see, what I've found over the years is that most people simply take way too much risk when they invest.

And the crazy thing is, there's simply no reason to do so. If you know a few secrets, it's not hard to make very good money... without taking big risks in the stock market.

I told you about one such opportunity already – what I call "Virtual Florida Retirement."

But the truth is, there are dozens of these opportunities in the markets. The problem is, most Americans are focused exclusively on stocks and mutual funds... and miss out on these safe and lucrative "alternatives."

Let me show you another example of what I mean.

You see, there's another easy and safe way to make a heck of a lot of income over the next few years, which most Americans are completely ignoring...

Earn 180% Over the Next 2 Years,
Thanks to the U.S. Gov't

I'm sure you know about the current mess in the U.S. mortgage market.

It's sending shockwaves through the entire economy, including the stock market.

So it's no surprise the U.S. government is getting
involved – pumping out millions, all in an effort to "save the economy."

But here's what most investors don't know:

Thanks to what we refer to as the U.S. Gov't-created "ECONOMIC SECURITY FUND," you can cash in on the government's generosity, and begin collecting thousands of dollars – starting almost immediately.

In short, this government initiative could help repair any damage done to your stock portfolio during the recent credit crisis... and could even make up for any losses you've had in the housing market.

The truth is, there's no telling when the housing market is going to get better... or when the stock market could take another dive.

That's why I think it makes a lot of sense to avoid ordinary stocks, and take advantage of this government-backed opportunity right away. It enables you to capitalize on several investments that are guaranteed by an agency of the U.S. government – also known as U.S. government sponsored enterprises (GSE).

To give you an idea of just how good this investment is at making money when the markets get shaky:

From 1998 to 2002, these government-created investments helped some investors make as much as 518% gains, which included 109% in dividends.
From January 2001 to the middle of 2003, it helped investors make gains of as much as 461%, including more than 100% in dividends.

Of course, with this much money at stake, I'm not the only one who's caught on to what a good opportunity this is right now...

Forbes magazine called these investments: "a less volatile alternative to a frothy stock market, with more income than stocks offer."

The Wall Street Journal said it "means fat dividends for shareholders."

In fact, I've already helped hundreds of people take advantage of this opportunity. Some of them recently wrote in to tell me how they've done:

** Julius Els, for example, is from Utah. He wrote to tell me: "Okay, I looked up my paperwork... I received the dividend in my account on 4/29... a total of $2,430 in a little over a month. I would have never heard of this if not for you."

** Mark Towson, from Rochester says: "It's about time the Government started paying me instead of the other way around."

** Doris Glanville, from San Jose, CA, wrote to say: "I am a 75-year young widow. This investment enabled me to take a 3-week vacation to the Maritime Provinces (from which I just returned) and I have you to thank for it."

** Victor Ewing, from Austin, adds: "I hadn't felt safe putting money into anything else. So after reading your letter, and doing some research, I called my broker and put it into the recommendation and have just received the first quarterly interest payment of $8,000."

The way I look at it, let others worry about real estate market and the housing market...

You can simply sit back and earn huge dividends (and as much as 180% in capital gains over the next 2 years) all thanks to the U.S. government and its program to stabilize the economy.

If you're interested in taking advantage of this opportunity, I'll send you my full report: How to Make a Fortune Thanks to the U.S. Government.

Again, you'll get it free of charge as soon as you give True Wealth a try.

Is True Wealth for you?

The answer depends on the type of investor you are...

Why This May Not Be For You

If you are obsessed with chasing the next hot stock fad — like Internet stocks a few years ago... and oil stocks last year, True Wealth is probably not for you.

I've been in this business long enough to know that for every person who makes money chasing hot ideas, 20 more get burned and lose their shirts.

So, what I focus on in True Wealth instead are unique and overlooked ways to safely multiply your money.

I've told you about two of these strategies so far: "Virtual Florida Retirement" and the U.S. Govt's "Economic Security Fund."

But that's really just the beginning...

On the third Friday of every month, I send out my True Wealth Investment Briefing, which details my favorite new moneymaking opportunity in the world.

If you choose, the next issue will arrive in your e-mail box on January 18, around 6:00 pm Eastern Time. Soon after, you'll receive a hard copy in the regular mail.

I might cover a unique high-yielding bond. Or a safe stock that pays a huge dividend. I may write about a CD that pays more than twice the normal rates... or maybe something completely new that you've never heard of before.

Typically, the things I uncover will be safe opportunities you aren't likely to hear about anywhere else. I've given you two examples of these types of investments here in this letter.

You see, what I've found is that 90% of the investment public isn't even aware of the fact that these types of unique investments exist. But you can use them to safely make a fortune.

The two things all of my investment recommendations have in common are:

1. They will be extremely safe, with the potential for very good gains.
2. They will be easy to buy and sell.

I write True Wealth each month to help regular Americans make smarter and safer decisions with their money.

What I've learned, however, is that many professionals have begun using my ideas too, often for themselves, and sometimes for their clients...

A few of these folks wrote recently:

Subscriber Gary Munson, who's a Certified Financial Planner and a Senior VP at one of the world's biggest investment firms, told us: "After being in the investment business for almost 24 years, I feel I'm fairly qualified to evaluate investment recommendations as I am a financial advisor and portfolio manager. Steve's recommendations and the way he thinks are absolutely top-notch. His newsletter recommendations have become a major arrow in my quiver that I am able to utilize in my own clients' accounts. I read a lot of newsletters and other literature constantly looking for investment ideas, and Steve's TRUE WEALTH ranks at the very top."
Subscriber Brian Rose, a full-time equity trader from San Francisco, wrote to say: "I KNOW I will have much more money for retirement because of Dr. Sjuggerud's True Wealth. It is comforting to know that Steve has no agenda other than to make me money."
Andrew Lawson, from Charleston, SC, said: "I was a stockbroker for 19 years. I trained with the 4th largest NYSE member firm at that time. I learned more from Dr. Sjuggerud in the last 8 months about the wide universe of investments than I learned in 19 years as a broker... Steve's recommendations are conservative, they make sense, and they regularly make large profits — much more than one would expect from safe investments."

Why are these professionals so full of praise? I think it's because I've been able to consistently help them find safe and unique investment ideas they can use for themselves and their clients.

Here's another example...

Have You Heard About "Gold-10"?

Lots of people are excited about gold investments today, and for good reason.

I believe we are still at the beginning of a long-term gold bull market, which should last at least another 10 years.

But few Americans realize there's a secret government-created gold investment, which typically goes up about 10-times more than the price of gold itself in a bull market.

In the most recent gold bull market of the late 1980s, it shot up 665%. And in the gold bull market before that (late 1970s), it shot up 1,195%.

I call this unique investment "Gold-10" because it has a history of going up about 10-times more than the price of gold in a bull market.

I can't say much more about "Gold-10" here, except that it's been used by what seems like almost every wealthy American family over the past 100 years:

The Childes (early investors in Bell Telephone)... the Garretts (built America's first railroad)... the Brands (Chicago's big brewing family)... the Morgans (helped start U.S. Steel and General Electric)... the Lillys (started the pharmaceutical company of the same name)... the DuPonts (started the chemical company)... and the Hopkins (built the famous university and hospital in Baltimore).

My new research report, called Gold-10: The Secret Currency, explains everything you need to know, including how to buy, when to sell, and what I expect your gains to be over the next few years.

Again, this research comes free with your no-risk trial subscription to True Wealth.

But how can you be sure True Wealth is right for you?

Here's the test I recommend you take...

How You'll Know if True Wealth is Right For You

If you are interested in learning more about the ideas I've been discussing, I would like you to have the next 6 months to evaluate True Wealth and all of the research I've mentioned, at no risk or obligation.

That way, you can take your time deciding whether or not it's right for you. In fact, here's what I propose:

First, let me know if you would like to try my True Wealth research. You'll have access to:

Research Report #1: How to Become a Virtual Florida Retiree

Research Report #2: How to Make a Fortune Thanks to the U.S. Government

Research Report #3: Gold-10: The Secret Currency

Plus, you'll receive my True Wealth advisory letter on the third Friday of each month, sent first by e-mail, then by regular mail too. In every issue, I'll tell you about a new safe and easy way to make very good money, without taking big risks.
I'll also send you my daily e-mail updates, called DailyWealth. Here I'll tell you what I see happening in the markets and what I'm investigating day to day. DailyWealth will arrive in your inbox every day before 9 a.m.

‘I made over $1 million'

"I have been following Dr. Sjuggerud's investments for several years. Only wish I had known him early in my life. My $600,000.00 is now worth well over a $1,000,000.00. I think that I am almost ready to retire."

– Clyde Lafond, 68, Burbank, CA
"I have been reading Dr. Sjuggerud's reports for over six years. I took my wife's portfolio from her advisor and quadrupled it."
– R. C. Beck, M.D., 80, retired cardiac surgeon
"Of all the people I follow... Dr. Sjuggerud is, by far, the best at what he does...make me money! I have a 7-figure portfolio with many years of investing acumen. I'm up over 100K on his recommendations (in less than a year). No one comes close."
– Raymond Martin, 53, former news producer at CBS

Six months should give you plenty of time to decide if you like my research and my investment philosophy. If you decide True Wealth is not for you, simply let me know by phone, e-mail, or regular mail, and we'll issue you a full refund.

Of course, I can't say for sure if True Wealth is right for you. But I believe the research my team and I do is better than anything else out there, especially if you are looking for safe ways to make lots of extra income.

And I think our track record backs this up...

For example, I'm particularly proud of the investments we found during the last bear market, which made my subscribers very nice gains, while most investors were taking a beating:

During the last bear market, for example, I recommended a retail business with operations in all 50 states, plus Puerto Rico and the U.S. Virgin Islands. In 7 DAYS, readers who followed my advice could have made 300% gains.
A few days later, I recommended that folks in my special trading alert buy one of the biggest electronics firms in the world. 19 DAYS later, this recommendation realized a GAIN OF 341%.
A few months later, I recommended a trade on one of America's most important telephone and Internet service companies. In 22 DAYS investors who took this advice could have made 111% gains.

In the past year, we've found opportunities that have returned 123%... 118%... and 11 recommendations that have returned at least double-digit gains.

I know anyone can cherry-pick a few winners. But our overall track record is unmatched as far as I know. As of the publication of my Dec. 2007 issue, for example, we had 24 recommendations in our model portfolio. 17 of these have made good gains... and on average we're up 18%.(The S&P 500 was only up 2% in 2007.)

I can't make any promises about how much money you will make as a result of following my investment recommendations. But I believe my research will expose you to some of the secrets of the financial world, which are normally reserved only for the very wealthy.

I think these secrets will make a shocking difference in your life. Why do I say that?

Well, over the past few years, many of my readers have written to us, with the details on how these safe and unusual investments have changed their lives. (I've included a few in the sidebar above.)

True Wealth, by the way, is embarrassingly cheap.

But before I give you all of the details, there's one more unusual opportunity I'd like to tell you about...

My Favorite $2 Stock to Buy in 2008

On a trip to Vancouver a few months ago, I found a tiny $2 penny stock that's a simple and powerful money machine.

Now, usually, I'm extremely cautious about investing in penny stocks. They're just too risky and volatile...

But this company does something very unique:

It lends money to wealthy businessmen in private deals – and makes huge amounts of money in interest every month. In short, it's a way for you to get rich off rich folks.

What people don't know
about Steve Sjuggerud

   I'd like to reveal a few things about Steve Sjuggerud that he would never tell you about on his own.
   I'm doing this because I think it's important to know something about a person whose investment research you might want to follow.
   Most people don't know Steve went to college when he was just 16... got his MBA by the time he was 21... and later got a PhD. Most people also don't know about some of his interesting hobbies...
   Steve has more guitars than anyone I know. He has a garage full of surfboards—and also collects stamps, coins, and autographs.
   And yes, he has his quirks...
   No matter how many times I try to take Steve out to nice restaurants, for example, he always prefers hamburgers and pizza to anything gourmet.
   But one thing you can say for sure about Steve is that he is passionate... about finding unique investment ideas... his hobbies... and his family.
   I think you will notice immediately how different True Wealth is from every other investment letter you have ever received.
   Steve does not toot his own horn. He does not make bombastic claims. He simply finds unique investment ideas you will not read about anywhere else.
   What's great is that Steve's recommendations are so good, many rich money managers subscribe. Yet his ideas are simple enough so that you can take advantage of them no matter how much you have in the bank.
   Of course, the best part is, if you're not happy for any reason with True Wealth, you can get a full refund for every penny you paid.

George Rayburn
Publisher, True Wealth

I believe this $2 stock could make you triple-digit gains over the next few years. It could easily be the world's best-performing stock of the next decade.

You can get the full details on this company in my research report: My Favorite Small Stock in the World Right Now.

Again, this research comes free with your subscription to True Wealth.

As I mentioned, True Wealth is ridiculously cheap.

A full year costs just $99.

Why do we make it so inexpensive?

The truth is, between acquiring new customers, travel and research expenses, overhead, and salaries, we barely break even.

The only way we stay in business is by providing you with research that is so good that you'll want to continue your subscription with us, after the first year.

We've quickly grown to become one of the biggest independent investment research groups in America, because our customers stick with us after giving our work a try.

You'll have to decide for yourself if True Wealth is right for you. I encourage you to give it a try right away. And as soon as you let us know you are interested, I'll send you the details on how to access the 4 unique investment ideas I covered here:

1. How to Become a Virtual Florida Retiree
2. How to Make a Fortune Thanks to the U.S. Government
3. Gold-10: The Secret Currency
4. My Favorite Small Stock in the World Right Now

As soon as you start your trial subscription, I'll e-mail you all of the details on how to access them.

I know there's a lot I've covered here. But there are some really good opportunities in the investment world right now — and I want to give you everything you need to know to take advantage of each of these situations immediately.

I'm pretty sure that almost all of these ideas will be completely new to you.

What's nice is that even if you follow up on just one of these opportunities, you should be able to safely pay for True Wealth, many times over.

I look forward to hearing from you soon.

To get started right away, Subscribe Now

Sincerely,



Dr. Steve Sjuggerud
January 2008

P.S. I realize that you've got to try my research first, to see for yourself how it works and if it makes sense for you. That's why we make it so cheap to try. Frankly, I'm a little embarrassed that we charge so little, especially when I think about some of the services I used to subscribe to as a mutual fund manager and hedge fund manager... which were not half as good. But that's why my publisher and I decided to offer my work at such a low price — we want to make it easy and affordable for you to try it, risk-free.

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