After the Dot-com-bubble from 2000-2003 decreased market values by nearly 50% sending hundreds of thousands of retirees back into the workforce, the banking industry systemically lowered mortgage qualification standards and drew more artificial value into the markets creating a housing bubble.  They washed their hands of the mess and sold these mortgages as bundles of “mortgage-backed securities” to investors, largely retirees, who again lost more value when the housing bubble burst.  Let me know when you’re ready to learn about non-banking-centered growth of your savings.

Contact me and we’ll begin that conversation:  PH: 209-651-0809 or


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