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I retired in 2013 after serving almost 25 years with the United States Treasury Department in Washington, DC and Philadelphia. I became aware of the Crash Proof Retirement System during 2008 when the Crash Proof Retirement Show was first broadcast on WPHT, 1210 Radio in Philadelphia. Being a member of the Treasury Department during the Bush, Clinton, and Obama Administrations endowed me with knowledge the average citizen is not usually cognizant of with respect to the economy and things of a financial nature. The then New Obama Administration’s Economic Advisor at the time, Christine Roamer, was proposing adverse radical changes to 401K Plans (e.g. eliminating the Tax Sheltering aspect of the Plan) which I considered both possible and unacceptable. I continued to listen intently to Phil Cannella’s weekly program and started looking at possible alternatives to the Government’s 401K (aka Thrift Savings Plan) for my retirement (which was not far off) and considered the Crash Proof Retirement System as an alternative to the Thrift Savings Plan. I arranged for an interview at First Senior Financial Group in King of Prussia, Pa. Everything was laid out in front of me and I can assure you, I asked probing questions which individuals with my background would put forth. I could find no deception as to what had been presented to me. After the initial meeting I looked further into the validity of the Crash Proof Retirement System and decided to become a client. The Design Team came up with an absolutely magnificent package which has resulted in a stunning 16.7% increase in our original investment in one year with First Senior Financial Group’s Crash Proof Retirement System. As a former member of the United States Treasury Department, I can attest to the validity of everything I have heard Phil Cannella and Joann Small present to the public to date, both on their radio program as well as in private meetings with my wife, Ms. Small, Phil Cannella and their Associates.

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Frank DeFelice

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I had company stock, and it made me pay attention to the overall market—all the other indexes and how they fluctuated. I saw enough of that in my mutual funds, I saw enough of the volatility of the market. I’d rather have [my money] in the bank where I feel I have control. Crash Proof Retirement seemed to fit my conservative way of thinking. Most people get three meetings—they gave me five. I liked that. I’m making gains, and not stepping back at all. If the stock market crashes, everything levels out and we don’t lose anything. Crash Proof Retirement was able to customize a program just for me. I told them the types of things that would make me feel insecure, and they don’t have anything like that in my plan. I didn’t have to put everything I owned into it. I felt like my advisor listened to what I needed. I also like that the advisors do not take any payments. I found that hard to believe in the beginning, but it’s true. Over the last five years, Crash Proof Retirement has given me peace of mind over my finances. Phil is needed in this industry, especially with the way the economy is going right now. I feel like Phil and Joann have devised a way to help people.

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Doug and Eileen Flor, Richboro, Pa

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I had lost a substantial amount of my 401K, which was the largest portion of my savings. I heard about Crash Proof Retirement on the radio, and decided it was something I needed. I wanted to hold on to my money, while earning as much interest as I could on those investments. My first appointment at Crash Proof Retirement—I brought some information with me, and I learned some of the basics. But on my second appointment, I met directly with Phil, and he really elaborated on how this works—the downfalls of the market vs. the Crash Proof Retirement System. You get the [401K] statement every month, and you just look at the bottom line. You don’t realize what you are paying for, and when I started looking at it I realized those fees can be rather high. It’s great to know that these [insurance] companies aren’t going to fail—they have to report to the state. The fiduciary responsibility will protect me. I can feel confident that I’m not going to lose everything. It just seems to me that Phil and Joann are concerned with everyday people—they take a personal interest in you. I feel confident that I’m not going to lose my principal. Every year, I will have a review here and that makes me confident.

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Joann Mattia, Downingtown, Pa

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I took a 40 percent hit on our money in 2008,” said Vince Natale, “and I vowed to myself and my family I would never again risk that stability in something as volatile as the stock market.” I used to think I was at least somewhat savvy as to how to invest money, but I didn’t know half of what I should have known. I was made aware through Crash Proof Retirement. Even right now, they’re talking about Russia and China changing our monetary system, or deflating the dollar. There are too many outside influences on the stock market that we have no control over as normal, everyday citizens. I want to put more control in our hands. To me, Crash Proof Retirement is peace of mind. It’s something I can do for my family to guarantee some of their financial security. We sleep better at night, knowing that we’re not going to take that 40 percent hit like we did in the past. Crash Proof Retirement provides that stability and security, and we can enjoy the rest of our retirement.

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Vince and Joyce Natale, Havertown, Pa.

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As we listened to Phil, it became obvious that there was a better way to invest—a safer way. We were not at the period of life where we were really building income. [We were] beginning to start managing what we had built. We needed a different plan for that stage of life. Here was a vehicle that was not being widely promoted at all. The fact that it was not being mentioned by advisors drove my interest to learn more about it. The people at Crash Proof Retirement could not have been more helpful. They showed us examples, they discussed and answered all of our questions to the point where we became really comfortable. Most mainstream media financial advice on maximizing your retirement is ‘buy this, invest in that.’ But those things are risky. They won’t help you sleep at night. I am 100% confident that we are Crash Proof, and we will be able to live out our lives the way we had designed—and we’ll leave something behind for our three children.

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Stephen and Sandy Desirey, Skippack, Pa

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My decision to get out of the market came with the fact that I wasn’t getting the type of return I needed. The market was up, then down… I felt like we could be looking at a crash. The event opened my eyes—Phil Cannella did a wonderful job. Then we put together a formula to continue investing with Crash Proof Retirement. There was absolutely no pressure through the whole process. It was my decision, and everyone was extremely helpful and well-educated. “With the market the way it is, I would highly recommend attending an educational event. Your eyes will be opened to the alternatives to the stock market. This is a great opportunity.

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David Levens, Lancaster, Pa

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Everything we had done was a slippery slope. You gain $5,000, then you lose $7,000. We were trying to plan out our retirement. We didn’t want to be stuck at the end of our employment, worrying about being able to meet our obligations. When I heard about Crash Proof Retirement, I thought ‘I finally got an answer to my prayers.’ “I’m all about not losing money. I’m all about not having to worry about what to invest in, and the ramifications of making a mistake. The people I spoke with seemed honest and sincere. And quite honestly, the people I dealt with in the market did not. Their bottom line was their bottom line—how much were they going to make on commissions? To be able to put my money in some place that’s secure, to have someone spell out to me ‘you can never lose your money’… to me, that’s a no-brainer. If anyone can go out there and find something better, have at it. It’s a question of how much we made, rather than whether we lost anything. That’s been immensely relieving to me as far as my mental health. I’ve made 2-3 times more money here than I did chasing stock markets, bonds or anything else. The longer you wait, the longer you won’t see any returns. If you go to an event, by the time you’re done you’ll be asking ‘Why did I wait so long?’

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James and Marian Renard, Clarksboro, Pa

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I was under the impression that we were making 7 percent per year [on a variable annuity] compounded,” John explained. “Phil called the [issuing] company and asked straight questions that we didn’t know how to ask. He got straight answers, too. I’m not used to being lied to. I’ve been in business all my life, and there have only been a handful of times that I’ve even had to sign a contract. Most deals are done with a handshake, and everyone was satisfied. You give someone your word. That’s the way business should be done. And that’s the way Phil does business. He tells it like it is, and there are no ifs, ands, or buts. Crash Proof Retirement means security of knowing your money is not going to evaporate. With stock market ups and downs, the money that you thought you had can go away. It’s very important to me that my money is secure. We lost money prior to being in the Crash Proof Retirement System, but we haven’t lost any since.

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John Kaufmann, Lancaster, Pa

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I’ve read enough to know that things are very unstable right now. So if all our monies are invested in the stock market, there’s a very high potential to lose a lot of money. We wouldn’t have the time to make up any losses. With Crash Proof Retirement, our money has the potential to grow, but there’s never that risk of loss. I don’t care what facet of life you’re talking about—when you understand something, you can make a decision and you know it’s the right decision. I would like to thank Phil for this, because I feel so much at ease. He worked directly with us at every meeting.” I feel like I can go home and sleep tonight, because our money is protected. My husband, our home, our family—we’re all going to benefit from this.

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Kathy Driscoll, Swarthmore, Pa

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My son was listening to the radio, and he said to me, ‘Mom, I’ve heard about this Crash Proof Retirement program. You should really check it out before you make a decision.’ I went to one of the luncheons and it was very educational. So I made my appointment and received more education. There was no attempt to sell me anything—it was more about where I would be comfortable placing my money. I had an advisor who was determined to put my money in stocks, bonds—various things that represented loss in my mind. I’m conservative. So I kept telling him we should really look at some other things, and he said this was the only way we could go! When I told my advisor that I was going to go with Crash Proof Retirement, he told me that he thought I would be very sorry. I said, ‘Well, I’m going to have to learn that for myself. I think this is the best option.’ I came to have my annual review done. The market has been very volatile, but I was very pleased with the results that were returned through my Crash Proof vehicles. The nice thing is that money that I’ve earned; I can’t lose in the future. That was one of the main reasons I came with First Senior Financial Group and used this Crash Proof Retirement Program. I got a letter from [my former advisor], saying he thought he should listen better to his clients. I thought that was very interesting, very telling.

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Theresa Miller, Lansdale, Pa