January 2002

Dr. John Fitzgerald and Dr. Zach Harrison, after years of frustration with their ill-performing investment portfolios, decided to start researching for better alternatives that would leverage their hard-earned income.  In 1999, after tremendous personal success, they formed Madison Financial; a company that gives investment recommendations and cash flow advice primarily to fellow doctors.  After years of research and testing different investment vehicles, their conservative systems are quickly becoming an industry standard in the chiropractic profession.   Although these systems were meant to be for the benefit of chiropractors, they also share their progressive knowledge with non-chiropractors.

            Because of the increasing number of phone calls and requests for our information, we have decided to dedicate this month’s article to answering the most common questions we typically are asked.

Why did you feel the need to create Madison Financial?

            In order to be truly influential in any market, it takes a significant amount of money. We have 60,000 plus chiropractors in this country. By showing chiropractors how to become wealthy, we will have a stronger and more influential profession.

            As chiropractors, we were never taught the systems that would leverage our incomes into wealth.   After researching the cash flow principles of the wealthy, we decided to fill the educational void in the chiropractic profession.  Doctors now have access to investment vehicles that provide greater returns than typical middle class investments without any of the risk that would traditionally accompany higher yielding vehicles.

Why do you believe your methods are so empowering for the»average doctor?

            They are time tested and utilized by the very wealthy.  Even massive US banks like First Union Securities and investment firms like Solomon Brothers utilize these methods to ensure their continued growth and market dominance.

            There are countless financial experts out there that feel their system is the best.  What makes your system different and better than the others?

            The financial experts that we reviewed, recommended investments that only have historic returns of 2 - 10%. We cannot understand how someone expects to become wealthy by making 2% - 10% on his or her investments. This barely beats the rate of inflation!

Where do most people go wrong?

            They make mistakes in trusting advisors who truly don’t have their best interest at heart.  These advisors usually are more concerned about their own commissions, rather than your safety and rate of return.  Other common mistakes include: buying liabilities instead of assets, buying assets that have too small of a return and buying assets that involve too much risk.

You’ve been quoted as saying: “Don’t blame your broker, blame yourself.” That seems pretty harsh! What do you mean by that?

            Nobody cares more about your money than you do. Become a student of money and it’s methods for growth.  Most people have aggressive goals for their money and “trust” a broker who makes less money per year than the average doctor.  Some of these guys would tell you anything just to gain a commission.  You must do your homework and verify their claims with regards to safety and return.

What do you recommend as far as investments?

            We have tested and tried many types of investments that have failed to meet our requirements.  Great investment opportunities are certainly rare.  We were searching for those investments where there would be very little to no risk and a return of 30% or more per year.

            The investment vehicle that clearly stood out was the government guaranteed tax lien certificates.

            These are secured loans that are made to the government that guarantee a minimum return of 8% to 25% with the potential of making up to 10,000%!

Isn’t it true that anytime you attempt to increase your percent of return you are inherently going to increase your risk?

            That is a common belief that we found to be incorrect.

            How do you think that a bank can pay you a guaranteed 3% on a CD?  The bank will buy tax liens that are government guaranteed for at least 12%. These banks will then pay you 3% and keep 9% for themselves. These banks assumed no risk because the tax lien is government guaranteed.

Depending on the abilityto buy tax liens that go to deed, a tax lien can payseveral thousand percent.

You don’t like any of thetraditional investments likemutual funds?

            They are dependent on the stock market, and traditionally haven’t met our requirements. Who wants to be up 25% in 1999, down 15% in 2000 and then lose another 20% in 2001?  Another example of something that we really don’t like is when the mutual fund broker still gets paid whether you make or lose money. Nothing is more frustrating than paying a brokerage firm money, even though your account value went down.

I’ve heard a lot of people say that Real Estate is the way to go, do you agree?

            Lots of people have become very wealthy with property development.   The problem here lies in the fact that in order to consistently realize large profits, you have to spend a lot of your personal time and effort away from your office.  So, for the practicing doctor, property development and Real Estate are not practical. However, acquiring a property through a tax lien is great because our purchasing agent (an experienced real estate attorney) handles the sale of the property so you can turn around and reinvest the massive percentage gained.  We also like the higher degree of safety with real estate and tax liens compared to the stock market.  Real estate doesn’t devalue like a company that is publicly traded can.

What services do you provide for your clients?

            We teach cash flow principles that are geared to acquire assets and provide recommendations to investment vehicles that we have found to meet our criteria of high safety/high return. Our clients can now benefit in days from what took us years to find out about.

What do people get to learn about in your free newsletter?

            Investment Updates, Economy Updates, Progressive Concepts for Maximum Safety and Growth, and more.

What is the charge for the newsletter?

            There is no charge for our newsletter.  You can sign up for this newsletter using your email address at our website: www.madisonfinancial.com

What three things can people do today to learn about how to get results like you?

            Go to the website and sign up for the free newsletter, read in detail on the website about the investment vehicles that we recommend, and take action.

You talk about the chiropractic profession needing money to make an impact, do you haveany other plans to help theprofession?

            Yes, we do.  Our goal is to make 10,000 chiropractors worth 5 - 10 million dollars by teaching them how to leverage their incomes.

            We at Madison Financial will guide chiropractors through three main steps:

            a. Teaching chiropractors how to build their asset column so that each chiropractor will have a passive income.

            b. Helping chiropractors invest in high yielding government guaranteed investments.

            c. Teaching chiropractors how to reduce their capital gains exposure by donating a small portion of the profits to a chiropractic charity or non-profit organization.  We are still deciding upon what non-profit group we will recommend. 

            Doctors win by becoming very wealthy and the chiropractic profession wins by your tax-deductible donation. What if the chiropractic profession was able to raise 100 million dollars?  Don’t you think this would help benefit the profession and it’s worldwide goals? 

            Our goal is to make 10,000 chiropractors worth 5 - 10 million dollars

by teaching them how to leverage their incomes.

            Our goal is to financially empower the doctors and the profession as a whole.  Since 1999, we are well on our way.

            Go now to www.madisonfinancial. com and follow the three steps detailed on the homepage.

What’s your favorite success story?

            It is about a 39-year-old chiropractor who has been practicing for over 16 years and had money in different vehicles recommended by his financial planner. In 1999, one of the greatest years ever in the stock market, he was stuck in bonds and used most of his money for debt reduction.  After 16 years of running a very large chiropractic clinic he has relatively few assets because he was told to pay off his liabilities first.  After only a short period of time he has stopped speeding up his liability payments and has now focused on building assets.  He has mortgaged his home, sold his bonds and used his retirement plan all to buy tax lien certificates.  Now his money is finally working for him after all of these years.  He will now be financially independent before 2005.