FCM's 401(k) Plan School
Frank teaches students how to have more money; more time; and less stress.
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You’re About To Learn Secrets That Most Employees Will Never Know About 401(k) Plans

So fill out the form below for your free lessons

   
:
:

  • Investing does not have to be hard work, time consuming, or stressful.
  • Congress proved that most plans cost more than they should.
  • Making your 401(k) plan truly low cost is easier than you think. 
 
 Expert author, Frank Cirullo
 
 

Three Things That Every Person Wants Most:

  1. More Money.
  2. More Time.
  3. Less Stress.

I'll teach you how to go three for three.  Easy!

Let me assure you that cutting expenses in your 401(k) plan is both practical and necessary. Remember, Congress proved that most employers and employees don't know how much they are really paying their plan and its investments.
 
Will you consider the possibility that your plan costs more than it should?

 
After you complete a few quick lessons you, too, can enjoy the benefits of having more money; more time; and less stress.  Isn't that really what you want?
 
So, go ahead, enter your name and e-mail above so that I know where to send your free tips and lessons.
 
Best wishes,
 
Frank R. Cirullo
 
Founder 401(k) Plan School and First Capital Management in San Diego, California.
 
 
 
Are wondering  if you can get these great
tips and lessons in one place?
 
Finally, the answer is yes!
 
 
Frank Cirullo's book will be released in the 1st quarter of 2009.
 

 
Table of Contents
 
Introduction
Preface
Chapter 1 - Facts Are Facts
Chapter 2 - Know Your Numbers
Chapter 3 - Stop Paying For Advice You Don't Need 
Chapter 4 - Beware The HIgh Cost Of Free
Chapter 5 - Make Basic But Profound Changes
Chapter 6 - Stop Trying To Beat The Market
Chapter 7 - Choose Your Adviser Carefully
Chapter 8 - Don't Make This Classic Investment Mistake
Summary
 
 
 
 
Privacy Statement  
 
We respect your privacy and never sell or rent our customer lists. First Capital Management does not share personal information about you with other people or non-affiliated companies. We limit access to personal information about you to only our employees who we believe reasonably need to come into contact with that information in order to do their jobs. We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you. Account information is password-protected. In certain areas industry-standard SSL-encryption is used to protect data transmissions.
 
Mission Statement 
  
The prime directive of First Capital Management is to promote and teach effective ideas for managing a plan. Only proven ideas that actually save a plan money are discussed; therefore, hypothetical illustrations are not used. We are committed to uncovering the unnecessary EXPENSES and making them TRANSPARENT.
 
 
 
About 401(k) Plan School
 
Frank R. Cirullo, your teacher, is a Registered Investment Adviser and twenty-five year financial veteran. He teaches students how to have more money; more time; and less stress.
 
Frank breaks down complex financial topics into small chunks so that any person who can read, and add and subtract can profit.  He is the founder of FCM's 401(k) Plan School, FCM's 403(b) Plan School, FCM's Student Center, and First Capital Management. 
  
If you think there are too many me-too products and services these days, you're right! That's why your teacher, Frank Cirullo, shows you how to narrow down your choices to what's optimal. That way you, too, can optimize your plan and its investments so that it truly serves YOU rather than your plan's vendors.
 
Save time—learn how to eliminate the myriad investments, products, and services that only create the illusion of making your plan optimal. 
 
 
 How To Link To Us
 
If our information has helped you, please support us by adding a link to us from your Web site. That way all of your employees will see it, and they, too, can benefit from our free education.
 
Easy!  Copy and paste our html link, shown below, into your Web site.
<a href="http://401kplanschool.com/">401(k) Plan School: Featuring Free Education</a> 
It will appear on your Website like this: 401(k) Plan School: Featuring Free Education
 
 
 
Important Information
 
The information is for general information only and is not intended to provide specific compliance, regulatory or legal advice. For further information, contact your legal or compliance advisors.
 
Important details about stocks and mutual funds:
Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value. Past performance is not an indication of future results. An investment in a money market fund is neither insured nor guaranteed by the FDIC or any other government agency. 
 
Important details about government guranteed and FDIC inured investments:
Certificates of deposit offer a fixed rate of return and are FDIC insured. T-Bills, notes, and bonds are backed by the full faith and credit of of the United States Government.
 
 
First Capital Management
16776 Bernardo Center Drive, Suite 203
San Diego, CA 92128
1.858-487.1339
 
© Copyright 2008 Frank R. Cirullo. All rights reserved. Printed in the United States of America. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise with the written permission of the author.