Ex-Accountant at Two of World’s Biggest Banks Swears Under Oath
“Yes, it’s true…
Bankers are using a secret account to earn 30-40 times more interest on their money than they offer general public.
These accounts are available to anyone—but the bankers are keeping their lips sealed.”
Twelve-month investigation blows lid off scandal that has been “keeping U.S. retirees poor.”
➢   FACT: The average American savings account currently pays 0.12% interest                                                              
-Source: Bankrate
➢   FACT: 4,000 banks have taken out over $140 billion from their own banks and placed it in secure “770” accounts were they are earning between 4.5% and 5% interest
-Source: FDIC 
➢   FACT: Nearly all Americans have access to these same tax-free accounts, even though the government restricts the advertising of these programs
-Source: IRS legal code
Bob Irish
Palm Beach, FL
Friday, Aug 9, 2013
Wells Fargo…
Bank of America…
Do you know what your bank is up to?
While the average American earns 0.12% interest in his or her savings account right now, bankers are secretly funnelling their money into little-known “770” accounts, quietly earning between 4.5 and 5%.
Tom, Ex-banker
Identity hidden by request
“It’s preposterous. There’s no reason every American shouldn't know about these accounts. I’ve put over $50,000 of my own money into these accounts myself.”
Jason, Former V.P.
at Chase Bank
“No one is telling Americans about the 770s. Not banks. Not Wall Street. Not the government. In fact, government places incredibly tight restrictions on the advertising of these programs.”
Today we bring you inside the world of high finance and uncover the banking industry’s biggest secret—a secret account so powerful bankers have withdrawn billions of dollars from their own banks to invest in it.
In this special report we’ll show you how everyday Americans have started to take advantage of these underground accounts and how you can do it too.
Tim, Father of Three
“This has been a godsend for our family.”
Where Bankers Put Their Money:
The “770” Account
Hi. I’m Bob Irish, reporting to you from Palm Beach, Florida.
I’m here today because I’ve been part of a special investigation that’s uncovered what I believe to be one of the biggest banking conspiracies of the last 50 years.
The scandal we’re going to expose today is so big and wide-ranging that practically every man and woman in America will be affected by it.
It involves all the biggest banks in the country—Chase, Wells Fargo, Bank of America—as well as thousands of smaller community banks and credit unions.
All told, about 4,000 banks are in on the “scheme.”
But this has nothing to do with banks stealing money from their clients as they recently did in Cyprus, the small European country.
And it also has nothing to do with the big bailouts many of America’s biggest banks received a few years ago…
No, what we’re going to cover today has to do with large, secret transactions that have been taking place inside America’s banks for years now… all behind closed doors.
These transactions are allowing bankers to earn between 30 and 40 times more interest on their money than what they’re offering you, the general public, and yet almost no one in America knows this is happening.
In fact, banks aren’t talking about this. Not on TV or the radio or in the papers. And it doesn’t matter how much money you have invested or how long you’ve been a client with your bank, they’ll likely never tell you about these accounts in person, either…
In a minute, we’ll feature testimony from an ex-banker who told us about these secret accounts and how they work.
Because so few people know about these accounts and because they sound “too good to be true,” this man even agreed to sign a sworn affidavit to prove what he was saying was true.
And what he revealed was shocking, indeed…
While most Americans—and especially retirees like me—are struggling to find decent yields on their money right now, bankers across the country are secretly using “770” accounts—named after the IRS code that allows them to exist—to earn up to 30-40 times more interest on their money… all 100% tax-free.
To put that in perspective, that’s the difference between earning $100 on your money in the bank—and being taxed on this amount to boot—and earning $4,000 tax-free in one of these special accounts.
In fact, these “770” accounts are so powerful some people have even started draining their 401(k)s to invest in them instead.
Here’s what one man told us…

“Before I discovered this account I was racking my brain about how to safely grow my family’s money. The crash of ‘08 really spooked me, and we lost a ton. That’s when I starting searching for a safer alternative and found out about the banker’s secret. Since then, I haven’t lost a minute of sleep or a single dime. My money’s just gone up and is on pace to reach hundreds of thousands of dollars over the next 10-20 years. I’ve even cashed out my 401(k)s and put all my safe money in this account.”

While very little information about these accounts ever reaches the general public, one Wall Street Journal article did slip through the cracks a few years ago.
Here’s what it said:
The 770 account, and I quote… “has become a tax shelter for the rich… it gives the affluent tax advantages far beyond those available to middle-income people through a 401(k) or IRA.” End quote.
The 770 has become a tax shelter for the rich because the money accumulated inside this account grows tax-free and can be withdrawn completely tax-free. Without penalties of any kind.
But it’s not only rich people who are allowed to take advantage of this account.
As part of our investigation, we spoke to a pastor from Arkansas who told us his church had racked up over $500,ooo in debt thanks to several repairs and purchases.
Remarkably however, within four years of starting his 770 account, the pastor had accumulated enough money to pay back over half of the church’s loans!
That’s over $250,000 in four years just by investing in this simple account.
But he’s not the only “non banker” who’s discovered this secret.
Another person said he made more money in his 770 account in six years than he’d previously made in 20 years by investing in his 401(k)… and still another person said he planned to use his account to fund a $100,000-PER-MONTH retirement
Naturally, when I heard these stories I was very intrigued, so I asked Tom, the ex-banker who first told me about the “770” account, to explain how it all worked.
To give you a bit of background, Tom is a certified forensic accountant by trade. He used to work at the trading desks of Salomon Brothers and Citibank in London, where he oversaw billions of dollars in trades each day. Tom left the banking world, however, after growing disillusioned with how the banking industry works. “It’s engineered for the small guy to fail,” he says. “No matter how much money they make using things like the 770 account, they’ll never tell people on the outside about them.”
Tom agreed to talk with us about this account under condition of anonymity. Here’s what he had to say…
When I mention the 770 account to people, the first reaction I get is, “if this account is so great, why haven’t I heard of it before?”
It’s a fair question. While everyone has been stuck chasing low-paying CDs, bonds, and dividends, bankers have been secretly accessing 770 accounts for years now… safely earning about 5% interest on their money. All tax-free.
And actually, when you consider the fees and taxes most investments have, this can turn out to be about the same as a mutual fund that returns 9.2%.
So why haven’t people heard of these accounts before?
Well, there are three important reasons the 770 has been kept hidden from the general public:
The first reason is that the government restricts the advertising of these plans—even though they’re 100% legal.
You see, companies that provide these accounts aren’t allowed to use words such as “savings,” “investment,” or “retirement plans” in their advertisements… even though that’s one way these accounts can be used.
But on the other hand, the good thing is you don’t have to report these accounts to the IRS. That means the money you have stored inside a “770” account grows—and can be withdrawn—100% tax-free.
In fact, that might be why the government restricts advertising on these secret accounts… because they can’t make a dime off them!
As a result, less than 0.07 % of the entire American population has opened up a “770” account—about one person in 1,500—while almost everyone in the country has a “standard” bank account and nearly half the population has a 401(k) or similar type of retirement account.
But the government’s restrictions on advertising aren’t the only reason these accounts have remained hidden from the limelight.
Here’s the second important reason:
Consider this. Did you know that Citibank has $4.5 billion stashed away in their own 770 account? Or that JPMorgan Chase has $9.8 billion?
Or what about Wells Fargo? They have over $19.3 billion invested in their 770 account. That’s twice as much money as they have invested in the infrastructure of ALL their bank buildings!
It’s incredible. All told, more than 4,000 banks have $140 billion invested inside secret 770 accounts.
But as a bank client, you’re not seeing a single red cent of these higher returns. All you get is the pesky 0-1% returns these bankers decide to throw our way.
I’m sure you can see now why bankers don’t like to tell the public about these accounts… They can make 5% on our money… and pay us a fraction of a percent in return!
It’s easy money.
But the problem actually extends past the bankers too.
The third reason most people have never heard about 770 accounts has to do with Wall Street. What they’re doing right now may really shock you…
Manhattan’s Secret Vault:
Why Wall Street has kept this powerful secret
hidden from you
A contact of mine is one of the leading experts on the 770 account. She works almost exclusively with big clients, including one of America’s biggest financial gurus and several people from Goldman Sachs and other large investment banks.
I recently spoke to her, and here’s what she said to me:

“NO ONE in Wall Street has their money in stocks today—many of them are invested instead in 770 accounts.”

Now consider what this means.
Here are the same investment professionals who’ve been telling their clients for years to “buy stocks”… and meanwhile… they’re all putting their money somewhere else!
Can you imagine the outrage this would create if most people found out about this?
That’s why you’ll probably never hear your broker mention this investment to you, no matter how much money he (or she) has parked into it.
And while the mainstream media haven’t picked up on the 770 accounts … they have started to realize something “doesn’t add up” on Wall Street…
According to a recent Morningstar study, out of 2,257 equity managers investigated,51% owned ZERO stake in the funds they manage!
And another report recently told how one Merrill Lynch employee got caught, in a series of email exchanges, calling the stocks they recommend as pieces of “junk” and “crap”!
It’s enough to make your stomach turn. These are the investment “professionals” most people depend on for their retirements.
That’s why I got out of the industry.
Because big banks and Wall Street are all the same.
They tell you to do one thing with your money… and do the exact opposite with their own money!
If you look around, you’ll see that this happens all the time.
For example, think about the fiasco that occurred with Facebook’s IPO. While the average investor got fleeced—with the price dropping 24% in the first three days of trading alone—Morgan Stanley blocked important research from getting to regular investors, including many of their own clients. The same kind of thing took place during the financial crisis.
That’s why it’s much more important to look at what bankers and brokers actually DO with their own money, rather than what they tell other people to do.
The reason we dedicated this special broadcast to the 770 account today is because that’s what the world’s financial elite are doing with their money right now.
Recently, a CEO from a Midwestern bank was overheard telling one of his advisors the 770 accounts were his bank’s “best-performing” investment. His bank made so much money with this account that he ordered his executives put into these accounts, and I quote, “the maximum amount that the laws and regulators would allow.”
During our investigation, we also discovered another banker who liquidated his 401(k) account and is now putting in $24,000 a year to grow tax-free inside his own personal 770 account.
We reached out to this CEO to try to get him to appear on camera. However, when he heard what we wanted to discuss, he refused to talk.
But even though the bankers are keeping secret, the key principle again is to watch what they do, not what they say.
And in fact, it’s quite illuminating to see who else has used the “770” account throughout history.
121 Years of Payouts
While most Americans have never heard of the 770 account before, the truth is, it has been used by many of the world’s most powerful people for the last 100-plus years.
The Kennedys used it.
So did U.S. presidents Taft, Cleveland, McKinley, Harding, and FDR. (In fact, Roosevelt held a substantial portion of his wealth—$562,142 or over $7 million in today’s dollars—stored inside his own secret “770” account…)
Even the Rockefellers are rumored to have used the “770” to substantially grow their family’s fortunes.
Why only rumors?
Well you see, because 770 accounts are private agreements between individuals and the companies that issue these accounts, it’s very difficult to determine who does and who doesn’t store money in one of these accounts.
That’s another reason the rich love it.
Many of the greatest entrepreneurs of our time, including Walt Disney, Ray Kroc, and J.C. Penney, have also turned to the “770” account to safeguard and grow their wealth.
During the Great Depression, for example, J.C. Penney’s chain of fledgling stores almost went under. 9,000 banks did go bankrupt during this period, but luckily, Penney didn’t keep his money in the bank. He used a “770” account which, by 1929, had grown to over $3,000,000 in value. Because of this move, James Cash Penney was able to save his company, which is now valued at $3.4 billion.
I sat down with Tom—the “ex-banker” who first revealed this story to me—and asked him what you may be wondering at home:
“How do these accounts work?”
(Because of the inevitable scrutiny Tom would receive as the result of this piece, he asked that we conceal his identity as much as possible.)
BOB: Tom, tell us how these accounts work.
TOM: In a way, the 770 accounts can work just like regular savings accounts—you put money in your account and then withdraw it anytime you like. Your money can also be guaranteed in some instances.
However, unlike regular bank accounts, not only does the money inside a 770 account grow tax-free, but it can also grow much faster.
BOB: How is that possible?
TOM: You see, BY LAW, the companies that administer these accounts have to pay out 100% of their dividends to you and other 770 account holders. This is huge. Because of this, one company that started in 1857 (four years before the Civil War) has now paid out over $64 BILLION in dividends to 770 account holders!
BOB: Wow.
TOM: In fact, we studied eight different companies that provide these accounts and, on average, these companies have paid dividends for 121 consecutive years.
BOB: You mention dividends. So does this have anything to do with banking stocks or dividend stocks?
TOM: No, this is a special type of dividend… the companies that administer the “770” accounts are actually not even listed on the stock market at all. So this has nothing to do with banking stocks or dividends stocks.
That’s one of the reasons the “770” is actually safer than banks.
BOB: How so?
TOM: Well, just look at the FDIC records. That’s the federal institute that insures bank deposits. Since 2000, there have been 499 bank failures in America.
BOB: Wow, that’s crazy!
TOM: I know.
BOB: So how does that compare to the “770”?
TOM: Consider the recent financial crisis. During 2008 and 2009, most equities lost 40-50% of their value.
BOB: You don’t have to remind me!
TOM: I know! My dad actually had to come out of retirement because of the crash.
BOB: That’s too bad.
TOM: Yeah, but we’ve got his retirement back on track now, so it’s all okay.
BOB: That’s good.
TOM: Yes. But anyway, coming back to the “770s”… In 2008, the market was cut in half but only 2% of the assets the “770” companies held were affected.
BOB: Really?
TOM: Yes. And in fact, people with this underground account actually saw their money grow around 5%.
BOB: So you mean to tell me if I had held my money in a “770” account back in ‘08-’09—the worst economic crash since the Great Depression—not only would I likely NOT have lost money… I could have actually GROWN my money by 5% per year?
TOM: Exactly. Over time the 770 averages a 5% return per year.
BOB: Tom, where were you five years ago?!
TOM: Well, that’s why I’m here today Bob! Because this is stuff everyone needs to know about. The fact this account has been kept so secret has been keeping U.S. retirees poor. But when the next crash comes around, at least people won’t be able to say they weren’t warned.
It’s odd, really. When you look at it, the average investor is basically the only one left who hasn’t been taking advantage of this account.
BOB: How so?
TOM: Well, corporate America is also a big fan of the account…
BOB: Really?
TOM: Take Wal-Mart, for example. They have a 770. So does GE, Comcast, Disney, Johnson & Johnson, Harley-Davidson, Gannett, Verizon, and nearly 700 other Fortune 1,000 companies
BOB: Huh.
TOM: In fact, Wal-Mart believes so much in this idea that at one time they had more than 300,000 separate “corporate versions” of these accounts!
BOB: That’s incredible. And that’s legal?
TOM: 100%. I have multiple accounts myself.
BOB: Okay. But why do these big companies keep all this money inside 770 accounts?
TOM: Good question.
Here’s the thing.
These companies have some of the largest executive payrolls around. They have gigantic retirement packages to fund (Comcast’s CEO Brian Roberts, for example, is owed a $223 million pension over the course of his retirement). But to meet these future obligations, these companies haven’t found a better way to grow their money (and make sure it’s there when they need it) than by investing in 770 accounts.
BOB: But I’m not a Fortune 500 executive….
TOM: It doesn’t matter! The great thing about this account is you don’t have to be a Fortune 500 executive or banker to take advantage of it.
BOB: You mean I can use this account even though I’m now retired and in my 60s?
TOM: Yes… It doesn’t matter if you’re rich, poor, old, young, married, or single—practically every person in America can take advantage of a 770 tax-free account.
How to Retire 100% Tax-Free
Okay, so we just heard Tom describe how the “770” account works.
If you’re like me, the question you’re probably asking yourself now is how do I get started?
Since the government restricts the advertising of these programs, even though they’re 100% legal, you have to know where to look.
And your banker and broker certainly won’t tell you about them, either, as we’ve seen.
That’s why Tom has offered to prepare a special report outlining the steps needed to open your own “770” account, including whom to contact and what to say.
This special report Tom prepared is called “The Secret Investment Account: How to Fund Your Own Worry-Free, 100% Tax-Free Retirement.
This report is not for sale anywhere or for any price. It is available to you free only through this presentation.
Why is Tom offering this?
Well, for one, Tom has now become an ardent advocate for the “770” account. While he does not sell these accounts or make any commissions at all by recommending these accounts, he’s now made it his life’s mission to help everyday investors “get back” at the bankers and brokers who keep most people poor. And this is the best way to do it.
In fact, after Tom left the banking industry in 2006, he joined forces with one of the world’s largest financial publishing companies.
Since then, he’s helped thousands of investors navigate the markets and make big gains.
•   In 2006, for example, I recommended McDonald’s when no other analyst would touch the stock with a 10-foot pole. (This was after the Super Size Me documentary and other bad press beset the fast-food giant.) But my research saw things differently.

As a result, people who followed my recommendation back then have now turned every $10,000 they invested into $24,390.

•   And in 2008, as the markets crumbled, I suggested my readers load up on Altria and Enterprise, two companies I’d uncovered that were primed for big growth. Readers who followed my recommendations back then are now sitting on gains of 157.2% and 217.9%, respectively, for these two picks.
Today, Tom shares his investment research and findings through an investment research service called The Palm Beach Letter, which is read by more than 35,000 people in 104 countries around the world.
I went to Tom’s office to explore the company for myself.
As of this presentation, I verified that 28 of 28 recommendations in The Palm Beach Letter’s model portfolio are showing positive returns, many of them in the double-digit range.
As a result, he and his team have garnered quite a following. He showed me some of the more than 1,200 letters and emails he’s received from readers.
It was astounding.
Here are some of the messages I read.
One subscriber, Kelly Briscoll, wrote in to say she’d almost lost hope with financial advisors after losing a lot of money over the years. “You are the only person I have read that makes sense to me,” her letter reads…

“We have lost so very, very much with all these financial advisors that have made their money and lost ours through the years that I had just about given up on finding anything or anyone that could truly help me preserve our earnings and grow them.


“You are the only person that I have read that makes sense to me. I have never read a letter like this before, but I wanted you to know how much I appreciate you.”

Another subscriber, Linda M., wrote in to say her portfolio was up 78% in less than nine months…
And here’s a comment I found on an independent third-party website from an investor named Richard. “This is the best overall letter I have ever subscribed to,” he writes, adding he wished he would have purchased all the recommendations in Tom’s Palm Beach Letter’s portfolio when he first saw them. “I would be well ahead.”
But Tom told me even though he’s managed to help thousands of everyday investors make big gains in an otherwise listless market, he insists the 770 account is by far the most important thing you should be doing with your money right now.
More important than real estate, precious metals, stocks, and every other investment you can think of.
That’s because these are the only investments that offer safe, tax-free returns… and that are pretty respectable to boot. (Again, the average is around 5%, which is the equivalent of a mutual fund that returns 9.2%, when you consider fees and taxes.)
And that’s why he feels so strongly you review the information about the “770” accounts absolutely free.
In fact, he believes so much in the idea he’s now made this his single-largest investment, putting away more than 20% of his family’s net worth into secret “770” accounts.
He’s even opened up accounts for two of his three young children, a decision that will set them up financially for life. His oldest son will have about $4 million in his account by the time he retires.
So What’s the Catch?
Now, I bet you’re wondering… Is there anything “bad” you should know about these accounts?
Of course no investment is perfect. So I sat down with Tim Mittelstaedt, who we featured earlier in this presentation, to talk about this account.
Tim now has five separate “770” accounts of his own and has since joined Tom and his team at The Palm Beach Letter after seeing the quality of their ideas.
He’s been with The Palm Beach Letter for the last year-and-a-half and is now editor-in-chief.
BOB: Tim, tell me. I’ve learned a lot about the “770” account since I started my research on the subject. But I’m sure a lot of people are thinking: “What’s the catch? This sounds too good to be true.”
This account pays around 5%... 4-5 times more than long-term income investments like CDs—and up to 30-40 times more than regular savings accounts… Also, your money’s not locked up… it’s tax-free… and even though you don’t have to report it to the IRS… it’s 100% legal.
TIM: Yeah, I know. It sounds unbelievable. I felt the same way when I discovered it.
BOB: So, Tim, what’s the catch?!
TIM: There’s a reason this account works, and it’s because it doesn’t promise you “unreal” get-rich-quick results. For instance, you’re not going to double your money in six months with the 770.
BOB: The lottery mentality.
TIM: Exactly. There’s a lot of that going on today. I think it’s mostly because most people can’t find any decent yield on their money.
BOB: But still, a tax-free 5% return in today’s climate is a godsend for most soon-to-be retirees or retirees like me!
TIM: Exactly. 5%, but remember that’s tax-free and after fees and expenses…
BOB: Right. Is there anything else people should know about?
TIM: Along the same lines, this investment works best over time. It gets better and better over time. Of course, you can always withdraw your money, but this works best for people who want to let the money grow and not worry about it.
BOB: Now, what about the stock market… Should I put 100% of my money in the “770” account and forget about stocks altogether?
TIM: No, not necessarily. In fact, most people prefer to start small in the beginning just to prove to themselves this 770 account works exactly like we say it will.
BOB: Is that what you did?
TIM: Yup. Tom too. We both started small and then added more money and even new accounts. In fact, I think Tom has already invested something like $100,000-200,000 in this idea. And this will grow to over $10 million over the years.
BOB: Amazing.
TIM: Yeah. That’s why I was completely floored when I saw this account. But still, like any investment, you probably shouldn’t put 100% of your money in here.
BOB: So bottom line, people can still dabble in stocks…
TIM: Yes. And in fact, we recommend many of them in The Palm Beach Letter. I’ve got some myself. But you should at least set up your “safe” money in a secret 770 account today.
Then play around with the rest.
(Right now, I personally set aside 10% of my income to go into my 770 accounts. Next year, I’ll be adding much more. But I’ll also put money in some stocks and other investments too.)
BOB: Gotcha. Okay, so I understand Tom is on a business call right now. Can you tell me a bit more about the report you and Tom put together?
TIM: Sure, no problem. Well, first off, the report’s name is “The Secret Investment Account: How to Fund Your Own Worry-Free, 100% Tax-Free Retirement.”
What you’ll find is the report is short, simple, and easy to understand. It shows how anyone can get started easily—including who to contact and what to say.
BOB: Do you cover how much it costs to get started? I’ve seen my share of investments over the years, and oftentimes, you need to put down several thousand dollars to get started…
TIM: No, this investment was really designed for the average investor. You can get started for as little as about $300… or even less, in many cases.
BOB: Okay, now one last thing on this account. How “involved” do I have to be with this account? Is it like the stock market, where I need to check every day to see what’s going on... if there’s been a big “sell off”…
TIM: No! Actually, I have a “funny” story about that. Before I discovered this account, my wife’s parents had asked me if I’d invest their nest egg for them. They knew I was involved in the markets, and they wanted nothing to do with it. So they basically handed me $300,000 and said, “Here you are, Tim. Grow this money, but don’t lose it!”
BOB: Talk about responsibility!
TIM: Tell me about it! This was back in 2008, and my wife and I had been married just about a year.
BOB: Yikes…
TIM: Exactly… Well, I don’t need to tell you how the story finished. The markets crashed… I wasn’t sleeping at night… and it was driving me crazy… Now, luckily, I had invested in some alternative investments, some of which had gone up, like, 10 times, so they didn’t get hammered too bad. But still, I knew there had to be a better way. Something that didn’t require me to constantly worry or feel like I had to be checking the markets.
That’s when I started searching for an alternative and finally found out about what Tom calls the “770” account. With this account, the money just grows and you don’t have to worry about it.
BOB: That’s incredible.
TIM: Yeah. People love it. We get subscribers telling us all the time they’re able to enjoy life now… take vacations, play golf, go out to eat, and do so without having to spend every waking moment worrying about how their “investments” are doing.
That’s why we felt everyone should have access to this information absolutely free of charge.
BOB: That’s great. Thanks, Tim.
TIM: No problem.
The report, “The Secret Investment Account: How to Fund Your Own Worry-Free, 100% Tax-Free Retirement,” will be made available to the viewers of this program absolutely free.
All Tom and his team are asking in return is people give their investment research service, The Palm Beach Letter, an honest look.
To learn more about their service, I kept talking with Tim for several more minutes. He explained to me that The Palm Beach Letter’s specialty is recommending investments that provide safe, reliable income.
A big part of the service has to do with dividends, which, as Tim says, “is the only way to make 100% sure you get paid.”
While dividend-paying stocks have become very popular lately, thanks to the lack of yield around in the markets, Tim told me a big problem today is that most people are turning to the wrong ones.
I asked him to explain.
He said when they think of dividend-paying stocks, most people think of the Coca-Colas and Johnson & Johnsons of the world… Now, while these are great and do have their place in a well-balanced portfolio… Tim says if you want to maximize your chances of compounding wealth AS QUICKLY AS POSSIBLE through dividends, you have to focus on the blue-chip stocks of tomorrow.
And your best bet of doing that is through a special class of dividend-paying stocks his team has pinpointed called the relentless dividend raisers.
But these stocks are few and far between.
Tim mentioned that a while back they’d screened every single stock trading in America… about 15,000 total… and only 17 made the cut! There were only 17 relentless dividend raisers…
I asked Tim what made these companies unique.
He went on to tell me the dividends these companies pay are bigger and grow faster.
But unfortunately, most people had never heard of these companies before. They’re small and toil away in boring and decidedly “unsexy” industries.
One example he showed me was a company they recommended back in 2011, a small French perfume manufacturer trading on the Nasdaq called Inter Parfums.
They had chosen the company for a variety of reasons: It had high profit margins and heavy insider ownership, but most of all, it had six straight years of dividend increases averaging 50% per year. Today, subscribers who took their advice are already up 57% on this pick, while collecting healthy dividends to boot.
But he mentioned there were five other “relentless dividend raisers” investors should be taking a serious look at right now, even more so than Inter Parfums.
When I asked him if he could share these with the viewers of this program, he gladly obliged.
The details of these five relentless dividend raisers have been put together in a special report called “The 552% Income Boost—The Dividend Diluvia.” This report—yours completely free of charge—gives detailed research on why each of these stocks are primed for spectacular dividend growth over the coming years.
After a while, Tom joined us, and we discussed several aspects of The Palm Beach Letter’s research business, including what their primary investing philosophy was.
Two things struck me from the conversation.
First, it quickly became clear to me that their prime focus is SAFETY.
And second, because of this safety aspect, Tom told me people looking for “Powerball-like” gains ought to stay away from this service. That’s definitely not what they’re about.
As he said, they prefer making “steady, consistent gains on each investment.” The key is not losing money.
For example, one strategy Tom discussed with me involved something he’d uncovered while working at the banks… a way investors could make modest gains… time after time.
With this method, Tom showed me how I—and most everyone—can extract money from what he calls the “secondary” stock market 94% of the time. No, you won’t make triple-digit returns, Tom stresses, but the key here is consistency.
When I casually remarked to him this sounded too “technical” for me, Tom said he’d taught his dad this same strategy. Since then, he’d been able to put his retirement back on track. Some weeks he takes home $694, some weeks a little less.
One of his subscribers, Brian M., even wrote in to say he’d made $83,000 in seven months by using this strategy.
I pushed him some more.
That’s when he revealed they’ve now made money on 47 out of 50 of the “full trade cycle” trades they’ve recommended.
In fact, in one stretch alone he showed me a chart of how they made 33 consecutive winning trades!
When Tom saw how intrigued I was by the whole idea, he agreed to offer viewers of this program a free report on this strategy. It’s called “The Banker’s Code: How to Make Money 94% of the Time on the ‘Secondary Stock Market.’”
There’s also one other special thing Tom decided to do for the viewers of this program today.
Take One Full Year to Decide
Because Tom realizes he can’t be 100% sure his research service, The Palm Beach Letter, is a perfect fit for you, here’s what he suggested…
He’d like you to take the next full year to decide if The Palm Beach Letter is right for you.
That means you can take advantage of a full year’s guidance absolutely risk-free and take the time to determine if you like what you see.
You’ll get to view 12 full issues of the letter, with a new issue arriving straight to your inbox on the first Thursday of every month. You’ll also get immediate access to their full archive of past issues, as well as their full suite of research reports which includes, of course, the three research reports we’ve discussed in this video…
1.   “The Secret Investment Account: How to Fund Your Own Worry-Free, 100% Tax-Free Retirement
2.   “The 552% Income Boost—The Dividend Diluvia”
3.   And “The Banker’s Code: How to Make Money 95% of the Time on the ‘Secondary Stock Market.”
You can take a full year to review everything at your own leisure.
Re-read the issues and reports. Send Tom your questions. And even put some of these ideas into practice…
Then, if you don’t like any single thing you read within the next year, just say the word and Tom and his team will gladly refund 100% of your purchase price, no questions asked.
And as for the price of this service, I was really surprised by what Tom told me.
While you might expect a research service like this to run several hundreds (if not thousands) of dollars per year—especially when you consider Tom pays his research staff over $500,000 a year for their expertise—the normal price for The Palm Beach Letter is only a paltry $99.
That’s per year, not per month.
I asked Tom why this price was so low. He said that because his research costs are divided among thousands of subscribers across the globe, the savings are passed along to the subscribers.
So for $99, Palm Beach Letter subscribers receive 12 monthly issues of the letter and weekly portfolio updates, as well as the three research reports we’ve covered in this video.
Now, given the fact that Tom and his team have received more than 1,200 testimonials from happy subscribers… they consider this to be more than a fair price.
And I couldn’t disagree with him on that point.
However, given the importance of the 770 account… Tom has decided to do something even more special for the viewers of our program today.
For people who take advantage of this offer today, Tom and his team will knock $60 off your subscription price. That means you’ll pay only $39 for a full year of their investment research.
But that’s not all.
Tom told me they’re also going to include in your subscription a second complete newsletter… absolutely free!
The Missing Key:
Why You’ll Never Get Rich by Investing Alone
When I was first approached to start this newsletter two-and-a-half years ago, I knew I wanted it to be very different…
You see, while I knew I could teach people how to safely make money by investing, I knew many people needed to GROW their wealth before turning to the stock market.
(Because let’s face it. If you start out with $10,000, even if you double your money you’re still only looking at $20,000 total.)
In other words, investing works best if you have a decent amount of wealth to start off with!
That’s where Mark Ford comes in.
Mark is the partner I started The Palm Beach Letter with, and he knows more about building wealth than anyone else I’m familiar with.
In fact, Mark has published several #1 best-selling books on wealth building under a pen name. But unlike many other best-selling “money guru” authors out there… Mark actually made his money by building successful businesses… not by writing books!
All told, Mark has been involved in well over 30 different businesses, several of which have reached the seven-figure mark, and he now holds a $60 million net worth, thanks to these ventures.
So Mark knows how to make money.
And even better, he’s agreed to share his secrets with you too in a complimentary newsletter you’ll receive with your Palm Beach Letter subscription, called Mark Ford’s Creating Wealth.
This bonus letter covers Mark’s best wealth-boosting techniques, including the fastest way to get a raise at work, how to go out on your own to make a fortune, as well as the “$10 trick” that changes the way you look at wealth.
So in other words, you’ll get two highly valuable newsletters each month for the price of one.
On one side, Mark will show you how to build your wealth daily by using techniques anyone can start using today… and on the other side, I’ll show you how to make the best returns on your wealth by safely investing.
It’s the 1-2 combination that makes this financial advisory unique in the industry. I guarantee you won’t find information like this anywhere else.
Okay, I know we’ve covered a lot of ground here today, so let’s recap everything you’ll receive with your risk-free trial:
1.   You’ll receive 12 monthly issues of The Palm Beach Letter, delivered on the first Thursday of every month
2.   You’ll also receive A SECOND complimentary newsletter, Mark Ford’s Creating Wealth, delivered to you every few weeks
3.   You’ll also get weekly updates and special announcements
4.   Your special report on “The 770 Account,” which you should read immediately after you finish watching this video
5.   Your special report on the best dividend stocks to own today, “The 552% Income Boost—The Dividend Diluvia
6.   You’ll also get your special report on how to use “The Banker’s Code” to make money 95% of the time in the markets
7.  As well as the special report that shows you how to profit from “America’s Coming Oil Boom.”
All this is yours for only $39.
And of course, Tom reminded me you’ll be covered by The Palm Beach Letter’s full 365-day guarantee, which means that if you aren’t satisfied with anything you receive, you can ask for a full refund, no questions asked, anytime within the next year.
I think that’s a pretty fair deal.
Okay, so here’s how you can get started.
There is a special link that should be appearing underneath the video screen you are watching right now.
When you click on this link, you’ll be taken to a page that again recaps everything you’ll receive with your risk-free subscription of Tom’s research service.
Then, at the bottom of the page, you’ll see an option to pay for your subscription by using any standard credit card.
After you order you’ll receive, within 2 to 3 minutes, all of your free reports by email. You’ll also get directions on how to access our full archive of past Palm Beach Letter issues and Mark’s wealth essays. That way, you can start growing your money and investing it wisely as early as today.
However, first things first… Tom recommends you read the tax-free 770 report immediately!
Remember, this is the guaranteed retirement account several presidents, Fortune 500 companies, and even bankers have used for over 150 years to safeguard and grow their money.
As you’ve seen, bankers prefer putting money here than in their own banks!
One of Tom’s friends, Mike, is even using his 770 account to fund what will turn out to be a $100,000-per-month tax-free retirement.
That’s why you should consider starting your own account as soon as possible. I know I’m certainly going to look into it after doing this research.
Tom and his team have laid out all the groundwork for you to start in the 770 report you’ll receive free with your subscription.
Click on the link below to get started.
(You can review what your subscription includes before you place your order.)
Best regards,
Bob Irish
Financial Investigator
Palm Beach, Florida
August 2013
What People Are Saying About The Palm Beach Letter…

The Palm Beach Letter is unlike any financial newsletter I’ve ever read, and I’ve invested in quite a few over the past 20+ years. The recommendations from Mark Ford and Tom Dyson feels like something you would overhear in a country club locker room, not the same old rehashed advice you get from other letters. It’s like I am being let in on the REAL money-making secrets of the wealthy and powerful!”


— Comment listed on popular third-party financial website

And About the Tax-Free 770 Account…

“I’ve been using this strategy since ‘08, when I all but gave up on investing in stocks…


It’s the easiest investing I have ever done and I don’t have to worry about keeping up with anything anymore. I can now fully concentrate on my business. In that short time I have acquired 4 different [770 accounts] and have used the money to buy a delivery truck and other equipment for my business… it’s GREAT! The only thing I can say is that I wish I had known about it 25 years ago, I’d probably already be retired.


Anyway, thanks for the work y’all do. I love the out of the box stuff!”


—Paul Mabile


“I love this concept. I stumbled on it almost three years ago and have been building my account ever since. [This] helped me get a new roof on my house this summer.”


– Karen W.

To learn more about the tax-free 770 account and how you can start your own account today, click on the special link below.
(You can review what your subscription includes before you place your order.)