
The biggest satisfying lie about your 401k
Workshop • Thursday, April 2nd • 1pm PST
Your 401k is doing exactly what is was designed to do.
It’s saving your money. Deferring your taxes. Growing your balance.
And it’s setting you up to hand a massive chunk of it to the IRS the moent you retire.
Every dollar you pull out gets taxed. Your income goes up. Your Medicare premiums go up. Your Social Security gets taxed. That million dollars your saved? It’s not really yours. It’s yours and the government’.
Most people don’t figure this out until they’re 60. By then, it’s too late to undo thirty years of tax-deferred contributions.
I’ve spent 25 years and over 4,000 clients learning exactly how to fix this. And I’m doing a free live training on Thursday, April 2nd at 1pm PST where I’ll show you the #1 alternative – step by step.
Click the button below to save you seat!
– TomReserve Your Seat!
Tom Ligare, CLU®, CAP®
25+ years • Top 1% nationally • Nonprofit executive specialist© 2026 Nonprofit Professional Services • Carpinteria, CAUnsubscribe
If you no longer wish to receive these emails you may unsubscribe
Published by RJ Hamster
I was born on 6 August 1956 in San Francisco, California to Janet and (the late) Richard Hovis.
I grew up in Santa Monica, California where I attended elementary, junior high school, and high school (graduating in 1974), in addition to involvement in sports and recreation (Little League +, the Boy’s Club ++). Further, it was in elementary school – St. Augustine’s By-the -Sea Parish School that I found, and made the choice to truly journey with God.
I attended Arizona State University from 1974 to 1977 – seeking to become an architect, however, I was not accepted, and, as such, I graduated with a Liberal Arts degree.
Upon graduation from Arizona State University, I attended Cal Poly San Luis Obispo and studied City and Regional Planning at the Master’s level. I successfully completed one (1) year in a two (2) year program – I did not complete the Master’s degree in City and Regional Planning – due to personal reasons.
I returned to Santa Monica where I started (October 1979) my career as graphic designer with Exxon Company, USA. I spent five years with Exxon Company, USA.
While working with Exxon Company, USA I was accepted into architectural school – Sci-Arc in Southern California, however, I did not attend preferring to stay with Exxon..
In 1982 I married Laura Flosi and in April 1983 we had our one and only child – Lauren Alain Hovis – a gift from God.
We moved to Phoenix, Arizona in 1984 from Los Angeles, where I went to work as a graphic designer with Kitchell CEM (from 1985 -1987).
From 1987 – 1995 I was an independent contractor, and a registered representative in mortgage finance, financial management, graphic design, and drafting.
Further, I attended the University of Phoenix and successfully obtained a Master’s in Business Administration (MBA) in 1982.
I was also a member of the Scottsdale Jaycees, where I became very involved in community events and projects.
In 1994, I accepted a cartography position with the Defense Mapping Agency in Reston, Virginia. As such, I relocated from Phoenix to Reston.
In 1998, I was accepted and worked as a Visual Information Officer with the Central Intelligence Agency. In 2002, I worked as a Support Officer until my retirement (due to a need for shoulder surgery) in September 2018.
Away from my Federal Government service, I have been involved in various organizations and activities in Northern Virginia.
In November of 2011, I married Rebecca Ouellette in Santa Monica, California. I reside in San Tan Valley, AZ with my two hamster - Jess and Timothy, our fish, our lizard - RJ Lizard., and our cats - Pearl and Grey.
As to hobbies, I enjoy playing sports, attending sporting events, mentoring individuals from financial management to hamsters, building models, photography, travel, multimedia design, managing partner for RJ Hamster, and jazz – smooth jazz to a samba or a bossa nova.
Love and God Bless,
Peter – aka RJ Hamster Jo hi
View all posts by RJ Hamster