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In 1980 Charles became a Financial Planner at a small firm in San Jose, California. As an MBA specializing in Finance, and having just left a position where he was meeting with every type of financial services firm in the San Francisco Bay Area, Charles recognized that most Americans were not getting the financial help they needed. He decided to do something about it, and has devoted his career to making top-notch financial products, services, and advice available to those Americans who need it most - the American middle class.

Very few Americans have the time or ability to manage their personal finances. We are busy with careers and family, both of which seem to take more time than ever. Charles has created a simple program that gives his clients a unique, highly personal touch, while at the same time providing money management with one of the best track records in the industry. All this is done at minimal cost to the client, for every dollar is precious.

Now, after 28 years of serving almost a thousand clients all across the United States, Charles offers you the opportunity to participate in something unique, something designed to enable all Americans to do better financially. This website and the Wealth Creation and Preservation newsletter offer much more than stock tips. Here you will find solid, unbiased, well-researched information to help you quickly understand what is happening and how you should act today to protect yourself and increase your net worth.

How does Charles do it? Please take a look at the Special Report The Wealth Creation Way - Click Here. We hope you will become a subscriber for life.

About Wealth Creation and Preservation, the quarterly newsletter:

Wealth Creation and Preservation (WCandP) is a unique publication. It is designed it to meet the needs of most Americans ... people like you.

Most Americans are struggling to pay their bills and find it more and more difficult to save for the future. They want to feel like they are in control of their money, but they are seldom comfortable with their financial knowledge and their ability to make the right decisions.

Many of them have worked with a financial professional at one time or another, and feel they have not benefitted from doing so. In fact, many Americans have lost money at the hands of Wall Street or insurance professionals, and they wonder why. We help you address all of those concerns - and more.

Each quarterly issue of Wealth Creation and Preservation gives you insight into the things that are happening around the world that affect you. We identify the major trends and discuss how your life will change because of them.

Each issue gives you timely investment recommendations according to Charles' unique approach to savings and investment. Our goal is to help you keep ahead of inflation, taxes and the declining dollar. Most savings and investment programs will not do that. We show you what is working now and what we think will do so in the future.

Each issue also discusses Charles' specific strategies and analysis. We believe what most investments brokers will sell you are inappropriate for you and/or will lose money for you. We believe there is a right time to buy the right investment. This is why Charles' clients have done so well over the past fifteen years even though they take relatively little risk.

Finally, Wealth Creation and Preservation frequently carries articles about the hottest financial products and services and why each may or may not be useful to you. For example, if you own a Universal Life policy - and millions of Americans do - you need to hear what Charles has to say about them. You could be jeopardizing your retirement just by owning one.

To receive this information on a timely basis you need to be a Wealth Creation and Preservation subscriber. The value of a subscription far outweighs its cost (which is tax-deductible).

Wealth Creation and Preservation is a source of news, commentary, ideas and recommendations unlike those you will find anywhere else. Wealth Creation and Preservation is independent: We have no allegiance to any company on Wall Street, nor to any bank or insurance company. Our job is to get you the facts you need when you need them.

Since Wealth Creation and Preservation is a quarterly publication you should check our website every day for the latest information and commentary and particularly for changes to our investment recommendations. Markets change rapidly, and it is important to stay "ahead of the curve."

Sometimes new products appear that are only available for a few days and if you are going to lock in a rate you must act quickly. For example, annuity contracts offering an attractive interest rate come and go quickly and we have access to hundreds of them. We offer many insurance products through Charles W. Kraut, MBA, and provide investment management services as a Registered Investment Adviser. When we find a product our clients and subscribers ought to know about we let you know immediately. If we do not offer that particular product or service we will tell you where you can obtain it. Please join us and start improving your financial situation today!

All our Archived Issues are available to all site visitors, viewable online or, by right-clicking to "Save Target As," they are downloadable in PDF format - Click Here.

Our most current issue and the prior quarter's issue are only viewable by Subscribers. If you wish to become a Subscriber, you may do so by Clicking Here.

Important Note:

Charles W. Kraut, MBA is a private individual licensed for the sale of insurance products and, in certain states, as a Registered Investment Adviser (RIA).

Wealth Creation and Preservation is published as a means of disseminating information compiled from numerous sources in such a way as to reflect the conclusions drawn by Charles Kraut in his analytical work. Those wishing to copy this publication or otherwise disseminate it to others are asked to contact Charles Kraut first for permission. Information taken from copyrighted sources should not be copied or disseminated in any manner.

None of the information or opinions printed in Wealth Creation should be construed as an investment recommendation either for the sale or purchase of any security, savings account, insurance product. or hard asset. Recommendations are made only in consultation with Charles Kraut. The opinions expressed in Wealth Creation are solely those of Charles Kraut.

Insurance and investment products are not insured by the FDIC or any other government agency. You may receive more or less than you paid when you redeem your investment or insurance contract. Always consult the investment prospectus before investing. Past performance is no guarantee of future results. Charles W. Kraut makes no guarantees whatsoever regarding the performance, return, or dividends of any savings, insurance or investment program. Guarantees which are made, if any, are offered by the product provider and are stated as such in the product literature.