Ron Weber wants you to be rich.

His book, “Ron’s Investment Philosophy For Wealth: Master Time & Money to Join the Top 2%” (64 pages; Blue Mountain Financial Group; paperback, 2025), alone won’t do that for you, but it shows a path for people to create a financially-comfortable future.

Weber, who is the founder of Blue Mountain Financial Group and National Sales Director for Primerica, Inc., believes that the standard portfolio of 60 percent stocks and 40 percent bonds is outdated.

At his office in Allentown, Weber says, “That message is wrong. We go against the grain. We have a message that is unique and different.”

Every investor is different, and each one will want a financial plan specifically designed for them by a professional.

Weber, who has been a financial advisor for 39 years, sees his book as an educational tool to understand investments.

“The average retirement account for someone 55 to 64 years old is about $84,000.” Most advisors suggest having 10 to 12 times your annual income for retirement.

“Many Americans fear retirement more than death,” he says. Although returns are much greater if you begin earlier in life, Weber says it is never too late to build up funds that can generate income.

His recommendation for increasing returns goes from cash (just holding on to the money), investment in bank CDs, bonds, stocks and having a portfolio. He feels that only equities (stocks) provide enough for people to overcome inflation and provide for this decade’s longer life spans.

“The perfect balance is two thirds growth stocks and one third value stocks,” the latter being dividend-paying companies. The book goes into further detail.

Weber is optimistic about the market. “This decade is the best ever.” He points at two developments. “AI will totally change everything. And with DNA mapping, we have the potential to cure every disease.”

“The market generally takes five steps forward and one step back. It does not matter what political party is in office.”

He says that people should keep their money in the market, and not pull out from fear or because of trends. “Time in the market is important, not timing the market.

“People have a fear of recession, but the average recession only lasts 18 months. When they take money out of stocks and put it into bank notes, it is a huge gain - for banks. Every type of event in the market has already happened, cycling through growth, recession and inflation.”

Weber reviews his own financial history in the book, which includes failures like investing in a coin-operated amusement business and a KOA campground. He writes of the lessons he learned, like getting involved with the wrong company or product, or involvement at the wrong time, or at the wrong location.

One thing the book does not mention is cryptocurrency. “Crypto is like gambling,” Weber says, and asks, “How do you get your money out?

“People asked me for the book,” he says, including prominent investment experts. It sold 3,000 copies in the first two months of publication, he says.

“I wanted to get the message out. People work too hard for their money, and no one is dealing with Middle America.” Some advisors will only talk to people who have hundreds and thousands of dollars to invest.

The book is full of graphs. A QR code at the end provides access to updated graphs and information about Weber’s monthly seminars.

Information: www.ronsphilosophy.com