How to Make the Most of Your Retirement Money & Live Securely

If you're worried about outliving your income and confused about your investment options to make your money last, then this might be the most important information you'll ever read.

Watch Introduction

Find out how to generate the right amount of income when you can enjoy it the most, have it last a minimum of 30 years, and pay as little income tax as possible.

Here is a Summary of the 6 Proven Benefits You Receive

1. Retirement spending patterns made clear: You relax, knowing it's okay to follow your natural instincts to spend more money in your earlier retirement years when you can enjoy it most.

2. Retirement income planning made clear: You plan with confidence as you learn how much income your money can produce, and for how long.

3. Income generating products made clear: You gain control as you learn about the two primary income generating alternatives. In addition, you'll have the framework to evaluate the need and effectiveness of more complex, expensive products.

4. An income generating strategy combined with guaranteed insurance products and investments made clear: You discover the well kept secret that combining the safety and security of guaranteed products and investments, may be the best of both worlds.

5. Tax planning made clear: You enjoy the opportunity to keep more money in your pocket, and lower your taxes.

6. Implementation made clear: You experience the satisfaction of taking charge by taking action.

This book takes out the confusion, and you won't have to worry about dealing with retirement "experts" who may not have your best interests in mind.

In this book, you comfortably explore five key areas with me:

1. When you will spend your money: you'll know what to expect through your retirement years, based on studies that will give you the "big picture" in retirement that may be contrary to what you hear from many advisors.

2. Inflation: the assumptions and effects of this hidden enemy on your retirement income.

3. Design your own personal pension with a decades-old product. Uncover the basic facts and fallacies of this product and decide if it's right for you without the pressure of a salesperson.

4. Critical retirement investment strategies to accomodate your spending patterns; you need to know how to withdraw money while making it last as long as you do!

5. The tax man is still looking over your shoulder: make sure you're using smart tax strategies from a professional, to keep more in your pocket and less in his.

Don't take my word for it. Listen to what others say:

"Overall very concise and someone interested would read with understanding. You cleared up any confusion with examples... I like what you say in your book." ~ G.F. -- Dayton, OH

Warning: Do NOT buy any financial solutions unless they meet the following 5 criteria

There is a lot of confusion surrounding our field. I want to give you 5 criteria you absolutely, positively must have in any solution you obtain:

1. Is your advisor qualified? Look for the CPA, PFS or CFP® credentials

2. Does your advisor have broad industry experience, including the training and knowledge of many different products?

3. Is your advisor independent? Is all compensation fully disclosed to you?

4. Are the recommendations research-based? Are you shown different alternatives with the pros and cons disclosed?

5. Are the recommendations part of an overall plan or do they focus on only one aspect of your financial picture?

About the Author, Dwight Kellams, CPA, CFP®, MBA:

One: I've earned the CPA, PFS, and CFP® designations, three of the most challenging financial credentials. I've met stringent educational, examination, and experience requirements and adhere to high standards of ethical conduct.

Two: I have over 20 years financial services industry experience, having including working as a life insurance agent. I hold a unique perspective from these life experiences to develop a resource that addresses financial issues, tax planning, financial products and implementation, all in a time-tested real world approach.

Three: I'm independent, as I receive no income from the sale of investment or insurance products. Therefore, I have no bias towards a particular solution. My goal is to give you the best information and guidance to implement financial strategies that are right for you.

As an independent fee-only advisor, I would normally spend two to four hours explaining these concepts and analyzing your situation, and writing and presenting recommendations. At $180 per hour, this means the fee would be at least $360.

How can I do this? I'm simply passing the time commitment on to you and leveraging my professional expertise with hundreds through the internet.

In summary, here's what you get:

The 49-page course , packed with exercises to complete, great resources to check, and professional tips from me, shared as if you were sitting across from me.

Plus the ongoing interactive internet support through our members-only Academy, THE KEY to successfully helping you implement the steps to propel you to succcess, as you proceed at your own pace.

(You won't find that with the books you buy at the store, or the free information you can download.)

($50.00 Value)

To your $uccess,

Dwight Kellams, CPA, PFS, CFP®, MBA

Join our Academy today.