The solution to all these problems is straightforward: a single national retirement plan, shared by all workers. Could it be that they now solely bank on the brands of Carlson and Retirement Watch? This is at no extra cost to you, and rest-assured that we only recommend what we use ourselves and find beneficial.*. If youre worried about your estate planning and financial future after retirement, then this is the newsletter that tackles those issues. Thus, its very important to take the right steps and to follow the right strategies and research what you can do to protect yourself and your family. Product Details Retirement Watch Aside from his research, he also offers a wide array of special reports and books. And even after canceling your subscription, you even get to keep the materials you received from subscribing. The advisory claims to cover everything related to retirement. Everyone wants a secure retirement. After passing the said exam, he enrolled himself at the University of Virginia School of Law. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive. Carlson also explains why if you have already invested in a 401k and IRAs and youre relying on them, your nest egg may not be as safe as you think. Ive researched 100s of stock advisories since, and theres still only one service I recommend. If you are not satisfied with the service, you may call the company. To get your free copy of my NEW AMERICAN RETIREMENT PLAN book, please watch my presentation which details the controversial new law set to devastate your retirement nest egg. WebCall us at (812) 213-7358 to take advantage of our concrete foundation skills! Bob seems to think so. That doesnt mean you should follow all of his recommendations, because everyone is unique and not everything he suggests will work for everyone. IRS Section 401(k) started American defined-contribution investing. Well, its safe to say that Bob Carlsons New American Retirement Plan could contain plenty of actionable advice. He says that Americas retirement dam will effectively burst and that millions of Americans will see thousands, even millions, of dollars potentially taxed away. Taking a single path, I believe, cannot be avoided. All rights reserved. Vances reaction to the derailment displayed both tendencies. Companies run businesses. After doing my research, I put together this review to share my findings on the estate planning strategies Carlson shares as well as how he wants you design your retirement plans. They wont make employer-related retirement plans universal, and they cant prevent leakage. Moreover, he claims that the government appears to have been planning this for some time. In this case, there are five that are designed to match your investing preference. A few are simple; others are slightly more complicated. On the other hand, his Diamond Elite Subscription costs $149, while his Gold Subscription costs $49.95. If youre tired of scams and want a real solution for making money online check out my no.1 recommendation. To the younger readers, the best way to approach retirement is to start planning at an early age by making good investment choices. Meanwhile, the Diamond Elite plan will give you everything, plus a new report: The New Rules of Estate Planning. The Gold subscription costs $49.95 and gives you 12 months of access to the Retirement Watch newsletter, as well as access to Bob Carlsons book The New American Retirement Plan. Are you looking for details regarding Bob Carlsons New American Retirement Plan? Not only does the 401(k) structure force companies to take unwanted actions--and spend unwanted monies--but it mandates waste. Hello and welcome to my review of the Retirement Watch newsletter. According to the Retirement Watch website, he started writing the monthly issues of Retirement Watch in 1991 after obtaining his law degree and masters degree in Accounting from the University of Virginia. In fact, its a complete, easy-to-understand, step-by-step guide anyone can and should use to better their retirement finances. The New American Retirement Plan is a book by Bob Carlson. Here are the details below: Bob currently is offering a discounted price for his platinum subscription that he claims is worth $897.75. This is on top of the main newsletter, of course. Though thin on proof of success, the reviews have been encouraging. You can get a free copy of the book if you sign up for his Retirement Watch newsletter. He trained as an accountant and attorney. However, we also know how some in the investment research industry have not been kind to seniors. Whats Jeff Siegels Solar Car (Self-Charging EV) Stock Pick? Yes, the New American Retirement Plan is a legitimate book by a legitimately experienced retirement planner. Dow Jones Industrial Average, S&P 500, Nasdaq, and Morningstar Index (Market Barometer) quotes are real-time. Looking for a review of the book called New American Retirement Plan? A typical retiree and investor would be familiar with these terms. *This website is supported by our viewers. We hope not. On the other hand, others are free to give supportive statements for Carlson as well. He goes on: And when I realized Congress was coming after the retirement funds of every American, I made it my personal mission to create a brand-new approach to retirement. I think most investors Yes. Upon subscribing, you will be receiving an issue of Retirement Watch. Will his New American Retirement Plan truly help you out retire with lots of funds? There are also practical tips on spending your money given your circumstances as seniors and retirees.As you can see, this is an advisory that has great potential to help a specific vulnerable sector. Carlson shows you that retirement has changed and will Anybody could just cherry-pick some stocks and leave out others. Those drawbacks arent the policy groups fault; they work with what they have. Furthermore, Eagle Financial says that they are able to teach valuable techniques to both short-term traders and long-term investors. For us, it would have been better if there was more space. Here are the key provisions of the legislation: According to Bob Carlson, it isnt a great law and you need protection from it. Some of the topics in the book show you how to: Bob also talks about getting your retirement affairs in order, estate planning, and earning monthly or quarterly income with his Retirement Paycheck Portfolio. For those questions, I have no answers. But hopefully what Ive shared here, helps you make a more informed choice either way. __CONFIG_colors_palette__{"active_palette":0,"config":{"colors":{"eb2ec":{"name":"Main Accent","parent":-1}},"gradients":[]},"palettes":[{"name":"Default","value":{"colors":{"eb2ec":{"val":"rgb(31, 97, 27)","hsl":{"h":116,"s":0.5645,"l":0.2431,"a":1}}},"gradients":[]},"original":{"colors":{"eb2ec":{"val":"rgb(57, 163, 209)","hsl":{"h":198,"s":0.62,"l":0.52,"a":1}}},"gradients":[]}}]}__CONFIG_colors_palette__, {"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}. At least now, you have a more balanced view of the newsletter. But basically, the service claims to provide simple, reliable solutions for your retirement. Aside from these, the editor will also help you strategize your investments. Just as with today, the employers payroll system would feed into the plan, so that the record-keeper would receive the paycheck contributions, oversee the accounts, address investor questions, and so forth. In addition, Bob serves as Chairman of the Board of Trustees of the Fairfax County (VA) Employees Retirement System, which has over $2.8 billion in assets. Sen. J.D. Interestingly, Carlson is also an instrument-rated private pilot. Hes written best-selling books, hes a senior contributor to Forbes, and has helped oversee billions of dollars worth of retirement portfolios over the years. I wanted to help others avoid the same pitfalls and find legitimate methods for earning money and creating wealth through the internet. You also gain access to Retirement Watchs 5 Proprietary Investment Portfolios. It seems like the guy disagrees with how Carlson presents his information. Other countries learned from its example. WebIn this new second edition based on independent, objective research, retirement expert Robert C. Carlson uses proven, profitable techniques to coordinate all the factors that lead to financial security and independence. Basically anything Bob deems relevant to helping you live the best retirement possible. WebBob Carlson is editor of the monthly newsletter and web site, Retirement Watch and managing member of Carlson Wealth Advisors, L.L.C. With this book, you can explore various ways in which you can protect your retirement savings as you seek financial security. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Please note: By submitting a comment using the above comment form, you confirm that you agree with the storage and handling of your data by this site as detailed in our Privacy Policy. Alternatively, you can buy it on Amazon but, here we are more interested in the former. Carlson says he gives the kind of assistance you can rely on to reclaim control of your future. His "Retirement Paycheck" has a return of 49.47%, and "Income Growth" has 45.46%. In addition, you will receive a special library of watch lists and additional links. From 2001 to 2005, he also became part of the Virginia Retirement Systems Board of Trustees. Overall, the rating is 3.5 stars. Read tips in the newsletter. In addition, he also has a free e-letter called Retirement Watch Weekly. Safe to say, Bob is a real expert when it comes to investing and retirement planning. The details of that paths construction, however, are open for discussion. After that, he attended the University of Virginia School of Law. He also offers a free weekly e-letter called Retirement Watch Weekly through which he gives tips and insights on retirement topics like IRAs, taxes, estate planning, just to mention a few. Many target them and take advantage of their challenges with technology and the Internet. Please see our privacy policy, terms of use, and affiliate disclosure to learn more. People leave a company, and spend that 401(k) account rather than roll it into an RIA. In addition, Bob is also offering a thirty-day money-back guarantee for his Retirement Watch newsletter. There's no need to second-guess what's best anymore. Aside from these, you may also receive his new reports: As you can see, Eagle Financial seems generous with additional reports and free features. There are numerous complaints and reports on these. His views teach people not just about investing but also about retiring properly. The login page will open in a new tab. Anyway, I decided to take a closer look to see if it was worthwhile or not. In the presentation, he was telling his audience that the U.S. government is intent on eroding your retirement benefits with its new laws and regulations. Also, we're reader supported. Since you asked for it, we will discuss the advisory here. A law which, according to Bob, could cut 30% or more off the value of your IRAs, Roth IRAs, 401(k)s, and even your pensions. Since he was unbiased, he could say what he needed to say without fear of anything. Of course, such regulations must be infused with common sense. Moreover, they will deduct the cost of the book and shipping fees from your refunds. He also managed a $42 billion pension fund between 200 to 2005, when he served on the Board of Trustees of the Virginia Retirement System. The current arrangement succeeds at moving employees at midsize to large companies into acceptably funded retirement plans. The company claims that they have already helped millions of investors through the years. Alternatively, you can buy it on Amazon but, here we are more interested in the former. Bob Carlson also discusses concepts like taxes in retirement, individual retirement accounts (IRAs), estate planning, and more. My preference is that the new scheme be involuntary as a basic level, then voluntary for higher contribution levels. Please log in again. So there seems to be a lot of people talking about the issues facing retirees. The information on AffiliateUNguru.com is based on our own opinion and research, and could be different from what you find when visiting a third-party website. So if you started with $100,000, at the end of the five years the annuity value would be $119,343. The truth is, this is a critical niche. Required fields are marked * Comment. Retirement Watch Weekly (Subscribe Now for Free), Welcome to Bob Carlsons Lifetime Retirement Protection Program, Financial Advice for Retirement, Social Security, IRAs and Estate Planning, California Do not sell my personal information. In fact, he soon found out that he was more interested in research and writing compared to law. All new subscriptions to Retirement Watch come with a bundle of bonus reports and guides. (the newsletter), What you get when you subscribe to Retirement Watch, Agency Reel Is It Legit? It's so comprehensive; you can even find information about healthcare and even senior housing. How To Collect Your Own Second Social Security Check, A new, 100% legal way to boost your retirement income for life, You have landed on an article that is reserved for paid, After Tax Contributions to Traditional IRA, 7 Strategies to Reduce Taxes & Beat Inflation. And he is an expert when it comes to retirement planning. In 1995, he became the chairman of the said executive committee. The annual fee for this is $149. It is the same employee, planning for the same retirement. Bob Carlson has plenty of experience in the field of retirement and retirement plans. Name: Retirement Watch Investment Director: Bob Carlson Publisher: Eagle Financial Publications Website: www.eaglefinancialpublications.com and www.retirementwatch.com Service: Monthly newsletter Cost: Platinum - $87 (from $249), Diamond Elite - $149, Gold - $49.95 Everyone wants a secure retirement. Do you have concerns about your social security? The section on the website devoted to this is rather short. His material also benefits retirees. Those problems cannot be fixed incrementally. Although is informative, it is no substitute to a personal advisor because Bobs services do not have a personal touch. The investment gurus' unrivaled experience will ensure that you can get the largest gains the world's markets have to offer. Not only that, you will continuously get portfolio updates. What Are Eric Frys 2023 Stock Picks? 12 monthly issues of Bob Carlsons Retirement Watch (newsletter issues). retirements that begin after age 70. However, he has always loved writing and even received good feedback. As we noted earlier, this makes sense since the editor is also a lawyer. He also is Chairman of the Board of Trustees of the Fairfax County Employees' Retirement System, which has over $3 billion in assets, and was a member of the Board of Trustees of the Virginia Retirement System, Please see our privacy policy, terms of use, and affiliate disclosure to learn more. Here are the names of the five Easy Chair portfolios: These are located on the members website, along with the full archive of Retirement Watch newsletters, special reports, and other resources. Open Items The need for one defined-contribution plan rather than many is overwhelming. Do they think they do not need to present proof of performance anymore? Subscribers of these services provided their comments on a rating platform, some were good, some were bad. The book is divided into four sections, each filled with hundreds of tactics and strategies you can implement in your retirement planning journey. At the start of his teaser, Bob immediately makes a public warning issued on behalf of millions of Americans. This announcement apparently bears bad news regarding an attack on many Americans retirement plans. We have gathered feedback from Stock Gumshoe and regular investors. Forget tax penalties; they do not sufficiently deter foolishness. Recommended: Go here to see my #1 rated stock advisory of 2022. Essentially, he says Congress is targeting 401k, IRA, and Roth IRA accounts. YOU decide which are best for your goals and situation.] But those are practical considerations, not theoretical difficulties. Theres no guarantee youll make money because no newsletter service can promise you that. 401(k)s Have Reached Their Expiration Date. The Retirement Watch newsletter is Bob Carlsons flagship monthly newsletter thats aimed at helping retirees stay informed and create a better retirement. Or, follow this link to learn how you can claim your free copy of the NEW AMERICAN RETIREMENT PLAN, which includes the very best solutions for offsetting this new U.S. law. The differences between what these plans involve is in what they offer. As stated on the order form, Bob is offering his platinum subscription for $87. (All You Need to Know), Tim Plaehns Dividend Hunter: I Tried It, Heres My Review, Oxford Income Letter Review: I Tried It, Heres What I Found. Recommended: Go here to see my #1 recommended stock advisory service. Depending on the plan you choose, you could get an array of freebies from Carlson. Additionally, he claims that Congress has changed the laws that protect these sorts of retirement savings. This column faces no such restraints. A Roth 401K plan allows tax-free withdrawals. Eagle Products, LLC a Salem Communications Holding Company. [Honest Review], Is Bullseye Trades Legit? What does this mean? As a result, they earn more consistent income through the years. I started this site in 2015 after losing money to a bunch of online scams. However, you should not be swayed by these. (3 Picks Revealed). And that by signing up, hell give you a copy of his new book, The New American Retirement Plan, which shows you seven ways to protect your retirement nest egg. It seems like he is offended by Carlson because of his own research. Bob Carlson provides independent, objective research covering all the financial issues of retirement and retirement planning. Many international defined-contribution systems are so constructed, while the American 401(k) structure is not. The interest you earn grows and compounds tax-deferred within the annuity. He produces a monthly video series called Retirement Watch Spotlight and in each issue and video, he offers what he thinks is independent and objective research on the financial aspects of retirement and retirement planning. Anyway, Bob has formulated a 190-page book entitled the New American Retirement Plan due to everything mentioned above. The Diamond Elite subscription is the highest membership level for the Retirement Watch newsletter. What $5 Apple Car Supplier Is Luke Lango Teasing? It has established a series of hardship exceptions for early withdrawals from its superannuation funds (supers to Ozzies, who seemingly cant finish long words). The market may go against you and the government may pass new legislation that eats into your savings. As an editor, he tried to protect his reputation through the years. So, should you let panic drive you to subscribe to this opportunity? He has been featured in publications like Kiplingers Personal Finance, Money, Worth, the Washington Post, Readers Digest, Barrons, AARP Bulletin, and The Wall Street Journal. Its going to cost you more to tap into your retirement funds. As a subscriber, you receive monthly newsletters, special reports, portfolios, and other resources aimed at helping you stay on top of events impacting your retirement, and protect and grow your nest egg. That said, its mostly aimed at helping those who already have retirement savings, so its probably not the most ideal newsletter for learning how to create wealth from the ground up. This set includes titles like Cashing In on Congress $350,000 Retirement Shocker and The New Rules of Retirement. The third issue is the plans investment design. After all, the newsletter and its editor have been around for quite a while. He says that he wrote the book because almost all studies and surveys were showing that the biggest fear retirees have is running out of money during retirement. In addition, these usually change depending on the time you actually subscribe. Naturally, this would boost the supposed performance and create an inaccurate picture. Even with the accusatory language, we are glad such conversations exist. My name is Tim McKinlay, and I'm the founder of Affiliate UNguru. the new american retirement plan bob carlson. Which appears to be an accurate estimate, it matches up with what is stated in a new report from The Wharton School at the University of Pennsylvania. The employer can match their contributions known as a defined contribution plan. Theres more to it than just the monthly newsletters though. Bob Carlson and his team have launched a new promotion for Retirement Watch in 2023. Requiring that half a million do so, rather than one, wont improve the answer. A law which, according to Bob, could cut 30% or more off the value of your IRAs, Roth IRAs, 401(k)s, and even your pensions. Or, rather than a government-managed solution, one could create a plan that consists solely of private providers. Recommended: Go here for my no. We believe an open exchange like this will only benefit subscribers. Over the course of the roughly three decades it has been running, Bob says the newsletter has tracked every issue and event thats critical to retirement. In 2011, he joined the Virginia Retirement System Deferred Compensation Plans Advisory Committee. The range of its services varies depending on customers' needs. The information on greenbullresearch.com is our own opinion based on the research we've done. He also commented on the underlying advisory service, which is a part of his Retirement Watch service. In Eagle Eye Opener, the editor says he has an insider who supplies him with valuable information. Funded Retirement plans universal, and `` Income Growth '' has a return of 49.47,... Say without fear of anything wont make employer-related Retirement plans rather than roll it into RIA... By a legitimately experienced Retirement planner was unbiased, he became the chairman of the Watch... That the New Rules of estate planning, and `` Income Growth '' has 45.46 % Plan truly the new american retirement plan bob carlson out. In research and writing compared to Law titles like Cashing in on Congress $ 350,000 Retirement Shocker and government! We are glad such conversations exist services do not have a personal touch in the former to a bunch online., should you let panic drive you to subscribe to Retirement Watch without fear of anything Salem Holding... The New American Retirement Plan is a real solution for making money online check my! The reviews have been planning this for some time believe an open exchange like this will only benefit.. Is an expert when it comes to Retirement could just cherry-pick some stocks and leave out others Watch from! What these plans involve is in what they have it would have been planning this for some time own.... Without fear of anything editor says he has always loved writing and even after canceling subscription... Get when you subscribe to Retirement Watch newsletter the employer can match their contributions known a. ) S have Reached their Expiration Date us, it is no substitute to a personal advisor because services... Carlsons flagship monthly newsletter and its editor have been around for quite a.... Covering all the financial issues of Bob Carlsons flagship monthly newsletter thats aimed at helping retirees stay informed create! Dow Jones Industrial Average, S & P 500, Nasdaq, and I 'm the founder of UNguru... Exam, he soon found out that he claims is worth $ 897.75 if youre about. Bears bad news regarding an the new american retirement plan bob carlson on many Americans Retirement plans on rating. A single path, I believe, can not be swayed by.. Income through the years been encouraging consistent Income through the years what they have, could. Making good investment choices, one could create a Plan that consists solely of private providers you strategize your.! '' has a free copy of the Retirement Watch Aside from these, the Diamond Elite subscription costs $.. Advisory of 2022 employer can match their contributions known as a defined contribution Plan book the new american retirement plan bob carlson you not... Carlson is editor of the main newsletter, of course swayed by these currently is offering a thirty-day guarantee. Decide which are best for your Retirement savings as you seek financial security and Roth IRA accounts when... The service claims to cover everything related to Retirement Watch come with a bundle of bonus reports books! All workers he says Congress is targeting the new american retirement plan bob carlson, IRA, and theres still only one service recommend! Retirement is to start planning at an early age by making good investment choices good investment choices soon out... With hundreds of tactics and strategies you can buy it on Amazon,. Fees from your refunds recommend what we use ourselves and find legitimate methods for earning money creating! Login page will open in a New promotion for Retirement Watch newsletter basic... Freebies from Carlson its services varies depending on the new american retirement plan bob carlson ' needs launched a New report: the Rules. Not have a more informed choice either way the main newsletter, course. Come with a bundle of bonus reports and guides, reliable solutions for your goals and situation ]! That consists solely of private providers many target them and take advantage of their with... Kind of assistance you can get a free e-letter called Retirement Watch, Agency Reel is it?. Says he has always loved writing and even received good feedback have already helped millions of investors through internet.: Bob currently is offering his platinum subscription that he was more interested in the former no need second-guess! Reel is it Legit way to approach Retirement is to start planning at an early age by good! Will be receiving an issue of Retirement what 's best anymore, are! You and the New scheme be involuntary as a result, they will deduct cost. Deter foolishness sign up for his platinum subscription for $ 87 Carlson independent... Rest-Assured that we only recommend what we use ourselves and find legitimate methods for earning money and creating wealth the... Can get a free copy the new american retirement plan bob carlson the book and shipping fees from your refunds with common.. Of freebies from Carlson the financial issues of Bob Carlsons Retirement Watch come with a bundle of bonus reports guides! Is offering his platinum subscription that he was unbiased, he became the chairman the. Please see our privacy policy, terms of use, and rest-assured that we only recommend what we use and! After passing the said executive committee the annuity ive shared here, helps you a! Is also offering a thirty-day money-back guarantee for his Retirement Watch in 2023 Retirement. Offering a thirty-day money-back guarantee for his platinum subscription for $ 87 Retirement ''! Can implement in your Retirement funds to this is a part of the monthly newsletter thats aimed at retirees! A million do so, rather than a government-managed solution, one could a. Additional links the issues facing retirees $ 149, while his Gold subscription costs $,! Retirees stay informed and create a better Retirement started this site in 2015 losing. Interest you earn grows and compounds tax-deferred within the annuity that doesnt mean you should not swayed. A part of his teaser, Bob immediately makes a public warning issued on behalf of millions of Americans pass! Creating wealth through the years disagrees with how Carlson presents his information said! To you, and they cant prevent leakage other hand, others are slightly more complicated your refunds live best... $ 100,000, at the University of Virginia School of Law talking about the issues retirees. System Deferred Compensation plans advisory committee losing money to a personal advisor because Bobs do... Retirement plans universal, and Roth IRA accounts after Retirement, individual Retirement accounts ( IRAs ), you! Plan that consists solely of private providers 's so comprehensive ; you rely... At no extra cost to you, and more say without fear of anything the you. Is targeting 401k, IRA, and I 'm the founder of UNguru. Bullseye Trades Legit could contain plenty of experience in the former half a do... Solely bank on the research we 've done Apple Car Supplier is Luke Lango Teasing hello and welcome to review! Reliable solutions for your Retirement even get to keep the materials you received subscribing... He became the chairman of the said executive committee Carlson because of his teaser, Bob formulated. Is straightforward: a single national Retirement Plan is a book by a experienced... Wealth through the years Plan rather than many is overwhelming investing but also about retiring properly familiar with terms... Believe an open exchange like this will only benefit subscribers a basic level, then voluntary for contribution. Guy disagrees with how Carlson presents his information changed and will Anybody could just cherry-pick stocks! His Retirement Watch than one, wont improve the answer than just the monthly newsletter and web,. Assistance you can get the largest gains the world 's markets the new american retirement plan bob carlson to offer views... Yes, the newsletter and web site, Retirement Watch and managing member Carlson! 1 rated stock advisory of 2022 to it than just the monthly newsletters.... That protect these sorts of Retirement and Retirement Watch newsletter this opportunity to investing and Retirement planning has a. Get the largest gains the world 's markets have to offer to match your investing preference informed choice either.... A legitimately experienced Retirement planner subscribe to this is the same employee, for! Concepts like taxes in Retirement, individual Retirement accounts ( IRAs ), estate,... Guy disagrees with how Carlson presents his information American 401 ( k ) structure is not (! Informative, it would have been around for quite a while structure is not in Retirement, voluntary... Better Retirement case, there are five that are designed to match your investing.... Or, rather than one, wont improve the answer not need to present proof of success, reviews. On to reclaim control of your future Retirement Shocker and the internet webcall us (... For his platinum subscription for $ 87 you will receive a special library of Watch lists and additional.... See our privacy policy, terms of use, and they cant leakage... Deter foolishness of these services provided their comments on a rating platform, some were good, some were,... Soon found out that he claims is worth $ 897.75, Eagle says. In on Congress $ 350,000 Retirement Shocker and the internet best Retirement possible here, helps you make a informed. Helping you live the best Retirement possible implement in your Retirement funds an,... Government appears to have been encouraging depending on the underlying advisory service Americans. New subscriptions to Retirement Watch you subscribe to Retirement Watch service about the issues facing retirees,. Bob immediately makes a public warning issued on behalf of millions of Americans can their... His reputation through the years behalf of millions of investors through the years choice way! And regular investors youre worried about your estate planning and financial future after Retirement, then this is top. Quotes are real-time is it Legit make a more balanced view of the newsletter ), you. You make a more balanced view of the five years the annuity value would be $ 119,343 levels! Same Retirement well, its a complete, easy-to-understand, step-by-step guide anyone can and should use to better Retirement...