2pm ET / 1pm CT / 12pm MT / 11am PT (Outside US: Dial 00 + 1 + 714-464-4891) Viki Winterton interviews Kevin Bard! Kevin Bard is a respected financial consultant, an educator, author, and founder of Creative Asset Solutions, LLC. In his bestseller, The Retirement Umbrella: Protect Your Standard of Living and Enjoy Peace of Mind in Retirement, he explains that many people reach retirement only to encounter unexpected dangers, including increases in taxes, skyrocketing costs of living, and plummeting savings accounts. These nasty surprises are what he calls “retirement alligators.” Kevin’s innovative Retirement Umbrella strategy shields his clients from rising taxes and other “alligators” that eat away their income. By employing straightforward and practical strategies, he helps his clients preserve their wealth and increase their family legacy—all while maintaining their desired standard of living.