The Horizons Conference by the American College of Financial Services gathers the world's best financial experts to share cutting-edge retirement strategies and revolutionary planning approaches with financial professionals.

• Lindsay Lewis explores retirement challenges facing women, including healthcare expenses and the importance of HSAs as triple tax-free accounts
• Jason Fichtner, former Deputy Commissioner of Social Security, explains why delaying benefits creates a 77% increase in monthly payments when waiting from age 62 to 70
• Don Graves introduces housing wealth as the often-overlooked "fourth bucket" of retirement planning with 52 different strategies for tapping home equity without mandatory payments
• Sophia Duffy discusses the Tax Planning Certified Professional program and why compassion distinguishes great financial advisors
• George Nichols III, American College president, shares why applied knowledge is more valuable than theoretical concepts in financial education

For a free financial consultation or to request a copy of Brad Pistole's best-selling book, "Bulletproof: The Safe and Secure Retirement Income Plan," call 866-780-7233. The American College is now offering a free retirement course for consumers - visit guaranteedsafemoney.com and click the retirement planning tab to register.

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To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com