Steve Selengut brings over 40 years of experience as a private investment manager, specializing in enhancing the spendable income generated by client portfolios. Currently, he serves as an Income Coach, dedicated to teaching investors how to more than double the income from their investments. He is the creator and instructor of the innovative "Working Capital Model" portfolio operating system and the "Market Cycle Investment Management" (MCIM) methodology, both developed in the 1970s. Steve has also introduced several proprietary concepts, including QDI + PT, Smart Cash, The Investor's Creed, and Base Income, along with the Investment Grade Value Stock (IGVSI) identification system. As an author of three books and numerous investment articles, his latest publication is "Retirement Money Secrets: A Financial Insider's Guide to Income Independence." Steve specializes in hands-on portfolio management using the MCIM methodology, portfolio restructuring, and transforming ordinary portfolios into income-focused retirement portfolios. He equips investors with the education they need to achieve their income goals. By employing the MCIM approach in portfolio design, Steve has successfully navigated all major financial market movements for decades. Those who utilize the strategies outlined in "Retirement Money Secrets" can confidently say, “Market corrections, global pandemics, and rising interest rates won’t negatively impact my retirement income. Instead, these challenges will help me grow my income even more.”