A friend of mine came to my car show recently in a "new" BMW M3. He had always talked about wanting an M3 so I was excited for him when he pulled in. The car was beautiful and had all the options he had always wanted. I asked him what he loved most about it, what it the horsepower, the carbon fiber, the technology? NO, he loved the price. He purchased the car at 54% less than it sold for new. Optimizing Retirement income and protecting your legacy does not happen with a product. You must have an integrated approach.