Most retirees focus exclusively on their investment accounts—the 401(k)s, IRAs, and brokerage accounts they've accumulated over decades. But as Brad explains, these "piles of money" can be lost, stolen, depleted in market downturns, or divided in divorce. What truly matters is having guaranteed lifetime income that continues regardless of what happens in the world or your personal life.

Through powerful real-world examples, Brad illustrates how even affluent retirees can face financial devastation without proper planning. He shares the story of a couple who, after 50 years of marriage, divorced and lost their dream retirement property because they lacked sufficient guaranteed income sources. Their experience demonstrates why focusing solely on asset accumulation misses the crucial protection component of retirement planning.

The four essential questions Brad explores are deceptively simple yet profoundly important: Will I regret doing this financial action? Will I regret NOT doing it? How much guaranteed lifetime income do I have? Have I taken the key retirement risks off the table? Each question illuminates different aspects of comprehensive retirement preparation that most financial advisors never address.

Brad challenges conventional wisdom about retirement planning, explaining why the wealthiest people own more life insurance than anyone else (hint: it's about tax-free wealth transfer), why Roth accounts matter more than most realize, and why protecting against longevity risk matters in a country with more centenarians than anywhere else in the world.

As a Tax Planning Certified Professional and Retirement Income Certified Professional, Brad brings specialized expertise beyond typical financial advice. His practical approach focuses on creating retirement income security that withstands market volatility, inflation, healthcare costs, and the unexpected twists life inevitably delivers.

Ready to bulletproof your retirement? Call 866-780-SAFE for a free consultation and copy of Brad's bestselling book on creating a secure retirement income plan that truly works.

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