Defunding your retirement is as important as funding it. How can you do this in the most tax efficient manner? You also need to consider long-term care risk and how you can create your own personal paycheck protection plan. Financial expert and Amazon Bestselling author, John Browning, shares what a good retirement plan can look like. Request John's paper: The 8 Most Common Misunderstandings About Retirement. Connect with John by texting "LIFE" to 21000 or GuardianRockWealth.com.