Retiring Without Risk Book



— Build wealth for retirement without the fear associated with investing in the stock market.

— Build a tax-free retirement nest egg in the most efficient, least painful and least risky manner possible.

— Determine if tax-deferred qualified retirement plans or IRAs are really tax hostile or tax favorable.

— Learn how to grow wealth with NO risk of loss due to market downturns.

— Learn how to lock in stock market gains on an annual basis (which will never be lost once locked in).

— Learn how to earn a 7% guaranteed rate of return (accumulation value) with a guaranteed income for life you can never outlive.



This book is dedicated to readers who are looking for understandable answers to the following questions:

Is investing money in the stock market the “best” place to grow wealth?

Notwithstanding all the hype about how well the stock market has done over the last 20 years, what are the real statistics showing what the “average” investor has actually earned when invested in the stock market (the answer is shocking)?

How do you build a tax-free retirement nest egg in the most efficient and least risky manner possible?

Does it make financial sense to overfund a tax-deferred qualified retirement plan or IRA?

Is “Retirement Life” insurance a good financial tool to build wealth for retirement?

Are there wealth-building tools that can guarantee you a 6-8% rate of return?

Are there wealth-building tools that can guarantee you a lifetime income you can never outlive?

Our Philosophy

Retiring Without Risk (RWR) is both a book and a philosophy by which our firm gives advice to clients.  Our philosophy is to help clients reach their financial, estate, and tax-planning goals in the least risky manner possible with the least amount of taxes paid while living and upon death.