• TAXES – Minimize the potential taxation that can rob your heirs  
HEALTH –
 
Prepare for Long Term Care & End-of Life Care

RISK – Protect your portfolio against market volatility
• INFLATION – Ensure guaranteed increases against inflation
• LONGEVITY – Guaranteed your income for the remainder of your life
• LEGAL – Protect against legal costs such as bankruptcy & probate

As I approached the beginning of my “second career” I realized how ill-prepared I was. As I surveyed my contemporaries I found that I was not alone in my lack of preparation for retirement. I resolved to become an expert in the subject so that I could apply my experience in problem resolution to the issue of retirement for others facing the same problems.   –– JIM WHITAKER