Winning at Retirement: The Retiree's Guide to Saving Your Retirement from: Losses, Fees, Spousal Poverty, and Going Broke in a Nursing Home!

More often than not, Americans are losing in retirement. Unexpected taxes, the unpredictable stock market, and unforeseen healthcare issues can quickly take their toll on your life's savings. In Winning at Retirement, Financial Planning Experts Philip Richardson and George Sheets clearly explain the major obstacles most people face and how you can avoid them.

In these pages you'll meet a mother-in-law, a farmer, and an IRS agent—people whose stories illustrate financial concepts. If you desire to protect your hard-earned money, reduce taxes, eliminate fees, and mitigate long-term care expenses from breaking your piggy bank, this book is for you.

Winning at Retirement is an easy-to-read book that simplifies retirement planning by using an illustration of 5 Buckets. In a few minutes of reading you'll learn how to:

• Eliminate Taxes and Protect Your Income (page 19)
• Disinherit the IRS (page 49)
• Properly Choose Your Beneficiaries (page 73)
• Take Care of Your End-of-Life Care (page 89)
• Apply the 5% Solution to create a Tax-Free Estate (page 113 — this simple, yet little-known strategy will amaze you)

Enjoying your retirement without concern for income or future events is something you can accomplish when you follow the simple, proven, and reliable concepts in this book. There's no better time than now for you to begin Winning at Retirement.

Philip Richardson and his wife Cathy live in Elizabethtown with their three children, Jordyn, Halle and Philip Jr. Philip and Cathy enjoy taking early morning walks and enjoy watching the sun rise across the fields. Philip says, "Living out in the country is like being on vacation every day. We are early risers and enjoy each other's company before heading into the office." George and his wife Jennifer live in Lancaster with their two Yorkies. George and Jennifer enjoy spending time at the shore and often travel to Myrtle Beach to visit with family. They especially enjoy walking on the beach and dipping their toes in the ocean. Philip and George have educated thousands of seniors on protecting their money from market losses, avoiding money management fees, keeping their spouse out of poverty, not going broke in a nursing home, avoiding tax mistakes seniors make and avoiding the delay and expense of probate. They are sought after speakers who bring a unique view to the financial world you won't get from most advisors. They have also been on the radio with a weekly show discussing how to implement the strategies they recommend to seniors. Let Philip and George help you ensure your finances during your golden years are stress fee. Regardless of what the future may bring, by working with Philip and George you'll be Winning at Retirement.