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.