"The question isn't at what age I want to retire, it's at what income." George Foreman Ladder low-cost short-term income annuities. Avoid expensive deferred annuities. Most guarantees are just not worth the price. Annuities are not refundable-compare alternatives. Create a Tax-FREE inflation-proof account for growth. The Retirees' Dilemma: Wouldn't you like to assure yourself of a tax-FREE inflation-proof income for the rest of your life without giving up control of your assets? Develop your own "lifestyle" security. You know that Social Security will end 2033. You know that income taxes will increase to pay off two wars, two tax cuts and two bank bailouts. We need to protect our future incomes Today you can make sure you are protected by creating a guaranteed inflation-proof income stream of special annuities to exactly match your needs. You need to enter the last 30 years of your life knowing how you are going to obtain income. You need a realistic and flexible plan. Two-thirds of pre-retirees don't have a clue. Financial advisors favor high-cost products. You need less-biased information to find the best alternative for you. I help you decide which alternatives are best for you, now and later. You don't give up control of your assets. Only you know what fits your lifestyle at each stage. Our retirement options have changed. The number of employers offering defined-benefit pensions has fallen. If you were lucky, your employer offered to match some of your contributions to a self-directed retirement plan (401k, etc.). You were left on your own to figure out the most important decision about your future happiness-what investments to make. Most employers have not helped you decide how much and where to invest your contributions. They washed their hands of your situation. Some even took your money. We are on our own. Let's look at the alternatives.