Accumulate $1,000,000 free of fees and taxes. Avoid ALL the Wealth Killers. Buy financial services at a discount. Use a tax-FREE account-tax-FREE-forever. Buy low-cost mutual funds averaging 10-12%. Accumulating wealth requires that we avoid the advisor fees, commissions, charges, loads and ... taxes-the Wealth Killers. We avoid fees by buying ONLY the financial services we need at a discount. We avoid taxes by using an IRS-approved account. We reinvest ALL our earnings. We accumulate $1 million by leveraging the Miracle of Compounding over time. Tax-FREE low-cost growth can provide 50% more to spend for the rest of our lives. We know that income taxes will increase to pay off two wars, two tax cuts and two bank bailouts. The wealthy stay wealthy by paying lower tax rates than we do. Warren Buffett pays only 17% total tax, Mitt Romney only 14%, and John Kerry only 13%. What is your total rate? 25%, 30%? The wealthy stay wealthy by paying lower fees, charges and commissions. Their fee schedules are 0.01-0.05% not 1.5-3%. They buy only what they need so their costs, and thus the sales commissions, are less. They don't use middlemen because they know financial advisors only use their firms' high-cost products. We need to follow Benjamin Graham's advice and buy financial products like we buy "groceries, ... not perfume." We can do that when we have less-biased information to find the best alternatives for us. Salespeople sell the best products for their firms; not for us. I help you decide which investments and insurance are best for you; not the sellers. Your investment edge is the miracle of compounding. Start today in one hour. Don't let fees sink your ship.