True North: American Real Publishing

Your money has a direction. The only question is whether you're steering it or drifting.

For thirty years, financial advisor Rick Barnett has sat across the table from people at the most vulnerable moments of their financial lives. The 65-year-old whose hands are no longer steady enough to work. The widow unfolding statements her husband once handled alone. The high earner who somehow reached the edge of retirement with far less than the paycheck once promised.

The same quiet truth ran through every story: earning money is one skill, and keeping it, growing it, and passing it on wisely is another skill entirely.

Consider the evidence. Nearly 8 in 10 NFL players face financial ruin within two years of retiring. Most lottery winners are broke within a few years. Michelin-starred chefs who once cooked for royalty died with almost nothing. Talent, income, and even luck are no protection against a life without a plan. And a goal without a plan, as Barnett puts it, is just a wish.

True North is the map and the compass for the second half of your financial life. Written in warm, story-rich prose instead of dense jargon, it turns decades of hard-won expertise into principles any family can understand and actually act on.

Inside, you'll discover how to:

• Build retirement income that doesn't depend on your ability to keep working
• Protect what you've saved from unnecessary taxes and avoidable mistakes
• Handle estate planning and wealth transfer before responsibility shifts to the next generation
• Weather market swings, rising costs, and health surprises without losing your footing
• Leave a legacy of wisdom, not just wealth, because wealth without wisdom only multiplies anxiety

This is not a book about beating the market. It's about building something durable: security that steadies the people you love when life is at its weakest and most uncertain.

Whether you're years from retirement or already living it, whether you're managing a modest nest egg or a sizable estate, True North will help you find your bearings, hold your course, and create something that outlasts you.

Because one day, someone you love will stand exactly where you stand now. What you built will either steady them, or leave them alone in the dark, wondering how they will make it through.

Find your true north. Start today.