95% of retirement plans are broken-3 things you need to know to fix yours.

Less than 5% of Baby Boomers nearing retirement are positioned to fund the lifestyle they desire throughout the remainder of their livesyet financial freedom is within most people's grasp. Many realize they are not on plan and are fearful they will outlive their retirement savings. If you are in this situation I have a positive message to share. This book advocates a very different approach to funding retirement focused on passive income streams rather than equity accumulation. When you choose to get off the Wall Street roller coaster, your plan can be capitalized in 5-10 years rather than 30-40 that the slow compounding approach requires.

The purpose of this book is threefold:

1. To comprehend the benefits of recurring streams of passive income, which fund lifestyle expenses, rather than striving to accumulate a large account balance for retirement. A portfolio of recurring cash flow assets can fully fund your retirement in less than one-third of the time!

2. To discover the power of privately structured investments. You too can participate in advantaged opportunities with greater returns, while at the same time reducing risks, paying lower taxes and fewer fees. Efficiency matters greatly in attaining true prosperity.

3. To clarify how little-known but powerful financial strategies enable you to maximize the efficiency of the money that flows through your life. It's not what you make but what you keep and how fast it grows that really matters.

In my experience, these three strategies support people being able to live the lifestyle they desire in the near term, as well as safely funding retirement to maintain that lifestyle as long as they live. Harder Working Money allows stress free living.

There is no single perfect investment vehicle or plan that is ideal for everyone, and this book does not promote any single solution. Your best plan must correspond to your personal situation, personality traits and goals. However, once you clearly identify the benefits you are seeking and align the right array of financial vehicles, accomplishing your plan can be much easier, quicker and more certain. This book is about understanding new options that may free you from the bondage of sub-optimal, constrained choices.

My definition of financial freedom is all about having the time and resources to enjoy life on your own terms. This does not need to be about accumulating a lot of material things or a huge bank account. Rather, true freedom is enabling the choice of whatever you desire without undue limitation by the costbecause your family is able to afford the choices that bring them true joy.

This book is as much about new questions to ask as it is about answers. I believe the quality of questions you ask and the precision of the answers you generate over time will determine your success in achieving prosperity. My attempt is to help you reframe your perspective on achieving financial freedom, so you can develop a personalized plan, and the next decade can be an experience of purposeful growth toward specific ends, rather than floundering in a confusing context.