Build your own $2,000,000 Wealth ReserveTM. Maintain your "lifestyle" before and after retirement. Retire with $160,000 annual income with NO income tax. Social Security will exhaust its funds in about 2037. Most workers retire with less than $100,000 for retirement. The largest asset owned is a personal residence. Social Security is the major source of income for retirees. The average benefit is $1,076 per month--$12,912 a year Washington has proved that the guarantees of the past are done. Where will your income come from when they cut the benefits you have paid for already? Employer pensions and even 401k matching benefits are things of the past. We are on our own. Income taxes will climb because the size of government obligations will never shrink. Ten years of tax cuts and two wars have to be paid for by someone. How will you pay for them? Since 1976, the average inflation-adjusted hourly wage declined by more than 7 percent. 1.47 million people now receive their reduced pension checks from the U.S. PBGC agency-their company pensions failed. 44 million Americans have plans that may be at risk. Why wait for disaster? It is time for us to build our own financial system.