+Use a tax-FREE account to protect all your earnings and gains.+Earn 10-12% on your retirement money with no taxes or fees. +Spend 8% of your nest egg FREE of income tax annually. +Avoid tax on up to 85% of your Social Security benefits. +Turn your taxable pension or IRA into tax-FREE income. Your total return in 2012 could have been 15.3%. Unfortunately, you will eventually have to pay tax on those earnings if they are in your retirement accounts. They could be tax-FREE. Isn't it time you started using the tax laws to your benefit? Why not pay your fair share? Warren Buffett pays only 17% total tax. youtube.com/watch?v=Cu5B-2LoC4s. Mitt Romney and John Kerry pay less than 15%. news.yahoo.com/blogs/ticket/mitt-romney-not-only-15-percenter-john-kerry-002350310.html You may not be as wealthy as these guys, but you can take advantage of a tax haven they can't and pay ZERO tax on your compounded earnings when you retire. You can avoid the inevitable tax increases in the future to pay for the two wars, two bank bailouts and two tax cuts for the rich. You can accumulate $500,000 and avoid the 25% to 30% federal and state income tax by using the strategy Warren Buffett uses-Compounding high investment earnings in a tax-advantaged account. Compounding is money earning money on its earnings over time. Simple but powerful and you pay NO tax and low account fees for life. When you and your partner invest in the stocks of successful businesses, you earn 10-12% a year over time. After 15 years, you could have $250,000 because the businesses paid dividends which you reinvest. After 20 years, you could have $500,000-All Tax-FREE. Compounding works best when you put your money to work in successful businesses paying dividends and stock splits, with no taxes or advisor/broker fees. The table below gives you some idea of how fast your money can grow if you invest it in businesses like the ones you buy from every day. I will show you how to set this up in only one hour. You set it and forget it.