Your investment plan assures you of income AND growth. Your spending plan assures you of income for life. Your Wealth ReserveTM provides TAX-FREE income for life. Your tax-advantaged mutual funds grow at 10-12% per year. Start today Every year you delay costs you $100,000 later Ten diversified mutual funds assure us of retirement income AND inflation-busting growth we can't outlive. Social Security will exhaust its funds in about 2037, according to 2010 projections. We know that income taxes will continue to climb because two wars and two tax cuts have to be paid off. We need to develop our own "lifestyle security"-growing income we can't outlive. Today we can make sure we are protected by creating an inflation-proof retirement. We need to enter the last 30 years of our lives knowing how we are going to manage it. We need a realistic and flexible plan. Two-thirds of pre-retirees don't have a clue. Financial advisors only want wealthy clients. We are on our own. Our economy has changed. Fewer employers are paying for our retirement and health care. The number of employers offering defined-benefit pensions has fallen from 175,143 to 59,499 from 1983 to 1997. If we were lucky, our employer offered to match some of our contributions to a self-directed retirement plan (401k, etc.). We were left on our own to figure out the most important decision about our future happiness. Most employers have not helped us decide how much and where to invest our contributions. They washed their hands of our situations. We need to make a plan to make sure our money lasts as long as we do.