"The Great American Retirement Myth” challenges the conventional wisdom around retirement planning. It exposes the hidden flaws in traditional strategies and provides a smarter, more reliable paths toward financial security."
Learn the risks behind common retirement advice and how they can impact your long-term income, wealth and legacy.
Discover practical strategies used by experienced financial professionals to protect assets and increase your retirement income
Gain a clear understanding of your financial future so you can make confident retirement decisions and ask the right questions
Understand how YOU truly want to save for retirement, not how you are TOLD you want to save for retirement
Each chapter breaks down complex financial concepts into simple, actionable insights designed to help you rethink and strengthen your retirement plan.
You think you understand your retirement, but you probably don’t. Let’s open your eyes to what you are really doing and see if it matches what you actually want to do.
What the experts say you should do to save for retirement, a breakdown of the typical cookie-cutter plans and how easy they are to use.
The truth about how little that story makes sense. Objectively looking at our financial landscape and questioning if their story works in it.
An introduction into what IRMAA is, how it works, how it hurts, how little the financial community cares about it and why you are being guided right into the trap.
Why the typical American retiree is like a hamster on a wheel. Running faster and faster to catch-up, but going nowhere, because that is how the system is designed.
The story of how I became an outlier in the industry and how I was introduced to the ideas behind The Great American Retirement Myth.
By best selling author Dan McGrath. Dan shares his story about becoming the foremost expert on IRMAA in the country, exploring his background in finance, his eye-opening realization and his struggles fighting the system.
An introduction into annuities. What kinds there are, when to use each and some unique advantages of having one.
The most common objections advisors have when considering an annuity. Why most of the financial community does not like them and an explanation to the rationale behind their poor reputation.
My counter argument to each of the most common anti-annuity arguments and my verdict as to whether or not each argument has merit. When an annuity is right for you and how to use them correctly.
An introduction to life insurance. A breakdown of the different types, how they each work, and how they are most commonly used as a protection product.
How can life insurance be used as an asset class and retirement supplement. Why they work, how they improve your retirement by reducing your healthcare expenses and why most financial advisors selfishly refuse to use it.
I break down why and how these plans go bad and how impactful it can be to your financial well-being if they do. Common mistakes made and pitfalls to avoid, finished with a client story illustrating how terrible a mismanaged policy can be.
What are they and why should you consider them? Introducing the “perfect” retirement plan and how ROTH is a big component. How ROTH conversions work and how they can become disastrous.
A few samples of lesser used accounts and products and how they can be a part of your retirement. Are you a fit for them and if so, why you should consider them.
How does one “become” a financial advisor? The scary truth of how little it takes to be an “expert.” A breakdown of how their business works and why there is also an intersection of what’s best for you and what’s best for them. How to find the right advisors.
How the current plan will leave the surviving spouse broke. Why no one plans for the widow and how the government depends on it. How to align yourself with the right team to make sure this doesn’t happen.
Why I think the 401k will be a thing of the past sooner rather than later. An explanation into why they will all fail in the near future.
How pensions, Medicare and Social Security are linked and why the aging pension system is going to ruin your Social Security check.
Why I think the housing market, specifically linked to retirement and inheritance, is going to falter in the next 15 years.
My argument as to why you shouldn’t plan on leaving the house to your kids as an inheritance and why you should consider speaking to someone about a reverse mortgage, another concept shunned by most financial professionals.
Don’t leave that small IRA to your kids, it isn’t helping them, it’s hurting them. Tax efficient ways to leave money to your kids and grandkids, if it is qualified.
A suggestion I have for making American retirement better for everyone, and how I have been ignored by every politician I have sent the letter to. It’s time for a third option, added to Traditional and ROTH. Introducing the Blended 401k/IRA.
Why I think New York is closed off to certain products, why everyone in the country should care and why it is an insight to just how corrupt and rigged our system is.
A breakdown of the 3 age groups linked to The Great American Retirement Myth, how each can prepare and why it is not too late to improve your situation.
What you need to do to help yourself. Don’t give in and give up, change.
I don’t want to fight, I want you to be open minded. My explanation as to why I want to work with advisors and help them help their clients by breaking the Hamster Wheel together.
This book simplifies complex financial concepts and gives you the clarity needed to make smarter retirement decisions.
Understand the common beliefs that could be putting your financial future at risk.
Learn what “It doesn’t matter what you make, it matters what you keep” really means
Discover the hidden costs in traditional financial products that reduce your returns and learn the truth about why other strategies are ignored.
Explore alternative strategies designed to create more predictable income in retirement.
Build a retirement strategy that gives you confidence, control, and peace of mind.
Whether you're just starting to save, nearing retirement, or are currently retired, this book is
designed to help you make better financial decisions at every stage.
Individuals in their best earning years, who are currently saving for their future retirement.
Individuals planning for retirement in the next 5–15 years.
Those already retired who want to protect and optimize their income and legacy.
Anyone looking to better understand risk, concepts, long-term financial planning, and the truth as to why some financial professionals do the things they do.
of Americans are enrolled in Medicare
of the population have prepared for the costs
Last year the increased cost was nearly 10%
of presentations and seminars given on this topic by our team throughout the country
of Americans are enrolled in Medicare
of the population have prepared for the costs
Last year the increased cost was nearly 10%
of presentations and seminars given on this topic by our team throughout the country
Real feedback from readers who have changed the way they think about retirement.
Learn from real-world financial experience and insights.
Jim is a financial professional dedicated to helping individuals understand the realities of retirement planning, income protection, estate planning and individual insurance needs. With nearly 20 years of industry experience, in both retail and wholesale, he has seen firsthand how traditional advice can fall short.
Through this book, Jim shares practical insights and strategies designed to help Americans protect their wealth and retire with confidence.
Get clear answers to common questions about the book and how it can help you plan a better retirement.
Have questions about the book or your retirement plan? Reach out and we’ll be happy to help.