Dear Retirement Investor,

There’s no doubt in my mind.

The IRS is rubbing its hands in greedy glee. They’ve been waiting for this moment since 1974 — over 40 years since the first Individual Retirement Account (IRA) was introduced.

It seemed like a great idea: deposit tax-deductible money into an IRA — save for your future — and you wouldn’t have to pay any taxes until you started withdrawals.

Even though Congress made you jump through hoops to contribute to your IRA…

Limiting the deductibility of what you put in based on income… threatening you with a 10% early-withdrawal penalty… demanding you take distributions at a certain age…

You saved anyway.

It also approved additional tax-deferred savings plans, like the 401(k), in 1979, so you saved even more.

Meanwhile, the IRS continued to wait patiently… knowing that, one day, it would be time for YOU to pay the piper.

Because now that you’re retired or are on the brink of retirement…

Your Tax-Deferred Paradise Is Now a

This “booby-trap” was set by the IRS four decades ago.

Think about it…

All of that money you’ve socked away — growing tax-free and safely inside your retirement accounts for years…

…Is now in the crosshairs of the IRS.

Because now that retirement is here, the IRS knows it’s time for YOU to start spending your largest retirement assets, including your IRA, 401(k), and other “tax-free” accounts.

So, what was once a tax-deferred paradise is now a FULLY-TAXABLE nightmare.

That’s why I’m writing to you today.

I’m Bob Carlson. For more than 25 years, I’ve been helping tens of thousands of people just like you live a smarter, better, richer retirement.

What’s more, I’ve shown them how to invest in safer, more profitable investments that double, even triple their hard-earned nest egg, while helping them make sense of the neverending tax law and other changes affecting their retirement.

The Washington Post calls my advice smart… savvy… sensible… valuable and imaginative.

My phone rings off the hook from the editors and reporters of the Wall Street Journal, CNN, CBS,, Reader’s Digest, Barron’s, AARP Bulletin, Money, Worth and many others who quiz me on the critical retirement issues facing us today — one of the biggest of which is…

How can a retiree afford the retirement
of his or her dreams with more than one-
of their hard-earned money gone…
simply vanished into the leaking coffers
of the U.S. Treasury?

Thanks to the power of compounding, it’s likely the assets in your tax-deferred retirement accounts that have grown a great deal — especially if you’ve been saving and investing for a while.

Take a moment to total up your IRAs, 401(k)s, CDs and other savings. Plus, don’t forget all that equity in your house.

It’s possible you’re sitting on, at least, a few hundred thousand dollars… a half-million or million-dollar portfolio… or even more.

But while the IRS left you alone to grow your retirement nest egg, they’re now chomping at the bit to finally soak you with the taxes they think you’ve gotten away with not paying all these years.

Because, my friend, the deal you’ve made with the “devil” is this: your money can appreciate tax-deferred for years and years in your retirement accounts… but once you start withdrawing it, all those capital gains are taxed as ordinary income.

And for the wealthiest generation in history, your retirement savings could be taxed at an income rate as high as 37%! That’s right… more than one-third of your money could be legally grabbed by the IRS.

Yet the current long-term capital gains tax rate is a maximum of 20%. It’s outrageous!

You and I both know that, in retirement, it’s all about how much of your hard-earned retirement savings you can keep and protect from the greedy IRS and salivating politicians.

That’s why I want to give you my very best solutions, secrets and strategies for keeping your nest egg safe from unnecessary taxes, and enjoying a richer, happier retirement. They’re all here in my brand-new, five-volume, Worry-Free Retirement Library.

In a moment, I’ll tell you how you can get your complete library absolutely FREE… with no risk or obligation on your part.

It’s my way of introducing you to the kind of no-nonsense, plain-talking, unbiased advice tens of thousands of my Retirement Watch readers have used to make their retirement far wealthier and more secure, with minimal hassle or risk.

I can’t think of a more important time to get this urgent, tax-saving, retirement planning advice into your hands. That’s because, not only is the government planning on grabbing one-third of your retirement accounts in taxes…

Congress is Already Talking About More New Ways to Tax Retirement Assets!

The government is already starting to realize how lucrative it is to not only fleece your nest egg, but also the nest eggs of 77 million baby boomers set to release a whopping trillion dollars a year in retirement savings in the coming decade.

So it’s no surprise that Congress is working overtime to come up with more new ways to get their hands on your money.

Plus, with Social Security and Medicare starting to crumble under the weight of more and more retirees, the retirement age has increased, benefits have been cut and rumors of “means-testing” for these benefits you’ve paid for in advance are getting louder and louder.

As a retiree with a nest egg, it’s as if you have a giant bull’s eye on your back. The money you’ve worked hard to save — that you’re depending on to last your entire lifetime — is the government’s target.

That’s why I’m urging you to take steps to protect yourself now!

But here’s the problem. Unless you have the expertise in tax planning, estate planning, insurance, investments and other know-how at your disposal, you could unwittingly lose thousands, even hundreds of thousands, of dollars of your retirement nest egg to the IRS, and the other threats to your retirement security.

Let’s face it… just trying to keep up with your investments and the changes in the tax laws is difficult enough.

Do you really have the precious time to add estate and tax planning, and the complexities of insurance, to your list of things to know for retirement?

When will there be time for the fun and travel you’re supposed to enjoy in your retirement?

Or worse… what if you make a mistake, and years of your retirement income is lost to needless taxes and declining investments?

You simply can’t afford that.

Yet I’ve seen it happen to so many well-meaning folks who were simply unable to keep up with all the mind-numbing changes in the tax laws… the tricky nuances in estate planning… and the microscopic fine print of insurance policies and annuities.

How to Make Every Penny You’ve Saved
“Off Limits” to the IRS

The good news is that there are plenty of savvy, easy-to-do and 100% legal strategies you can use to keep more of your money in your pocket where it belongs. You’ll find them all in the FREE, five-volume Worry-Free Retirement Library I’ve reserved in your name.

And you don’t have to be an expert to make these strategies work for you. You just need this easy-to-follow advice to make the best money decisions for your retirement needs.

Can you imagine how much richer and more enjoyable your retirement would be if you could keep the money that’s rightfully yours?

You could travel to places you’ve only dreamed about. Help send the grandkids to college. Volunteer at the local soup kitchen. Start a new business or hobby doing something you love. Give more to charity.

Whatever it is you’d like to do, the first step you should take is to send for your FREE Worry-Free Retirement Library today. The complete set can be yours with my compliments when you request your no-risk trial subscription to my monthly advisory, Retirement Watch.

The Most Powerful Tax-Saving,
Retirement Planning Secrets for the
Informed Retiree Only

Now you can have access to the type of sensible, honest retirement advice you need to help you enjoy a worry-free retirement, and provide a lifetime of rich, steady income.

My monthly advisory, Retirement Watch, is the first of its kind to deal with more than just investing for retirement. In fact, it’s the oldest retirement financial advisory written for people over 50 years old who are facing the immediate challenges of planning for retirement and being retired.

Since 1991, I’ve researched and written all of the articles in each issue myself. What’s more, I understand how much you’re depending on your nest egg to see you safely and richly through the next phase of your life. So am I.

I’m not going to risk my financial future with uninformed and potentially dangerous decisions, and I’m certainly not going to risk yours, either.

I also know, first-hand, how difficult it is to manage money in a frantically-changing world. I’ve been on the board of not one, but two public pension plans with more than $44 billion in total assets.

As Chairman of the Board of Trustees of Fairfax County, Virginia’s Employee’s Retirement System, I’ve overseen growth in asset value from about $600 million to almost $4 billion since 1995.

But choosing the best and safest investments to multiply your portfolio is only part of what I cover each month in Retirement Watch… Because even if you hit retirement with a good-sized portfolio of cash, home equity, and tax-deferred savings, your next challenge is…

How Do You Turn Your Life Savings
Into a Lifetime of Cash… Without the
IRS Stealing You Blind in the Process?

I’ve NEVER seen this real-life concern on the front cover of any newspaper or magazine! But you’ll read about it here right now.

You can turn your nest egg into a lifetime of cash… if you know these strategies.

And that concern is this. Whether you’re a few years from retirement — or already living in retirement — you must know how to turn your life savings into a lifetime of cash… or risk running out of money in later years.

The first step to doing so successfully is to determine if your nest egg will be able to withstand 30 years or more of the IRS breathing down your neck every time you liquidate assets!

That’s right… Like I mentioned earlier, every time you transfer retirement assets into retirement income, you risk having the IRS grab more than one-third for itself in taxes.

So how do you avoid losing a small fortune every time you take an IRA withdrawal?

Let’s face it… most of us have no idea how to turn our nest eggs into income. A survey by Fidelity Investments showed that 51% of retirees don’t know which assets from which accounts to draw out first.

Should you use up your taxable income first — like CDs or stocks you hold outside tax-deferred accounts? Do you begin raiding your IRA or 401(k)? Or should you convert your IRA to a Roth IRA before tax rates climb any higher?

Make the wrong choices and it’ll cost you dearly. If you withdraw your retirement assets from the wrong accounts in the wrong order, the IRS can lower the tax boom, and you can end up tens — if not hundreds of thousands — of dollars poorer.

The #1 Retirement Myth that
Could Cost You Your Shirt

It’s easy to get caught in the crosshairs of the IRS, especially since so many Americans have relied on the “old” rules and myths of retirement. In fact, one of the most dangerous myths is that your income tax rates will decline in retirement.

But the truth is, for many retirees, income tax rates stay the same or even go UP after retirement. In fact, retirees often face the highest marginal tax rate in America — up to 37%!

More than most other Americans, retirees also face an array of what I call Stealth Taxes: taxes on Social Security benefits, Medicare premium surtax, reduced personal exemptions, eliminated itemized expense deductions, alternative minimum tax, and more.

It makes you wonder why so many of us remain stuck on the notion that it’s better to defer taxes for as long as possible. It’s a mantra no doubt you’ve heard many times before.

But if you think spending your taxable accounts first — followed by your tax-deferred accounts — would be better, think again. That may not be the case… depending on how the tax rates change over the coming years.

You need to be prepared for those changes before they hit.

Then there’s the question of whether you should take money first from your IRA or your 401(k)… or if it’s best to clear out your deductible IRAs before your nondeductible IRAs.

It’s enough to make your head spin! What’s worse, one mistake can lead to a pretty hefty tax bill. But here’s where I can help.

How to Keep Your Money Safe from the
IRS Money Grab

I’ll explain everything you need to know about how to decide the best strategy for you, along with other steps you can take to guard your assets against excessive taxes.

All the details are in your first volume of your FREE Worry-Free Retirement Library. It’s called Keep Your Nest Egg Safe from the IRS Money Grab. And it’s yours FREE as a Retirement Watch subscriber.

In this tax-saving FREE volume, I’ll reveal which retirement accounts you should spend first, so you can protect the bulk of your nest egg from the IRS while living well off your distributions. Following this order could easily set you up with plenty of income for life.

But that’s not all. I’ll also reveal…

All the details are in your FREE Volume #1, Keep Your Nest Egg Safe from the IRS Money Grab.

Now let’s take a look at another prominent asset in your retirement savings mix that, if you don’t handle just right, could lead to a huge tax bill from Uncle Sam…

The Nasty Tax Surprise that’s Waiting
When You Cash In On Your House

Perhaps you never thought that you would end up paying more in capital gains tax when selling your house, over what you actually paid for it in the first place. But that’s the nasty tax surprise happening to many retirees.

Many older homeowners who bought their homes in the 1960s, 70s, even 80s, could face this huge tax problem that, just a few years ago, was considered unthinkable.

Yet it’s happening all over the country. People are selling their homes now for far more money than they ever imagined.

And their gains often exceed the current tax-free exception limit under federal tax law. Appreciation has been so strong that even homeowners with fairly modest incomes and homes could reap gains of more than $500,000 — beyond the current tax-free limit for married couples.

Let’s say you originally paid $150,000 for your home — and can sell it today for $850,000. You could be looking at a gain of $700,000.

If you’re married and able to shelter $500,000 from taxes, you’d wind up paying 15% capital gains taxes on the remaining $200,000 — that’s $30,000!

And if you’re single, you’re legally able to shelter just $250,000 of that gain… so you could owe the IRS a whopping $67,500!

“Forbidden” Yet 100% Legal Strategies to
Pay ZERO Capital Gains Taxes

As you can see, if you’re counting on your home equity to help provide for your retirement, you could end up losing a large chunk of it to capital gains taxes if you’re not careful.

However, you’ll be pleased to learn that taxpayers sitting on lots of home equity who don’t want to pay hefty capital gains taxes have a few options. You’ll find them all in the second volume of your Worry-Free Retirement Library.

It’s called Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid, and, in it, I’ll explain each tax-avoiding strategy step-by-step.

First off, I’ll tell you about five cutting-edge, but not widely-known, strategies you can use to reduce or even eliminate the capital gains taxes you pay.

Plus, if the value of your home has soared, your property taxes have likely headed skyward as well — perhaps even higher than you can afford. But there is a way you can fight back.

Surveys suggest that 50% or more of properties are over-assessed. If that’s the case with your home, you can slash your real estate taxes by appealing your property tax assessment.

I’ll tell you what you can do to get these annoying, bank account-draining taxes lowered. You won’t have to spend hours of time, nor will you have to hire a lawyer. In fact, you’ll be shocked to discover just how easy it can be.

You’ll find these strategies and more in your FREE Volume #2, Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid, available to you now with your risk-free trial subscription to Retirement Watch.

The strategies you’ll discover in your Worry-Free Retirement Library and in your monthly issues of Retirement Watch will help you fend off the IRS’ tax boom and keep more of what’s legally yours.

But there’s another threat to your retirement wealth and security that could prove even more devastating if you don’t make the right moves now…

The Big Healthcare Shock… And
Why You Could Be Out $200,000 Or More!

It’s safe to say that medical expenses are the largest underestimated cost in retirement. Yet it’s the one expense that often hits retirees the hardest. In fact, medical expenses are the leading cause of bankruptcy, especially among retirees.

And no wonder. The estimated medical costs for the average retiree are staggering. According to the Employee Benefit Research Institute, a 65-year-old couple retiring today could pay $265,000 or more for medical expenses over the next 15-20 years.

That includes premiums for Parts B and D coverage, and for Medigap Plan F, as well as out-of-pocket spending for prescription drugs.

It doesn’t include other expenses, such as eyeglasses, hearing aids, dental care, and uncovered medical care and equipment.

What’s more, if the couple has higher prescription drug needs than the average, the the medical costs could rise to a whopping $350,000.

Believe it or not, those estimated expenses don’t include any sort of catastrophic planning for sudden illness or accidents. Nor do they include the high cost of nursing homes or other long-term care.

I don’t know about you, but most people don’t have that kind of money tucked away solely for medical expenses. What’s worse, many pre-retirees and retirees mistakenly believe Medicare will cover the full tab.

The Truth About Medicare and the
New “Part D” Drug Coverage

You see, Medicare is largely for hospitalization deductibles, co-payments, premiums, and non covered expenses.

If you’re still working and hoping your employer will help out, that’s not likely to happen. Only one in 20 companies still offer any retirement medical benefits. Of those that still do, they’re reducing or eliminating those benefits due to rising costs.

So, if you do have retirement medical benefits now, they could be drastically different 5 or 10 years from now.

In volume #3 of your Worry-Free Retirement Library — called How to Insure Your Way to a Rock-Solid Retirement — I’ll show you how to shield your wealth against the staggering medical costs you may face over the next 30 years.

This information is more critical than ever, especially when Medicare premiums and out-of-pocket costs are skyrocketing.

Plus, I’ll also tell you how to solve another health expense worry for many retirees: long-term care.

People often think Medicare or Medicaid will protect them from the bulk of these shockingly high medical expenses.

But the truth is very different. In fact, few people enter retirement with a good understanding of what they need to know about long-term care and long-term care insurance.

It’s easy to understand why. Few people want to talk about it, and there’s a lot of misinformation floating around.

It’s tough to find the facts and good advice.

For example, it does not cover most routine and preventive care, and actually covers only about 62% of its beneficiaries’ medical expenses.

But with this report, you’ll discover the most effective strategies allowed by law for you to deal with the rising costs associated with health… along with little-known strategies for making sure you never outlive your money. 

Even with all of the strategies, tips and secrets you’ll learn in my Worry-Free Retirement Library, that’s still not enough to ensure your life’s work — and your wealth — goes to those who deserve it when you’re gone.

Unfortunately, the wealth accumulated during your lifetime could easily be wasted, eaten up by unnecessary expenses, or not end up in the hands of those you want to have it.

Many people neglect estate planning, and the rules and regulations are complex — to say the least — and keep changing.

That’s why there’s one more critical step you need to take, so your wealth endures and your family gets everything coming to them.

Estate Planning is About a
Lot More Than Taxes

When it comes to your estate, what you don’t know can cost your family, your heirs, and your legacy a bundle. 

For example, did you know that your IRA isn’t covered by your will? That fact alone can cost your heirs tens of thousands of dollars if you don’t handle it correctly.

Retirement Watch readers know that and more, such as…

To help make sure all of your intentions for your estate are crystal clear to your attorney, executor, family members or anyone else, I’d like to send you another FREE Special Report.

It’s called Your 20-Minute Estate Plan: Building a Lasting Legacy.

It’s true that most people don’t have to worry about federal estate taxes any more.

In fact, thinking that estate planning is all about taxes could cost you and your loved ones a bundle and create a lot of headaches.

Estate planning is about seeing that your hard-earned wealth goes to those you want to have it, and in the most efficient way possible.

It involves reducing family conflicts, waste from high expenses, delays, probate, mismanagement, creditor claims, and more. You’re exposed to all of these risks even if you won’t owe a dime in federal estate taxes.

That’s why I include estate planning strategies in almost every issue of Retirement Watch. And why I give members my FREE Special Report: Your 20-Minute Estate Plan: Building a Lasting Legacy.

I’ve made it so simple that, after reading this report, you’ll be able to develop an effective plan with an estate planner quickly and efficiently… while reducing its cost to you.

The estate planning advice you get as a Retirement Watch member is based on my research and real-world experience, such as:

By joining Retirement Watch now, you’ll receive all of the above – and more – in each monthly issue, and in your free report The 20-Minute Estate Plan.

After reading this report, you’ll be able to sit down with an estate planner to intelligently and economically put together the right estate plan for you…

Especially when you combine it with the actionable advice found in the 5 reports I’ve told you about:

  1. Keep Your Nest-Egg Safe from the IRS Money Grab
  2. Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid
  3. 5 Easy Chair Portfolios to Fund Your Retirement Dreams
  4. How to Insure Your Way to a Rock Solid Retirement
  5. Your 20 Minute Estate Plan: Building a Lasting Legacy

So, how can you get your hands on my 5-volume Worry Free Retirement Library

By agreeing to a 30 day test-drive of my monthly advisory, Retirement Watch.

Retirement Watch Benefits

You won’t hear many of my recommendations anywhere else… Not from mass market retirement books and magazine articles, not from your employer’s retirement seminars, and not from the talking heads.

That’s because retirement financial strategies are my passion. I enjoy studying the facts and teaching others the strategies I develop. I like examining the whole retirement financial picture.

I especially like being your independent financial advisor. I don’t get compensated by selling you investments, and am not associated with a financial services firm selling its own line of products. In fact, I look for ideas that carry the lowest sales costs possible.

But those are just a couple of reasons why you should try my Retirement Watch advisory service.

There’s so much more you’ll get as a member, including these exclusive benefits:

1. You’ll Be Confident and Secure in the Soundness of Your Plan.

The bottom line at Retirement Watch is letting you confidently make decisions and plans about your financial future. You’ll know that the advice you read in each monthly issue is based on my independent, thorough research. I don’t have a hidden agenda.

You can read my advice with confidence. Confidence that I have researched the topic as thoroughly as I can, and confidence that I am giving you the same advice I would give to a close friend or family member.

That means you’ll own investments that let you sleep at night, and you’ll know exactly why each investment is in your portfolio and what it can do for you.

2. You Will Pay Lower Taxes, Perhaps Dramatically Lower.

Make no mistake: older Americans are a target for the taxman.

You have to plan and be vigilant to ensure that you don’t sneak into a marginal tax bracket of 70% or higher.

Retirement Watch readers know that they’ll learn the latest and best tax reduction strategies. They also know that they’ll be warned of tax traps and tax strategies that don’t work.

The tax law changes frequently and quickly. You need a source you can rely on to bring the latest changes and strategies to you.

3. Your Financial Life Will Be Much Simpler.

Your investments and every other aspect of your financial life will be greatly simplified.

I don’t throw out dozens of investment ideas and let the reader decide how to organize them. I put together portfolios of recommendations that people can actually follow.

Whether working on your estate plan, taxes, investments or other aspect of your finances, you’ll be able to cut through the babble, jargon, and numerous options in the financial marketplace to ideas and strategies that will work for you.

And you’ll have time for the things you really want to do in retirement.

4. You’ll Slash Costs on All Your Financial Services.

One of my goals is to help increase your wealth — steadily and safely. It is a whole lot easier to meet that goal if part of your money is not going to high commissions or other expenses.

I look for great financial ideas that have very low cost. That’s why you’ll save money — on your investments, insurance, taxes, estate planning, and more. You’ll increase your wealth even if you don’t change a single investment.

Most of my subscribers save far more than the cost of a subscription on the first few money-saving ideas they get from their monthly issues.

5. Your Estate Will Go Where You Intended.

My readers know that their hard-earned wealth will produce the legacy they want. They will provide for their spouses, children and grandchildren as intended. They’ll benefit the charities of their choice. And their businesses will continue instead of being sold for taxes.

The myths, mistakes, and oversights that plague most estate plans don’t trap my readers. They rest assured that the IRS will get the minimum possible from their estate, and that the rest will be passed on to their loved ones.

6. You’ll Know How to Respond to Changes.

Every aspect of retirement will change regularly. Investments, taxes, estate planning, health care, insurance — all these areas are in the midst of revolutionary changes that will continue.

You can be sure that I’ll be studying these changes, even anticipating them. Then I will bring you strategies and suggestions for improving your retirement plan and helping you to create the retirement you desire.

I’ve brought my members word on all the changes to date, and I’ve kept them ahead of the curve. The record is clear, and we’ll keep building on it.

What You Don’t Know About Retirement
Can Hurt You

There’s an old saying, “Failure to plan is planning to fail.” That is especially true regarding retirement planning.

There are good ways and bad ways to estimate the amount of money you’ll need for retirement. But a new study reveals that using any of these methods, even a bad one, is better than not doing an estimate at all.

That’s because those who make some attempt at planning end up accumulating about four times as much money than those who don’t plan at all.

They are also more confident and satisfied in retirement. In a word, those who plan have more successful retirements than those who don’t make some kind of plan.

Planning a successful retirement isn’t that difficult… if you have the right information. And that’s what I’ll provide you each month in Retirement Watch and in-between issues on the members’ website.

Each month I’ll bring you my latest research and insights on a range of retirement issues. I cover topics I haven’t even touched on in this report.

How many advisers come to you each month and…

Most other advisors cannot do the amount of research I do. They are meeting with clients, searching for new clients, and managing their offices — all while trying to work for their current clients.

That’s what makes my monthly service so valuable, even if you already use one or more financial advisors. I bring you fresh ideas each month. When you believe one looks good for your situation, show it to your advisors and discuss how to use it.

I’m confident you won’t find another resource that does the kind of research I do, brings you the unique insights and strategies you’ll find in each monthly issue, and covers the range of retirement financial issues you’ll find in Retirement Watch.

Today, I want you to join our family of Retirement Watch members.

A 1-year membership normally costs $249. As a special introductory offer, you can sign up at an 80% discount to get a full year for just $49. That’s about 13 cents a day for the best, most up-to-date retirement advice available.

You’ll also receive my entire 5-volume Worry-Free Retirement Library, including:

  1. Keep Your Nest-Egg Safe from the IRS Money Grab: Discover today’s most effective strategies and solutions for maximizing wealth, keeping more of it for yourself, and out of Uncle Sam’s greedy mitts.
  2. Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid: Here’s the best way to take advantage of what could be your biggest financial asset: your home. Put its power to work for you today with the information in this report.
  3. 5 Easy Chair Portfolios to Fund Your Retirement Dreams: Learn how to set up your investment portfolio to earn safe, solid returns with a margin of safety. You’ll be able to sit back, relax, and watch profits roll in with these portfolios.
  4. How to Insure Your Way to a Rock Solid Retirement: Protect your wealth and your family’s financial future from the staggering medical costs facing retirees with these cost-effective strategies.
  5. Your 20 Minute Estate Plan: Building a Lasting Legacy: In this report, you’ll find estate planning recommendations based on research and real-world experience – including how to avoid common (and expensive) planning mistakes.

As I said, you’ll get this entire library absolutely free of charge.

As valuable as my 1-year offer is, there’s an even better deal: a 2-year subscription. Two years of Retirement Watch usually goes for $498. 

But, with this offer, you can get a full 24 issues of my monthly advisory service for just $85. That’s 82% off of what we normally charge.

Whether you join Retirement Watch for 1 or 2 years, you’ll learn how to estimate your retirement needs, plan your estate, cut taxes, find the right health care package, and so much more.

Look, I’ve been at this a long time, and I know I can deliver.

That’s why I’m happy to offer this 100% money-back guarantee to you for joining Retirement Watch.

100% Money-Back Guarantee

Sign up for either a 1-year or 2-year Retirement Watch membership and you’ll get the first 30 days to decide if it’s for you. If you’re dissatisfied for any reason during that time, let us know and we’ll refund every penny you’ve paid, 100%.

Even if you do cancel, you can keep all the issues and materials you received during your test-drive, including my 5-volume Worry-Free Retirement Library, FREE and with my compliments. With this guarantee, you risk nothing.

So make this your first money-saving, wealth-building step on the road to the retirement you desire.

Sign up for Retirement Watch by clicking the button below…

And I’ll see that you’re sent my complete 5-volume Worry-Free Retirement Library along with all the other benefits of membership.

Yours for a better retirement,
Bob Carlson
Robert “Bob” Carlson
Editor, Retirement Watch

P.S. Your best deal is to sign up for two years. You’ll save 82% off the regular price and receive all 5 volumes of my Worry-Free Retirement Library. This is such a good offer that more than half our new members take advantage of it. And remember, the Library is yours to keep, FREE, even if you cancel and get 100% of your money back.