More than 10,000 Americans are retiring everyday in the United States. Many have not saved enough for retirement; and most of those who have been saving for decades to get to this milestone in life have their precious retirement savings in a spot where a crash in the financial markets could change their plans for a comfortable retirement. The lessons in this book come from the painful and personal story of the parents of Tom Jacobs. Tom's parents had just retired in 2007 after working hard and saving for more than forty years; with the majority of their retirement savings invested in the stock market. Within months of retirement, the crash of 2008 wiped out half of the value of their retirement savings; and seriously altered their plans for their "Golden Years". No trips. No travel. No spoiling the grandkids. Instead, survival was their new goal. In this book, you will discover how Tom Jacobs turned his parents' pain into his new purpose as he founded Jacobs Financial Services and designed retirement strategies that help his clients minimize risk and maximize their retirement income. You will discover the potential benefits of having a tax strategy and using insurance-based products to provide a guaranteed stream of income you will never out-live.