Every investor deserves better than the status quo. For years Wall Street has convinced you that the only way to make money in the market is to use asset allocation models and utilize a buy and hold strategy. This results in taking way too much risk and consistently under-performing the S&P 500. There is no reason for any retail investor to be taking more risk for lower returns.The government has been running a multi-million dollar ad campaign for decades trying to convince you to defer all your income (401ks, IRAs, 403Bs, Etc). They desperately need to be a co-owner of your retirement accounts! Fortunately there are additional ways beyond tax deferred accounts to save for retirement that take less risk and result in tax free streams of income for the rest of your life.