THE NO-COMPROMISE RETIREMENT PLAN • v
401(k)s. While writing the book, I couldn’t help but feel I had fallen victim to these pitfalls as well. When my friends and I discuss our retirement plans, none of us do so with affection. We’re glad we’ve saved enough money for a comfortable retirement, but almost all of us feel anxiety about the way we’ve saved. Was it smart to defer so much in taxes? Do I have enough to live well and leave a legacy? How am I going to keep these funds growing? What if I lose it all in a crash? The concerns go on and on. Those concerns gave rise to this book. In January of 2016, I decided I was finished compromising in my IRA. I decided I didn’t have to accept the limitations of my current strategies. Most importantly, I decided to quantify the compromises in my IRA — and what they were costing me and my wife as we approach retirement. While I used my actuarial expertise to identify the impact of these consequences, you don’t have to be an actuary to understand the results. If you’ve ever felt frustrated with your retirement strategy, this book is for you. I want to show you how I uncovered the ways my IRA was failing me . . . and what I did about it.
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