=The best guarantee for the future is having money =Financial advisors can't predict the future =Make a plan for the future or the government will I have been in the financial services business for over 25 years. I have seen many investors succeed in their retirement years. I have seen a lot of people crash and burn in their "golden" years. Believe me, you want to be among the investors who succeed. The best way to protect your family's future is to have assets. Pure and simple. When you have assets, your money compounds at higher rates because your account fees are 0.01-0.05% not the retail rates of 1.5-3%. You don't have to settle for retail products that are structured to provide the firm with high revenues. The average investor earns 2.56%, not 10-12% market rates. (QAIB) When you have money, you can use all the legal means to avoid taxes. For instance, Warren Buffett, with $54 billions, pays only 17% total tax: http: //www.youtube.com/watch?v=Cu5B-2LoC4s; Mitt Romney only 14%; John Kerry only 13% and Apple just 9.8%. Buffett admits that his staff pays 32.9%-DOUBLE! Wealthy people are going to compound their money faster because they pay less in fees, commissions, charges and taxes. Their accounts will compound faster because they keep more of their money. They also take more income out of the economy. The top 1 percent's share of national income is over 23 percent. The average inflation-adjusted hourly wage declined by more than 7 percent from 1976 to 2007. "It is what you keep that counts.