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What I found extremely helpful was Tom's anecdotal examples when covering each topic followed by chapter summaries and focused 'Take Aways'. The book gave my wife and I great confidence that we have adequately looked at all aspects of our retirement financial and life plans. I can and would recommend Tom's book without hesitation to anyone looking to enjoy, understand and control their financial destiny in their retirement years. Profound thanks to Tom in a job well done!! --JOE CASSIDY, Delivery Project Executive, Retired Overall the book is a great introduction to investing philosophy and can help future retirees avoid many of the common pitfalls and minefields that lie ahead for them. --RON CASTLES, Software Scientist Chapter 12 is beautiful! Of course, I'm biased because of our client/advisor relationship, and the trusting of my retirement future to what I learned from you. I hope that readers see how very sincere you are, that you really do have their best interests at heart. This should cement the veracity of your commitment and make people confident with what you teach. WELL DONE! --GEORGE IVY, High Performance Computing Subject Matter Expert This book is very important for the retirement well-being of 55 and uppers! As the author explains so brilliantly, it is better to know where you stand financially than to hope you will have enough money to last through your retirement years. He provides many details as he explains the new rules of retirement. The explanations of his arguments are very clear, in Mr. Penland's designation as a Retirement Income Certified Professional, RICP(R) and his many years of experience doing retirement planning makes him a bona fide expert in the specialized field of financial planning for retirees. --LOWELL ROBERTS, Price/Cost Analyst for the Department of Defense

What I found extremely helpful was Tom's anecdotal examples when covering each topic followed by chapter summaries and focused 'Take Aways'. The book gave my wife and I great confidence that we have adequately looked at all aspects of our retirement financial and life plans. I can and would recommend Tom's book without hesitation to anyone looking to enjoy, understand and control their financial destiny in their retirement years. Profound thanks to Tom in a job well done!! --JOE CASSIDY, Delivery Project Executive, Retired Overall the book is a great introduction to investing philosophy and can help future retirees avoid many of the common pitfalls and minefields that lie ahead for them. --RON CASTLES, Software Scientist Chapter 12 is beautiful! Of course, I'm biased because of our client/advisor relationship, and the trusting of my retirement future to what I learned from you. I hope that readers see how very sincere you are, that you really do have their best interests at heart. This should cement the veracity of your commitment and make people confident with what you teach. WELL DONE! --GEORGE IVY, High Performance Computing Subject Matter Expert This book is very important for the retirement well-being of 55 and uppers! As the author explains so brilliantly, it is better to know where you stand financially than to hope you will have enough money to last through your retirement years. He provides many details as he explains the new rules of retirement. The explanations of his arguments are very clear, in Mr. Penland's designation as a Retirement Income Certified Professional, RICP(R) and his many years of experience doing retirement planning makes him a bona fide expert in the specialized field of financial planning for retirees. --LOWELL ROBERTS, Price/Cost Analyst for the Department of Defense

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