Even good retirement plans can backfire if you do not carefully consider the effect of disability and lost earning power on retirement savings.
Red Zone Strategies
Near-retirees who are in Jim Otar's "crowded" Red Zone don't have a lot of options. "Their only choice is annuities," writes the Canadian author/advisor in the concluding chapter of...
Gray Zone Strategies
"If you are in the gray zone, be very leery about any strategy that does not involve some form of annuities," Otar writes.
Green Zone Strategies
In Chapter 42 of "Unveiling the Retirement Myth," Otar explains how to advise the "Green Zone" clients whose assets can easily finance their retirements.
Zone Therapy
"Everything you have read in this book so far guides you in one direction: ignore the popular wisdom and hype. Design your own 'personal' pension for your retirement." So...