Randall A Luebke RFC, IAR, RMA Principal Lifetime Paradigm, Inc. I fix broken retirement plans, and, I make unbroken plans even better. Either way, broken or not, I can help. I help my clients by showing them how to make better, smarter, safer choices and financial decisions about their retirement so that can live less stressful and more fulfilling lives. I am in independent financial advisor and principal and founder of Lifetime Paradigm, Inc., an intellectual property company that specializes in providing self-directed pension, 401(k) profit sharing plans and 401(h) tax-free health benefit plans for doctors, as well as retirement income planning, asset protection and estate preservation for individuals. Every day, my job, is to help my clients to and through their retirement in a better, smarter and safer way. More specifically, I am a Registered Mortgage Advisor, a Registered Financial Consultant, a life insurance agent, a real estate broker, a mortgage broker, a stock broker and an educator. I have been in the financial services industry for over 25 years. During that time I have funded more than $1 billion in home loans, helped scores of people with their retirement plans, and trained 100's of other financial planners, CPA's, attorneys, Realtors, insurance agents and mortgage professionals, from all over the country, teaching them how to be better stewards of their clients' money. What all this personal experience and training and teaching have allowed me to do it to develop a number of unique and proprietary systems to help my clients achieve all their financial goals, in a better, smarter, safer way, especially, if they own real estate. What I've found is that most people find that planning for their retirement is too complicated so avoid dealing with it altogether or, they seriously underestimate how much money they will need to fund their retirement for 20, 30 years or more, so they avoid dealing with it altogether or, they are so busy trying to keep up with today's problems or just living their lives that, guess what?... they avoid dealing with it altogether. Unfortunately, as a result of those choices and decisions what I find is that most retirement plans either don't exist or they are seriously broken. They need help. I can help. Specifically, I can help home owners and real estate investors. Why? Because if you own a home or other real estate it's likely to be your single biggest asset. Moreover, if you have a mortgage it's likely to be your single biggest liability. Doesn't is only make sense, that you should develop strategies to manage all of your assets and not just some of them? Wouldn't that be better? Doesn't it also make sense that we should develop strategies to manage your liabilities and to incorporate all of these strategies into one comprehensive financial plan? Would that be smarter? Finally, what if your assets could be protected from loss and, at your retirement, provide you with a guaranteed income that you could never outlive. Wouldn't that be a safer way to plan for YOUR retirement? This is what I do, each and every day, for each and every one of my clients, helping people to make better, smarter safer choices and financial decisions so that they can begin to live the life they dream of, a less stressful and a more fulfilling life.