[blonde]

The entire 'ratio' thingie is lagging many many years...IOW, it is passe...Real-Passe.

FWF has discussed...fought...analyzed...provided anything and everything for any and every case available...to get at the 'rite' answer... SWR is the 'Best' for this day and age. KISS is the name of the 'Game'.

Everybody's in Sales.

Check the threads at FWF re: SWR...and further indepth analysis are on the gummy site.

Why dicker or tinker with 'Success'?

 

[blonde]

Steve, your post sounds like you know what you are talking about...How did THAT come about?

The aim for the retirement planning process is to make so much money... and save so much money prior to retirement that it is impossible to spend it all in the 'golden-years'. There ain't no free-ride in this day and age...and it will get better as we move forward.

Never ever Trust a third party to provide a retirement plan in the best interest of the retiree. Everybody must Look After #1. Retirees are not exempt from the natural forces. How much Money is in the hands of the baby boomers? Is there an Opportunity? Yep, It is ALL about Money.

Some of us are well aware how the Vulture-Systems are designed for the financial guru UCSers peddling their magic formulas, news-letters, books, secrets, oujia boards, recycled secrets, just to list a few...

Deja vue...same ole stuff...some things do not change...