My core business is SMART Retirement planning primarily using annuities, insurance, and the reverse mortgage for my clients. SMART is an acronym for the Strategic Movement Around Retirement Taxation and it's goal is to limit your post-retirement taxation while increasing your spendable retirement income. Contact me for a free copy of the SMART Retirement book by my associate Matt Zagula published by ForbesBooks. In it you will learn:

-How to use tax arbitrage to dramatically increase your retirement income without risk.

- Ways to reduce the amount of money you give the IRS during retirement.

-How Warren Buffett continues to grow his wealth through an actuarial concept called float and how you can integrate a similar approach in your personal finances.

-And much, much more!

If you are ready to get SMART about your retirement by integrating these techniques into your financial plan and securing a better financial future for you and your loved ones, then contact me today and get a free copy of the SMART Retirement book by Matt Zagula published by ForbesBooks.

I started in the mortgage business right out of college and have been with the same firm the whole time. In 2007 as the real estate market tanked I realized that I had to differentiate myself from the other mortgage brokers if my business was to grow. So in 2008 I received my CA Life license to be able to create more value for my clients.