Robert C. Carlson, attorney, accountant and editor of Retirement Watch . . . author of The New Rules of Retirement . . . recognized retirement expert for the past 20 years . . . first to address all the financial issues of retirement . . . first to discuss how to safely withdraw your IRA money . . . and first to warn about the coming retirement tax bloodbath!

Dear Friend:

There's no doubt in my mind. The IRS is rubbing its hands in greedy glee. They've been waiting for this moment since 1974 . . . over 30 years since the first IRA was introduced.

It seemed like a great idea. Deposit tax-deductible money into an Individual Retirement Account . . . save for your future . . . and you wouldn't have to pay any taxes until you started withdrawals.

Even though Congress made you jump through hoops to contribute to your IRA-limiting the deductibility of what you put in based on income . . . threatening you with a 10% early-withdrawal penalty . . . and demanding you take distributions at a certain age-you saved anyway.

Congress approved even more tax-deferred savings plans, like the 401(k) in 1979-so you saved even more. Meanwhile, the IRS continued to wait patiently . . . knowing that one day it would be time for you to pay the piper.

Because NOW that you're retired or are on the brink of retirement. . .

Your tax-deferred paradise is now a FULLY-TAXABLE nightmare!

Just when you're ready to sit back and relax, the chickens have come home to roost. All of that valuable money of yours that's been growing tax-free and safe inside your retirement accounts for years is now in the crosshairs of the IRS.

Because now that retirement is here, the IRS knows it's time for YOU to start spending your largest retirement assets, including your IRA, 401(k), and other "tax-free" accounts. So what was once a tax-deferred paradise is now a FULLY-TAXABLE nightmare.

I'm Bob Carlson and for more than 20 years, I've been helping tens of thousands of people just like you keep MORE of their money out of the hands of the IRS.

What's more, I've shown them how to invest in safer, more profitable investments that double, even triple their hard-earned nest egg, while helping them make sense of the never-ending tax law and other changes affecting their retirement.

The Washington Post calls my advice "smart . . . savvy . . . sensible . . . valuable and imaginative."

My phone rings off the hook from the editors and reporters of The Wall Street Journal, CNN, CBS MarketWatch.com, SmartMoney.com, Reader's Digest, Barron's, AARP Bulletin, Money, Worth and many others quizzing me on the critical retirement issues facing us today-one of the BIGGEST of which is…

How well can you afford your retirement dreams with more
than one-third of your hard-earned money gone . . .
simply vanished into the leaking coffers of the U.S. Treasury?

Thanks to the power of compounding, it's likely the assets in your tax-deferred retirement accounts have grown a great deal-especially if you've been saving and investing for a while.

Take a moment to total up your IRAs, 401(k)s, CDs and other savings. Plus don't forget all that equity in your house, thanks to the red-hot real estate market over the past few years. It's possible you're sitting on at least a few hundred thousand dollars…a half-million or million-dollar portfolio…or even more.

But while the IRS has left you alone to grow your retirement nest egg, they're now chomping at the bit to finally soak you with the taxes they think you've gotten away with all these years.

Because, my friend, the deal you've made with the "devil" is this: your money can appreciate tax-deferred for years and years in your retirement accounts . . . but once you start withdrawing it, all those capital gains are taxed as ordinary income.

And for the wealthiest generation in history, your retirement savings could be taxed at an income rate as high as 35%! That's right…more than one-third of your money could be legally grabbed by the IRS. Yet the current capital gains tax rate is only 15%. It's outrageous!

You and I both know that in retirement, it's all about how much of your hard-earned retirement savings you can keep and protect from the greedy IRS and salivating politicians.

That's why I want to give you my very best solutions, secrets and strategies for keeping your nest egg safe from unnecessary taxes and enjoying a richer, happier retirement. They're all here in my seven-volume, Worry-Free Retirement Library.

In a moment, I'll tell you how you can get your complete library absolutely FREE . . . with NO risk or obligation on your part. It's my way of introducing you to the kind of no-nonsense, plain-talking, unbiased advice tens of thousands of my Retirement Watch readers have used to make their retirement far wealthier and more secure, with minimal hassle or risk.

I can't think of a more important time to get this urgent, tax-saving, retirement planning advice into your hands. That's because not only is the government planning on grabbing one-third or more of your retirement accounts in taxes…and taking up to 45 percent of ALL your assets in death taxes…

Congress is already talking about MORE new ways to tax retirement assets!

The government is already starting to realize how lucrative it is to not only fleece your nest egg, but also the nest eggs of 77 million boomers set to release an astounding trillion dollars a year in retirement savings in the coming decade. So it's no surprise that Congress is working overtime to come up with MORE new ways to get their hands on your money.

There's already talk of higher tax rates for ordinary income, capital gains-or both, in light of the ballooning federal deficits and the rampant spending in Washington. Plus with Social Security and Medicare starting to crumble under the weight of more and more retirees, the retirement age has increased, benefits have been cut and rumors of "means-testing" for these benefits you've paid for in advance are getting louder and louder.

As a retiree with a nest egg, it's as if you have a giant bull's eye on your back. And the money you've worked hard to save-and are depending on to last your entire lifetime-is the government's target. That's why I'm urging you to take steps to protect yourself now!

But here's the problem. Unless you have the expertise in tax planning, estate planning, insurance, investments and other know-how at your disposal, you could unwittingly lose thousands, even hundreds of thousands of dollars of your retirement nest egg to the IRS.

Let's face it . . . just trying to keep up with your investments and the changes in the tax laws is difficult enough. Do you really have the precious time to add estate and tax planning and the complexities of insurance to your list of things to know for retirement? When will there be time for the fun and travel you're supposed to enjoy in your retirement?

Or worse . . . what if you make a mistake and years of your retirement income is lost to needless taxes and declining investments? You simply can't afford that.

Yet I've seen it happen to so many well-meaning folks who simply were unable to keep up with all the mind-numbing changes in the tax laws . . . the tricky nuances in estate planning . . . and the microscopic fine print of insurance policies and annuities.

How to make every penny you've saved "off limits" to the IRS

The good news is, there are plenty of savvy, easy-to-do and 100% legal strategies you can use to keep more of your money in your pocket where it belongs. You'll find them all in the FREE, seven-volume Worry-Free Retirement Library I've reserved in your name. Here are just a few:

• Easy way to shield your entire estate-even if it's in the millions-from the IRS. Just take advantage of this unexpected gift from Congress.
• How to transfer money now from your regular IRA with NO penalties-even if you're under 59½…then pay NO taxes on future capital gains later in retirement. It's like having your cake and eating it, too!
• Neat trick to reduce taxes on your long-term gains by 57%. Just make this one simple change to your investment strategy.
• Simple, money-saving secret insurance agents don't want you to know. Could save you hundreds of dollars in life insurance premiums each year. And the older your current policy is, the bigger your savings could be!
• Slash your Medigap insurance premiums in half by asking your insurer this one question.
• Get a $100,000 windfall without forking over a single dollar. Little-known mortgage option pays you big bucks-and it costs you nothing!

All these answers and more are in your FREE, seven-volume Worry-Free Retirement Library. And you don't have to be an expert to make these strategies work for you. You just need this easy-to-follow advice to make the best money decisions and show you what to do.

Can you imagine how much richer and more enjoyable your retirement would be if you could keep the money that's rightfully yours? You could travel to places you've only dreamed about. Help send the grandkids to college. Volunteer at the local soup kitchen. Start a new business or hobby doing something you love. Give more to charity.

Whatever it is you'd like to do, the first step you should take is to send for your FREE Worry-Free Retirement Library today. The complete set can be yours with my compliments when you request your No-Risk trial membership in Retirement Watch.

The most powerful tax-saving, retirement planning secrets-
for the informed retiree only

Now you can have access to the type of sensible, honest retirement advice you need to help you enjoy a worry-free retirement and provide a lifetime of rich, steady income.

My monthly advisory, Retirement Watch, was the first of its kind to deal with more than just investing for retirement. In fact, it's the oldest retirement financial advisory written for people over 50 years old facing the immediate challenges of retiring. Since 1991, I've researched and written all of the articles in each issue myself.

What's more, I understand how much you're depending on your nest egg to see you safely and richly through the next phase of your life. So am I. I'm not going to risk my financial future with uninformed and potentially dangerous decisions, and I'm certainly not going to risk yours, either.

I also know first-hand how difficult it is to manage money in a frantically-changing world. I've been on the board of not one, but two public pension plans with more than $44 billion dollars in joint total assets.

As Chairman of the Board of the Trustees of Fairfax County, Virginia's public retirement system, I've overseen growth in asset value from about $600 million to over $2.4 billion since joining the board in 1992. That's a tremendous 300% increase in 14 years!

But choosing the best and safest investment to multiply your portfolio is only part of what I cover each month in Retirement Watch. Because even if you hit retirement with a good-sized portfolio of cash, home equity, and tax-deferred savings, your next challenge is…

How do you turn your life savings into a lifetime of cash-

without the IRS stealing you blind in the process?

I've NEVER seen this real-life concern on the front cover of any newspaper or magazine! But you'll read about it here right now.

And that concern is this. Whether you're a few years from retirement-or already living in retirement-you must know how to turn your life savings into a lifetime of cash. . . or risk running out of money in later years.

The first step to doing so successfully is to determine if your nest egg will be able to withstand 30 years of the IRS breathing down your neck every time you liquidate assets!

That's right…as I mentioned earlier, every time you transfer retirement assets into retirement income, you risk having the IRS grab more than one-third for itself in taxes.

So how do you avoid losing a small fortune every time you take an IRA withdrawal?

Let's face it . . . most of us have no idea how to turn our nest eggs into income. A recent survey by Fidelity Investments showed that 51% of retirees don't know which assets in which accounts to draw out first. Should you use up your taxable income first-like CDs or stocks you hold outside tax-deferred accounts? Or do you begin raiding your IRA or 401(k)? Or should you convert your IRA to a Roth IRA before tax rates climb any higher?

Make the wrong choices and it'll cost you dearly. If you withdraw your retirement assets from the wrong accounts in the wrong order, the IRS can lower the tax boom, and end up tens-if not hundreds of thousands of dollars poorer.

The #1 retirement myth that could cost you your shirt

It's easy to get caught in the crosshairs of the IRS, especially since so many Americans have relied on the 'old' rules and myths of retirement. And one of the most dangerous myths is that your income tax rates will decline in retirement.

But the truth, for many retirees, income tax rates stay the same or even go UP after retirement. In fact, retirees often face the highest marginal tax rate in America: 35%! And in some cases, your marginal tax rate can even exceed 35%.

It makes you wonder why so many of us remain stuck on the notion that it's better to defer taxes for as long as possible. It's a mantra no doubt you've heard many times before.

But if you think spending your taxable accounts first-followed by your tax-deferred accounts-would be better, think again. That may not be the case depending on how the tax rates change over the coming years.

Then there's the question of whether you should take money first from your IRA or your 401(k)…or if it's best to clear out your deductible IRAs before your non-deductible IRAs.

It's enough to make your head spin! What's worse, one mistake can lead to a pretty hefty tax bill. But here's where I can help.

You see, for many folks, paying taxes now may result in bigger tax savings later. Let me explain…

The 2003 tax law reduced the tax rates on dividends and long-term capital gains to 15%, the lowest rates on those types of income in decades. And right now, the top individual tax rate is 35%.

This makes for one of the largest gaps ever between the top individual rate and the rate on tax-favored dividends and long-term gains. That's why it can actually cost you a lot more when you wait to pay taxes…since you end up paying the higher rate once you convert your capital gains and dividends into what the IRS deems "ordinary" income.

How to keep your money safe from the IRS money grab

I'll explain more about how to decide the best strategy for you, along with other steps you can take to guard your assets against excessive taxes. All the details are in your first volume of your FREE Worry-Free Retirement Library. It's called Keeping your Nest Egg Safe from the IRS Money Grab.

In this tax-saving FREE volume, I'll reveal which retirement accounts you should spend first, so you can protect the bulk of your nest egg from the IRS while living well off your distributions. Following this order could easily set you up with a rich income for life.

But that's not all. I'll also reveal…

• the best annuities to consider for a steady stream of inflation-protected income
• the best time to convert an IRA to a Roth IRA for truly tax-free income when you need it most
• the best way to get $100,000 in tax-free money and still receive 100% of your Social Security benefits
• the best IRA strategy that keeps you rolling in dough and paying the least amount of taxes over your lifetime
• and much more!

All the details are in your FREE Volume #1, Keeping your Nest Egg Safe from the IRS Money Grab.

Now let's take a look at another prominent asset in your retirement savings mix that if you don't handle just right, could lead to a huge tax bill from Uncle Sam.

The nasty tax surprise that's waiting when you cash in on your house

Perhaps you never thought that you would end up paying more in capital gains tax when selling your house than you actually paid for it in the first place. But that's the nasty tax surprise happening to many retirees.

Many older homeowners who bought their homes in the 60's, 70's, even 80's could face this huge tax problem that just a few years ago was considered unthinkable. Yet it's happening all over the country. People are selling their homes now for far more money than they ever imagined.

And their gains often exceed the current tax-free exception limit under federal tax law. Appreciation has been so strong that even homeowners with fairly modest incomes and homes could reap gains of more than $500,000-beyond the current tax-free limit for married couples.

Let's say you originally paid $150,000 for your home-and can sell it today for $850,000. You could be looking at a gain of $700,000.

If you're married and able to shelter $500,000 from taxes, you'd wind up paying 15% capital gains taxes on the remaining $200,000-that's $30,000! And if you're single, you're only able to shelter $250,000 of that gain…so you'd owe the IRS a whopping $67,500!

"Forbidden" yet 100% legal strategies to pay ZERO capital gains taxes

As you can see, if you're counting on your home equity to help provide for your retirement, you could end up losing a large chunk of it to capital gains taxes if you're not careful.

But here's what's worse . . . the current capital gains tax rate is set to expire in 2008 (just two short years away!) and there's no telling how high Congress may set the new tax rate. It could soar even higher if they're looking to cash in on the hot real estate market as well . . . and overtax the hard-earned equity in your house!

You'll be pleased to learn that taxpayers sitting on lots of home equity who don't want to pay hefty capital gains taxes have a few options. You'll find them all in the second volume of your Worry-Free Retirement Library. It's called Gimme Shelter: Hidden Tax Bombs to Avoid, and in it I'll explain each tax-avoiding strategy step-by-step.

First off, I'll tell you about five cutting-edge-but not widely-known-strategies you can use to reduce or even eliminate the capital gains taxes you pay.

Plus, if the value of your home has soared, your property taxes have likely headed skyward as well-perhaps even higher than you can afford. But there is a way you can fight back. Surveys suggest that 50% or more of properties are over-assessed. If that's the case with your home, you can slash your real estate taxes by appealing your property tax assessment.

I'll tell you what you can do to get these annoying, bank account-draining taxes lowered. You won't have to spend hours of time, nor will you have to hire a lawyer. In fact, you'll be shocked to discover just how easy it can be.

You'll find these strategies and more in your FREE Volume #2, Gimme Shelter: Hidden Tax Bombs to Avoid, available to you now with your risk-free trial subscription to Retirement Watch.

Paying the least amount of taxes possible on your hard-earned retirement savings-whether it's shielding your income from the IRS money grab…paying little or NO capital gains when you sell your home…or cutting your property tax bill to the bone-can be a huge challenge. But any effort you make to protect your nest egg can pay you handsome rewards.

The strategies you'll discover in your Worry-Free Retirement Library and in your monthly issues of Retirement Watch will help you fend off the IRS's tax boom and keep MORE of what's legally yours. But there's another threat to your retirement wealth and security that could prove even more devastating if you don't make the right moves now…

The big healthcare shock…and why you could be out $200,000 or more!

It's safe to say that medical expenses are the largest underestimated cost in retirement. Yet it's the one expense that often hits retirees the hardest. In fact, medical expenses are the leading cause of bankruptcy, especially among retirees.

And no wonder. The estimated medical costs for the average retiree are staggering. According to the Employee Benefit Research Institute, a 65-year-old couple retiring today could pay close to $200,000 for medical expenses over the next 15 to 20 years. That includes approximately $60,000 to cover Medicare premiums, another $63,000 to buy prescription drugs, and about $70,000 in other expenses, including eyeglasses, hearing aids, routine doctor visits, preventive tests, deductibles, and co-payments.

What's more, if you're lucky enough to live to age 90, your costs could rise to a whopping $300,000 in order to pay your insurance premiums (including Medicare) as well as your out-of-pocket expenses.

Believe it or not, those estimated expenses don't include any sort of catastrophic planning for sudden illness or accidents. Nor do they include the high cost of nursing homes or other long term care.

I don't know about you but most people don't have that kind of money tucked away solely for medical expenses. What's worse, many pre-retirees and retirees mistakenly believe Medicare will cover the full tab.

The truth about Medicare and the new 'Part D' drug coverage

You see, Medicare is largely a hospitalization plan. It does not cover most routine and preventive care and actually covers only about half of a retiree's unexpected medical expenses. Even with the new Medicare Part D prescription drug coverage-which you need to buy from an approved insurer-you still have to pay for deductibles, co-payments, and premiums.

If you're still working and hoping your employer will help out, that's just not going to happen. Only one in 20 companies still offers any retirement medical benefits. Of those that still do, they're reducing or eliminating those benefits due to rising costs. So if you do have retirement medical benefits now, they could be drastically different 5 or 10 years from now.

In volume #3 of your Worry-Free Retirement Library-called How to Insure Your Way to a Rock-Solid Retirement-I'll show you how to shield your wealth against the staggering medical costs you may face over the next 30 years. This information is more critical than ever, especially when Medicare premiums and out-of-pocket costs are skyrocketing.

Plus I'll also tell you how to solve another health expense worry for many retirees: long term care. People often think Long-Term Care Insurance will protect them from the bulk of these shockingly high medical expenses.

But this is the one area you can really get bilked by insurers if you're not careful.

It's easy to understand why. The product is complicated, and costly mistakes are easy to make when buying it. Let me explain…

How to avoid costly mistakes with long-term care insurance

Long-term care insurance is used to cover your costs in a nursing home. Usually it's protection you won't need for 20 to 30 years after you buy it-if at all. This uncertainty is enough to keep many people from buying this coverage.

On the other hand, nursing home costs are enormous. The average annual stay in a nursing home costs range from $70,000 to $120,000 or more a year depending where you live. And that's what it costs right now…not 20 years from now!

In fact, long-term care expenses, especially nursing home expenses, are increasing much faster than inflation . . . at a 7% annual increase in costs.

That's why, if you do buy a Long Term Care policy, you need to make sure that it has this kind of built-in protection. Plus I'll also show you how to find long-term care coverage for up to 40% less than you might pay otherwise that fully protects your nest egg from this huge potential cost.

All the details are in your FREE Volume, How to Insure Your Way to a Rock Solid Retirement. Turn to page xx now to request yours now, along with the complete seven-volume Worry-Free Retirement Library.

Think how much more confidently you can face the future with this kind of expert advice in your back pocket. No more costly mistakes that rob you of years of hard-earned retirement savings. No more sleepless nights worrying if you've made the best, informed decisions to ensure your money lasts a lifetime. That's why you'll want to act NOW and…

Get all 7 volumes of my Worry-free Retirement Library absolutely FREE
with your No-Risk Trial subscription to Retirement Watch

You've probably discovered that it's easy, even overwhelming, to find advice everywhere you turn about investing and saving for retirement, but so difficult to find accurate advice on investing and spending your nest egg after you retire!

I've found that true as well. But as an attorney and accountant, I have access to information my readers can't find in most magazines, newspapers, financial newsletters, or online.

You can do all that of course . . . if you want to. Or you can take the guesswork out of your retirement and grab control of your future.

Simply request a No-Risk Trial membership in Retirement Watch. Not only will I rush you up to seven in-depth volumes of my brand new Worry-Free Retirement Library, I'll keep you updated on the constantly-changing retirement issues you face in your monthly issues of Retirement Watch, including…

• all the changing tax laws
• the impact of Social Security and Medicare
• the best insurance policies to protect your health and wealth
• how to safely move your assets out of your IRAs without being bilked by the IRS
• the most advantageous estate planning strategies to insulate your wealth against the government's obscene death taxes
• the safest, easiest investments to entrust your retirement nest egg and to ensure your savings last a lifetime
• and whatever you need to know to make your best retirement decisions.

I admit it. I'm a bit of a retirement geek . . . and I love the topic. But it's my job-not yours. What's more, I don't take any ads like magazines, newspapers and most websites do, so I'm not beholden to anyone. The only person to whom I'm beholden is YOU.

And unlike most financial and estate planners, I don't have a hidden agenda. I'm not hustling for fees and commissions from the investments I recommend. My advice is unbiased and the unvarnished truth.

Still not sure if a risk-free trial subscription to Retirement Watch and my FREE, comprehensive, seven-volume Worry-Free Retirement Library is for you? Well here are . . .

Seven reasons why Retirement Watch can help you enjoy the rich, worry-free retirement of your dreams

REASON #1: You'll get easy-to-understand, step-by-step guidance that helps you make smart, knowledgeable decisions.
I clarify all the information that's relevant to your situation. What you find confusing, I'll make clear to you. I'll help you remove the frustrating obstacles from your path, so you can not only retire richer than you ever thought possible, but keep you living richly for the rest of your life.

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Why Retirement Watch Will Help Keep You
Rolling in Money for the Rest of Your Life

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FREE SPECIAL REPORT #5 (Two-Year Subscribers Only):
Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid
For many pre-retirees and retirees, the equity in their homes is often one of their largest retirement assets. You'll be pleased to learn that retirees who've built up significant equity in their homes have a few options to avoid paying hefty capital gains taxes. I reveal these "forbidden" yet 100% legal strategies. I also tell you how to slash taxes on your second or vacation home, reduce bloated local property taxes, and more.

FREE Special REPORT #6 (Two-Year Subscribers Only):
How to Insure Your Way to a Rock-Solid Retirement
What sort of insurance do you need to carry you through your retirement years? Are you paying too much for insurance? Do you own too little-or in many cases, too much insurance? I'll tell you how to calculate life insurance needs, shield your wealth against staggering medical costs, protect your assets from disaster, avoid traps in long-term care policies, choose Medicare supplemental insurance, and more.

FREE SPECIAL REPORT #7 (Two-Year Subscribers Only):
How to Inflation-Proof Your Nest Egg with ETFs
ETFs are like mutual funds but with some key differences. You don't have to wait until the end of the day to trade them; they trade on the open market like stocks. They invest in stocks and bonds, but they also invest in a range of other investments not available through mutual funds. ETFs also can reduce your taxes. ETFs are a good way to bet on falling markets, hedge against market risks, implement trading strategies, and more. You will learn the ins and outs of ETFs in this report.

If you want to live retirement on your terms - with plenty of money and no worries of running out of cash, then I urge you to send for your No-risk Trial Membership in Retirement Watch.

I'm so confident you'll decide you never want to be without Retirement Watch again that you can try it risk-free for 90 days. If you're not convinced this monthly advisory can guide you to your dream retirement, then cancel before you receive your fourth issue. I'll refund every penny!

Now is the time to put your worries aside and enjoy the years ahead knowing your retirement is secure. With Retirement Watch at your side-plus your 8 FREE Special Reports I want to send you-you'll be free to live a better life now and in the future.

Please let me hear from you soon. Simply call our helpful representatives toll free at 1-800-552-1152 today.

Now is the time to put your worries aside and enjoy the years ahead knowing your retirement is secure.

Yes Bob. I want to make sure my nest egg lasts the rest of my life and enjoy a richer, worry-free retirement.

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