A round of golf consists of 18 holes. Life is like a around of golf; on the Front 9 you work, pay F.I.C.A. and taxes, save money and invest for retirement. On the Back 9 you might decide to fully retire and explore new horizons, or just slow down (Phased Retirement). You need to create a lifetime stream of income for this UNKNOWN period of retirement. In general, people are living longer and not knowing if we will live into our 80s, 90s, or beyond puts the burden upon us to accept Personal Responsibility and plan the best we can for ALL the Uncertainties of Life!

Planning for the Back 9 of life is an ongoing process, not a one-time decision. It requires you to understand and explore the best way to Maximize your Social Security Benefits. In golf, good caddies understand and anticipate likely hazards and help



In 2013 we conducted over 100 public workshops for a variety of firms, and civic organizations. Also, conducted a number of cpe workshops for CPA’s.


One of our primary goals is identifying the options to best maximize one’s Social Security Benefits. We do this with our Personalized Social Security Analysis reports.




Dave Zander
Lead Speaker