In uncertain economic times, many seniors and their families are bound to face financial problems as illustrated by tsunamis. Financial tsunamis can sink your retirement plans and wash away your financial peace of mind. Jay Tyner, RFC(R) discusses 9 financial storms retirees could face over the next 10 years. With the help of a professional financial guide, you can quickly start "doubling the height of your sea walls" to protect your retirement from irrevocable damage"Remember, smart financial decisions impact the quality of your life." -Jack Keeter Semmax Financial Group, Inc. is a full service wealth management and retirement planning firm with offices located in Greensboro and Winston-Salem, North Carolina. The company was founded in 2003 with a commitment to serving the complex financial needs of retirees and aspiring retirees. Today, the company is comprised of three firms dedicated to addressing the unique and diversified financial needs of our clients; offering tailored integrated solutions to help them achieve the financial growth necessary for a prosperous 30+ years of retirement. - Semmax Financial Advisors, Inc. is the company's Registered Investment Advisory arm - strictly regulated and audited by the Securities and Exchange Commission (SEC) through the Financial Industry Regulatory Authority (FINRA). As such, our fee only advisory offers customized asset management solutions using a range of investment vehicles - stocks, bonds, mutual funds, REITS, ETFs - across a variety of investment disciplines, asset classes, and strategies, tailored to each client's risk tolerance and planning goals. - Semmax, Inc. specializes in providing the most competitive insurance solutions available. From life and long term care insurance, to a host of annuity products from the top-rated carriers in the industry, our risk management division implements insurance strategies customized to each individual's life circumstances. - Semmax Tax, Inc. was founded in 2004 as the third component of Semmax Financial Group and subsidiary of Triad Tax Advisory and Financial Services, Inc., to address the need for advantageous, integrated tax planning for clients by an Enrolled Agent, a federally-authorized tax practitioner, on staff. www.semmax.com

"Remember, smart financial decisions impact the quality of your life." -Jack Keeter Semmax Financial Group, Inc. is a full service wealth management and retirement planning firm with offices located in Greensboro and Winston-Salem, North Carolina. The company was founded in 2003 with a commitment to serving the complex financial needs of retirees and aspiring retirees. Today, the company is comprised of three firms dedicated to addressing the unique and diversified financial needs of our clients; offering tailored integrated solutions to help them achieve the financial growth necessary for a prosperous 30+ years of retirement. Semmax Financial Advisors, Inc. is the company's Registered Investment Advisory arm - strictly regulated and audited by the Securities and Exchange Commission (SEC) through the Financial Industry Regulatory Authority (FINRA). As such, our fee only advisory offers customized asset management solutions using a range of investment vehicles - stocks, bonds, mutual funds, REITS, ETFs - across a variety of investment disciplines, asset classes, and strategies, tailored to each client's risk tolerance and planning goals. Semmax, Inc. specializes in providing the most competitive insurance solutions available. From life and long term care insurance, to a host of annuity products from the top-rated carriers in the industry, our risk management division implements insurance strategies customized to each individual's life circumstances. Semmax Tax, Inc. was founded in 2004 as the third component of Semmax Financial Group and subsidiary of Triad Tax Advisory and Financial Services, Inc., to address the need for advantageous, integrated tax planning for clients by an Enrolled Agent, a federally-authorized tax practitioner, on staff. www.semmax.com

In uncertain economic times, many seniors and their families are bound to face financial problems as illustrated by tsunamis. Financial tsunamis can sink your retirement plans and wash away your financial peace of mind. Jay Tyner, RFC(r) discusses 9 financial storms retirees could face over the next 10 years. With the help of a professional financial guide, you can quickly start "doubling the height of your sea walls" to protect your retirement from irrevocable damage. "Remember Smart Financial Decisions Impact the Quality of Your Life" - Jack Keeter Semmax Financial Advisors, Inc. is the company's Registered Investment Advisory arm which offers customized asset management solutions using a range of investment vehicles - stocks, bonds, REITs, ETFs - across a variety of investment disciplines, asset classes, and strategies, tailored to each client's risk tolerance and planning goals. Our goal is asset management with the lowest cost, lowest risk and highest return that is suitable for our clients. Semmax, Inc. specializes in providing the most competitive insurance products and solutions available. From life and long-term care insurance, to a portfolio of income annuity accounts from top-rated carriers in the industry, our risk management division implements insurance strategies customized to each individual's life circumstances. Semmax Tax, Inc., founded in 2004 as the third component of Semmax Financial Group and subsidiary of Triad Tax Advisory and Financial Services, Inc., addresses the need for advantageous, integrated tax planning for client

In uncertain economic times, many seniors and their families are bound to face financial problems as illustrated by tsunamis. Financial tsunamis can sink your retirement plans and wash away your financial peace of mind. Jay Tyner, RFC(r) discusses 9 financial storms retirees could face over the next 10 years. With the help of a professional financial guide, you can quickly start "doubling the height of your sea walls" to protect your retirement from irrevocable damage"Remember, smart financial decisions impact the quality of your life." -Jack Keeter Semmax Financial Group, Inc. is a full service wealth management and retirement planning firm with offices located in Greensboro and Winston-Salem, North Carolina. The company was founded in 2003 with a commitment to serving the complex financial needs of retirees and aspiring retirees. Today, the company is comprised of three firms dedicated to addressing the unique and diversified financial needs of our clients; offering tailored integrated solutions to help them achieve the financial growth necessary for a prosperous 30+ years of retirement. * Semmax Financial Advisors, Inc. is the company's Registered Investment Advisory arm - strictly regulated and audited by the Securities and Exchange Commission (SEC) through the Financial Industry Regulatory Authority (FINRA). As such, our fee only advisory offers customized asset management solutions using a range of investment vehicles - stocks, bonds, mutual funds, REITS, ETFs - across a variety of investment disciplines, asset classes, and strategies, tailored to each client's risk tolerance and planning goals. * Semmax, Inc. specializes in providing the most competitive insurance solutions available. From life and long term care insurance, to a host of annuity products from the top-rated carriers in the industry, our risk management division implements insurance strategies customized to each individual's life circumstances. * Semmax Tax, Inc. was founded in 2004 as the third component of Semmax Financial Group and subsidiary of Triad Tax Advisory and Financial Services, Inc., to address the need for advantageous, integrated tax planning for clients by an Enrolled Agent, a federally-authorized tax practitioner, on staff. www.semmax.com

Keith Springer is the author of Facing Goliath: How to Triumph in the Dangerous Market Ahead, host of Smart Money with Keith Springer on News Radio KFBK, and a frequent contributor on CNBC, FOX, Fortune, The Wall Street Journal and many more. He is also President and founder of Springer Financial Advisors in Sacramento, CA, and has been providing professional investment and retirement advice for more than 31 years.Keith Springer began his career in 1985 at Merrill Lynch in his hometown of Boston, Massachusetts. In 1990, he tired of shoveling snow and moved to sunny California to study advanced portfolio management and investment management studies. In 1996, he became an independent Registered Investment Advisor and formed Springer Financial where he continues to serve as president today. Keith Springer lives in Sacramento with his son Josh, who is currently studying business and finance at Chico State University. Keith can be reached at 916-925-8900 or www.KeithSpringer.com.

Uniting the human and the financial. There's no such thing as a purely financial decision; the human element must also be considered. Financial visionaries Ross Marino and Susan Bradley unravel the retirement planning puzzle in a unique voice that empowers readers with the necessary skills to emerge as happier, more secure individuals. Shaping Change employs an easy-to-understand approach to help navigate life transitions. You'll learn to: - Become more comfortable, productive, and successful with your financial planning. - Future-proof your financial future with consumable, relatable content. - Implement training platform groundwork, which can turn financial advisors into financial transitionists. Shape your personal financial trajectory with real-world guidance from renowned financial transitionists. Don't be fearful of change. Welcome it as opportunity.