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"Retire With Dignity On $310 a Month."

Don’t believe that headline.

It can’t be done.

Millions of Americans will be faced with the stark reality of working well into their “Golden Years."

I'm Dan Solin

I created this website for middle class Americans --those earning between $50,000 and $100,000 a year. You are the backbone of our economy.

Daniel Solin

Dan spent the past 20 years or so trying to keep investors from becoming victims of the securities industry.

He’s written eight investing books and has blogged on investing subjects for AOL, USNews, The Huffington Post and Advisor Perspectives. You can learn more him at danielsolin.com

If you are an average middle class working American earning between $50,000 - $100,000 per year, your prospects for retirement are bleak, at best.

Fact

A Wells Fargo survey found 37 percent of middle-class Americans said they’d never retire and plan to either work until their health fails or they die. Another 34 percent plan to work until they’re 80. Even those nearing retirement are woefully unprepared.

Fact

The average individual between 55 and 64 has only $104,000 in savings. Invested in an annuity, this nest egg would yield a monthly income of only $310.

The days of safely retiring on a pension are gone, and with the expansion of Defined Contribution plans like your employer-sponsored 401(k), the Government has transferred responsibility to you to plan for your retirement.

What’s happening to you is a national disgrace.

But what do you know about planning for retirement?

You lack investment discipline and expertise

Statistics show strong evidence that self-managed 401(k) grossly under-perform large market indices, like the S&P 500 and the Dow Jones. Most self-managed retirement portfolios are far too conservative and lack a buy and hold strategy. You probably don’t have enough assets to meet the minimums of high-priced investment professionals.

You misuse your retirement accounts

Aon Hewitt estimates more than 20% of 401(k) participants have an outstanding loan balance, and on average the loan balance makes up more than 20% of their 401(k) balance. It’s estimated that more than 5 million taxpayers take an early withdrawal from their 401(k), despite paying a 10% tax penalty on the amount withdrawn.

You have little appetite for risk

The Great Recession of 2008 has caused more people to pay close attention to the ups and downs of their retirement savings and, for some, has lead them to abandon the stock market entirely. Whether you are over-managing your retirement accounts, or stuffing your money in your mattress, you’re missing out on returns that could make or break your retirement.

What MAP Can Mean For You

MAP Your Retirement

How MAP Can Work For You

Here's What We're Going to Do To Help You

We’ll post information on this page geared to middle class Americans. Our advice will be based on sound evidence. It won’t cost you anything.

We are not brokers or insurance agents and don’t benefit if you follow our recommendations.

We have a plan that we believe permits those who follow it to secure their retirement, with minimal reliance on the stock market.
You can view the plan here or visit this page to request a PDF version of MAP.

Want more information?