Today, maximizing wealth and creating financial independence requires a little art, a little science, but above all common sense. To be successful, you must use a variety of skills in planning the outcome, implementing the plan, and controlling the desired results. Coordinating these three phases is an ongoing and evolving process. Many of the barriers we face today are caused by uncoordinated, non-multiplier, opinion-laden plans. This in turn leads to confusion and an uncontrolled situation. Let's face it; Most planning done today by professional planners follows an uncoordinated and unintegrated path. The evidence that it doesn't work is evident in the repeat of the market losses of 2002 and 2003 in 2008. Following this schedule, however, creates enormous wealth (unfortunately, especially for financial institutions and the government). Since many of these same institutions make insane profits, it becomes difficult to get to the truth. Even after receiving government bailouts, many banks still paid billions in bonuses, and at least 5,000 individuals received a million (WSJ 7-31-09). The time has come to level the playing field and recapture much of this lost wealth for our use. Listening to today's financial experts would lead us to believe that to increase wealth you need to take risks. Since most people are risk averse, they use diversification, asset allocation, and computer modeling as a way to reduce risk. However, this couldn't be further from the truth and this lie has confused many people. Fact: It is absolutely possible to reduce risk and taxes while creating more wealth and still maintain control. It's not difficult to do. Much of the information is available today. Yet… middle of paper… (tax efficient) transfer of our assets to our families. Minimizing taxes and applying the money multiplier (maximizing benefits while allowing flexibility) must become our new concerns. It is ironic that the great benefit of reduced taxes, increased wealth and flexibility is available to all of us. With minimal effort and often at no cost, we can accomplish great things. So why is it so difficult? It has to be like this. There are very powerful forces that make a lot of money by keeping things as they are (the status quo). Those who want to see the truth have the opportunity to greatly improve their situation and create a legacy. It is with great anticipation that I wrote this book. It will allow you to choose another path, which will lead to financial security for generations to come. You can achieve true tranquility. Thank you,