1. RETIREMENT READINESS WILL YOU OUTLIVE YOUR RETIREMENT INCOME? IS THE STOCK MARKET RIGGED?

2. FINANCIAL READINESS INCLUDES: 1.Insurance 2.Estate Planning 3.Retirement Income

3. RETIREMENT INCOME COMES FROM 3 SOURCES 1.Social Security 2.Pensions, 401K, 403b, 457 and other employer based accounts 3.Gambling and Savings

4. GAMBLING Gambling is spending money today with the hope that a greater amount of money will be received in the future based upon events which you not control. Common forms of gambling 1.Lotteries 2.Casino Gambling 3.Horse Racing 4.Stocks, Bonds, and other financial instruments

5. COMMON FINANCIAL INSTRUMENTS 1.Stocks 2.Bonds 3.Commodities 4.Mutual Funds

6. STOCKS 1.Buy and Sell 2.Use Puts and Calls 3.Sell Short