Get the retirement book and calculator suite that gives you real answers, not guesswork.
Download The Retirement Dilemma free and start planning your income, home, and protection decisions with confidence. Limited to first 250 downloads this month.
If you’ve ever wondered:
🔹When should I take Social Security?
🔹Is it safe to spend 4%, or should I spend less?
🔹Should I downsize, stay put, or tap my equity?
🔹Can I really afford long-term care if I need it?
You’re not alone — and there are tools that can help you find clear, personal answers.
The Retirement Dilemma was written to simplify the biggest decisions retirees face.
And it comes with something most books don’t: interactive calculators that let you model your exact situation in minutes.

A practical guide to the eight biggest decisions facing today’s retirees, this book helps you understand how to create steady income, make smart housing choices, and protect what you’ve built. It’s written in plain language with real examples and a calm, thoughtful approach to planning.

Each chapter includes access to interactive tools that let you model your own situation. From income withdrawal and Social Security timing to home equity and long-term care, these calculators bring clarity to complex choices and help you plan with confidence.

How much can I safely spend? Which account should I draw from first? When should I claim Social Security?
🔹 Basic Withdrawal Success Estimator
🔹 Advanced Withdrawal Scenario Tool
🔹 Sequence of Returns Calculator
🔹 Social Security Claiming Strategy
🔹 Roth Conversion Calculator
🔹 Buckets of Money and Equity Glide Path
Model your income, test market risks, and build a plan balancing growth and safety.

Should I stay or move? Is tapping my home equity safe? What role should housing play in my plan?
🔹 Simple Reverse Mortgage Calculator
🔹 Reverse Mortgage Equity Protector
🔹 Line of Credit Growth Calculator
🔹 Reverse for Purchase Calculator
🔹 Aging in Place vs. Selling Calculator
🔹 (And more home decision calculators)
See how your home can strengthen your plan while protecting comfort and cash flow.

What if I need care? What if the market drops? How do I protect my spouse and legacy?
🔹 Long-Term Care Cost Calculator
🔹 Investment Risk Analyzer
🔹 Sequence of Returns Calculator
🔹 Spousal Benefit Protection Insights
🔹 Equity Glide Path Visualizer
🔹 (And more planning calculators)
Plan for life’s what‑ifs and protect your investments, health, and peace of mind.

Unlock advisor-level calculators built for real retirement planning
Explore income, expense, and equity scenarios in minutes
Get clear, instant insights with zero sales pressure
Make smarter choices from the comfort of your home



"I had no idea how much uncertainty I was carrying until I saw the numbers. The book helped, but the calculators made it real. I could finally see how long my money would actually last."

"I always thought reverse mortgages were a scam. Then I ran the equity protector tool and realized I could borrow safely and still leave something behind for my kids. It completely changed my view."

"I used to freeze every time I had to make a financial decision. This gave me a step-by-step way to approach each dilemma, without fear. I feel more in control than I have in years."

"I was skeptical at first, but this wasn’t a sales pitch. The book and tools helped me run my own numbers and showed me when to take Social Security for the best long-term result."

"We thought we were too late to start planning. Turns out, we just needed the right tools. The calculators were simple enough for us to use and detailed enough to give us real answers."

"No one had ever explained these decisions in a way that actually made sense. This gave me clarity, and the option to talk with someone who wasn’t trying to sell me something."




It is a practical retirement guide that helps you understand income planning, home equity options, and protection strategies. It also includes calculators that make complex decisions easier to visualize.
Unlike most retirement guides, it includes interactive calculators that let you model your own financial situation so you can make informed decisions with confidence.
You will find tools for Social Security timing, withdrawal planning, reverse mortgages, equity growth, long-term care cost estimates, and many more.
Yes. The digital copy is free for a limited time, or you can purchase the paperback or hardcover edition on Amazon.
The Retirement Dilemma is designed for people approaching or already in retirement who want clear, data-driven answers about income, housing, and financial protection.