Why Are so many Retirees
in Financial Trouble?

It seems like you can't pick up a newspaper or magazine without seeing an article about someone losing their retirement savings in the recent bear market.

Ironically, most of the stories are about people who thought they were prepared to take the plunge, only to wake up in an ocean of financial trouble.

Why is it that after one of the greatest runs in stock market history so many people have lost their grip on a secure retirement?

"An entire generation of retirees is in trouble," says financial educator and CPA Paul Grangaard. "It's a shame that on the heels of one of the greatest bull markets this country has ever seen so many seniors are being forced to scuttle their retirement plans. It didn't have to be this way."

Having trained financial professionals for years, Grangaard knew there was a better way, so he decided it was time to take his investment message directly to consumers. The result is his new book, "The Grangaard Strategy -- Invest Right During Retirement."

"The problem is, we've been so focused on accumulating money for retirement, we forgot that it has to be managed during retirement too," notes Grangaard. "And now, one generation is gasping for air, while another 65 million people are following right behind." His new book guides readers through the "Twelve Principles of Twenty-First-Century Retirement Investing," and demonstrates how to protect yourself from the kinds of investment markets we're seeing today.

The last three years haven't been easy for anyone, but they've been particularly hard on retirees.

Younger investors have time to ride out the ups and downs in the stock market, but older investors need income -- so they have to sell stocks periodically. And you don't want to do that when markets are heading south.

But many retirees are selling -- because they need the money. Despite the fact that stocks were recently at all-time highs, and previous year returns were well above what anyone could ever have expected, too many retirees failed to capitalize on one of the best opportunities in history to secure a comfortable retirement.

"Unfortunately, time is running out, and millions of retirees and pre-retirees need to learn how to manage their money more effectively in retirement," says Grangaard.

"Over 35,000 people retire every week, and the decisions they make today and tomorrow will affect them and their families for decades."

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Retirement Investing Principles