By David Alemian

The number one financial concern for all Americans, is having enough money for retirement.
Unfortunately, the vast majority of Americans will run out of money in retirement, if they live long enough, and here are the seven reasons why. I call them the seven retirement killers, because any one of them can kill your retirement plan. If you have any combination of them, you will very likely run out of money in retirement.
Here are the seven retirement killers:

1. Taxes – You need to create tax free retirement income.
2. Inflation – I’m going to show you an easy way to calculate with good accuracy, how much money you will need in retirement.
3. Market losses – It’s one of the biggest retirement killers.
4. Major medical illness – We are living longer, and the need for long-term care strikes 91% of all couples who reach advance age.
5. A late start to saving – You can’t turn back the clock, but there are solutions.
6. College for your kids – I’m going to show you how to get someone else to pay for your kid’s college, and they’ll be happy to do it.
7. The death of a breadwinner – It is absolutely devastating, and it’s sad.

Your IRA, or 401(k) will not protect you from any of the seven retirement killers. In the coming weeks, I’ll focus on how to protect you and your family from all seven of them. So remember to absolutely make sure you come back here next week for another edition of the Alemian file.
In the meantime, check out and “LIKE” the ALEMIAN file Facebook page, or simply go to the Alemian file.com.
I personally answer every email I get so, if you have questions, send me an email to David@TheAlemianFile.com.

About David Alemian

Successfully creating affordable retirement plans guaranteed to last a lifetime is a unique, specialty skill. It’s a challenging arena but respected writer David Alemian makes it look easy. Alemian is a leading retirement expert and nationally recognized authority whose expertise is shared via video columns, numerous journals, and talk-shows.
His national recognition results from both revolutionizing and revitalizing how organizations and individuals like you and me plan and save for retirement. Alemian is considered “The Go-To Guy” for creating and implementing absolutely irresistible, lifetime retirement pension programs.
Formerly the host of “It’s About Money” Radio Show, Alemian has also produced and is featured in over 200 financial education videos. Additional content can be found in many well-respected, publications including: MD Magazine, Physician’s Money Digest, Physicians Practice, Journal of Clinical Oncology, Consultant Live, Psychiatric Times, Cancer Network, OB/GYN.net, and The Healthcare Executives Network.