Registered Investment Advisor, and author of “The 7% Solution, John Graves, is our guest who will appear and present his thoughts on facing the rising costs of retirement. John Graves, CLU, CHFC, is a registered investment advisor and is the manager of some $400 million in assets, and editor of The Retirement Journal, has more than a few retirement tips for businesses and employees in these tough times. Graves has solutions for both businesses and individuals. Working with the basics of time, objective information and common sense, Graves’ book, “The 7% Solution” (January 2012) may help solve your problems. For more, please visit www.theretirementjournal.com While the headlines are filled with the tribulations of major corporations, the heartbeat of America is also powered by employees and by small business. Every one of them from mom & pop shops to small companies with a few dozen employees have to face the fact that those granted the gift of aging will someday not be willing or able to work. We politely call that retirement. Once addressed with a gold watch, a fishing rod, and social security, both small business employees and employers are sweating the upcoming bill. The expanding legions of self-employed share the fear. The real estate crisis and government “solutions” have made matters worse. How can small businesses, and the average Jane or Joe really afford retirement?
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