Brad has helped thousands of people get their ducks in a row over the past 20 or so years in terms of getting ready for retirement. While Brad is very conservative (Managing Risk is a big part of what he does) he also tends to think outside of the box. For example, with tax rates as low as they are, it may not be the best time to be deferring income. To the extent possible, retirement income should be guaranteed, from sources such as pensions, Social Security or a guaranteed income stream from an annuity. Brad believes that retirement is not a good time to be taking big risks. He will frequently ask clients if they would prefer a sure thing or a gamble as they approach retirement.