Micheal Holt, CLTC, CLRP has been assisting retirees and pre-retirees for over 22 years to protect their assets, construct smart investment plans, and create lifelong income. During his career he has helped clients move retirement funds into products which offer more protection of their principal while providing competitive returns. He has advised employees and officers of several Fortune 100 companies as well as local small business owners and their families. He is considered an income planning expert and has an extensive training background in advising retirees regarding their “qualified” savings accounts such as IRA’s, 401(k)’s, 403(b) plans, TSP, and pension plans. He also holds a CLTC certification for long-term care and is a CLRP. Micheal is a founding senior partner with Lifestyle Income Strategies and as part of his financial planning and insurance practice he offers free educational sessions to seniors on a weekly basis. Some of the more popular topics include annuities, life insurance, creating lifelong income streams, alternative investments, tax reduction and avoidance strategies, and how to protect and preserve your retirement savings. Mr. Holt also offers free books, newsletters, and other reports regarding retirement planning. Be sure to ask him for a list of these free educational materials to find out how seniors are managing their retirement funds in today’s financial environment.