What are the secrets to a healthy, happy, and wealthy retirement?

To answer that question, longtime Morningstar columnist and podcaster Christine Benz asked 20 retirement thought leaders to go deep on a single lesson that they believe contributes to success in retirement.

These lessons range from nitty gritty financial matters to quality-of-life considerations that help pre-retirees and retirees maximize their time on earth allocations.

On the financial side of the ledger, the book delves into knowing your retirement income style (Wade Pfau), understanding how your spending might change in retirement (David Blanchett), and organizing your portfolio to support in-retirement cash flows (William Bernstein).

Other interviews probe softer but no less important considerations, such as how to spend in order to optimize happiness (Ramit Sethi), the value of burnishing relationships later in life (Laura Carstensen), and living life so that you have no regrets in the end (Jordan Grumet). These lessons help soon-to-retire and already-retired individuals and their advisors tackle retirement with confidence, wisdom, and a specific plan for maximizing their financial and human capital.

Your complete guide to Social Security retirement and medical benefits

Determining whether to file early for retirement benefits or wait until age 70 can be complicated. Claiming retirement benefits early can lower your benefits, but it affects dependents and survivors benefits differently. Learn this and more with Social Security, Medicare & Government Pensions--completely updated for 2025.

Social Security benefits. Figure out how to get retirement, disability, dependents, and survivors benefits, or Supplemental Security Income (SSI). Decide whether it's best to claim benefits early, at full retirement age, or not until you turn 70--and how to time your claims so you and your spouse get the best benefits.

Medicare & Medicaid. Learn how to qualify for and enroll in both programs, including Medicare Part D drug coverage.

Medigap insurance & Medicare Advantage plans. Compare Medigap and Medicare Advantage plans, and choose what's best for you.

Government pensions & veterans benefits. Discover when and how to claim the benefits you have earned.

What's New in 2025?

• New cap on drug costs under Part D


• Elimination of Part D donut hole, and


• New Medicare costs and Social Security amounts for 2025.

Whether you're looking for yourself or helping a parent, you'll find valuable information here to help get the benefits you've earned.

Free yourself from the tyranny of toxic budget culture, and build an ethical, stress-free financial life.

Track every dollar you spend. Check your account balances once a week. Always pay off your credit card bill in full. Make a budget--and stick to it. These are just a few of the edicts you'll find in virtually every personal finance book. But this kind of rigid, one-size-fits-all advice--usually written for and by wealthy white men (and a few women) with little perspective on the money struggles that many people face--is unrealistic, and only creates stress and shame.

As a financial journalist and educator, Dana Miranda is on a mission to liberate readers from budget culture: the damaging set of beliefs around money that rely on restriction, shame, and greed--much like diet culture does for food and bodies. In this long-overdue alternative to traditional budgeting advice, Miranda offers a new approach that makes money easy for everyone, regardless of the numbers in their bank account.

Full of counterintuitive advice--like how to use debt to support your life goals, how to plan for retirement without a 401K, and how to take advantage of resources that exist to support those left behind by the forces of capitalism--You Don't Need a Budget will empower readers to get money off their mind and live the lives they want.

Everything you need to get organized

Do your loved ones know where to find your life insurance policies, online banking passwords, real estate deeds, or even your will?

If you're like a lot of people, you keep important information--from the whereabouts of family heirlooms to online passwords to automatic bill-pay details--in your head or stashed in the odd desk drawer. Unfortunately, this disorganization will likely cause hassles for those who someday take care of you or your estate.

Get It Together provides an easy, straightforward method to help you and others keep track of:

• secured places and passwords


• employment records


• insurance policies


• real estate records


• tax records


• retirement accounts


• estate planning documents


• funeral arrangements


• letters to loved ones

This book is organized to make the process straightforward. In the first half, you'll find the pages to create your personal planner. In the second half, you'll find step-by-step instructions and helpful resources.

Get the Social Security benefits you've earned

In the newly updated Social Security For Dummies, you'll find all the basics on Social Security, plus the latest updates and changes, so that you can make the most of your benefits. With clear jargon-free language and instructions, you'll figure out when to start taking your benefits, based on your unique situation and goals. This bestseller simplifies the complex Social Security system, a cornerstone of many people's retirement budgets. Social Security For Dummies will arm you with the knowledge you need to maximize your financial well-being.

• Get a comprehensive guide to the foundations of Social Security
• Understand your benefits and prepare your long-term financial plan
• Learn the latest benefits and find guidance on updated policies
• Determine the best time to apply for Social Security

Whether you're gearing up for retirement, already in the Social Security groove, or helping a loved one navigate the benefits maze, this book is your golden ticket to financial peace of mind.

Learn the ins and outs of the social security system in this accessible, easy-to-navigate guide with refreshed, updated information in Social Security 101, 2nd Edition.

Too often, writing about social security turns the noteworthy details of the benefits into boring details about regulations or biased political arguments that would put even a diehard bureaucrat to sleep. Social Security 101, 2nd Edition, cuts out the tedious explanations and instead provides a hands-on lesson that keeps you engaged as you learn all you need to know about the federal program that's been around since the Great Depression.

From the history of social security to its likely role in the future, this primer is packed with hundreds of entertaining tidbits and concepts that will keep you on track as you learn how to maximize your benefits.

Whether you want to learn about calculating your retirement age or estimating your projected payments, Social Security 101 has all the answers--even the ones you didn't know you were looking for.

Instant New York Times bestseller

USA Today bestseller

Publishers Weekly bestseller

Taking control of your financial freedom is simpler than you think. In fact, your money should work harder than you do.

Brian Preston, Host of The Money Guy Show podcast and Cofounder of Abound Wealth Management, lays out a nine-step system for building wealth with the money you already have. Millionaire Mission helps you account for your financial blind spots, overcome the fear of making wrong decisions, and take the guesswork out of what to do with your next dollar.

Remember PEMDAS from grade school? The acronym that helps break down complex math problems into simple steps? When it comes to managing your money, following a similar process--the Financial Order of Operations--will demystify your dollars and show you the way to build transformative wealth with the tools you already have available:

• Keep Your Financial Life Out of the Ditch (Cover Your Highest Deductible)
• Love That Free Money (Max-Out Your Employer Match)
• The Joneses Are Broke and Miserable (Pay Off High-Interest Debt)
• Rainy Day Done Right (Build Emergency Reserves)
• Tax-Free Armageddon (Max-Out Tax-Free Growth with Roth and/or HSA Contributions)
• Max-Out Retirement Options
• Building That More Beautiful Tomorrow (Leverage Hyper-Accumulation)
• Funding Abundance Goals (Prepay Future Expenses)
• Debt Freedom (Prepay Low-Interest Debt)

  Discover what small financial decisions you can make today to move you closer to your more beautiful tomorrow. Millionaire Mission will do more than help you optimize your army of dollar bills--it will motivate you to be the best version of your financial self.

  You can own your time and own your life. Stop worrying so much about money, and start focusing on what really matters to you.

A comprehensive and easy-to-understand guide to the ins and outs of retirement planning--updated to include the latest information on new terminology, guideline updates, revised laws, and more making it the key resource for creating a retirement you can live on!

How much do I need to retire? Can I retire early? What's the retirement age, anyway? No matter whether you're twenty-five, sixty-five, or any age in between, you probably have questions about retirement and knowing the answers is the key to planning your future. And with changes to essential retirement structures like investment accounts, social security and Medicare, it's important to stay up to date for your own benefit. Whether you want to retire as soon as possible or are looking forward to continuing to work in some form for as long as you can, Retirement 101, 2nd Edition guides you through each step as you approach this life-changing milestone.

Now this 2nd edition includes updated information on:
-Social security and Medicare
-Investment account contributions
-Required minimum distribution rules
-Student debt payments
-Enrollment changes
-And more!

From how to save for the day when you stop--or scale back--working to smart investment strategies to the best states to retire in to how to calculate your benefits, Retirement 101, 2nd Editions helps you create a retirement plan to accomplish your goals whatever they are.

How to Retire Happy, Wild, and Free offers inspirational advice on how to enjoy life to its fullest. The key to achieving an active and satisfying retirement involves a great deal more than having adequate financial resources; it also encompasses all other aspects of life--interesting leisure activities, creative pursuits, physical well-being, mental well-being, and solid social support. World-class author and innovator Ernie J. Zelinski guides you to: --Gain courage to take early retirement; in fact, the earlier the better. --Put money in proper perspective so that you don't need a million dollars to retire. --Generate purpose in your retirement life with meaningful creative pursuits. --Follow your dreams instead of someone else's. --Take charge of your mental, physical, and spiritual health. --Better envision you retirement goals -- including where you want to live. --Above all, make your retirement years the best time of your life. What sets this retirement book apart from all the others is its holistic approach to the fears, hopes, and dreams that people have about retirement. This international bestseller (over 110,000 copies sold in its first edition) goes way beyond the numbers that is often the main focus of retirement planning in most retirement books. There are many ingredients of a happy retirement and several retirement planning tools that help retirees plan for their retirement in new and more meaningful ways. One of the most powerful tools is The Get-a-Life Tree that you won't find in any other retirement books. In short, the retirement wisdom in this book will prove to be much more important than how much money you have saved. How to Retire Happy Wild, and Free helps readers create an active, satisfying, and happy retirement in a way such that they don't need a million dollars to retire.

OVER 300,000 COPIES IN PRINT, WITH A NEW CHAPTER ON THE 2018 TAX CUTS.

There's a massive freight train bearing down on the average American investor, and it's coming in the form of higher taxes.

The United States Government has made trillions of dollars in unfunded promises for programs like Social Security and Medicare--and the only way to deliver on these promises is to raise taxes. Some experts have even suggested that tax rates will need to double, just to keep our country solvent. Unfortunately, if you're like most Americans, you've saved the majority of your retirement assets in tax-deferred vehicles like 401(k)s and IRAs. If tax rates go up, how much of your hard-earned money will you really get to keep?

In The Power of Zero, McKnight provides a concise, step-by-step roadmap on how to get to the 0% tax bracket by the time you retire, effectively eliminating tax rate risk from your retirement picture. Now, in this expanded edition, McKnight has updated the book with a new chapter on the 2017 Tax Cuts and Jobs Act, showing readers how to navigate the new tax law, and how they can extend the life of their retirement savings by taking advantage of it now.

The day of reckoning is fast approaching. Are you ready to do what it takes to experience the power of zero?

Proactively plan for a successful financial future after leaving the workforce

Are you ready for retirement? Retirement Planning For Dummies is your comprehensive guide to shoring up your finances as you prepare to leave the workforce. Learn to manage and optimize your 401(k), balance retirement savings with other financial needs, and set up pensions and insurance. Plus, get the latest updates on all things retirement, including the SECURE Act and new withdrawal rules. Written by an expert investment writer, this beginner-friendly guide is full of financial wisdom that will smooth the road as you embark on your retirement planning journey.

• Learn the best saving practices to make your money grow
• Maximize your retirement knowledge to set you up for success
• Balance retirement savings with other needs
• Get up to speed on withdrawal limits, HSA rules, and self-employment considerations

This book is for anyone looking for the best ways to save and plan for retirement, whether you just joined the workforce or are contemplating retirement in the near future.

Rethink Your Retirement Planning!

So few of us are well-versed in personal finance or the services (and costs) associated with financial advisors. When it comes to managing our money, we're limited not only by our knowledge but also by our own minds. Emotions, blind spots, and biases can all cause poor decision-making.

While most retirement planning books ignore this truth-Holistic Retirement Planning shows us why it's best to address the heart and mind before considering personal finance. Such matters, including goals, values, and purpose, should be the focal point of any retirement plan.

After a challenging divorce, author Dr. Ron Missun took his decades-long experience in statistical analysis and applied it to a reworking of his goals, purpose, and retirement plan. The end result is this book, in which you'll learn to:

* Examine values and goals.

* Create a retirement budget.

* Efficiently withdraw from assets.

Wherever you are in your journey, it's imperative to consider investing now. Holistic Retirement Planning shows you how to start-and succeed-with your heart and mind in alignment.

*UPDATED IN JANUARY 2025*
*OVER 52,000 COPIES SOLD*
The Retirement Planning Guidebook helps you navigate through the important decisions to prepare for your best retirement. You will have the detailed knowledge and understanding to make smart retirement decisions:

- Understand your personal retirement income style, which can then help you navigate through the conflicting opinions about retirement strategies to choose your right path.

- Learn about investment and insurance tools that may best resonate with your personal style.

- Determine if you are financially prepared for retirement by quantifying your financial goals (annual spending, legacy, and reserves for the unexpected) and comparing them to your available assets.

- Make smart decisions for when to start Social Security benefits, which could potentially support an additional $100,000 or more of lifetime income from Social Security.

- Develop a plan for making the best initial and ongoing choices from the alphabet soup of Medicare options, as well as how to find health coverage if you retire before Medicare eligibility.

- Assess where you wish to live in retirement and whether there are helpful ways to incorporate housing wealth into your retirement strategy.

- Decide how to manage your long-term care risk between self-funding, Medicaid, or private insurance, and take steps to support living at home for as long as possible.

- Understand how to manage your taxes to pay less, to avoid common pitfalls, and to have more for your lifetime and your legacy. You will be able to apply tax diversification, asset location, tax bracket management, and Roth conversions to enhance the sustainability of your retirement assets.

- Get your finances organized and understand how to get your estate and incapacity planning documents in order, including your will, account titling, beneficiary designations, financial power of attorney, and advance health care directives.

- Identify whether there is a role for trusts in your estate plan for reasons related to avoiding probate, controlling how and when assets are disbursed, obtaining creditor protections, or helping to manage estate taxes.

- Prepare for the non-financial aspects of retirement, including the need to find purpose and passion, to understand if there is a role for work in retirement, to enhance relationships and social connections, and to maintain an active and healthy lifestyle.

Retirement has an entire vocabulary associated with it. We'll demystify the 4% rule, sequence-of-return risk, time segmentation and buckets, reverse mortgages, income annuities, variable annuities, fixed index annuities, long-term care insurance, living trusts, irrevocable trusts, budgeting, the funded ratio, Medicare Advantage, Medicare supplements, diversified investment portfolios, Roth conversions, the hazards of the Social Security tax torpedo and increased Medicare premiums, buffer assets, 401(k) plans and IRAs, the rollover decision, distribution options for defined-benefit company pensions, required minimum distributions, qualified charitable distributions, aging in place, cognitive decline, and so much more.

The Retirement Planning Guidebook does not let important matters fall through the cracks. This is a comprehensive look at the key retirement decisions to achieve financial and non-financial success. You will have the foundation to make the most of your retirement years, and I hope you'll be able to do something great!

Social Security law has changed Get What's Yours has been revised and updated to reflect new regulations that took effect on April 29, 2016.

Get What's Yours has proven itself to be the definitive book about how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits. It is an engaging manual of tactics and strategies written by well-known financial commentators that is unobtainable elsewhere. You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but academia's Kotlikoff, the popular press's Moeller, and public television's Solman explain the Social Security system just as comprehensively, and a lot more comprehensibly. Moreover, they demonstrate that what you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost individual retirees tens of thousands of dollars in lost income every year. (Some of those people are even in the book.)

Changes to Social Security that take effect in 2016 make it more important than ever to wait as long as possible (until age 70, if possible) to claim Social Security benefits. The new law also has significant implications for those who wish to claim divorced spousal benefits (and how many Social Security recipients even know about divorced spousal benefits?). Besides addressing these and other issues, this revised edition contains a chapter explaining how Medicare rules can shape Social Security decisions.

Many other personal-finance books briefly address Social Security, but none offers the full, authoritative, yet conversational analysis of Get What's Yours.

Get What's Yours explains Social Security benefits through basic strategies and stirring stories. It covers the most frequent benefit scenarios faced by married retired couples; by divorced retirees; by widows and widowers. It explains what to do if you're a retired parent of dependent children; disabled; an eligible beneficiary who continues to work. It addresses the tax consequences of your choices, as well as the financial implications for other investments. It does all this and more.

There are more than 52 million Americans aged 54 to 69. Ten thousand of them reach Social Security's full retirement age of 66 every day. For all these people--and for their families and friends--Get What's Yours has proven to be an invaluable, and therefore indispensable, tool.

The Map of Life is Changing

The nation's first generation of knowledge professionals, some thirty million Americans who've earned a living through their education, intelligence and expertise, has reached or is nearing retirement age. For more than half, this feels like a life sentence to purgatory, according to the most scientific studies ever done on this generation.

While many can afford to, they have no interest in powering down their ambitions to play golf, garden, cruise or play pickleball for the rest of their days. Recalls one who tried: You retire, you have a drink on your patio at 4:30 in the afternoon. More time goes by. Now you have a drink at 1:30 in the afternoon. You realize it's time to go back to work.

And that they are-the number of college educated Americans in their mid-60s and beyond who have kept working rather than retire, has more than quadrupled over the past few decades. And their numbers continue to climb, as millions more each day recalibrate their career trajectories, realign the U.S. economy, and reinvent the path to happily ever after for future generations to follow.

Reported the Wall Street Journal in April 2023, for many people, the idea of stopping work is a nonstarter-an inevitable path to boredom, ill health and a life devoid of meaning.

In this sequel to his Amazon bestseller Boundless Potential and the nationwide PBS-TV Special that it spawned, Peabody award-winning journalist and Fortune 100 management consultant Mark S. Walton crisscrossed the country, visiting with passionately unretired CEO's, Mayo clinic doctors, attorneys, neuroscientists, psychologists, financial experts, journalists and more, to chronicle their stories, share their lessons learned, and unpack the seismic trend that's changing the map of life.

Imagine you are on a rollercoaster. The slight nervousness when you are in line waiting to board. The feeling of anticipation as you clank, clank, clank your way up to the top of the first peak, and then the rush of adrenaline as you accelerate through a feeling of freefall down the rails, followed by a jarring hard left turn followed by a jarring hard right turn. All this to stimulate your sense of danger and to create a true thrill ride. The enjoyment of a rollercoaster can only be achieved when you know and trust that you are safe throughout the entire experience. If there was ever any doubt that you were safe, you wouldn't even think about riding.

Retirement for many Americans can be like a rollercoaster. We experience the ups and the downs, the jarring turns, and the panic-inducing plummets. However, we have no guarantees and no trust that we are going to be taken care of, so it creates fear and not enjoyment. Is that how we want our retirement to go? Does this sound like a fun ride?

Fortunately, you have a choice how you want to experience retirement. For most of us, we don't want it to feel like a rollercoaster, and for good reason! For those who want to feel some of the ups and not the downs, there is a solution, and that solution is a Fixed Indexed Annuity.

7 Benefits of FIAs for Retirement is a holistic and easy to understand retirement readiness book. It is written to benefit both consumers and professionals. This start to finish retirement education is concise and effective and is a must read for every American.

Investor Advisor Representative (CRD #7201706) CEP, RICP, WMCP & National Social Security Advisor Certificate Holder, Sean A. Ruggiero's focus is on helping consumers, agents and agencies with holistic retirement readiness through the use of evolving FIAs, education, training and software. Sean's expertise includes retirement income planning, wealth management, SaaS, insurance, credit, automotive, mortgage and finance verticals. Voted by Life Health Pro as one of Top 20 Most Creative People in Insurance for 2015. DIA award winner in 2016 Barcelona. Listed Top 100 InsurTech Startups by Digital Insurance Agenda 2016-2018. Marketing consultant for two of the top 60 insurance companies in the United States. Founder of SafeMoneySmart.org, a non-profit dedicated to the awareness of alternatives to the stock market in retirement. Author of 7 Benefits of FIAs for Retirement.

Sí sabes que NO recibirás una jubilación, verdad? Y que tu afore no te dará ni la tercera parte de lo que hoy ganas?...

Afortunadamente, estás a tiempo de evitar una vejez pobre o, en una de esas, incluso de retirarte joven!

En este libro, Eduardo Rosas te cuenta, paso a pasito, las decenas de herramientas y opciones que puedes explotar para alcanzar el paraíso en la tierra: la llamada «libertad financiera .

No se trata sólo de ahorrar, sino de aprender a multiplicar el poco o mucho dinero que tengas. No hace falta que seas bueno con los números o las finanzas, sí se puede! Aquí vienen las técnicas --legales, efectivas, serias y seguras-- que te permitirán ir asegurando tu bienestar financiero. Siglas que hoy no te dicen nada --cosas tan áridas como PPR, BMV, Bonddia, Cetes, GBM, ETF, S&P o FIBRA-- pueden convertirse en tu pasaporte a la tranquilidad, a dinero en la cartera y a una vida más larga, sana y bonita.

ENGLISH DESCRIPTION

You do know you will NOT receive any money upon retiring, right? And that your IRS retirement payment will not even give you a third of what you earn today?...

Fortunately, you are still on time to avoid an impoverished old age or, why not, even retire young!

In this book, Eduardo Rosas tells you, step by step, of the dozens of tools and options you can explore to reach heaven on earth: the so-called financial freedom.

It isn't only about saving money, but learning how to increase whatever money you might have. You don't have to be good with numbers or finances. You can do this! Here you will find legal, effective, serious, and safe techniques that will allow you to insure your financial wellbeing. Acronyms that mean nothing to you today--as barren as PPR, BMV, Bonddia, Cetes, BGM, ETF, S&P, or FIBRA--can become your passport to peace and quiet, money in your purse, and a longer, healthier, prettier life.

Take control of creating your own financial independence and the option to retire early on your terms

The Financial Independence, Retire Early (F.I.R.E.) movement has inspired many to optimize their finances and retire sooner than they ever imagined. This creates the time freedom and happiness you want years, or even decades, before the traditional age. F.I.R.E. For Dummies shows you how to make financial freedom and early retirement a reality. With the easy-to-follow steps in this guide, you can set yourself up to follow your big dreams without worry of money being an obstacle. Decrease debts, taxes and expenses while increasing earnings, savings and investing, is what gets you on the road toward building your wealth. You'll learn how to maximize this process and speed up your time to financial independence and retiring early.

• Discover why the Financial Independence, Retire Early (F.I.R.E.) movement has grown so rapidly
• Get concrete instructions and advice for retiring earlier or putting yourself in the powerful position to leave your job on your terms
• Plan and organize your finances in a way that doesn't make you feel reliant on a job to financially thrive
• Overcome the common obstacles for retiring early like losing social connections, filling your time, strict rules around accessing retirement accounts early or health insurance
• Learn from someone that has achieved F.I.R.E. and helps light the way for you on your own journey

This is the perfect Dummies guide for anyone looking to move from the basics of their finances to reaching F.I.R.E. and enjoying the time freedom it creates. Regardless of where you currently are with your money or career, now is the right time to get started.

Do you know your Number? What happens if you don't make it to your Number? Do you have a plan? The Number is no ordinary finance book--it offers an intriguing and entertaining tour of weath gurus, life coaches, and financial advisers, and our hopes and fears for the future. The result is a provocative field guide to your psyche and finances and an urgently useful book for anyone over thirty.

The often-avoided, anxiety-riddled discussion about financial planning for a secure and fulfilling future has been given a new starting point in The Number by Lee Eisenberg. The buzz of professionals and financial industry insiders everywhere, the Number represents the amount of money and resources people will need to enjoy the active life they desire, especially post-career. Backed by imaginative reporting and insights, Eisenberg urges people to assume control and responsibility for their standard of living, and take greater aim on their long-term aspirations.

From Wall Street to Main Street USA, the Number means different things to different people. It is constantly fluctuating in people's minds and bank accounts. To some, the Number symbolizes freedom, validation of career success, the ticket to luxurious indulgences and spiritual exploration; to others, it represents the bewildering and nonsensical nightmare of an impoverished existence creeping up on them in their old age, a seemingly hopeless inevitability that they would rather simply ignore than confront. People are highly private and closed-mouthed when it comes to discussing their Numbers, or lack thereof, for fear they might either reveal too much or display ineptitude.

In The Number, Eisenberg describes this secret anxiety as the Last Taboo, a conundrum snared in confusing financial lingo. He sorts through the fancy jargon and translates the Number into commonsense advice that resonates just as easily with the aging gods and goddesses of corporate boardrooms as it does with ordinary people who are beginning to realize that retirement is now just a couple of decades away. Believing that the Number is as much about self-worth as it is net worth, Eisenberg strives to help readers better understand and more efficiently manage all aspects of their life, money, and pursuit of happiness.

All veterans and their families deserve the maximum benefits they earned by bravely serving their country!

Veterans of the United States armed forces are entitled to a broad range of benefits and services provided by the US Department of Veterans Affairs (VA). Dr. Paul R Lawrence, former Under Secretary for Benefits in the Department of Veterans Affairs, provides an up-to-date, comprehensive and accessible guide to all the benefits and services available to veterans of the US armed services and how to make the most of these benefits and services.

Guidance and Insights for Veterans, Dependents, and Survivors Include Topics:

• Basic Health Care Eligibility & Benefits
• Hospitals & Clinics
• Disability & Rehabilitation
• Counseling & Mental Health Care
• Employment Assistance
• Pensions
• Loans & Insurance
• Memorial Services
• Military Records & Medals
• GI Bill, Scholarships & Grants
• And much more...

Dr. Lawrence will help you fight for the benefits you were promised when you agreed to serve your country!