Retirement Wealth Management, Inc. provides individual-account management based on each client's needs and goals. Our primary focus is threeforld: (1) conservative long-term growth, (2) income as needed and (3) capital preservation always. We invest in the U.S. and around the world as appropriate. And we are vigilant and proactive when it comes to making necessary changes as necessary because of market conditions to protect your financial security.

Retirement Wealth Management is a fee-only investment advisor and is registered with the Securities and Exchange Commission.

Philip A. Springer is President of Retirement Wealth Management, Inc. He is a leading authority on building and enjoying a rich retirement, with 27 years of experience as a specialist in investments, portfolio management and tax reduction for people who are approaching retirement or already retired.

As Retirement Wealth Management's chief investment officer, Mr. Springer works closely with each client to implement a personal wealth-management plan that is conservative yet growth oriented. Retirement Wealth Management and Mr. Springer are completely independent, with no conflicts of interest.

Mr. Springer was Editor of THE RETIREMENT LETTER, a leading national source of independent information and advice on building and enjoying a rich retirement, from 1995 to 2001. He was winner of the Newsletter Publishers Foundation's prestigious Editorial Excellence Award. Since 1981, when he was chosen as Editor of EXECUTIVE WEALTH ADVISORY, he has provided authoritative guidance on safe-growth investing for and in retirement.

Mr. Springer has been a popular speaker at the leading money shows, in Orlando, Las Vegas, San Francisco, New York, Chicago, Atlanta and on investment cruises. Mr. Springer has appeared on CNBC and CNN. He has also written articles for and been quoted in many national publications, including Business Week, Kiplinger's Personal Finance, The New York Times, U.S. News & World Report and The Wall Street Journal.