<<"His office was filled with things saying he was certified to help seniors. The only one he really helped was himself."- MARY ANN ST. CLAIR, a 73-year-old widow who says she was tricked by a financial adviser.>> We should begin any discussion of selling Americans loads of codswallup about retirement programs with a candid discussion about Social Security and Medicare, programs that have stupefying liabilities and negligible reserves.They are best described as Ponzi schemes, and only survive because the Federal government compels people to pay taxes to support these programs.By comparison, insurance companies are lambs. Seattle Pioneer
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