I thought my husband and I were doing all the right things in setting our goals for our retirement. We had mutual fund accounts, IRAs and a 401 (k), but after all this planning, we were not able to retire at a specific age with a specific amount of money. This was a concern to us and we were determined to find a better way. The policy that Pedro Palicio designed for us provided us with a specific age and amount we could retire, depending on what we wanted to do. This program will work for anyone who uses it correctly. We love it.