I'm often asked 2 questions, "Can you do better than the bank"?, and "What's the best product and insurance company for me to work with"? Seniors shy away from riskier investments, but still want to get a better return on their money. After 27 years of helping hundreds of my clients (most of my clients are over 65), I decided to write this guide to help others who want to know how to invest their money and get a better return without risk. The goal of this book is to provide a guide for safely investing your hard earned money.