"If you need a strategy to assist you with cash flow during retirement, The Retirement Income Shift is a great resource for retirement planning at any stage." -- Readers'' Favorite "I know that my friend and colleague, Tim Sparks, has the drive, discipline, and passion to help his clients understand how to really take charge of their finances and achieve their retirement goals. Tim also has a natural gift for communicating complex ideas and information in an engaging, down-to-earth way that makes them easy to grasp. I promise you will recognize and appreciate this gift for yourself as you read Tim''s book, The Retirement Income Shift: Getting the Most Mileage Out of Your Money. You will also learn about Tim''s expansive knowledge of investing and the financial markets, along with his candid insights into Wall Street and the dangers of many commonly held beliefs about retirement planning. In his new book, Tim shares solutions he''s been using for 15 years to help hardworking Americans confidently achieve or exceed their financial goals by making "the retirement income shift''." -- David J. Scranton, CFA®, CFP®, CHFC®, CLU® Founder, Sound Income Group; Author of Return on Principle: 7 Core Values to Help Protect Your Money in Good Times and Bad and Retirement Income Source: The Ultimate Guide to Eternal Income "For the first time working with a financial adviser, I feel confidence and trust in leaning on the advice received.

Tim takes the time to understand my individual financial situation and goals and takes even more time to educate me in a way that I can rest assured that my finances are in good hands. I simply do not brood over the state of the economy or world as it relates to my financial future. Tim has put those concerns to rest, and I am finally at peace with my investments." -- Dr. James L. Borders, MD "I would wholly recommend Tim Sparks. Tim has been my financial advisor for a number of years now and has been absolutely brilliant. He has guided me through developing my retirement financial plans including the setup of my retirement paycheck once I hang up my long-time career using the income method.

In summary, he has made my money successfully work hard for me. The income method of generating a retirement paycheck has worked out brilliantly for me. The concept of generating income from your portfolio is an old theme--but rarely is it actually used in today''s go-go market. Most people just try to artificially generate income through selling shares, which eventually leads to reverse dollar cost averaging by selling more shares when the market is down. This is devastating to [the goal of] ensuring that you do not run out of money in retirement. Stick with a proven way to generate long-term income by buying income-producing investments. This method just simply works!!!!!!"" -- John McNew Mining Engineer "I had my portfolio with one of the major financial advisory firms and did not feel that they were managing my portfolio in a manner that would have me ready for my planned retirement in 6 to 8 years. Their focus was on mutual funds for growth and continued to assure me that I had time to recover from any downturns in the market, despite my concerns.

I usually listened to their radio show on Saturdays while cutting grass and one Saturday I switched stations and Tim''s show was on. After listening to his show, I realized that his information regarding retirement and retirement income, especially the I part of the TR formula, was the retirement planning method I was looking for instead of ''it will grow and you''ll be ok'' advice that my former financial advisor provided. I called in and set up an appointment and the rest is history. We met with Tim, listened to his recommendations for our retirement plans, went over his projections with him, and realized that his advice and plan fit exactly into our retirement plans. We transferred our portfolios to Tim''s group and have been with him for over 4 years and could not be happier; our portfolios are generating the level of income as projected and, since I have not retired yet, the returns are being reinvested. In addition to not only being the best financial advisor that we have had over our careers, Tim has also become a close friend." -- Mike Castle JD & Engineer.