About the Author

Howard Phillips is a pension actuary, which is typically someone who is federally licensed by a joint board of the Departments of Labor and Treasury. Like other pension actuaries, Mr. Phillips has helped numerous companies and their employees with the design, installation and administration of their tax-qualified retirement plans, and has done so for more than 40 years.

Mr. Phillips was President of Consulting Actuaries Incorporated, President and Director of The American Society of Pension Professionals and Actuaries, and a Director of other well-known actuarial organizations. He has also been published in a wide variety of respected professional journals.

Simply put, Mr. Phillips is an authority on retirement plans and how to make certain that you leave your marriage with what is rightfully yours.

A note from the author: “Your purchase of this booklet will yield at least one methodology of positive value not known before by you and your advisors.