Are you one of the many employees struggling to understand your company's 401(k) savings plan? Have you postponed, cut back, or altogether stopped participating in it because you just didn't understand it? Certified Financial Planner(TM) and tax advisor Ed O'Brien takes the guesswork out of selecting retirement investment options by hand-holding you from the beginning of your retirement investment experience to your "gold watch" day and beyond. Reviewed by a focus group of successful middle-income retirees, this book guides you on your journey while avoiding the many tax and investment pitfalls that too often entrap others.