Throughout the month of December Renovating Retirement founder Charlie Jewett has been giving us helpful tips and gifts for the holidays.  

The first three were, #1 The Gift of Clarity, Gift #2, The Gift of Lower Taxes, #3 The Gift of Income and finally, Gift #4 The Gift of Less Risk.  

Risk vs reward is now outdated.  There are now some awesome tools that offer low to no risk from market exposure or losses, and some of the better ones are even beating the market!  

Lock in your returns, protect yourself against losses by utilizing no fee-annuities or indexing products like Indexed Universal Life policies.  

Start with building your financial blueprint at