BusinessWeek Magazine (Sept 10, 2009) says, "investors have turned away from anything remotely risky."

The next big risk is not declines in portfolio value, it's TAXES. Taxes will devour retirement savings if not planned properly.

The time is now to strategically plan to stop wasting money on taxes you are not required to pay. Most changes need to be in place by December 31 to reduce your current year taxes, and sooner implementation results in greater savings, so act now!