Hello, my name is Richard Kirk and I’m excited to be able to bring to my clients and potential clients the offering you see above. Through a special agreement with author Roccy DeFrancesco, he has allowed me to give away for free five different educational books in an e-format on this website.

Enjoy the books, and I look forward to hearing from you.

Print versions of the books are available (excluding the HEMBG which is in e-format only)

When you have questions about the content of the books or need a print version, please click here to email us or phone 309-291-0712 . To sign up for a free consultation or to just get more information click here.

WHY FOR FREE? Mr. DeFrancesco is an attorney, but he’s really an educator at heart. He is most interested in making sure that the maximum amount of people read his books. His main company is an educational institute where he educates advisors on how to provide the best advice to clients.

He wrote his books primarily so advisors would have the best tools available to educate and motivate clients to take action to protect and grow their wealth. It is for this reason that he has allowed me to provide free downloads of four of his books.

I encourage you to click on the books listed above and read the summary for each so you can determine which book you should read first. My recommendation is that you start with Bad Advisors: How to Identify Them; How to Avoid Them (it will be quite an eye opener).

For a full compliment of detailed financial educational material visit the site Lifeguard Retirement Planning.

Our firm is unique because we always put our client’s needs first. That may seem like an obvious statement, but as we’ve found out when reviewing several new client’s previous advice, many times the advice advisors give is what’s best for them and not their clients.