+Earn 10-12% on your retirement money with no taxes or fees. +Use a tax-FREE account to protect all your earnings and gains. +Spend 8% of your nest egg income tax FREE annually. +Avoid tax on up to 85% of your Social Security benefits. +Turn your taxable pension or IRA into tax-FREE income. Your total return in 2012 could have been 15.3%; better than Warren Buffett's 14.4%. But Warren Buffett pays only 17% total tax. youtube.com/watch?v=Cu5B-2LoC4s. Mitt Romney and John Kerry pay less than 15%. news.yahoo.com/blogs/ticket/mitt-romney-not-only-15-percenter-john-kerry-002350310.html Isn't it time you started using the tax laws to your benefit? Why not pay your fair share? You may not be as wealthy as these guys ... yet, but you can use a tax haven they can't use and pay ZERO tax on your compounded earnings. Compounding high investment earnings is "the most powerful force in the universe," Einstein said. Compounding is money earning money on its earnings over time. Simple but powerful and you pay NO tax and low account fees for life. Compounding works best when you put your money to work in successful businesses paying dividends and stock splits, with no taxes or advisor/broker fees. The table below gives you some idea of how fast your money can grow if you invest it in businesses like the ones you buy from every day. The miracle of compounding works best if you use a mutual fund account at the lowest cost you can find. I show how to set up a low-cost "Wealth ReserveTM" with no 'load.' I will show you the low-cost investments some clients use for long-term growth AND income. These are the ones earning 10-12% for years.About the Author: Law Steeple has been in financial services for over 20 years. He was a managing executive of the sales units of a number of bank securities firms. He is one of the insiders who contributed to the The Insiders Guides set of buyers' guides edited by Dan Keppel. The guides provide specific ways to save on all financial services. The Insiders' Guides to Buying Discount Financial Services: Buy Direct and Save $3,000 Every Year is available at Amazon, Barnes and Noble, and Abebooks. Law lives in New Jersey and Florida.