With real estate values either flat or declining across the nation, financial strategist Ken W. Stone believes people need to reassess their approach to retirement planning.

Stone says, "Many baby boomers have fundamental fears about retirement. They wonder if they're doing the right things with their retirement plan to ensure safety and comfort in their golden years."

Baby boomers hoping to retire in the next ten years need to be aware of the ways negative real estate trends can affect their plans. Stone's new DVD workshop, "Three Simple Adjustments," and companion workbook provide tangible strategies for addressing these fears:

1. People should understand the structure of their retirement plans and investigate the resulting tax consequences. Stone says that, in some cases, a tax-deferred retirement planning strategy can end up costing more than it saves.

2. Most homeowners believe that home equity is like money in the bank. "In fact," says Stone, "the equity in your home is a depreciating liability." His DVD and workbook suggest ways to turn home equity into an appreciating asset.

3. Emphasizing the importance of teamwork, Stone asks, "Do your professional advisors ever consult with one another? Imagine the exciting possibilities if your CPA, financial planner, estate-planning attorney and mortgage planner are all on the same page, working collaboratively toward the same powerful retirement planning results."

Stone also debunks commonly held beliefs, such as the wisdom of paying off your mortgage. His website Three Simple Adjustments notes that in August 2006, the Federal Reserve Bank of Chicago reported that Americans miss out on $1.5 billion every year because they make extra payments on their mortgages instead of investing excess cash.

"Choice and control are essential to financial success," says Stone. Many traditional retirement planning strategies actually diminish financial choice and control - a fact that Americans reaching retirement age are discovering too late. "It's a bit of a wake-up call," Stone says of his no-nonsense approach to an effective retirement plan, "I'm asking questions most people have never asked."

The "Three Simple Adjustments: How Optimizing Your Assets Will Secure a Better Retirement" Gold Package sells for $247.00 and includes the full 3-DVD workshop, two audio CDs, and a free report. The Platinum Package is $277.00 and includes all of the above plus an instant download of the 93-page workbook "Accelerate Your Retirement With a Home Equity Optimization PlanŽ: Three Simple Adjustments That Secure a Better Financial Future."

The DVD packages and workbook are available at ThreeSimpleAdjustments.com. Visitors to the website also can sign up for a free seven-day retirement planning eCourse.

About Ken W. Stone
Ken W. Stone is a Certified Mortgage Planning Specialist and is one of less than 200 professionals in the U.S. to earn the Registered Mortgage Adviser designation from the International Association of Registered Financial Consultants.

Contact:
Ken Stone
Three Simple Adjustments, LLC
800-926-7954