Patrick Kelly, nationally acclaimed speaker and author of best-selling book, Tax-Free Retirement, follows the key concepts and guidelines he developed with the new release of The Retirement Miracle. A must-read for anyone planning their retirement, his user-friendly guide describes the ability in which consumers can freely access their retirement dollars without being taxed and can grow their money without the threat of a market risk or growth. Kelly's powerful insight lays the foundations in which consumers can leave behind to their beneficiaries an income-tax-free inheritance.