Rated 4.8/5 — 20K+ Copies Sold
Permission To Spend
Maximize your retirement with the best-kept secret in personal finance
Eliminate fear from your retirement
Minimize your taxes
Take control of your hard-earned money
Rated 4.8/5 — 20K+ Copies Sold
Permission To Spend
Maximize your retirement with the best-kept secret in personal finance
Eliminate fear from your retirement
Minimize your taxes
Take control of your hard-earned money
Rated 4.8/5 — 20K+ Copies Sold
Permission To Spend
Maximize your retirement with the best-kept secret in personal finance
Eliminate fear from your retirement
Minimize your taxes
Take control of your hard-earned money
"A great read for financial advisors and individuals alike."
"A great read for financial advisors and individuals alike."
As a certified financial planner, I thought this was a great book that does a wonderful job of helping clients understand how to implement risk management alongside their wealth management to maximize their overall results. I highly recommend to everyone!
As a certified financial planner, I thought this was a great book that does a wonderful job of helping clients understand how to implement risk management alongside their wealth management to maximize their overall results. I highly recommend to everyone!
— Max, Financial Advisor
— Max, Financial Advisor
"A great read for financial advisors and individuals alike."
As a certified financial planner, I thought this was a great book that does a wonderful job of helping clients understand how to implement risk management alongside their wealth management to maximize their overall results. I highly recommend to everyone!
— Max, Financial Advisor
You Will Be Afraid to Spend.
Millions of retirees are living in fear—afraid they'll run out of money, afraid of market crashes, afraid of unexpected expenses. They've saved for decades but can't enjoy it.
The problem? The financial industry only teaches you how to accumulate wealth, not how to use it confidently in retirement.
The solution? This book reveals a time-tested strategy that transforms your relationship with money, giving you the confidence to actually enjoy your hard-earned retirement.
You Will Be Afraid to Spend.
This is the first line in the book, and I wrote it for a reason.
Millions of retirees are living in fear—afraid they'll run out of money, afraid of market crashes, afraid of unexpected expenses. They've saved for decades but can't enjoy it.
The problem? The financial industry only teaches you how to accumulate wealth, not how to use it confidently in retirement.
The solution? This book reveals a time-tested strategy that transforms your relationship with money, giving you the confidence to actually enjoy your hard-earned retirement.
You Will Be Afraid to Spend.
Millions of retirees are living in fear—afraid they'll run out of money, afraid of market crashes, afraid of unexpected expenses. They've saved for decades but can't enjoy it.
The problem? The financial industry only teaches you how to accumulate wealth, not how to use it confidently in retirement.
The solution? This book reveals a time-tested strategy that transforms your relationship with money, giving you the confidence to actually enjoy your hard-earned retirement.
Inside This Book, You'll Learn:
Inside This Book, You'll Learn:
Inside This Book, You'll Learn:
How much you need to be saving
to reach retirement
How much you need to
be saving to reach
retirement
How much you need to be saving to reach retirement
Ways to optimize your savings and
investments while avoiding excessive taxes
Ways to optimize your
savings and investments
while avoiding excessive taxes
Ways to optimize your savings and investments while
excessive taxes
Risks to your retirement and an understanding
of safe withdrawal rates
Risks to your retirement and
an understanding
of safe withdrawal rates
Risks to your retirement and an understanding of safe
withdrawal rates
How to set up multiple sources
of guaranteed income
How to set up multiple sources of guaranteed income
Strategies to maximize spending early
in retirement, when you're most capable of
enjoying your money
Strategies to maximize
spending early in retirement,
when you're most capable of
enjoying your money
Strategies to maximize spending early in retirement,
when you're most capable of enjoying your money
Opportunities to reduce your reliance on
traditional banks
Opportunities to reduce your
reliance on traditional banks
Opportunities to reduce your reliance on traditional banks
What to look for when seeking an advisor
What to look for when
seeking an advisor
Where to go next to design your ideal
retirement and achieve Permission to Spend
Where to go next to design
your ideal retirement and
achieve Permission to Spend
Where to go next to design your ideal retirement and
achieve Permission to Spend
...And more!
20,000+ Copies Sold, Raving Reviews & Results
20,000+ Copies Sold, Raving Reviews & Results
20,000+ Copies Sold, Raving Reviews & Results
Time breezed by fast for a very educational book that opened my eyes to a lot about retirement planning. Hoping he produces more on other topics too!
Dan
Time breezed by fast for a very educational book that opened my eyes to a lot about retirement planning. Hoping he produces more on other topics too!
Dan
Time breezed by fast for a very educational book that opened my eyes to a lot about retirement planning. Hoping he produces more on other topics too!
Dan
Tom Wall has done all the research and outlines, for the reader, a sound approach to planning for retirement and passing on wealth to your estate. And without paying the government unnecessarily!
Daniel C.
Tom Wall has done all the research and outlines, for the reader, a sound approach to planning for retirement and passing on wealth to your estate. And without paying the government unnecessarily!
Daniel C.
Tom Wall has done all the research and outlines, for the reader, a sound approach to planning for retirement and passing on wealth to your estate. And without paying the government unnecessarily!
Daniel C.
Written in a clear and accessible way, it provides practical insights and real-life examples, making it a must-read for anyone looking to balance financial security with a fulfilling life. Highly recommend!
Jaimie P.
Written in a clear and accessible way, it provides practical insights and real-life examples, making it a must-read for anyone looking to balance financial security with a fulfilling life. Highly recommend!
Jaimie P.
Written in a clear and accessible way, it provides practical insights and real-life examples, making it a must-read for anyone looking to balance financial security with a fulfilling life. Highly recommend!
Jaimie P.
Ive read many of the retirement planning books out there and this is probably my favorite.
Joel G.
Ive read many of the retirement planning books out there and this is probably my favorite.
Joel G.
Ive read many of the retirement planning books out there and this is probably my favorite.
Joel G.
One of the best books I’ve read that explores retirement income planning and strategies to help maximize your income.
Brian E.
One of the best books I’ve read that explores retirement income planning and strategies to help maximize your income.
Brian E.
One of the best books I’ve read that explores retirement income planning and strategies to help maximize your income.
Brian E.
Dr. Wall's recommendations are spot on. The financial techniques and tools in this guidebook will enhance your life and the lives of those you love.
Max P.
Dr. Wall's recommendations are spot on. The financial techniques and tools in this guidebook will enhance your life and the lives of those you love.
Max P.
Dr. Wall's recommendations are spot on. The financial techniques and tools in this guidebook will enhance your life and the lives of those you love.
Max P.
As a certified financial planner, I thought this was a great book that does a wonderful job of helping clients understand how to implement risk management alongside their wealth management to maximize their overall results.
Max P.
As a certified financial planner, I thought this was a great book that does a wonderful job of helping clients understand how to implement risk management alongside their wealth management to maximize their overall results.
Max P.
As a certified financial planner, I thought this was a great book that does a wonderful job of helping clients understand how to implement risk management alongside their wealth management to maximize their overall results.
Max P.
Tom Wall doesn’t waste any of the reader’s time, he jumps right in and provides the reader with the tools needed to reduce the financial hardships facing today’s working class with his tips of money management.
Brad
Tom Wall doesn’t waste any of the reader’s time, he jumps right in and provides the reader with the tools needed to reduce the financial hardships facing today’s working class with his tips of money management.
Brad
Tom Wall doesn’t waste any of the reader’s time, he jumps right in and provides the reader with the tools needed to reduce the financial hardships facing today’s working class with his tips of money management.
Brad
This book is spot on. Toms insights were extremely informative and he made everything simple!
Maria
This book is spot on. Toms insights were extremely informative and he made everything simple!
Maria
This book is spot on. Toms insights were extremely informative and he made everything simple!
Maria
Tom , you hit on the head! It's a shame this is not conventional wisdom and competing forces detract from a strategy that is really rather simple and beneficial to all who follow.
Glenn G.
Tom , you hit on the head! It's a shame this is not conventional wisdom and competing forces detract from a strategy that is really rather simple and beneficial to all who follow.
Glenn G.
Tom , you hit on the head! It's a shame this is not conventional wisdom and competing forces detract from a strategy that is really rather simple and beneficial to all who follow.
Glenn G.
Tom does a great job of using data to lay out a powerful narrative about how you can use life insurance to maximize your retirement!
Caleb G.
Tom does a great job of using data to lay out a powerful narrative about how you can use life insurance to maximize your retirement!
Caleb G.
Tom does a great job of using data to lay out a powerful narrative about how you can use life insurance to maximize your retirement!
Caleb G.
Tom’s insights helped me move pass “disaster” planning and begin working towards setting up a retirement I can look forward to enjoying without constant worry.
Seth
Tom’s insights helped me move pass “disaster” planning and begin working towards setting up a retirement I can look forward to enjoying without constant worry.
Seth
Tom’s insights helped me move pass “disaster” planning and begin working towards setting up a retirement I can look forward to enjoying without constant worry.
Seth
Are You an Advisor? Order in Bulk for Your Clients
*Please allow two weeks for delivery*
Are You an Advisor? Order in Bulk for Your Clients
*Please allow two weeks for delivery*
Are You an Advisor? Order in Bulk for Your Clients
*Please allow two weeks for delivery*
"One of the best books I've read to help maximize your retirement income."
"One of the best books I've read to help maximize your retirement income."
- "
Great Book, Easy Read!
I'm not normally big on finance or help books, but Tom Wall's permission to spend was worth leaving a review. Time breezed by fast for a very educational book that opened my eyes to a lot about retirement planning. Hoping he produces more on other topics too!
Dan
- "
Knowledge like this is the Currency of the Future.
Dr. Wall's recommendations are spot on. The financial techniques and tools in this guidebook will enhance your life and the lives of those you love.
Jeff White
- "
Practical Financial Advice
This book is filled with practical financial advice from someone who doesn't follow the herd and has done his own research. As the author states, most financial planners focus on the accumulation phase and never prepare their clients for the distribution phase. Great overall book.
Max P.
- "
Informative Easy Read
Read this book on a flight. It was packed with great information. Helpful to gain confidence in spending in retirement, instead of worrying.
Scott W.
- "
Great Book, Easy Read!
I'm not normally big on finance or help books, but Tom Wall's permission to spend was worth leaving a review. Time breezed by fast for a very educational book that opened my eyes to a lot about retirement planning. Hoping he produces more on other topics too!
Dan
- "
Knowledge like this is the Currency of the Future.
Dr. Wall's recommendations are spot on. The financial techniques and tools in this guidebook will enhance your life and the lives of those you love.
Jeff White
- "
Practical Financial Advice
This book is filled with practical financial advice from someone who doesn't follow the herd and has done his own research. As the author states, most financial planners focus on the accumulation phase and never prepare their clients for the distribution phase. Great overall book.
Max P.
- "
Informative Easy Read
Read this book on a flight. It was packed with great information. Helpful to gain confidence in spending in retirement, instead of worrying.
Scott W.
- "
Great Book, Easy Read!
I'm not normally big on finance or help books, but Tom Wall's permission to spend was worth leaving a review. Time breezed by fast for a very educational book that opened my eyes to a lot about retirement planning. Hoping he produces more on other topics too!
Dan
- "
Knowledge like this is the Currency of the Future.
Dr. Wall's recommendations are spot on. The financial techniques and tools in this guidebook will enhance your life and the lives of those you love.
Jeff White
- "
Practical Financial Advice
This book is filled with practical financial advice from someone who doesn't follow the herd and has done his own research. As the author states, most financial planners focus on the accumulation phase and never prepare their clients for the distribution phase. Great overall book.
Max P.
- "
Informative Easy Read
Read this book on a flight. It was packed with great information. Helpful to gain confidence in spending in retirement, instead of worrying.
Scott W.
- "
AMAZING READ!
This book is spot on. Toms insights were extremely informative and he made everything simple! It’s a quick read, and I would highly recommend it to anyone looking to learn more about saving for retirement!
Maria
- "
Great Read for Financial Advisors and Individuals Alike
As a certified financial planner, I thought this was a great book that does a wonderful job of helping clients understand how to implement risk management alongside their wealth management to maximize their overall results. I highly recommend it to everyone!
Max
- "
Fantastic Retirement Planning Book
Ive read many of the retirement planning books out there and this is probably my favorite. The book does a great job of keeping things simple while giving detailed examples.
Joel G.
- "
An Excellent Guide to Getting the Most from Your Retirement Assets!
One of the best books I’ve read. Tom does an excellent job simplifying a topic that can become complex and overwhelming. I would highly recommend to anyone looking to learn more about retirement planning and strategies to help them get the most from their assets.
Brian E.
- "
AMAZING READ!
This book is spot on. Toms insights were extremely informative and he made everything simple! It’s a quick read, and I would highly recommend it to anyone looking to learn more about saving for retirement!
Maria
- "
Great Read for Financial Advisors and Individuals Alike
As a certified financial planner, I thought this was a great book that does a wonderful job of helping clients understand how to implement risk management alongside their wealth management to maximize their overall results. I highly recommend it to everyone!
Max
- "
Fantastic Retirement Planning Book
Ive read many of the retirement planning books out there and this is probably my favorite. The book does a great job of keeping things simple while giving detailed examples.
Joel G.
- "
An Excellent Guide to Getting the Most from Your Retirement Assets!
One of the best books I’ve read. Tom does an excellent job simplifying a topic that can become complex and overwhelming. I would highly recommend to anyone looking to learn more about retirement planning and strategies to help them get the most from their assets.
Brian E.
Frequently Asked Questions
What makes this different from other retirement planning books?
Is this book only for financial advisors?
How long does it take to receive my order?
Can I get a discount for larger orders?
Frequently Asked Questions
What makes this different from other retirement planning books?
Is this book only for financial advisors?
How long does it take to receive my order?
Can I get a discount for larger orders?
Frequently Asked Questions
What makes this different from other retirement planning books?
Is this book only for financial advisors?
How long does it take to receive my order?
Can I get a discount for larger orders?
About Tom Wall
Meet
Tom Wall
About Tom Wall
Tom Wall has spent the entirety of his 22-year career positioning whole life insurance and competing against its alternatives. Starting in college as an award-winning advisor with Northwestern Mutual before moving his practice to MassMutual, he subsequently grew his career in prominent home office roles in sales and marketing leadership. In those roles, he developed into a renowned storyteller and product expert at perennial company conferences and firm meetings nation-wide.
Tom’s Ph.D. is in retirement income planning, with original research on Whole Life as a Fixed Income Alternative under the advisement of industry thought leaders Wade Pfau, Michael Finke, and Stephen Parrish. His focus on academic integrity and decades of sales experience combine to make him a uniquely credible and inspirational voice in the life insurance space.
Tom now coaches and consults with financial advisors, hosts the Whole Life Masterminds study group, and has published his first book titled “Permission to Spend: Maximize Your Retirement with the Best Kept Secret in Personal Finance.” Tom lives in the greater Boston area with his two sons age 14 & 11, and is an avid golfer and traveler.
Tom Wall has spent the entirety of his 22-year career positioning whole life insurance and competing against its alternatives. Starting in college as an award-winning advisor with Northwestern Mutual before moving his practice to MassMutual, he subsequently grew his career in prominent home office roles in sales and marketing leadership. In those roles, he developed into a renowned storyteller and product expert at perennial company conferences and firm meetings nation-wide.
Tom’s Ph.D. is in retirement income planning, with original research on Whole Life as a Fixed Income Alternative under the advisement of industry thought leaders Wade Pfau, Michael Finke, and Stephen Parrish. His focus on academic integrity and decades of sales experience combine to make him a uniquely credible and inspirational voice in the life insurance space.
Tom now coaches and consults with financial advisors, hosts the Whole Life Masterminds study group, and has published his first book titled “Permission to Spend: Maximize Your Retirement with the Best Kept Secret in Personal Finance.” Tom lives in the greater Boston area with his two sons age 14 & 11, and is an avid golfer and traveler.
Tom Wall has spent the entirety of his 22-year career positioning whole life insurance and competing against its alternatives. Starting in college as an award-winning advisor with Northwestern Mutual before moving his practice to MassMutual, he subsequently grew his career in prominent home office roles in sales and marketing leadership. In those roles, he developed into a renowned storyteller and product expert at perennial company conferences and firm meetings nation-wide.
Tom’s Ph.D. is in retirement income planning, with original research on Whole Life as a Fixed Income Alternative under the advisement of industry thought leaders Wade Pfau, Michael Finke, and Stephen Parrish. His focus on academic integrity and decades of sales experience combine to make him a uniquely credible and inspirational voice in the life insurance space.
Tom now coaches and consults with financial advisors, hosts the Whole Life Masterminds study group, and has published his first book titled “Permission to Spend: Maximize Your Retirement with the Best Kept Secret in Personal Finance.” Tom lives in the greater Boston area with his two sons age 14 & 11, and is an avid golfer and traveler.
Tom Has Been a Featured
Keynote Speaker at Events Hosted By
These Companies or Their Affiliated Firms:
Tom Has Been a Featured
Keynote Speaker at Events Hosted By
These Companies or Their Affiliated Firms:
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