PERMISSION TO SPEND Maximize your retirement with the best-kept secret in

PERMISSION TO SPEND Maximize your retirement with the best-kept secret in PERMISSION TO SPEND Maximize your retirement with the best-kept secret in PERMISSION TO SPEND Maximize your retirement with the best-kept secret in

Eliminate fear from your retirement, minimize taxes, take control and gain the Permission to Spend your hard-earned money.

Buy Now!

PERMISSION TO SPEND Maximize your retirement with the best-kept secret in

PERMISSION TO SPEND Maximize your retirement with the best-kept secret in PERMISSION TO SPEND Maximize your retirement with the best-kept secret in PERMISSION TO SPEND Maximize your retirement with the best-kept secret in

Eliminate fear from your retirement, minimize taxes, take control and gain the Permission to Spend your hard-earned money.

Buy Now!

RETIREMENT PLANNING SIMPLIFIED

You will be afraid to spend. Millions of Americans are under-enjoying their retirement because they’re afraid of the “what-ifs” that could derail their best-laid plans. They’re afraid of what happens if they live too long, markets crash or they require expensive ongoing care that their plans cannot support. They’re afraid of running out of money at a time when doing so would be catastrophic. These people are victims of an industry that has been seduced by the sexiness of  accumulating investments, with no regard for how to use them later in life. 

With a modern twist on a centuries-old strategy, this book will  help you understand how to begin with the end in mind and set up your finances to maximize income during your lifetime, while ensuring your goals are protected.


Discover the strategies to optimize your savings, minimize taxes, and create multiple sources of guaranteed income for a fulfilling retirement. Learn how to maximize your spending early on and reduce reliance on traditional banking.


 In Permission to Spend, you will learn
• How much you need to be saving to reach retirement
• Ways to optimize your savings and investments while avoiding excessive taxes
• Risks to your retirement and an understanding of safe withdrawal rates
• 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
• Opportunities to reduce your reliance on traditional banks
• What to look for when seeking an advisor
• Where to go next to design your ideal retirement and achieve Permission to Spend. 

NEED BOOKS IN BULK?

25 book package *Please allow for a two-week lead time

Was $474.50 - Now $399

Buy Now

50 book package *Please allow for a two-week lead time

Was $949 - Now $649

Buy Now

100 book package *Please allow for a two-week lead time

Was $1899 - Now $999

Buy Now

About the Author

Tom Wall a Ph.D. with 22 years of experience.

 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 & 1 and is an avid golfer and traveler. 

This best kept secret in finance will enhance your retirement take it from some of our readers!

    1/4

    Join our list for future info

    Sign up here

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Cancel

    Connect with Tom on Social

    Copyright © 2025 Permission to Spend - All Rights Reserved.

    This website uses cookies.

    We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

    Accept