Richard Aguirre helps pre-retirees and retirees plan for retirement, income planning, Social Security strategies, 401k & IRA Rollovers, ROTH conversions, legacy planning concepts, annuities, life insurance, and precious metals. Richard Aguirre and My Retirement Nest do not give any legal, tax, Social Security, or investment advice. You are encouraged to consult your tax advisor, CPA, attorney, or the Social Security Administration.