Join Patricia as she interviews John Graves CLU, CHFC, manager of some $400 million in assets, and editor of The Retirement Journal, will discuss retirement tips for businesses and employees in these tough times. Both small business employees and employers have concerns about affording retirement.  John Graves, CLU, CHFC will discuss solutions for both businesses and individuals, working with the basics of time, objective information and common sense through his new book "The 7% Solution" (January 2012).

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