Over the years there is one truth that we have been compiling facts, applying our knowledge and simplifying for the sharing with the public. This truth is called "The Retirement Myth™". It shows in great detail why averages are misleading. People must understand why averages are misleading and the difference between average and actual return. People are making three errors in their retirement planning by making decisions using average returns. The first two are in the accumulation stage and the last one is in the retirement stage.

• First, they are choosing their investments based on the investments' history, which is determined by using average returns.
• Second, their initial retirement projections may be incorrect if their "nest egg" number was determined by using an average return.
• Third, the percentage that you can use from the accumulated money at retirement will be dramatically less than expected because of the lack of understanding of average return vs. actual return.