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About the Author
Prior to his rather late entry into the
financial services industry at age 48, “Free
Money Guy®” Stephen Kelley had spent
his career as an entrepreneur, journalist,
business consultant, and educator. With a
strong background in finance, and
believing he knew something about
money, he was shocked to find out not
only how much he actually didn’t know
about personal financial planning, but how much isn’t disclosed to the average consumer by the
financial services community. Thus, began his true passion in life. Through his books, radio shows,
newspaper columns, college workshops, and financial planning practice, Steve has helped thousands
of Baby Boomers and retirees learn the truth and gain a stronger financial footing, making it possible
for them to build dependable, steadfast and unfailing retirement plans.
He can be heard with his co‐host Mark Perkins, on the Free to Retire Radio Hour on radio stations
throughout New England. In addition, Steve is author of the books, “Ready, Set, Retire,” “Tell Me
When You’re Going to Die,” “Safe Harbors That Can Reduce Taxes, Remove Risk and Protect Your
Retirement,” and “Retirement Planning Riches,” all available on Amazon.com, FreeMoneyGuys.com,
and selected fine bookstores.
Steve is founder and president of Safety First Financial Planners, and Coach Capital Management,
located at 33 Main Street in Nashua, NH. Reach him at 603‐881‐8811, or online at
www.FreeMoneyGuys.com.
Listen to Stephen Kelley every Saturday morning at 7:00 on WGIR, AM
610, Manchester, and every Sunday at noon on WCAP, 790 AM, Lowell.
Purchase his books or set an appointment at
www.TheGreat401kRipoff.com
Sporadic Personalized Advice
22 www.TheGreat401kRipoff.com