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Where did the chip on the author's shoulder come from, such that he wants to protect business owners as they exit for retirement? The chip comes all of the way from the rough-and-tumble streets of Boston to the exclusive offices of private wealth management in Palm Beach.

Callanan takes the listener through his painful roller-coaster journey of generational alcoholism, bullying, and drug addiction as a youth. The book also includes him finding his faith in God. This faith helped him to deal with a baseball bat accident that took the life of a classmate, a family suicide, and more than one business market crash.

The author presents a well-researched argument that Wall Street is operating from a broken 50-year-old model. This broken model will disappoint retirees as they age unless they make risk management a priority in their family portfolios.

This very personal and vulnerable story is told so that the retirement income planning paradigm for business owners is transformed. Callanan wants to educate people how to exit for all they are worth. It's an insider's view that although the odds are against the client, something can be done about it. Nothing is left off the table. The people need to know. This is a must-listen for anyone who wants to make sure they are not getting bullied by their financial institutions into taking less than they deserve.