The Other Side of Medal: Retirement Income Strategies Your Advisors Never Showed You

You saved for forty years. You did everything right. So why does the IRS get to decide how much of it you keep?Every dollar sitting in your traditional IRA or 401(k) has a silent partner. You never met them. They were never introduced. But they signed on the day you made your first contribution - and they will collect their share the moment you start spending yours.This book is about the other side of that deal. The side nobody showed you when you were busy saving.Inside you will find the retirement income strategies that most Americans never see - not because they are complicated, but because the industry that manages your money profits more from selling products than from building plans. Roth conversion windows. RMD timing. Social Security coordination. The widow penalty. The tax torpedo. The guaranteed income floor that changes everything.These are legal strategies. They have existed for decades. They are simply never shown to the people who need them most.Lyubim Kogan came to the United States at seventeen with nothing. He became the first full-time student at NYU Stern to qualify for the Olympic Games. He survived September 11th. As a Registered Investment Advisor Mr. Kogan guided every client through the 2008 financial crisis without a single net loss. He co-authored a bestseller with Steve Forbes, spoke at the UN headquarters in NYC, and lead a nationwide company during war time in Ukraine. Then, three months before turning fifty, a drone attack turned everything he had built into toxic ash in one single night.He rebuilt at fifty. This book is the first in the series about sharing how a life time of major failures and huge wins shaped Mr. Kogan's view on risk.The Other Side of the Medal is for anyone who has worked hard, saved diligently, and suspects that the system was never fully explained to them. It is for the widow who just lost her husband and discovered a tax cliff nobody warned her about. It is for the business owner who built everything and has no exit plan. It is for the retiree sitting across from an advisor who keeps recommending products instead of answers.Every medal has two sides. Most people only ever see one.FoundMoney.Solutions