Your company sponsored retirement plan is not working as you hoped it would since you enrolled many years ago. Your investment returns and growth of your retirement plan has not kept up with the annual investment returns in the U.S. stock markets—even with the addition yearly contributions from both you and your company. And you are closer and closer to retirement age. In recent years, you have been tested in your capacity for the stock market risk you take with your retirement money like no other time in history. And that trend is likely to continue. Don't continue to ride the stock market roller coaster and see your retirement plan value go up and down in value on a whim. Clearly, there have been times to be offensive in your efforts to build the wealth in your retirement plan the last few years. More importantly, there have been times where a defensive stock market approach would have served you better. This book will give you the tools necessary to know the best investment policy for your company retirement plan account in any stock market condition. Included are the updates to recent legislative changes that allow retirement plan participants to pay for retirement plan advice in pre-tax dollars directly from their retirement plan account. Also included are the locations and details of websites that offer the best tools available that will help you make better investment decisions on the mutual funds in your company retirement plan menu.