If you knew there were things you could do today to improve your lifestyle both now and in the future, why would you wait? In fact, if you could see into the future to learn how much more wealth you might generate with just a few tweaks and adjustments to your current course to get you on an optimal course, would you act? After all, every day you wait has a compounding effect on your wealth improvement in the long run.

Last week during her Congressional testimony before the House, Fed Chair Janet Yellen did a good job of expressing the Central Bank's view that interest rates needed to rise eventually and she did so without jarring the markets. Since the financial crisis of 2008 and 09 the Federal Reserve has pulled out all the stops to keep the US economy moving ahead. The last and most controversial phases of their policy were labeled QE1, 2, and 3, short for Quantitative Easing.

Two and a half years ago we published a Brief titled with the same question. Remarkably, it still attracts readers to this day. The question is both a simple one, often evoking just as simple and quick an answer "NO," while at the same tugging at our logic, values, beliefs, and view of the world.

Whether planning for it years ahead or slamming into the possibility through an unexpected layoff, retirement can be a scary concept for most of us. There are the obvious questions of wealth: specifically, will we have enough to maintain a comfortable lifestyle for our remaining years,...