Part II explains the second phase of wealth women experience when you?re finally ready to spend and enjoy your hard-earned money. It can be costly if one has not properly planned for its occurrence. Income taxes, early withdrawal penalties, sales changes, restrictions or inflationary pressures can substantially reduce the amount of one?s wealth available for distribution. Personal planning helps you in your objective to overcome these eroding forces. ? Income taxes ? Lost Opportunity Costs ? Restrictions ? Inflation ? Penalties ? Market Fluctuations ? Life Mortality ? Potential Lawsuits Facilitator: Tara Nolan, Tara Nolan Advisory Services, ltd