Author Sean Kelly is a sharp thinker who's made it his mission to help people navigate the tricky world of retirement planning. In his new book, "The IUL Book (Indexed Universal Life Insurance): Unveiling Retirement Realities," he pulls back the curtain on the often-hidden problems with traditional retirement plans like 401(k)s. Kelly doesn't just point out the risks; he offers clear advice on how to build a solid financial future. This book is a must-read for anyone worried about their retirement.