Hi Richard, Thank you for your articles. There are very helpful to me and for the first time in my life I get financial support that I understand and where I don’t have to worry that he/she will take an advantage of me. Especially when it comes to retirement plans and insurances I’m confused what to choose, who to trust and how to compare the products, especially regarding the hidden fees. Now you are giving advices and links that are very helpful if you are a US citizens. What would you recommend to me as a German citizen regarding retirement plans