Author: Dr. David Eifrig, DailyWealth.com

It’s a great way to protect your portfolio from a potential decline…and still profit from the upside in stocks.

More than half of Americans have less than $10,000 saved for retirement, according to GoBankingRates. And in an article in the New York Times, an economics professor estimated that nearly half of middle-class workers will be “poor or near poor” in retirement, living on a food budget of about $5 per day. This is why it’s so important to start building your nest egg, and the sooner you can start, the better.

Eventually, whether it’s in the next month or year or two, the market will turn on all of us. Here’s how to handle it…

Stick It to the Taxman and Avoid the ‘Death Tax’
When you die, the federal government taxes a portion of your estate. The tax rate can be as high as 40%. But no matter what happens with the death tax, we have a way to shield nearly $11 million from the IRS’ death tax right now…

This will greatly lower your risk…