[Review] The Guru Gap (David McKnight) Summarized.

The Guru Gap (David McKnight)

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The Guru Gap by David McKnight is a personal finance and retirement planning book that challenges the simplified advice often promoted by mainstream financial personalities. Written for retirees, near-retirees, and financial advisors, it argues that popular rules of thumb can be inadequate or even harmful when applied to real retirement decisions. McKnight presents retirement income planning as a problem that requires math, tax awareness, and individualized strategy rather than slogans or one-size-fits-all formulas. The book focuses on how to protect savings from sequence-of-returns risk, future tax increases, and the possibility of living longer than expected. It also examines tools such as Roth conversions, fixed indexed annuities, cash value life insurance, and long-term stock market investing, not as stand-alone fixes but as parts of a coordinated plan. Its purpose is to help readers move beyond comforting but oversimplified guidance and toward a more disciplined framework for retirement security.