In the current market of retirement planning, there is predominantly a lack of holistic, sustainable, and needs-based advice. Insurers, agencies, and brokers pursue a product-oriented consulting approach, which causes significant damage both to individual clients and to the economy as a whole. This book provides an introduction to the paradigm shift: moving away from product sales towards concept sales. Only those who recognize that clients are dissatisfied with a mere collection of retirement products and instead desire sustainable, plausible, and reliable retirement concepts will secure both their clients' personal futures and their own business foundation through follow-up and referral business. It includes concrete recommendations for daily consulting practice.