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Approaching Retirement
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Book Synopsis Safety-First Retirement Planning by : Wade Donald Pfau
Download or read book Safety-First Retirement Planning written by Wade Donald Pfau and published by Retirement Researcher Guid. This book was released on 2019-10 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful. This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan.
Book Synopsis Retirement by Design by : Ida Abbott
Download or read book Retirement by Design written by Ida Abbott and published by Simon and Schuster. This book was released on 2020-03-10 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: Find out how harnessing the powerful business principles of design thinking can make retirement your best chapter in life. There is no one right time or way to retire. Retirement is a major life transition; but if you spend the time designing a future filled with promise and possibilities, the prospect can be utterly exciting and revitalizing. In Retirement by Design, professional mentor and coach Ida Abbott shows you how the innovative business principles behind design thinking can be applied to plan a rich, fulfilling, and more meaningful retirement. Her guided workbook uses a business-like approach to leaving business, making your switch much smoother and less jolting. Whether you’re considering a new place to settle down, working through financial planning, strategizing how to unwind a business, or deciding on which organizations you want to stay engaged with, making critical decisions takes a lot of organization, thought, and planning. Abbott shows how the five principles of design thinking will revolutionize your retirement-planning process: Empathy: Get inside the shoes of your future self. What will be important to that version of you? Define: Hone in on what is and will be most critical for you to focus on (whether it’s volunteering, family, activities, or skills). Ideate: Draw, scribble, brainstorm, and throw around as many different retirement scenarios as you can come up with. Prototype: If retiring across the country in Arizona sounds perfect—try it out first. Come up with opportunities to test out your scenarios with short trips and trial time off. Test: This is the fun part—get back to the drawing board and try more retirement scenarios (and future versions of yourself) before sitting down to make those life-changing decisions. The new and innovative, self-coaching approach of Retirement by Design helps you spearhead and navigate a major next step in life. Whether your retirement is 10 years away or swiftly approaching, this workbook ensures you will create a future that is perfectly tailored to you.
Book Synopsis Rescuing Retirement by : Teresa Ghilarducci
Download or read book Rescuing Retirement written by Teresa Ghilarducci and published by Columbia Business School Publi. This book was released on 2018 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Rescuing Retirement, Teresa Ghilarducci and Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. It offers a practical guide to the future of secure retirement.
Book Synopsis An Uncommon Guide to Retirement by : Jeff Haanen
Download or read book An Uncommon Guide to Retirement written by Jeff Haanen and published by Moody Publishers. This book was released on 2019-05-07 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: What am I going to do with my retirement? People talk about retirement like it’s supposed to be an endless vacation. But what if, like the majority of those facing retirement, you can’t afford such a luxury? Or, what if you just want something more from retirement? Some advocate for no retirement at all. But you’ve worked for decades and a rest and reprieve do sound appealing. What should you do? Does God have a purpose for your retirement? Yes, He does. Learn how to discern what it is by taking an uncommon approach. Jeff Haanen looks biblically and practically at the need for rest and purpose in retirement. And teaches you how to: Take a sabbatical rest in early retirement Listen to God’s voice for their calling in retirement Rethink “work” in retirement Understand family systems and leaving a legacy Planning retirement doesn’t have to be distressing. Retire in a way that’s God-honoring, purpose-filled, restful, and truly biblical.
Book Synopsis Happy Retirement: The Psychology of Reinvention by : DK
Download or read book Happy Retirement: The Psychology of Reinvention written by DK and published by Penguin. This book was released on 2016-01-05 with total page 389 pages. Available in PDF, EPUB and Kindle. Book excerpt: A practical, fully illustrated guide to planning and enjoying retirement, grounded in psychological research. Retirement can bring immense fulfillment but also can be a source of stress, especially today. Retirement: The Psychology of Reinvention uses psychological research and a unique visual style of infographics and illustrations to provide readers with a retirement roadmap just right for them. Fully illustrated, with constructive advice for all retirees — whatever the age and circumstances — and inspirational guidance from a wealth of sources, Retirement: The Psychology of Reinvention answers all the questions readers are likely to ask at any stage of retirement.
Book Synopsis Taking the Mystery Out of Retirement Planning by :
Download or read book Taking the Mystery Out of Retirement Planning written by and published by DIANE Publishing. This book was released on 2007-10 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: The key to a comfortable retirement is planing well in advance. Yet a recent survey indicates that with the "Baby Boom" generation approaching retirement age, less than half of Amer. have calculated how much they will need to save for retirement. To help Amer. prepare for retirement, the U.S. Dept. of Labor has developed this book. The info. contained here is valuable to everyone, but the book is specifically designed to help those who are about a decade from retirement. Contents: Planning for a Lifetime; Tracking Down Today's Money; Tracking Down Future Money at Retirement & After; Tracking Down Future Expenses; Comparing Income & Expenses; Making Your Money Last; & Tracking Down Help for Retirement Resources. Large print. Illus.
Book Synopsis The 5 Years Before You Retire, Updated Edition by : Emily Guy Birken
Download or read book The 5 Years Before You Retire, Updated Edition written by Emily Guy Birken and published by Simon and Schuster. This book was released on 2021-05-11 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn everything you need to do in the next five years to create a realistic plan for your retirement with clear, practical advice that is sure to set your future up for success. Most people don’t realize they haven’t saved enough for their retirement until their sixties and by then, it’s often too late to save enough for a comfortable retirement. The 5 Years Before You Retire has helped thousands of people prepare for retirement—even if they waited until the last minute. In this new and updated edition, you’ll find out everything you need to do in the next five years to maximize your current savings and create a realistic plan for your future. Including recent changes in financial planning, taxes, Social Security, healthcare, insurance, and more, this book is the all-inclusive guide to each financial, medial, and familial decision. From taking advantage of the employer match your company offers for your 401k to enrolling in Medicare to discussing housing options with your family, you are completely covered on every aspect of retirement planning. These straightforward strategies explain in detail how you can make the most of your last few years in the workforce and prepare for the future you’ve always wanted. Whether you just started devising a plan or have been saving since your first job, The 5 Years Before You Retire, Updated Edition, will tell you exactly what you need to know to ensure you live comfortably in the years to come.
Book Synopsis Over 65 and Still in Demand by : Kris Moller
Download or read book Over 65 and Still in Demand written by Kris Moller and published by Partridge Publishing Singapore. This book was released on 2013-08-21 with total page 371 pages. Available in PDF, EPUB and Kindle. Book excerpt: From early in life many of us begin to dream about how we will spend our retirement years. Travelling, turning an avocation into a vocation, and spending more time with the family whilst remaining healthy and purposefully engaged are among popular retirement goals. for many, however, they remain dreams, since as many as 70 percent of baby boomers may not retire on time. In Over 65 and Still in Demand, author Kris Moller looks at the various facets of retirement. Moller's work is guided by the broader concepts of retirement: why one retires; why one would want to retire; what one does in retirement; and why some people find an easy rhythm into retirement, while for others it is an ongoing nightmare. He also reflects on what worries someone nearing retirement age and how the economy, inflation and health matters will erode your nest egg. for those who are able to retire, Moller provides a roadmap of the eight areas to address for a purposeful retirement and six steps to follow to arrive at what to do with your day. and for those who do not--or cannot--retire "on time," he explores ways to remain relevant in the job market. This guide combines the hindsight of experience and age with knowledge and research to help you prepare for the retirement you deserve.
Book Synopsis The Experience of Retirement by : Robert S. Weiss
Download or read book The Experience of Retirement written by Robert S. Weiss and published by Cornell University Press. This book was released on 2018-05-31 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement brings with it the promises of leisure and freedom as well as the risks of boredom and isolation. When retirees rid their schedules of anything resembling the kinds of obligations that once had been imposed by work, they will experience a sometimes-uncomfortable absence of structure. In The Experience of Retirement, the distinguished sociologist Robert S. Weiss provides a detailed description of how some people plan their retirement, what life in retirement is like, and what makes for a fulfilling retirement. His engaging book can thus serve as a most useful guide. Weiss shows us both retirement's benefits and its possible costs, both the relief retirees can feel once free of work's stresses and constraints and the discomfort that can be caused by loss of the positive aspects of working life.The book is based on extensive interviews with eighty-nine men and women before and after their retirement from middle-income careers. Weiss makes vivid their experiences by presenting, in their own words, their descriptions of leaving their careers, considering what to do with their time, confronting issues of income in retirement, dealing, sometimes, with social isolation, and reorganizing their lives. The interviews reveal the way in which retirement affects marriages and other familial relationships. Weiss concludes by presenting advice about retirement based on the actual experiences of retirees. For anyone approaching the age of retirement or already retired and looking for a more satisfying post-career life, for personnel managers, health care professionals, and all those who provide services for the retired, The Experience of Retirement will be an illuminating guidebook to this phase of life.
Book Synopsis Getting Ready for Retirement by : Tina Manion
Download or read book Getting Ready for Retirement written by Tina Manion and published by iUniverse. This book was released on 2008-02 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are You Ready to Retire? If you are in your 50's or 60's and approaching retirement, this book is a must for you! Within the next two decades, 75 million baby boomers are expected to retire. They are redefining retirement. They will live long than previous generations. This book will help pre-retirees begin envisioning their retirement now. Getting Ready for Retirement will give you insight and answers to a multitude of frequently asked questions such as: - When is the best time to retire? - Should I relocate and if so, where is the best place to retire? - Do I need or want to continue to work during retirement? - What will give me meaning and purpose during retirement? - What travel and senior discounts are available to me? - How can I be assured of a reliable retirement income? This valuable resource guide will help you prepare in advance for a quality of life in this exciting new phase of your life for the rest of your life.
Book Synopsis How To Retire Happy: Everything You Need to Know about the 12 Most Important Decisions You Must Make before You Retire by : Stan Hinden
Download or read book How To Retire Happy: Everything You Need to Know about the 12 Most Important Decisions You Must Make before You Retire written by Stan Hinden and published by McGraw Hill Professional. This book was released on 2001-01-09 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: Nearly 2 million Americans reach retirement age each year. Before anyone can begin to enjoy all the leisure time ahead, there are difficult decisions to be made about a host of crucial issues, such as Social Security, HMOs, insurance, and estate planning. Written by award-winning Washington Post financial reporter and syndicated columnist, Stan Hinden, How to Retire Happy arms anyone approaching retirement with easy-to-comprehend answers to all their complicated questions. How to Retire Happy: • Provides practical advice and guidance on the 12 most complicated decisions to make before retiring • Covers all the bases, from where to live to how to invest, from health insurance to taking money out of IRAs • Goes beyond financial planning to offer practical advice on the key emotional and psychological issues surrounding retirement
Book Synopsis Your Retirement Income Blueprint by : Dick Diamond
Download or read book Your Retirement Income Blueprint written by Dick Diamond and published by John Wiley & Sons. This book was released on 2011-04-15 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: As more and more Canadian boomers are approaching retirement, the transition from accumulating assets in their working years to creating a reliable stream of income in retirement is becoming a top-priority issue for a huge segment of the population. Your Retirement Income Blueprint is an antidote for Canadians who are generally ineptly advised, under-serviced, and over-charged by advisors on planning retirement income. Based on the author's specialized experience in retirement income planning, this book will help readers to work through the many stages of their retirement and adapt their income plans to account for constantly changing health and family issues. The book will help you to: Combine government and personal sources of income most efficiently Determine which assets to use first and which to defer Preserve government benefits and entitlements that are in many cases needlessly wasted or lost Create results that are more survivor- and estate-friendly than traditional approaches Greatly reduce taxes on retirement income and to the aggregate estate. Your Retirement Income Blueprint lays out a six-step process for "taking apart" accumulated assets, making the most out of what you have taken a lifetime to save, and creating an income that lasts as long as you do.
Download or read book Retire Secure! written by James Lange and published by John Wiley & Sons. This book was released on 2009-02-04 with total page 417 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive and easy-to-understand guide to maximizing the benefits of IRAs and retirement assets. Retire Secure, Second Edition offers unbeatable recommendations for addressing the #1 fear facing most readers: Running Out of Money. Retire Secure, Second Edition also shows baby boomers nearing retirement how they can save tens of thousands to over one million dollars by paying taxes later. This practical guide delivers straight forward accumulation and distribution strategies for IRAs, Roth IRAs, the new Roth 401(k) and other retirement plans. More specifically, Lange gives readers tips on how to prepare for expected tax changes in 2010, details on converting to Roth IRAs, New Roth 401(k) and Roth 403(b) rules, and when IRA and retirement plan owners should consider second to die life insurance. Further, this book describes Lange's exceptional estate plan--a plan that has been featured in The Wall Street Journal and many other fine financial journals. This definitive guide enjoys glowing endorsements from Charles Schwab, Larry King, Ed Slott and 60 other financial authors and experts.
Book Synopsis The Single Woman's Guide to Retirement by : Jan Cullinane
Download or read book The Single Woman's Guide to Retirement written by Jan Cullinane and published by John Wiley & Sons. This book was released on 2012-09-05 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: AWARDS: Silver Living Now Book Award, Mature Living/Aging 2014 (Silver) If you’re one of the 25 million single women over the age of 45 living in the United States today, AARP’s The Single Woman’s Guide to Retirement is your new best friend. Walking you through the challenges of retired or pre-retired life, from managing your finances to staying healthy in body, mind, and spirit, dealing with divorce, and even looking for love or work, the book covers the issues that really matter to you. Whether you’re looking for a retirement home or planning a cruise, this book is packed with specific details to help take the guesswork out of retirement. Author and retirement expert Jan Cullinane has gathered real-life stories from women just like you to illustrate your options and give you fresh new ideas about how to make the most of your retirement years.
Book Synopsis The New Retirementality by : Mitch Anthony
Download or read book The New Retirementality written by Mitch Anthony and published by John Wiley & Sons. This book was released on 2010-12-21 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt: With this latest edition of The New Retirementality, readers will quickly discover how to achieve the freedom to pursue their retirement goals?at their own pace, on their own terms?regardless of their age. Most people won't experience the same retirement that their parents did, nor do they necessarily want to. Page by page, top financial planner Mitch Anthony reveals how new opportunities will enable individuals to create tailor-made retirements. He includes new research and studies to back his insights and introduces readers to important concepts such as "wealthcare" and "return on life." Filled with engaging anecdotes and inspirational suggestions, this book will motivate readers to rethink the way they retire.
Book Synopsis Retiring with Attitude by : Eileen Carnell
Download or read book Retiring with Attitude written by Eileen Carnell and published by Guardian Faber Publishing. This book was released on 2014-07 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A practical and inspirational guide to how to enjoy an active, contented and fulfilling retirement.
Book Synopsis The Complete Idiot's Guide to Retirement Planning by : Jeffrey J. Wuorio
Download or read book The Complete Idiot's Guide to Retirement Planning written by Jeffrey J. Wuorio and published by Penguin. This book was released on 2007-12-04 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt: A necessary plan for a secure and comfortable retirement Everyone wants to retire with personal and financial peace of mind. But the question is always: will there be enough money to fund a comfortable lifestyle? That’s where this book comes to the rescue, addressing every conceivable concern—from health care to Social Security—about setting up a sound plan for retirement. And it’s never too late to start. • The Center for Retirement Research at Boston College reports that 43% of Americans fall short of their pre-retirement income • Robert Powell of MarketWatch agrees that “Americans have little set aside for retirement” • Written by a nationally recognized financial expert • Perfect for the nearly eight million baby boomers approaching retirement
