Become Retirement Savvy

Download Become Retirement Savvy full books in PDF, epub, and Kindle. Read online Become Retirement Savvy ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!

The New Retirement Savings Time Bomb

Author : Ed Slott
Publisher : Penguin
ISBN 13 : 014313454X
Total Pages : 450 pages
Book Rating : 4.1/5 (431 download)

DOWNLOAD NOW!

Book Synopsis The New Retirement Savings Time Bomb by : Ed Slott

Download or read book The New Retirement Savings Time Bomb written by Ed Slott and published by Penguin. This book was released on 2021-03-02 with total page 450 pages. Available in PDF, EPUB and Kindle. Book excerpt: AS SEEN ON PUBLIC TELEVISION New for 2021—The complete action plan from Ed Slott, "the best source of IRA advice" (Wall Street Journal), to help you make sure your 401(k)s, IRAs, and retirement savings aren't depleted by taxes by the time you need to use them. If you're like most Americans, your most valuable asset is your retirement fund. We diligently save money for years, yet most of us don't know how to avoid the costly mistakes that cause a good chunk of those savings to be lost to needless and excessive taxation. Now, in the midst of a financial crisis, there is more need than ever to protect your assets. The New Retirement Savings Time Bomb, by renowned tax advisor Ed Slott, shows you in clear-cut layman's terms how to take control over your retirement savings plan. This easy-to-follow plan helps you place your assets to avoid the latest traps set out by congress in addition to any that might be set down the road, so you can keep your hard-earned money no matter what. And, it's fully up-to date with information on the SECURE Act and everything you need to know about how the coronavirus relief bills will affect your savings down the road. This book is required reading for every American with savings and investments who is planning to retire, be it five years from now or fifty.

Fedsavvy

Author : Carol Schmidlin
Publisher : Advantage Media Group
ISBN 13 : 1599322978
Total Pages : 203 pages
Book Rating : 4.5/5 (993 download)

DOWNLOAD NOW!

Book Synopsis Fedsavvy by : Carol Schmidlin

Download or read book Fedsavvy written by Carol Schmidlin and published by Advantage Media Group. This book was released on 2012-01-16 with total page 203 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are your federal benefits at risk? Are we at the point of every man/woman for themselves? FedSavvy will take you through the complexities of the federal retirement system so that you can make informed decisions about your financial future. Federal Employees have some great benefits, however, going through the maze to figure out if you are taking advantage of them can sometimes be complicated. At present, most federal employees are feeling threatened because the Congressional Budget Office is dangling a knife over their benefi ts. Build a meaningful and profi table retirement profi le, by understanding: • How to calculate your CSRS and FERS pension • Documents you will need to have • The best dates to retire • Credit for unused sick leave and annual leave • How does Social Security affect the CSRS annuity • VCP - the best benefi t for CSRS and CSRS Offset • How to not only save but allocate your funds in the Thrift Savings Plan • Sequential Income Planning with TSP • Magic Numbers for TSP • An understanding of the Federal Insurance Programs: FEHB, FEGLI, and FLTCIP

Can I Retire?: How Much Money You Need to Retire and How to Manage Your Retirement Savings, Explained in 100 Pages Or Less

Author : Mike Piper
Publisher : Simple Subjects
ISBN 13 : 9780997946505
Total Pages : 122 pages
Book Rating : 4.9/5 (465 download)

DOWNLOAD NOW!

Book Synopsis Can I Retire?: How Much Money You Need to Retire and How to Manage Your Retirement Savings, Explained in 100 Pages Or Less by : Mike Piper

Download or read book Can I Retire?: How Much Money You Need to Retire and How to Manage Your Retirement Savings, Explained in 100 Pages Or Less written by Mike Piper and published by Simple Subjects. This book was released on 2016-08-30 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt: Find all of the following, explained in plain-English with no technical jargon: How to calculate how much you'll need saved before you can retire How to use annuities to minimize the risk of outliving your money How to choose which accounts (Roth vs. traditional IRA vs. taxable) to withdraw from each year When it makes sense to use a Roth IRA conversion to save on taxes How to choose an appropriate asset allocation for your retirement portfolio How to minimize taxes by proper use of an asset location strategy How to reliably pick winning mutual funds

The Ultimate Retirement Guide for 50+

Author : Suze Orman
Publisher : Hay House, Inc
ISBN 13 : 1401959938
Total Pages : 321 pages
Book Rating : 4.4/5 (19 download)

DOWNLOAD NOW!

Book Synopsis The Ultimate Retirement Guide for 50+ by : Suze Orman

Download or read book The Ultimate Retirement Guide for 50+ written by Suze Orman and published by Hay House, Inc. This book was released on 2020-02-25 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: The instant NEW YORK TIMES BESTSELLER WALL STREET JOURNAL BESTSELLER PUBLISHERS WEEKLY BESTSELLER USA TODAY BESTSELLER #1 PERSONAL FINANCE EXPERT Revised & Updated for 2023 THE PATH TO YOUR ULTIMATE RETIREMENT STARTS RIGHT HERE! Retirement today is more complex than ever before. It is most definitely not your parents' retirement. You will have to make decisions that weren't even part of the picture a generation ago. Without a clear-cut path to manage the money you’ve saved, you may feel like you're all on your own. Except you're not—because Suze Orman has your back. Suze is America's most recognized personal finance expert for a reason. She's been dispensing actionable advice for years to people seeking financial security. Now, in this revised and updated Ultimate Retirement Guide for 50+, which reflects recent changes in retirement rules passed by Congress, Suze gives you the no-nonsense advice and practical tools you need to plan wisely for your retirement in today's ever-changing landscape. You'll find new rules for downsizing, spending wisely, delaying Social Security benefits, and more—starting where you are right now. Suze knows money decisions are never just about money. She understands your hopes, your fears, your wishes, and your desires for your own life as well as for your loved ones. She will guide you on how to let go of regret and fear, and with her unparalleled knowledge and unique empathy, she will reveal practical and personal steps so you can always live your Ultimate Retirement life. "I wrote this book for you," Suze says. "The worried, the fearful, the anxious. I know you need help navigating the road ahead. I've helped steer people toward happy and secure retirements my whole life, and that's exactly what I want to do for you."

Social Security Strategies

Author : William R. Reichenstein
Publisher :
ISBN 13 : 9780615457536
Total Pages : 116 pages
Book Rating : 4.4/5 (575 download)

DOWNLOAD NOW!

Book Synopsis Social Security Strategies by : William R. Reichenstein

Download or read book Social Security Strategies written by William R. Reichenstein and published by . This book was released on 2011 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Hard Times Guide to Retirement Security

Author : Mark Miller
Publisher : John Wiley & Sons
ISBN 13 : 0470908343
Total Pages : 263 pages
Book Rating : 4.4/5 (79 download)

DOWNLOAD NOW!

Book Synopsis The Hard Times Guide to Retirement Security by : Mark Miller

Download or read book The Hard Times Guide to Retirement Security written by Mark Miller and published by John Wiley & Sons. This book was released on 2010-06-15 with total page 263 pages. Available in PDF, EPUB and Kindle. Book excerpt: A timely guide to overcoming the retirement challenges we all face The Great Recession has placed a wake-up call to America's baby boomers. Many have not saved enough for retirement and have not taken a hard look at how many post-work years they may need to finance. Written in a straightforward and accessible style, The Hard Times Guide to Retirement Security tackles the tough questions about retirement in the new post-crash economy. Page by page, it puts retirement in perspective by touching on important issues such as insuring against the risk of outliving your assets, recalibrating damaged retirement portfolios, managing the risk of health-care expenses in retirement, and career strategies for workers who are 50 years old and up. Reveals how to boost lifetime income through better planning, and working just a few additional years Offers advice on how to hire a financial advisor whose first loyalty is to you, not Wall Street Discusses why you should rethink housing in the wake of the real estate crash Offers detailed advice on career reinvention, the 50+ job market and midlife entrepreneurship Engaging and informative, this practical guide provides the strategies needed for a truly fulfilling and secure retirement.

How to Make Your Money Last - Completely Updated for Planning Today

Author : Jane Bryant Quinn
Publisher : Simon & Schuster
ISBN 13 : 1982115831
Total Pages : 432 pages
Book Rating : 4.9/5 (821 download)

DOWNLOAD NOW!

Book Synopsis How to Make Your Money Last - Completely Updated for Planning Today by : Jane Bryant Quinn

Download or read book How to Make Your Money Last - Completely Updated for Planning Today written by Jane Bryant Quinn and published by Simon & Schuster. This book was released on 2020-01-07 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt: NOW COMPLETELY UPDATED to reflect the changes in tax legislation, health insurance, and the new investment realities. In this “highly valuable resource” (Publishers Weekly, starred review) Quinn “provides simple, straightforward” (The New York Times) solutions to the universal retirement dilemma—how to make your limited savings last for life—covering mortgages, social security, income investing, annuities, and more! Will you run out of money in your older age? That’s the biggest worry for people newly retired or planning to retire. Fortunately, you don’t have to plan in the dark. Jane Bryant Quinn tells you how to squeeze a higher income from all your assets—including your social security account (get every dollar you’re entitled to), a pension (discover whether a lump sum or a lifetime monthly income will pay you more), your home equity (sell, rent, or take a reverse mortgage?), savings (how to use them safely to raise your monthly income), retirement accounts (invest the money for growth in ways that let you sleep at night), and—critically—how much of your savings you can afford to spend every year without running out. There are easy ways to figure all this out. Who knew? Quinn also shows you how to evaluate your real risks. If you stick with super-safe investment choices, your money might not last and your lifestyle might erode. The same might be true if you rely on traditional income investments. Quinn rethinks the meaning of “income investing,” by combining reliable cash flow during the early years of your retirement with low-risk growth investments, to provide extra money for your later years. Odds are, you’ll live longer than you might imagine, meaning that your savings will stretch for many more years than you might have planned for. With the help of this book, you can turn those retirement funds into a “homemade” paycheck that will last for life.

Understanding Retirement Planning

Author : Heather Castle
Publisher :
ISBN 13 : 9781516546862
Total Pages : 242 pages
Book Rating : 4.5/5 (468 download)

DOWNLOAD NOW!

Book Synopsis Understanding Retirement Planning by : Heather Castle

Download or read book Understanding Retirement Planning written by Heather Castle and published by . This book was released on 2019-07-29 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: Understanding Retirement Planning provides students with a comprehensive understanding of the real-world applications of retirement planning, as well as an exploration of the opportunities and challenges they will likely face in their career as a retirement planner. As students progress through the five modules within the anthology, they move from learning the basics of retirement planning to develop knowledge and skills centered around holistic retirement planning. They learn the importance of including the emotional, psychological, and financial needs of clients into their planning and how that consideration makes them more effective. Students also examine social programs and explore solutions that can reduce the potential economic impacts of government policy changes aimed at social programs. Readers are challenged to explore common unconscious biases, cultural expectations, and discriminations to better understand how these factors affect financial and retirement planning. The collection also discusses the retirement-planning challenges faced by all clients, including clients that are generally considered underserved, including older/aging workers, women, and LGBTQ+ individuals and couples. A comprehensive and enlightening collection, Understanding Retirement Planning is well suited for courses in financial planning. Heather Castle is a Certified Financial Planner, wealth manager, and the founder and CEO of Castle Wealth Advisors, a company that provides ethical and approachable financial planning and investment management to individuals and business owners regardless of age, sex, or net worth. She is a financial planning lecturer in the Department of Finance at California State University, Northridge. She holds a M.B.A. from the Manderson Graduate School of Business at the University of Alabama.

Survival of the Savvy

Author : Rick Brandon
Publisher : Simon and Schuster
ISBN 13 : 0743262549
Total Pages : 328 pages
Book Rating : 4.7/5 (432 download)

DOWNLOAD NOW!

Book Synopsis Survival of the Savvy by : Rick Brandon

Download or read book Survival of the Savvy written by Rick Brandon and published by Simon and Schuster. This book was released on 2004-12-06 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discusses how to eliminate unethical behavior at the workplace, demonstrating how to master corporate politics ethically through an understanding of political styles and an application of strategies in such areas as networking and idea promotion.

Safety-First Retirement Planning

Author : Wade Donald Pfau
Publisher : Retirement Researcher Guid
ISBN 13 : 9781945640063
Total Pages : 368 pages
Book Rating : 4.6/5 (4 download)

DOWNLOAD NOW!

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.

Breaking Up with Busy

Author : Yvonne Tally
Publisher : New World Library
ISBN 13 : 1608685268
Total Pages : 218 pages
Book Rating : 4.6/5 (86 download)

DOWNLOAD NOW!

Book Synopsis Breaking Up with Busy by : Yvonne Tally

Download or read book Breaking Up with Busy written by Yvonne Tally and published by New World Library. This book was released on 2018-03-20 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: Make the time for what matters most by breaking up with busy Overbooking and under-sleeping have almost become status symbols, and having it all seems to be synonymous with doing it all, yet what do we really accomplish with so much busyness? Yvonne Tally wants to give you back your life by helping you break the busyness habit. She offers realistic, step-by-step, and even fun ways to get off the busyness hamster wheel and reclaim your time. Yvonne shows how the benefits of living a more balanced life can improve your longevity and spiritual well-being. She outlines ways to shift and calm your mind, learn how to say no, and create your own “busy-busting solutions.” With fifty-two refreshers and reminders, Breaking Up with Busy provides incremental ways to change habits, transform thinking, and reconnect with your unique, personal sense of play and pleasure.

The Best Christmas Pageant Ever

Author : Barbara Robinson
Publisher : Samuel French, Inc.
ISBN 13 : 9780573617454
Total Pages : 60 pages
Book Rating : 4.6/5 (174 download)

DOWNLOAD NOW!

Book Synopsis The Best Christmas Pageant Ever by : Barbara Robinson

Download or read book The Best Christmas Pageant Ever written by Barbara Robinson and published by Samuel French, Inc.. This book was released on 1983 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: The six mean Herdman kids lie, steal, smoke cigars (even the girls) and then become involved in the community Christmas pageant.

The Dumb Things Smart People Do with Their Money

Author : Jill Schlesinger
Publisher : Ballantine Books
ISBN 13 : 0525622187
Total Pages : 290 pages
Book Rating : 4.5/5 (256 download)

DOWNLOAD NOW!

Book Synopsis The Dumb Things Smart People Do with Their Money by : Jill Schlesinger

Download or read book The Dumb Things Smart People Do with Their Money written by Jill Schlesinger and published by Ballantine Books. This book was released on 2020-02-04 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: You’re smart. So don’t be dumb about money. Pinpoint your biggest money blind spots and take control of your finances with these tools from CBS News Business Analyst and host of the nationally syndicated radio show Jill on Money, Jill Schlesinger. “A must-read . . . This straightforward and pleasingly opinionated book may persuade more of us to think about financial planning.”—Financial Times Hey you . . . you saw the title. You get the deal. You’re smart. You’ve made a few dollars. You’ve done what the financial books and websites tell you to do. So why isn’t it working? Maybe emotions and expectations are getting in the way of good sense—or you’re paying attention to the wrong people. If you’ve started counting your lattes, for god’s sake, just stop. Read this book instead. After decades of working as a Wall Street trader, investment adviser, and money expert for CBS News, Jill Schlesinger reveals thirteen costly mistakes you may be making right now with your money. Drawing on personal stories and a hefty dose of humor, Schlesinger argues that even the brightest people can behave like financial dumb-asses because of emotional blind spots. So if you’ve saved for college for your kids before saving for retirement, or you’ve avoided drafting a will, this is the book for you. By following Schlesinger’s rules about retirement, college financing, insurance, real estate, and more, you can save money and avoid countless sleepless nights. It could be the smartest investment you make all year. Praise for The Dumb Things Smart People Do with Their Money “Common sense is not always common, especially when it comes to managing your money. Consider Jill Schlesinger’s book your guide to all the things you should know about money but were never taught. After reading it, you’ll be smarter, wiser, and maybe even wealthier.”—Chris Guillebeau, author of Side Hustle and The $100 Startup “A must-read, whether you’re digging yourself out of a financial hole or stacking up savings for the future, The Dumb Things Smart People Do with Their Money is a personal finance gold mine loaded with smart financial nuggets delivered in Schlesinger’s straight-talking, judgment-free style.”—Beth Kobliner, author of Make Your Kid a Money Genius (Even If You’re Not) and Get a Financial Life

Raising Your Money-Savvy Family For Next Generation Financial Independence

Author : Doug Nordman
Publisher :
ISBN 13 : 9781735066127
Total Pages : pages
Book Rating : 4.0/5 (661 download)

DOWNLOAD NOW!

Book Synopsis Raising Your Money-Savvy Family For Next Generation Financial Independence by : Doug Nordman

Download or read book Raising Your Money-Savvy Family For Next Generation Financial Independence written by Doug Nordman and published by . This book was released on 2020-08 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Disruptive Impact of FinTech on Retirement Systems

Author : Julie Agnew
Publisher : Oxford University Press
ISBN 13 : 0192584308
Total Pages : 267 pages
Book Rating : 4.1/5 (925 download)

DOWNLOAD NOW!

Book Synopsis The Disruptive Impact of FinTech on Retirement Systems by : Julie Agnew

Download or read book The Disruptive Impact of FinTech on Retirement Systems written by Julie Agnew and published by Oxford University Press. This book was released on 2019-09-06 with total page 267 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many people need help planning for retirement, saving, investing, and decumulating their assets, yet financial advice is often complex, potentially conflicted, and expensive. The advent of computerized financial advice offers huge promise to make accessible a more coherent approach to financial management, one that takes into account not only clients' financial assets but also human capital, home values, and retirement pensions. Robo-advisors, or automated on-line services that use computer algorithms to provide financial advice and manage customers' investment portfolios, have the potential to transform retirement systems and peoples' approach to retirement planning. This volume offers cutting-edge research and recommendations regarding the impact of financial technology, or FinTech, to disrupt retirement planning and retirement system design.

Smartest 401(k) Book You'll Ever Read

Author : Daniel R. Solin
Publisher : Penguin
ISBN 13 : 1101458046
Total Pages : 175 pages
Book Rating : 4.1/5 (14 download)

DOWNLOAD NOW!

Book Synopsis Smartest 401(k) Book You'll Ever Read by : Daniel R. Solin

Download or read book Smartest 401(k) Book You'll Ever Read written by Daniel R. Solin and published by Penguin. This book was released on 2010-07-06 with total page 175 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book will change the way you think about and invest in your retirement savings plan-forever. Internationally bestselling author and consumer advocate Dan Solin challenges some basic and misguided assumptions about traditional retirement plans to reveal that: ? 401(k) and 403(b) plans are laden with Porky Pig fees, poor investment choices, and conflicts of interest. You may be better off just saying "No!" ? There is a simple way to make smart choices in these plans- and this book shows you exactly what to do and which funds to avoid. ? There is one investment that could be the key to a successful retirement plan. You can do it yourself, with pre-tax or after-tax money. Create your own, inflation-proof pension plan that is guaranteed to provide you with monthly income for as long as you live, and beyond! Smart Investing is not complicated. You have the power to make meaningful changes to your retirement savings plan-no matter what your age or financial status. "If you haven't taken a recent look at what your own retirement investments are doing and-perhaps even more important-how they are put together, reading Solin's smart little book might provide the impetus for action." -Miami Herald

Social Security Income Planning

Author : Mark J. Orr
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781492933045
Total Pages : 0 pages
Book Rating : 4.9/5 (33 download)

DOWNLOAD NOW!

Book Synopsis Social Security Income Planning by : Mark J. Orr

Download or read book Social Security Income Planning written by Mark J. Orr and published by Createspace Independent Publishing Platform. This book was released on 2013-10-02 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fully UPDATED for 2018 to reflect the changes and new rules made to Social Security by the Bipartisan Budget Act of November 2015. The book and the author have been quoted in the USA Today both before and after the new laws. This is perhaps the most encompassing, yet easy-to-understand book on the vital and timely topic of Social Security retirement income planning. It is written by an experienced Certified Financial Planner for soon-to-be retirees who want to learn all about the different claiming strategies for couples and for single persons (never married, divorced or widowed). Most people have no idea of what some their real benefit options are -- and unfortunately can be prone to miss out on $10,000's. The book's sole purpose is to provide people who are about to retire, with all of the information that they need to make the best Social Security benefit decisions based on their own financial circumstances and retirement goals. In this respect it is an essential planning guide and road map. A quick scan of the table of contents gives a glimpse of the scope and amount of powerful information provided. However, what the table of contents does not show is how 95% of Social Security recipients (both couples and many singles) will leave up to $150,000 of benefits sitting on the table that cannot be retrieved. This is money that they are fully entitled to, but these folks did not follow the little-known claiming strategies described in this book. It's your money, you paid into the system your whole life - so don't miss out on getting every dollar that you can. There are many useful examples given to show you the full range of their filing options and how to maximize your lifetime benefits. Written in plain English, these examples are meant to encourage you to carefully consider how you can get the most total benefits available under the law. Perhaps one of the most unique portions of the book is where the author combines his expertise of Social Security with his knowledge of income taxes to show readers how it is very possible to cut ones taxable income and their subsequent retirement income tax bill by 50%. The story comparing the Early's, the Waite's and the Best's is worth ten times the price of the book, as it explains how a savvy reader can save $1,000's of income tax dollars each year during their retirement. The chapter about the 3 buckets of investment risk and the 3 taxation buckets is the perfect complement to learning about filing strategies since Social Security was never meant to provide for all one's retirement income. Not only is this discussion vital for soon-to-be retirees, it should be required reading for every American adult before they EVER invest a single dime anywhere. Don't let the low cost of the book fool you. While reading the book, it becomes very apparent that Mr. Orr actually works in the retirement income planning field on a daily basis with the non-stop tips, warnings, things to consider and much more. "Social Security Income Planning" is concise and written in a conversational style, yet it's jam-packed with all the information you need to maximize your benefits. The advanced concepts and planning strategies are made so simple, that you will be able to explain them to your co-workers... or even to your financial advisor (who very likely has only a vague understanding of the strategies you are talking about)!