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Author: Richard E. Gearhart
Publisher: AuthorHouse
ISBN: 1456731173
Category : Business & Economics
Languages : en
Pages : 114
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Book Description
Financial security during retirement is no guarantee. In fact, Outliving Your Money is the #1 fear among retirees. Not far behind are the fears of Losing Principal, High Health Care Costs, and Higher Taxes. Most people, including many financial advisors, do not know that each of these fears can be replaced with guarantees and control. This book shows you how. What would it be worth to eliminate these fears and not have to worry about uncertainty? You can guarantee financial security during retirement.
Author: Richard E. Gearhart
Publisher: AuthorHouse
ISBN: 1456731173
Category : Business & Economics
Languages : en
Pages : 114
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Book Description
Financial security during retirement is no guarantee. In fact, Outliving Your Money is the #1 fear among retirees. Not far behind are the fears of Losing Principal, High Health Care Costs, and Higher Taxes. Most people, including many financial advisors, do not know that each of these fears can be replaced with guarantees and control. This book shows you how. What would it be worth to eliminate these fears and not have to worry about uncertainty? You can guarantee financial security during retirement.
Author: Brian Fricke
Publisher: Advantage Media Group
ISBN: 1599320851
Category : Business & Economics
Languages : en
Pages : 150
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Book Description
It takes more than money to be able to "Do What You Want, When You Want, Where You Want." Brian Fricke (Certified Financial Planner) gives you simple and easy to understand terms with real-life examples. Yes, names and circumstances have been changed to protect client confidentiality. Full of practical proven and street tested strategies. Now, with WORRY FREE RETIREMENT, Fricke one of Americas Top Wealth Managers shares with you the same advice and strategies he gives to his clients. Written in simple and easy to understand plain English. He reveals stuff like: The single biggest Money Mistake couples make. Should you pay off your mortgage? My $10,000 challenge. Don't be an ATM to your kids or grandkids. Tax strategies you must know about. Your biggest risk if you retire before age 65. Do you really need life insurance at retirement? Silly, stupid mistakes I've seen people make and Much more!
Author: Richard E. Gearhart
Publisher: AuthorHouse
ISBN: 145673573X
Category : Business & Economics
Languages : en
Pages : 114
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Book Description
Financial security during retirement is no guarantee. In fact, Outliving Your Money is the #1 fear among retirees. Not far behind are the fears of Losing Principal, High Health Care Costs, and Higher Taxes. Most people, including many financial advisors, do not know that each of these fears can be replaced with guarantees and control. This book shows you how. What would it be worth to eliminate these fears and not have to worry about uncertainty? You can guarantee financial security during retirement.
Author: THOMAS. HELBIG
Publisher: Advantage Media Group
ISBN: 1599322935
Category : Business & Economics
Languages : en
Pages : 123
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Book Description
The SECRETS Your Broker Never Told You! A seismic shift has taken place in financial planning for people approaching retirement. When that change came along, author Thomas Helbig was more than ready for it. What is the new investment landscape all about? Americans planning for retirement have lost faith in risky, Wall Street-style investments. Meanwhile, new investment tools have come along, developed by the insurance sector of the financial services industry, to replace those high-risk vehicles. St. Louis-based Thomas Helbig, who began advising clients in 1977, has been specializing in these new-breed investments since their emergence. Always one who emphasized safety and loss-prevention, Helbig became an early adopter of the new portfolio options and his clients have learned to their happiness how: principal can be protected, a logical plan can be followed, substantial growth of the portfolio can be realized and can produce more guaranteed income regardless of Wall Street's performance "I may be a financial advisor operating in extremely volatile times, but I don't toss and turn at night. I know my clients' funds are well protected." With 35 years of experience in financial planning and safe money solutions, Helbig's practice specializes in Qualified Plan Distribution. A gifted communicator of complex information, he is a nationally recognized trainer and keynote speaker on financial planning. In particular, his expertise focuses on retirement planning that takes advantage of the new tax rules passed into law in 2002. These new rules can turn a modest IRA account into a lifetime income that can span three generations. Any serious investor who is deep into their prime earning years simply has to become familiar with these opportunities.
Author: Zvi Bodie
Publisher: FT Press
ISBN: 9780130499271
Category : Business & Economics
Languages : en
Pages : 276
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Book Description
The authors teach readers about the new rules of investing, which include investing with inflation-protected bonds, reaching retirement goals, and investing safely for college.
Author: Wade Donald Pfau
Publisher: Retirement Researcher Guid
ISBN: 9781945640063
Category : Business & Economics
Languages : en
Pages : 368
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Book Description
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.
Author: Doug Treen
Publisher: iUniverse
ISBN: 0595492827
Category : Psychology
Languages : en
Pages : 298
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Book Description
Retiring professionals and executives need to prepare psychologically for retirement, not just financially. This book helps you understand and overcome the stress of losing your role, power, status and self-identity. Also, how to: * find yourself and reach your full potential outside of your job * prevent the retirement shock and its health risks of shortening your life * avoid a traditional retirement of passivity * take control and meet your highest needs * transform your talent into a new self-leadership * have a creative retirement through purpose and passion To order: www.executiveretirement4u.com
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Author: Jason L Smith
Publisher: Greenleaf Book Group
ISBN: 1626344612
Category : Business & Economics
Languages : en
Pages : 160
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Book Description
Worry less. Plan more. Do you want a secure retirement, free from worry, stress, and confusion? The Bucket Plan® is a must-read book for anyone serious about creating a practical and sensible financial plan for his or her retirement years. The financialplanning process outlined in this book is based on a three-bucket philosophy of strategically positioning assets to plan for and mitigate the risks and dangers that can occur in retirement. Readers will learn: • The three biggest dangers for your financial future and how The Bucket Plan helps protect from them • A formula for calculating whether you will have an income deficit and, if so, how much money is needed to prevent it • A surefire way to avoid taking on too much investment risk on money you may need in the near future • Much, much more When readers strategically allocate their money using Jason Smith’s three-bucket philosophy, they can create a plan that mitigates risk and offers an opportunity for growth into the future, allowing them to feel more secure about retirement.
Author: Daniel M. Kehrer
Publisher: Kiplinger Books
ISBN: 9780812926446
Category : Business & Economics
Languages : en
Pages : 260
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Book Description
Tips and advice for accumulating funds for a secure retirement.
Author: Michael E. Leonetti
Publisher: Dearborn Trade Pub
ISBN: 9780793100880
Category : Business & Economics
Languages : en
Pages : 264
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Book Description
Presents a guide for realizing personal goals and financial security for the individual planning retirement
