The Everything Retirement Planning Book: A Complete Guide to Managing Your Investments, Securing Your Future, and Enjoying Life to the Fullest
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No matter what your dream for retirement-traveling the world, relocating to an exciting new city, or just spending more time with family-you can make that dream come true. The Everything Retirement Planning Book helps you determine how much money you'll need to save for your dream and the best ways to do it. This down-to-earth handbook is full of checklists to help you make the decisions you need to make before retiring. The Everything Retirement Planning Book includes practical advice on: Social Security benefits Withdrawing funds from IRAs Investments before and after retirement Life insurance and long-term care policies Working after you retire Of course, retirement planning involves more than just financial matters. This comprehensive guide also covers the emotional and psychological issues surrounding retirement, along with the pros and cons of popular retirement destinations. The Everything Retirement Planning Book has everything you need as you plan for the next stage of your life.
Top Ten Tips for Retirement Planning xiiIntroduction xiiiGetting Started 1Where to Start 2Is "Retirement" the Right Word? 3How Much Money Will You Need? 4Calculating How Much to Save 6The Importance of Saving 9Staying the Course 12A Word to the Ladies 14Where to Put Your Money 17Where You Are Now 18When to Start Saving 21Deciding Where Your Money Should Go 24Individual Retirement Account (IRA) 26Roth IRA Options 30Who Can Invest in a Roth IRA 31Getting Started with a Roth IRA 33Withdrawal Penalties 34Looking into the Crystal Ball 37Money In/Money Out 38Employer-offered Retirement Plans 39Company Pension Plans 40Vesting 43 401(k) and 403(b) 44Contributing to Your 401(k) 45Withdrawing from Your 401(k) 46Roth 401(k) 49Small Business Retirement Plans 50Moving On 53Rollovers and Conversions 54You Leave, Your Money Stays 56Rollover IRAs 58Converting from a Traditional IRA to a Roth IRA 59Converting from a Rollover IRA to a Roth IRA 62Rolling Over from a 401(k) to a Roth IRA 62Rebalancing Your Portfolio 63Annuities 67Variable Annuities 68How Annuities Work 70Payout Phase 72Death Benefit 72Variable Annuity Charges 74After-tax Annuities 76Other Retirement Income Sources 79Social Security Safety Net 80How Social Security Works 80Will Social Security Be Around When You Need It? 81Applying for Social Security 83Aging in Place-Reverse Mortgages 85How a Reverse Mortgage Works 86Working After Retirement 88Why You Need an Estate Plan 91Addressing the Inevitable 92What Is Included in an Estate Plan 93Time for Some Soul-searching 95Preparing to Put an Estate Plan Together 97Business Transfer Planning 100Estate Taxes 100Incorporating a Roth IRA in Your Estate Plan 102Potential Estate Planning Mistakes 103Wills 107Do You Really Need a Will? 108How to Create a Will 110What to Include in a Will 111If You Die Without a Will 113Couple Wills 113Working Around Probate 115Small Estates 118Guardians for Children 118Reasons to Make Changes 120Why a Will Alone May Not Be Enough 122Transferring Legal Powers 125Living Wills and Health Care Proxies 126Reasons for a Living Will 126Creating and Updating a Living Will 128Health Care Power of Attorney 129Choosing Your Health Care Proxy 131Will Your Health Care Proxy Be Followed? 133When Health Care Documents Take Effect 134When Health Care Documents End 134Financial Power of Attorney 135Conservatorships and Guardianships 137Trusts 139Understanding the Basics of Trusts 140When a Trust Might Help 141Reasons for Creating a Trust 142Living Trusts 143Institutional Trustees 144AB Trusts for Couples 145Charitable Remainder Trusts 147Special Needs Trusts 149Pet Trusts 149Will Your Retirement Be an End or a Beginning? 151What to Call It 152Retirement History 101 154A Leisure Class Is Born 155Options for Ending Work 157If a Door Closes, Look for the Open Window 159Forward-thinking Retirees 160No Rocking Chairs for Baby Boomers 163The Boomer Philosophy 164Plan for Income, Plan for Living 164Responding to Societal Problems 168Down but Not Out 170Bouncing Back 171Death or Disability of Your Spouse 173Lifelong Learning 175A Lifetime of Knowledge 176Going Back to School 177Unfinished Business 178The Student Becomes the Teacher 179Finding the Patterns in Your Life 180Making the Classroom Fit Your Schedule 182Independent Study 183Lifelong Learning Institutes 184Travel-based Learning 186Next Chapters 187Where You Give Your Time and Money 189Giving Your Biggest Gift-You 190Choosing a Cause 191Relocating-Finding the True You 192Living like You Mean It 194The Volunteer Trap 195Creative Living 199The Sandwich Generation 200Additional Living Options 201Building Trends 202The Resurgence of Communes 204Co-Housing 205Independent Living Stages 206Loss 209An Aging Body 210Poor Self-Image 211Enjoying the Ride 212Who You Are 213Big Hurdles to Overcome 214Transformation Through Loss 216The Emotions That Come with Retirement 217Pack Your Baggage 218Inevitable Changes 219Know Your Retirement Style 220What You Want Versus What Is Possible 223Doing the Work to Quit Work 225Spirituality and Religion 226Dreaming and Scheming 229Hobbies 230Travel-the Great Reward 231Charting a Travel Strategy 233Discount Flying 235Flex-retirement 236Finishing All Your To-do Lists 239Getting a Checklist Outlined 241Initiating Something New 242Eating Well Through the Years 245Changing Nutritional Needs 246What and How Much to Eat 247Fiber Intake 249Dietary Approaches to Stop Hypertension: DASH 250Eating Intentionally 252Cooking for Yourself in Retirement 254Test-drive Your Retirement 257Try It Out 258Living Lean 259Housing Transitions 260Being a Super Saver 262Cutting Back Costs, Not Enjoyment 264Charitable Support 265Retirement Financial Planning Resources 269Retirement Lifestyle Planning 273Travel Resources for Seniors 279Index 281
