{"product_id":"retirement-planning-guidebook-navigating-the-important-decisions-for-retirement-success","title":"Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success","description":"\u003cp\u003eThe \u003ci\u003eRetirement Planning Guidebook\u003c\/i\u003e helps you navigate through the important decisions to\u003cb\u003e prepare for your best retirement\u003c\/b\u003e. You will have the detailed knowledge and understanding to \u003cb\u003emake smart retirement decisions\u003c\/b\u003e: \u003c\/p\u003e\u003cp\u003e- Understand your \u003cb\u003epersonal retirement income style\u003c\/b\u003e, which can then help you navigate through the conflicting opinions about retirement strategies to choose your right path.\u003c\/p\u003e\u003cp\u003e- Learn about \u003cb\u003einvestment and insurance tools\u003c\/b\u003e that may best resonate with your personal style.\u003c\/p\u003e\u003cp\u003e- Determine if you are \u003cb\u003efinancially prepared for retirement\u003c\/b\u003e by quantifying your financial goals (annual spending, legacy, and reserves for the unexpected) and comparing them to your available assets.\u003c\/p\u003e\u003cp\u003e- Make smart decisions for \u003cb\u003ewhen to start Social Security\u003c\/b\u003e benefits, which could potentially support an additional $100,000 or more of lifetime income from Social Security.\u003c\/p\u003e\u003cp\u003e- Develop a plan for making the best initial and ongoing choices from the \u003cb\u003ealphabet soup of Medicare options\u003c\/b\u003e, as well as how to find health coverage if you retire before Medicare eligibility.\u003c\/p\u003e\u003cp\u003e- Assess \u003cb\u003ewhere you wish to live in retirement \u003c\/b\u003eand whether there are helpful ways to incorporate housing wealth into your retirement strategy.\u003c\/p\u003e\u003cp\u003e- Decide how to \u003cb\u003emanage your long-term care risk\u003c\/b\u003e between self-funding, Medicaid, or private insurance, and take steps to support living at home for as long as possible.\u003c\/p\u003e\u003cp\u003e- Understand how to \u003cb\u003emanage your taxes to pay less\u003c\/b\u003e, to avoid common pitfalls, and to have more for your lifetime and your legacy. You will be able to apply tax diversification, asset location, tax bracket management, and Roth conversions to enhance the sustainability of your retirement assets.\u003c\/p\u003e\u003cp\u003e- Get your finances organized and understand how to get your \u003cb\u003eestate and incapacity planning\u003c\/b\u003e documents in order, including your will, account titling, beneficiary designations, financial power of attorney, and advance health care directives.\u003c\/p\u003e\u003cp\u003e- Identify whether there is a \u003cb\u003erole for trusts\u003c\/b\u003e in your estate plan for reasons related to avoiding probate, controlling how and when assets are disbursed, obtaining creditor protections, or helping to manage estate taxes.\u003c\/p\u003e\u003cp\u003e- Prepare for the \u003cb\u003enon-financial aspects of retirement\u003c\/b\u003e, including the need to find purpose and passion, to understand if there is a role for work in retirement, to enhance relationships and social connections, and to maintain an active and healthy lifestyle.\u003c\/p\u003e\u003cp\u003eRetirement has an entire vocabulary associated with it. We'll demystify the 4% rule, sequence-of-return risk, time segmentation and buckets, reverse mortgages, income annuities, variable annuities, fixed index annuities, long-term care insurance, living trusts, irrevocable trusts, budgeting, the funded ratio, Medicare Advantage, Medicare supplements, diversified investment portfolios, Roth conversions, the hazards of the Social Security tax torpedo and increased Medicare premiums, buffer assets, 401(k) plans and IRAs, the rollover decision, distribution options for defined-benefit company pensions, required minimum distributions, qualified charitable distributions, aging in place, cognitive decline, and so much more.\u003c\/p\u003e\u003cp\u003eThe \u003ci\u003eRetirement Planning Guidebook\u003c\/i\u003e does not let important matters fall through the cracks. This is a comprehensive look at the key retirement decisions to achieve financial and non-financial success. You will have the foundation to make the most of your retirement years, and I hope you'll be able to \u003cb\u003edo something great!\u003c\/b\u003e\u003c\/p\u003e","brand":"Wade Pfau","offers":[{"title":"Paperback","offer_id":46335833342188,"sku":"9781945640155","price":41.19,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0684\/1791\/3068\/files\/9781945640155.jpg?v=1777853228","url":"https:\/\/intl.allstora.com\/products\/retirement-planning-guidebook-navigating-the-important-decisions-for-retirement-success","provider":"Allstora","version":"1.0","type":"link"}