| Introduction |
|
vii | |
|
Part I: Understanding the Basics |
|
|
|
Achieving a Secure Retirement |
|
|
3 | (10) |
|
|
|
13 | (10) |
|
Sources of Retirement Income |
|
|
23 | (10) |
|
Income from Social Security |
|
|
33 | (14) |
|
Will Your Money Last as Long as You Do? |
|
|
47 | (14) |
|
Can You Improve Your Situation? |
|
|
61 | (14) |
|
Enter the Financial Adviser |
|
|
75 | (20) |
|
Part II: Security for Sale: Evaluating Retirement-Income Products |
|
|
|
Guaranteed Lifelong Income |
|
|
95 | (10) |
|
Creating Your Own Personal Pension |
|
|
105 | (18) |
|
The Promise of Gain with No Pain: Equity-Indexed or Fixed Annuities |
|
|
123 | (16) |
|
It's Not Too Late to Catch Up: The Guaranteed Minimum Income Benefit |
|
|
139 | (22) |
|
Guaranteed Withdrawals So You Don't Run Out of Money: The Guaranteed Minimum Withdrawal Benefit, or GMWB |
|
|
161 | (16) |
|
Certificates of Deposit: Not All CDs Are Created Equal |
|
|
177 | (12) |
|
|
|
189 | (16) |
|
Part III: Investing in Your Future: Retirement-Income Planning and the Markets |
|
|
|
Tax-Deferred Account Decisions |
|
|
205 | (14) |
|
Making the Markets Work for You |
|
|
219 | (20) |
|
Part IV: Pulling It All Together: Uncle Sam, Your Adviser, and You |
|
|
|
|
|
239 | (12) |
|
Taking Money Out of IRAs and Other Tax-Deferred Accounts |
|
|
251 | (10) |
|
Sales Tactics, Scams, and Bad Advice: A ``Perfect Storm'' for Retirees |
|
|
261 | (14) |
|
Finding an Adviser Who is Right for You |
|
|
275 | (12) |
|
|
|
287 | (12) |
|
Part V: More Retirement Resources |
|
|
| Appendix A: Prospective Adviser Notepad |
|
299 | (1) |
| Appendix B: Client Reference Notepad |
|
300 | (1) |
| Appendix C: Quick-Test Factors for Different Retirement Periods and Rates of Return |
|
301 | (1) |
| Appendix D: Retirement Income Management: A Case Study |
|
302 | (21) |
| Appendix E: AARP Resources |
|
323 | (1) |
| Acknowledgments |
|
324 | (2) |
| About the Author |
|
326 | (1) |
| Index |
|
327 | |