Transforming Retirement

Author : Stig Nybo
Publisher : John Wiley & Sons
Page : 182 pages
File Size : 48,7 Mb
Release : 2013-01-17
Category : Business & Economics
ISBN : 9781118572740

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Transform Tomorrow by Stig Nybo Pdf

A campaign to prepare Americans for their futures Transform Tomorrow investigates why so many Americans are at risk of out-living their savings. Author Stig Nybo draws inspiration from successful behavior change campaigns to identify the drivers of change—context and beliefs—and how they can be successfully employed to boost retirement savings rates. While the retirement savings industry increasingly embraces the contextual drivers of behavior, very little is being done to shape our beliefs to start saving smarter and sooner. Nybo suggests a retirement readiness campaign to inspire and enlist the support of individuals, employers, industry, government, and the media. Explains how society can transition from treating 401(k) as a voluntary benefit to the basis upon which each individual who wants to or needs to can retire comfortably. Details a national, coordinated retirement readiness campaign, along the lines of successful Public Service Advertisements—like "The Crying Indian" and Rosie the Riveter—that will help change behavior and re-shape the culture of our nation Makes a call to action for such a campaign Retirement in America is endangered, but Transform Tomorrow shows a path back from the brink.

Author : Janis Clark Johnston
Publisher : McFarland
Page : 248 pages
File Size : 52,5 Mb
Release : 2023-05-05
Category : Self-Help
ISBN : 9781476650012

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Transforming Retirement by Janis Clark Johnston Pdf

People are naturally worried about transitions at any stage of their lives, and retirement transitioning presents unique challenges because you realize that your life clock is ticking faster with each passing year. Beyond financial concerns, your true wealth is determined by how you spend your time and how you care for your health. Retirement represents a rich psychological growth time, and successful aging is characterized by cultivating a growth mindset alongside a healthy dose of grit, or passion plus persistence. This book shares insights from a survey of 125 participants, all of whom are 55 or older, on retirement beliefs and time management. The author encourages retirees to embrace the concept of rewiring their brains in a psychological reboot applying to both work and non-work scenarios. Each chapter presents rewiring exercises that prepare space for new possibilities to germinate immediately, and "possibility time" exercises that foster digging deeper into legacy roots for shaping days where you can flourish. Seasoned citizen years have the possibility of becoming your greatest life plots when you rewire your personality and ability skillset.

Author : Leroy Hayes Jr.
Publisher : Xlibris Corporation
Page : 244 pages
File Size : 46,9 Mb
Release : 2015-11-17
Category : Self-Help
ISBN : 9781514422656

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Please! Don’T Make Your Retirement Complicated! by Leroy Hayes Jr. Pdf

If you can save 10 % of your earnings on a consistent basis and the proper planning is afforded by you, your financial success will be accomplished nine times out of ten. Dont you love those odds? That retirement of yours will be secure. Do you like success based on your own accomplishments and lifestyle? Then follow my book to success, and please dont worry about the Joneses, because you may be derailed from your own success!

Author : William G. Gale,J. Mark Iwry,David C. John
Publisher : Brookings Institution Press
Page : 406 pages
File Size : 40,5 Mb
Release : 2021-07-27
Category : Business & Economics
ISBN : 9780815739357

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Wealth After Work by William G. Gale,J. Mark Iwry,David C. John Pdf

Pensions and retirement saving plans have helped millions of households build financial security. But tens of millions of people have been left behind, without access to these wealth accumulation vehicles. For many others, the plans they have do not ensure financial security in retirement. The problems that underlie these failures can be addressed. This book proposes concrete, practical ways to make dependable retirement income accessible for all Americans—not just those with means. Individual accounts have eclipsed traditional pensions as the primary vehicle for retirement saving in the United States—a shift that underlies many sources of retirement insecurity. The 401(k) plan and similar accounts have increased financial security for many people but have done nothing for millions more. Many of those who do have such plans are burdened with the need to make numerous saving, investment, and withdrawal decisions that stress their financial acumen. Financial advice that is unbiased, unconflicted, and affordable is often difficult to find. Managing wealth in retirement—especially the need to convert retirement savings into steady income—poses significant challenges that current financial instruments and practices do not adequately address. Economic downturns like the Great Recession and the COVID-19 pandemic increase financial insecurity and make addressing these issues more urgent. Written by noted experts in the field, Wealth After Work offers practical solutions that address these concerns. The proposals show how policymakers can help all Americans gain access to retirement savings accounts, obtain better information about their savings choices, and better manage their wealth in retirement. By proposing solutions that build on, rather than replace the existing system, the book provides a nuanced, practical guide to reform that would benefit all Americans.

Author : Lynn Biscott
Publisher : Unknown
Page : 0 pages
File Size : 53,9 Mb
Release : 2010
Category : Baby boom generation
ISBN : 0779834615

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The Boomers Retire by Lynn Biscott Pdf

Author : Rick Steiner Ph.D.
Publisher : National Geographic Books
Page : 0 pages
File Size : 54,8 Mb
Release : 2015-05-26
Category : Self-Help
ISBN : 9781578265565

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Retirement: Different by Design by Rick Steiner Ph.D. Pdf

Transforming Retirement One Building Block at a Time Retirement is more than the absence of work—it’s a different way of life requiring new vision, new purpose, and new life perspectives. You see, retirement is too important to leave to luck or circumstance; we have to plan and make them happen—our way. Your bridge to the “other side of work,” Retirement: Different By Design presents two dynamic and innovative templates for moving seamlessly into retirement and beyond—“Retirement’s Ages and Stages” and “Retirement’s Six Fundamental Building Blocks.” Providing practical strategies and answers, not more questions, each chapter delivers insights, tools, narratives, and models for making retirement the best years of the rest of our lives. And, it’s not always about the money. Indeed, we all can live socially rich, emotionally balanced, intellectually nourishing, healthful, and physically active retirements no matter the size of our bank accounts—this is the new retirement reality that Retirement: Different By Design offers the soon-to-be and the already retired. RETIREMENT’S SIX FUNDAMENTAL BUILDING BLOCKS • Physical and Emotional Health and Well-Being • Financial Security and Continuity • Life Transition and Acceptance • Intergenerational Life Engagement • Intellectual and Physical Pursuits, Interests, and Activities • Spirituality, Meaning, Family, and Legacy

Author : Carolee Duckworth,Marie Langworthy
Publisher : Unknown
Page : 360 pages
File Size : 43,8 Mb
Release : 2013-07-01
Category : Baby boom generation
ISBN : 0984513612

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Shifting Gears to Your Life and Work After Retirement by Carolee Duckworth,Marie Langworthy Pdf

"This book is your call to action on your own behalf to: jumpstart your newly invented personal & professional retirement--your Next Phase life and work; create your own custom roadmap to how Baby Boomer YOU will live your last and BEST personal opus, with vitality, enthusiasm and enjoyment."--Back cover.

Author : William Moore
Publisher : eBookIt.com
Page : 208 pages
File Size : 49,6 Mb
Release : 2024-04-05
Category : Self-Help
ISBN : 9781456648626

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Retirement Reimagined by William Moore Pdf

Discover the Golden Years of Opportunity: Transform Your Retirement into a Vibrant New Beginning Imagine waking up each day to a life brimming with passion, purpose, and boundless opportunity. "Retirement Reimagined: The Ultimate Guide to Active and Meaningful Pathways" offers a fresh and invigorating perspective on what the golden years can truly be. Gone are the days of viewing retirement as a time for winding down. This guide illuminates the path towards a retirement replete with adventure, learning, and fulfillment. Redefining Retirement for the Modern Age, this comprehensive tome begins by challenging conventional notions, inviting you to envision a future where retirement means growth, exploration, and the pursuit of passions old and new. Through understanding the new dynamic retirement landscape, you'll be inspired to craft a personal vision that's as unique as you are. Embark on a journey of self-discovery as you explore newfound interests, hidden talents, and leisures that balance personal growth with sheer enjoyment. Retirement Reimagined guides you through cultivating a lifestyle that not only maintains physical and mental agility but nourishes them. Whether it's through volunteering, embracing the digital age, or pursuing hobbies, every chapter serves as a stepping-stone towards realising a fulfilling and active retirement. For those looking to give back, build lasting connections, or even delve into entrepreneurship, this guide covers it all. Learn how to navigate financial planning to ensure a secure, yet vibrant future. From the joys of travel and adventure to the significance of intergenerational connections and crafting your legacy, every aspect of retirement is explored with depth, sensitivity, and practical advice. Your retirement is an expansive horizon, a time of life rich with possibilities for personal development and joy. Retirement Reimagined is not just a book but a companion for anyone standing on the threshold of retirement or navigating through it, seeking to infuse their days with meaning and excitement. Step into your retirement with confidence and joy, knowing the best years are still ahead, waiting to be seized and celebrated. Embark on this transformative journey and embrace the opportunity to live your retirement years as you have always dreamed. The time to start is now.

Author : Keith P. Ambachtsheer
Publisher : John Wiley & Sons
Page : 256 pages
File Size : 48,6 Mb
Release : 2016-02-23
Category : Business & Economics
ISBN : 9781119191001

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The Future of Pension Management by Keith P. Ambachtsheer Pdf

A real-world look at the pension revolution underway The Future of Pension Management offers a progress report from the field, using actual case studies from around the world. In the mid-70s, Peter Drucker predicted that demographic dynamics would eventually turn pensions into a major societal issue; in 2007, author Keith Ambachsheer's book Pension Revolution laid out the ways in which Drucker's predictions had come to pass. This book provides a fresh look at the situation on the ground, and details the encouraging changes that have taken place in pension management concepts and practices. The challenges identified in 2007 are being addressed, and this report shows how design, management, and investment innovation have led to measurably better pension outcomes. Pensions have become an everyday news item, and people are rightly concerned about the security of their retirement in light of recent pension scandals and the global financial crisis. This book provides a note of encouragement, detailing the ways in which today's pensions are becoming more and more secure, and the new ideas and practices that are chipping away at the challenges. Learn how pension management practices are improving Examine the uptick in positive outcomes over recent years Discover why pension investing is turning toward the long-term Consider the challenges that remain and their possible solutions Drucker's vision of a needed pension revolution is unfolding in real time. Better pension designs, more effective pension governance, and more productive pension investing are mitigating many of the issues that threatened collapse. The Future of Pension Management provides a real-world update on the state of pensions today and a look forward to the changes we still need to make.

Author : Moshe A. Milevsky,Alexandra C. Macqueen
Publisher : John Wiley and Sons
Page : 214 pages
File Size : 46,9 Mb
Release : 2010-10-08
Category : Business & Economics
ISBN : 9780470952283

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Pensionize Your Nest Egg by Moshe A. Milevsky,Alexandra C. Macqueen Pdf

Pensionize Verb. 1. To convert money into income you can't outlive. 2. To create your own personal pension, a monthly income that lasts for the rest of your natural life. With the subpar performance of the markets, record-high personal debt levels, and shockingly low savings rates, it's clear that many Canadians expecting to retire in the next decade simply don't have a sufficient nest egg to ensure a worry-free retirement. Making matters worse, only about one-third of Canadians currently belong to a formal, or registered, pension plan; and even a large number of that "lucky third" will not retire with a guaranteed pension income. If you no longer have the time to wait and hope for your traditional investments to pay off, the answer is to "pensionize your nest egg" using the new technique of product allocation set out in this book. Pensionize Your Nest Egg explains how to Recognize if you really have a pension or just a tax-sheltered savings plan. Become informed about the new risks you and your nest egg face in retirement and why asset allocation, despite its value in the accumulation stage of life, is not sufficient to protect you and your money. Measure your retirement sustainability quotient (RSQ) and your Financial Legacy Value (FLV)-then choose a retirement income plan on the Retirement Income Frontier. Understand how product allocation differs from asset allocation, how to allocate your nest egg across three product silos, and learn about the new financial products that are available to protect against the new risks you face. Follow a seven-step process to close your Pension Income Gap and convert your retirement savings into a secure stream of lifetime income. Whether you do it yourself or work with a financial advisor, Pensionize Your Nest Egg gives you a simple plan to create a guaranteed retirement income-for life.

Author : Robert Gerstemeier
Publisher : Lioncrest Publishing
Page : 254 pages
File Size : 41,8 Mb
Release : 2019-03-21
Category : Business & Economics
ISBN : 1544513151

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Planning Your Retirement: A Practical Guide for Turning Your Dreams Into Reality by Robert Gerstemeier Pdf

Retirement planning can feel like being alone and at sea. You're responsible for plotting your own course, preparing for stormy weather, and responsible for everything that could go wrong along the way. It can feel overwhelming-but it doesn't have to be. In Planning Your Retirement, CERTIFIED FINANCIAL PLANNER(TM) practitioner Robert Gerstemeier draws on twenty years of experience to remove the overwhelming guesswork from your next stage of life and outline the steps you need to take to prepare for a comfortable retirement. Whether you have been saving for decades or are just starting out in your career, Bob's straightforward strategies help you navigate and identify the right investments, plan your estate, decide when to retire, and ensure you'll be able to cover all your needs when the time comes. Retirement shouldn't feel like dangerous, uncharted waters. With this book, you can set sail into your golden years with confidence.

Author : Paul Elmore
Publisher : Unknown
Page : 52 pages
File Size : 50,6 Mb
Release : 2013-09-10
Category : Baby boom generation
ISBN : 1491242361

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Baby Boomer's Retirement Guide: Turning Dreams Into Reality by Paul Elmore Pdf

A practical guide to the everyday concerns of a retiree, focusing on preparations before retirement all the way through your later years. How to manage this time in the most positive way possible. Making the most of your retirement years. This short guide provides a systematic approach to a life change that is no less chaotic than being born. Just as you kept baby books to document your children's accomplishments, This guide allows you to document your milestones as you adopt the mantle of retiree. This book would be a great gift for the retiree in your life.

Author : Vickie Petix,Paul Botte
Publisher : Unknown
Page : 185 pages
File Size : 45,9 Mb
Release : 2013-04-01
Category : Business & Economics
ISBN : 1936961164

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Instant Retirement by Vickie Petix,Paul Botte Pdf

While chances for sudden "out of the blue" wealth are slim, you are far more likely to get an inheritance or other financial windfall than you may initially think. Not only are baby boomers retiring at record rates, but almost $4 trillion of wealth is currently held by families with life expectancies of less than 10 years. In many cases, a windfall may be your last shot at financial security, and we don't want you to blow it Instant Retirement: Transform Your Inheritance or Windfall into Your Retirement Dreams is based on nearly 50 years of combined experience in the financial industry. It offers information on everything from creating and implementing a financial plan to monitoring and adapting that plan to picking a financial planner, and much, much more. While many consider it a blessing, a major windfall can result in an equally devastating financial disaster. This clear, unbiased, step-by-step guide will help you manage your windfall and create a secure financial future.

Author : Robert C. Carlson
Publisher : John Wiley & Sons
Page : 290 pages
File Size : 44,9 Mb
Release : 2004-12-03
Category : Business & Economics
ISBN : 9780471703303

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The New Rules of Retirement by Robert C. Carlson Pdf

Praise for THE NEW RULES OF RETIREMENT "As a Wharton graduate, money manager, Chief Financial Officer, and Certified Financial Analyst, I didn't think I needed help in making investment choices and planning for my retirement. I was wrong. I have been a subscriber to Retirement Watch since 1997. I trust Bob Carlson completely and follow his investment, tax, and planning advice personally." --Sandy Kagan, CFA CFO Partner, Tatum Partners "A clear, practical, and wisely unconventional guide to the new world of retirement." --Humberto Cruz Nationally syndicated financial columnist, Tribune Media Services "Bob Carlson does a magnificent job preparing readers for the many challenging issues they will face over the next several decades. Retirees can no longer count on generous asset returns and employer-provided defined benefit plans. Bob provides readers with creative approaches for contending with these challenges to help ensure financially and emotionally secure 'freedom years'." --Lawrence E. Kochard, PhD, CFA Chief Investment Officer, Georgetown University "Bob Carlson shows that three trends--demographics (baby boomers), increasing longevity, and fewer offspring--have changed forever the landscape facing America's retirees. Stereotype retirement based on Social Security and employer pensions is out; making ends meet on your own is in. Better get yourself ready--and you can do so by reading this book." --James C. Miller III Former U.S. Budget Director, Chairman of The CapAnalysis Group, LLC

Author : Carol Hagland
Publisher : Oneworld Publications
Page : 0 pages
File Size : 52,9 Mb
Release : 2011-01-01
Category : Business & Economics
ISBN : 1851687637

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Happy Retirement by Carol Hagland Pdf

Whether you’ve been planning your escape for years, or are suddenly forced into retirement, this highly readable and informative book will help you to make the most of it. With modern culture geared to time filled with work, retiring often initiates a seismic change in lifestyle. Carol Hagland explains how we can prepare for and thrive in our years away from work. No questionnaires, no ratings scales – just sound, well-informed advice presented in a straightforward and readable manner.