With unique and proven strategies for wealth accumulation, More Wealth, Less Taxes is designed for individuals seeking ways to pay lower taxes during their lifetime-especially during retirement. As a veteran in the financial services industry, Lance Belline knows how essential it is to save strategically and understand how the tax code works. More Wealth, Less Taxes is his guide for anyone who wants to go from "good" to "great" financially. Filled with real-life examples and stories of clients growing their wealth before -and after-they learned of the bucket strategy, Belline's guide helps individuals gain confidence, peace of mind, and clarity of how they should save and invest. His approach is designed for anyone seeking to learn more about potential tax savings, wealth creation, and financial pitfalls to avoid.

Barry Golson knows all about retiring abroad -- he and his wife, Thia, have lived in six different countries. Now they choose expatriate-friendly locales around the world for their low cost and their high quality of living and explain how to investigate and settle in each country with minimum hassle and maximum pleasure.

Taking you step-by-step through the process of researching, testing, and finally living abroad, the Golsons' practical how-to guide covers all the major issues, including health care, finances, real estate, taxes, and immigration. Each location is profiled by an expatriate writer who has made that country his or her home and who knows how to answer all the questions about living richly and economically in some of the world's most beautiful places.

"It's Never too Late" could save (the rest of) your life. We're all going to die. Jolting, yes, but an important truth we must face because most people, when left to their own devices, choose the easier path of living in fantasy rather than reality. It's high time we come to terms with our mortality because the outlook for many of us is one of overwhelming fear and horror about the reality of growing old in America. What's worse, far too many of us are well aware of the dire forecast for our future but feel utterly powerless in its wake. But it doesn't have to be that way. Towards getting ourselves back on track or helping elder parents and loved ones do the same, Scott Page gives us easy (and even fun) ways to develop a workable plan for living out our lives with greater peace of mind and security regardless of our current age and station in life---leaving us wondering why we didn't do something about it sooner. With easy, fast-acting steps to restore hope and faith for our future, Scott offers a holistic methodology anyone is fully capable of following if they're willing to get into motion.

"Steve Lopez is insightful, ingenious, and often hilarious as he navigates one of life's biggest questions." --Michael Connelly, #1 New York Times bestselling author of The Dark Hours Four-time Pulitzer Prize finalist and longtime Los Angeles Times columnist Steve Lopez explores the meaning of work and how it defines us in this captivating book that combines memoir, investigatory interviews, and practical application. Grappling with his own decision of whether to retire, Lopez uses his reporter skills not only to look inward but also to interview experts and peers to collect a variety of perspectives as he examines the true nature of a person's time, identity, and ultimate life satisfaction. In Independence Day, Lopez talks to those who have chosen to extend their working life to its (il)logical extreme--people like Mel Brooks, still working at 94--those who have happily retired and reinvented themselves outside of the constraints of work, and those who would like to retire but can't because of financial constraints. He also turns to professionals on the matter, like two aging scientists, a geriatric specialist, and a psychiatrist, to understand the research-based reasons to retire. With his trademark poignancy, wisdom, and humor, Lopez establishes a useful polemic for himself and others in planning ahead, as he also evaluates questions of identity, financial limitations, and ultimately what to do with your life when the obituary pages are no longer filled with strangers.

Managing your lifecycle in business is the same as flying an aircraft. You initially add some fuel before starting up, you fuel the business with revenue and capital induction as you ascend, you fly along your intended course, and ultimately you bring it in for a safe landing as you exit with a handful of cash. Sounds simple, though the vast majority of businesses fail somewhere along their flight path and face an emergency off-airport landing or worse. The question is, why does this happen to so many small to mid-sized business owners? The reason is simply pilot error, just like in flying. Through a series of distractions, adverse conditions, or fuel starvation, we find ourselves with red indicators. The real problem is a pure lack of experience and formal training. This handbook will assist you in navigating your small to mid-sized business through key employee identification, succession planning, and ultimately value extraction. By using this handbook as a guide to running your business, you will have an appreciation for the need to run your business with an exit strategy in mind. In the end, there are only two options: Succession or Failure.

Retirement is a comma in our lives, not a full stop. Life After Work looks at the psychological, emotional and wellbeing issues that surround this complex and important transition in life. This book suggests that retirement is a life stage over which we may have greater control than previously thought; it no longer has to be the case that retirement is a terminal point, a time where you became sedentary and inactive. Retirement is on one level a private, individual matter that affects one's sense of self and purpose, physical and mental processes, as well as financial security or provision. On another level, retirement has an impact on relationships with loved ones, family and friends, as well as colleagues. It can strengthen or disrupt bonds, leading to new bonds being formed or to withdrawal. This book is written by successful authors and psychologists Robert Bor, Carina Eriksen and Lizzie Quarterman, each with many years' experience of helping people cope with life stage changes and prepare for retirement. It contains illustrative case studies throughout, from which valuable lessons can be learned, and draws on the very latest psychological research and techniques to provide a blueprint for planning and living a wonderful retirement or life post-work. Planning for your future is crucial in enabling you to maximise the opportunities available. Following the book's blueprint will help you prepare for this phase in your life, and the sooner you start the better. Life After Work will be of great interest to readers of all ages seeking guidance on retirement and will also appeal to psychologists of life stage changes.

Much of what is written about getting old has a negative feel to it, which is certainly not entirely unjustified. Health may begin to fail. Finances may become tighter as income dwindles or stops altogether. Family and friends may move away or move on. But the retirement years do not have to be negative or bleak. Within this "dark scenario," a positive existence is possible. Planning Your Time in Retirement focuses on the variety of free-time activities available to retirees as related to their physical, social, and economic situation in old age, helping readers find out what their passions are, what the possibilities might be, and how to cultivate their own leisure lifestyle. For some retirees, a post-work existence consisting of fun works well, for they have managed to shape an interesting casual leisure lifestyle based on easygoing activities that make them happy. Seldom included in the popular image of leisure, however, are other types of leisure that are also widely available to retirees. Regardless of means, the retirement years can consist of activities and pastimes that fulfill the interests and pursuits of any retiree. A variety of exciting leisure activities exists, which retirees may pursue within their financial, physical, mental, and geographic limits. This book provides a guide-the serious leisure perspective-for exploring these activities and choosing those that fit one's tastes, aptitudes, and abilities. At its most appealing, a leisure lifestyle includes a balance of easy-to-do casual interests as well as serious ones that require knowledge, effort, and perseverance. For some, enjoyment and fulfillment may come from engaging in volunteer work, while for others it may involve leisure activities from which they gain some form of payment. By employing the notion of positive simplicity-simple living in the domain of leisure-many people at this stage of life can delight in these final years. While time and money cannot be ignored, finding those activities that allow for engagement, reward, and simplicity can result in days, even years, of leisure that is meaningful, enjoyable, healthy, and empowering.

Managing your lifecycle in business is the same as flying an aircraft. You initially add some fuel before starting up, you fuel the business with revenue and capital induction as you ascend, you fly along your intended course, and ultimately you bring it in for a safe landing as you exit with a handful of cash. Sounds simple, though the vast majority of businesses fail somewhere along their flight path and face an emergency off-airport landing or worse. The question is, why does this happen to so many small to mid-sized business owners? The reason is simply pilot error, just like in flying. Through a series of distractions, adverse conditions, or fuel starvation, we find ourselves with red indicators. The real problem is a pure lack of experience and formal training. This handbook will assist you in navigating your small to mid-sized business through key employee identification, succession planning, and ultimately value extraction. By using this handbook as a guide to running your business, you will have an appreciation for the need to run your business with an exit strategy in mind. In the end, there are only two options: Succession or Failure.

TIRED OF YOUR IRA EARNING LOUSY RETURNS IN TRADITIONAL INVESTMENTS? Want to know the secret to increasing returns in your IRA that your investment advisor may not even be aware of? Many people have found great success in investing in real estate over the past few decades but few are aware that you can hold real estate investments within your IRA. Not only can you hold these investments, you can use the power of leverage through nonrecourse loans to substantially increase your returns. Within this book you will learn: How self-directed IRAs function. What a non-recourse loan is and how it works. Why your CPA and investment advisor may not be aware of these options. What the IRS has to say about real estate in an IRA. The step-by-step actions to get started earning great returns. You don't have to take the investments offered by your bank or financial institution - you can choose Rather than watching your retirement funds inch slowly forward, put that money to work and live the retirement of your dreams

A Retirement Gift for Women Who are Solo Agers"When it comes to aging, you can't count on your children, especially if you don't have any. But help is on the way." Harry R. Moody, Ph.D., retired Vice President for Academic Affairs, AARP Wall Street Journal Best Books of 2018 on Aging Well #1 Best Seller in Aging, Aging Parents, Gerontology, Volunteer Work, Budgeting & Money Management, Almanacs & Yearbooks, Eldercare, Retirement Planning , Parenting & Relationships, and Reference American Baby boomers are aging and fifteen million of them are childfree. Who will take care of them as they retire? Unprecedented in U.S. history, this demographic is creating challenges for these individuals as well as for society. Childless Solo Agers. In Essential Retirement Planning for Solo Agers, Sara Zeff Geber, a Ph.D. in Counseling and Human Behavior and a Certified Retirement Coach, coins the term "Solo Ager." Solo Agers are the segment of society that either does not have adult children or is single and expects be on their own as they grow older. A Happy retirement gift for women and men. With a compelling and readable style, Geber takes her Solo Ager readers on a journey toward happy retirement, starting with the choice to be childless and why so many boomers were able to make that decision. Through stories and narrative, she explores housing choices, relationships, and building a support system. Geber shares her expertise on what constitutes a fulfilling older life and how Solo Agers can maximize their opportunities for financial security, physical health, meaning and purpose in the second half of life. Learn about: Levels of care and independence Types of living arrangements End-of-life issues Legal and financial decisions If you have read Who Will Take Care of Me When I'm Old?, Aging Alone, or The Ultimate Retirement Guide for 50+ by Suze Orman, you will love Essential Retirement Planning for Solo Agers.

Teachers may retire from their schools, but they never retire from teaching. Teaching, Making a Difference includes two goals. The first is to give guidance to teachers contemplating retirement while helping them to maintain realistic standards for their students. The second goal is to present a multitude of options for just-retired teachers to enjoy their well-earned retirement while still using their knowledge and experience to benefit their communities. Teachers will learn techniques that they can incorporate into their lesson plans as they continue to teach, and upon retiring, they will learn how to develop their own "lesson plan" to take care of themselves and to participate in their communities.

Teachers may retire from their schools, but they never retire from teaching. Teaching, Making a Difference includes two goals. The first is to give guidance to teachers contemplating retirement while helping them to maintain realistic standards for their students. The second goal is to present a multitude of options for just-retired teachers to enjoy their well-earned retirement while still using their knowledge and experience to benefit their communities. Teachers will learn techniques that they can incorporate into their lesson plans as they continue to teach, and upon retiring, they will learn how to develop their own "lesson plan" to take care of themselves and to participate in their communities.

Millions of baby boomers are just beginning to retire, and in doing so many are likely to run into adjustment problems, such as loss of identity, deterioration of marriage and social life, and feelings of disconnectedness to the world. Studies have found that as many as 40% of retirees have difficulty adjusting, and even those who claim to enjoy retirement may experience some uneasiness as they adapt to a life lacking in structure and direction. This book investigates the struggles faced by retirees in building a new life outside of the workforce. It provides an honest assessment of retirement, based on the not-always-acknowledged fact that it is a difficult transition with pitfalls and obstacles to be overcome. But along with uncovering problems, the authors also propose solutions to enable both current and future retirees to be better prepared, allowing them to avoid being blind-sided by unexpected situations. By reading about the experiences of their peers, current and future retirees will come to understand that others share their difficulties adjusting, and that tactics are available to improve their comfort level in retirement as well as their overall well-being. Retirees and those planning for retirement will find in these pages what they need to make retirement successful and enjoyable.

Learn how to save and prepare for retirement no matter your age or your income. 12 Ways to Retire on Less offers a roadmap for anyone seeking financial security and peace of mind for their retirement years ahead, regardless of savings or income in the present moment. In a time when fewer retirees have the kind of pension many of their parents had, those looking to retire can be especially vulnerable. But here, the author outlines those steps people can take to ensure their security and enjoy those activities they look forward to in the future. Offering case studies and actionable steps in the form of bullet points, questions and lists, the book focuses on the importance of planning and analyzing one's total financial picture in the context of goals, hopes, and dreams.

In the wake of the financial crisis and Great Recession, the health of state and local pension plans has emerged as a front burner policy issue. Elected officials, academic experts, and the media alike have pointed to funding shortfalls with alarm, expressing concern that pension promises are unsustainable or will squeeze out other pressing government priorities. A few local governments have even filed for bankruptcy, with pensions cited as a major cause. Alicia H. Munnell draws on both her practical experience and her research to provide a broad perspective on the challenge of state and local pensions. She shows that the story is big and complicated and cannot be viewed through a narrow prism such as accounting methods or the role of unions. By examining the diversity of the public plan universe, Munnell debunks the notion that all plans are in trouble. In fact, she finds that while a few plans are basket cases, many are functioning reasonably well. Munnell's analysis concludes that the plans in serious trouble need a major overhaul. But even the relatively healthy plans face three challenges ahead: an excessive concentration of plan assets in equities; the risk that steep benefit cuts for new hires will harm workforce quality; and the constraints plans face in adjusting future benefits for current employees. Here, Munnell proposes solutions that preserve the main strengths of state and local pensions while promoting needed reforms.

This is a guide for anyone in the academy faculty member, administrator or professional staff at whatever point she or he may be along the career path. Whether you are a newly-minted Ph.D. landing your first job, at mid career, or even already retired and concerned about how long your money might last, Ed Bridges offers you a straightforward, easy-to-grasp, and structured way to think about money, learn how it works, understand the priorities for your stage in life, determine your objectives, and develop a personal plan most likely to achieve them.Why a book specifically for those who work in higher education? The chances are that your retirement funds are mostly invested in TIAA-CREF funds, and that the plans created by the different institutions where you have worked, or will work, impose sometimes conflicting limitations of how you can manage your retirement money. This is potentially complex terrain with which many professional financial advisors are unfamiliar. This book provides ample guidance for you to manage your retirement funds, but if you do prefer to seek professional advice, it sets out the criteria for choosing a reliable advisor, and may even be a book from which your advisor can benefit if he or she is not fully conversant with TIAA-CREF s offerings, and the quirks of academic retirement plans.What makes this book unique is that Ed Bridges shares with you his self-education about the risky business of investing and retirement planning. As he writes, In schooling myself, I adopted the mind-set that I had used as a social scientist for the past forty-six years. I distinguished between fact and opinion and scrutinized the evidence behind every author s claims; moreover, I searched for research that might corroborate or refute these claims. In the process, I learned a great deal about the route I should have taken to retirement from the time I accepted my first academic appointment to the time I submitted my intention to retire. Join me as I relive my long journey so that you may avoid my wrong turns and succeed in reaching your ultimate destination, a worry-free retirement, despite the risks and uncertainties you will surely face when you retire. The book includes simple questionnaires and worksheets to help you determine where you stand, and think through your options."

This is a guide for anyone in the academy faculty member, administrator or professional staff at whatever point she or he may be along the career path. Whether you are a newly-minted Ph.D. landing your first job, at mid career, or even already retired and concerned about how long your money might last, Ed Bridges offers you a straightforward, easy-to-grasp, and structured way to think about money, learn how it works, understand the priorities for your stage in life, determine your objectives, and develop a personal plan most likely to achieve them.Why a book specifically for those who work in higher education? The chances are that your retirement funds are mostly invested in TIAA-CREF funds, and that the plans created by the different institutions where you have worked, or will work, impose sometimes conflicting limitations of how you can manage your retirement money. This is potentially complex terrain with which many professional financial advisors are unfamiliar. This book provides ample guidance for you to manage your retirement funds, but if you do prefer to seek professional advice, it sets out the criteria for choosing a reliable advisor, and may even be a book from which your advisor can benefit if he or she is not fully conversant with TIAA-CREF s offerings, and the quirks of academic retirement plans.What makes this book unique is that Ed Bridges shares with you his self-education about the risky business of investing and retirement planning. As he writes, In schooling myself, I adopted the mind-set that I had used as a social scientist for the past forty-six years. I distinguished between fact and opinion and scrutinized the evidence behind every author s claims; moreover, I searched for research that might corroborate or refute these claims. In the process, I learned a great deal about the route I should have taken to retirement from the time I accepted my first academic appointment to the time I submitted my intention to retire. Join me as I relive my long journey so that you may avoid my wrong turns and succeed in reaching your ultimate destination, a worry-free retirement, despite the risks and uncertainties you will surely face when you retire. The book includes simple questionnaires and worksheets to help you determine where you stand, and think through your options."