"You don't have to accept risk in order to grow your money."

What readers discover in this book is the woeful ineffectiveness of retirement planning as practiced by Wall Street and the brokerage industry. In place of this failed approach Jalbert offers the logic of financial tools provided by the insurance industry. These tools, though not well known in the marketplace, are many, varied and most often free of the risk associated with volatile markets.
His mission is to design retirement plans that are as foolproof as possible, and making sure that a stable and predictable lifelong income is provided under any economic circumstances.

Dying is a fact of life. Everything you need to know before you go.
If you're reading this, you've come to the realization that someday, you will in fact, pass away. For many families the event is traumatic enough but then the aftershocks of the planning process can make it worse. It doesn't have to be that way. This book will provide you with the information to plan everything well in advance, taking the burden off of your family entirely. You hold in your hands the information and essential implementation steps that you need presented in an engaging, thought provoking and surprisingly entertaining way.
You may feel a little uncomfortable talking about what happens when you pass away. That's understandable, most people do at first. However death and dying is a fact of life. Keep in mind that the planning process is not about you; it is about your family and loved ones and providing THEM with peace-of-mind and comfort.
Why am so passionate about this topic?
- I am the sole survivor of a family of five.
- I have been a firefighter for over 25 years.
- I have been a responder to some of the nation's most tragic events, including school shootings, aircraft accidents and the attack on America on 9/11.

Some of the informative topics discussed include:
- Why planning is important
- 7 key things you must have in your will
- Creative ways to utilize life insurance
- Tips for flawless funeral planning
- What happens to your finances when you die
- Long and short-term financial planning
- Special little known facts about Socia Security and veteran's benefits
- Protecting your assets
- Legacy planning, how do YOU want to be remembered
- Planning for business separation if you are a business owner
This book will provide you with the tools to start your very own planning process and provide peace-of-mind for your family. Remember, it's not about you; it's about them.

So long nostalgia, and goodbye resignation! This book of quotes reminds us that growing old isn't about slowing down and taking it easy-it's a chance to ask, "What's next?" "Aging is an extraordinary process where you become the person you should have been." -David Bowie Sixty is the new fifty, seventy's the new sixty, and older is getting younger every day. With fun, forward-looking, and inspiring quotes, So Who's Counting is the ideal gift for baby boomers or anyone reaching a major age milestone. Instead of cloying sentimentality or the standard sagging-body-part jokes, it strikes the perfect balance of humor, guidance, reflection, bon mots. Quotes are divided into eight sections, such as "As Old as You Feel," "Laughter: The Best Prescription," and "Aged to Perfection." So Who's Counting is all about aging with gusto and celebrating what lies ahead.

Since the 1970s early exit from work has become a major challenge in modern welfare states. Governments, employers, and unions alike once thought of early retirement as a peaceful solution to the economic problems of mass unemployment and industrial restructuring. Today governments and international organizations advocate the postponement of retirement and an increase in activity among older workers. Comparing the USA, eight European countries, and Japan, this book demonstrates significant cross-national differences in early retirement across countries and over time. The study evaluates the impact of major variations in welfare regimes, production systems, and labor relations. It stresses the importance of the 'pull factor' of extensive welfare state provisions, particularly in Continental Europe; the 'push factor' of labor shedding strategies by firms, particularly in Anglo-American market economies; and the role of employers and worker representatives in negotiating retirement policies, particularly in coordinated market economies. Over the last three decades, early retirement has become a popular social policy and employment practice in the workplace, adding to the fiscal crises and employment problems of today's welfare states. Attempts to reverse early retirement policies have led to major reform debates. Unilateral government policies to cut back on social benefits have not had the expected employment results due to resistance from employers, workers, and their organizations. Successful reforms require the cooperation of both sides. This study provides comprehensive empirical analysis and a balanced approach to studying both the pull and the push factors affecting early exit from work needed to understand the development of early retirement regimes.

Everyone deserves to be able to retire with dignity, but this core feature of the social contract is in jeopardy. Companies have swerved away from pensions, and most of the workforce has woefully inadequate retirement savings. If we don't act to fix this broken system, rates of impoverishment for senior citizens threaten to skyrocket, and tens of millions of Americans reaching retirement age in the coming decades will be forced to delay retirement and will experience a dramatic drop in their standard of living. In Rescuing Retirement, Teresa Ghilarducci and Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. Built on people's own money in individual Guaranteed Retirement Accounts, the plan requires no new taxes, no more bureaucracy, and no increase in the deficit. Speaking to Americans' growing anxiety about their ability to retire, Rescuing Retirement provides answers to anyone wanting to understand the growing movement to protect a period of life once considered a deserved time of rest and creativity and offers a practical guide to the future of secure retirement.

There are nine key reasons people fail at retirement--and they're not what you think. Are you working to avoid these major retirement fails? Every day, people just like you, people who have worked hard and saved carefully for retirement, make decisions that will eventually crack their nest egg. Just because you added to your 401(k) or IRA plan every year, invested wisely, and amassed significant savings, you are not necessarily home free. Ready or not, your decisions all along the retirement path can positively or negatively affect your financial future. In Retirement Fail, top financial advisor Greg Sullivan shares the insights he has gained over his thirty-five-year career in wealth management to help you identify potential pitfalls and learn how to safeguard your hard-earned retirement assets. Because, contrary to what most people think, it is not poor portfolio performance that usually busts your retirement accounts. Rather, it's the emotional decisions you make that can cause major problems. Whether it's buying a vacation home that is beyond your reach, subsidizing your adult kids to a degree that is ill advised, or passing on the umbrella insurance your advisor recommended, the choices you make have an enormous effect on whether you'll be able to enjoy the comfortable retirement you've dreamed about. Retirement Fail: Lays out the nine common hazards that trip up otherwise well-prepared retirees, encouraging you to think through your decisions and set a course aligned with your values and your ultimate goals Goes beyond traditional financial advice, using personal stories to illustrate how others have become mired in--or solved--these financial dilemmas Creates a valuable framework you can use to chart your path or begin conversations with your advisor, so that you can act to protect your financial independence The numerical side of financial planning is one thing--the far more difficult task is looking at the way the decisions we make impact our own future and those around us. Whether you are working with a financial advisor or are going it alone, Retirement Fail shows you the points you need to pay attention to and helps you figure out what your priorities are--and what tradeoffs you may have to make in order to achieve them.

'Retire' means to 'withdraw', to 'retreat', to 'give ground', to 'cease to compete'. In one sense that is true: retirement does involve a leaving of office or employment. Yet retirement is also about new beginnings and new opportunities. In this helpful book, grounded both in personal experience and in extensive research among retired ministers, and rich in quotations from an eclectic range of writers, Paul Beasley-Murray explores how retirement is part of God's rhythm for our lives and provides encouragement and insights for this next stage of the journey. A must-read for lay and ordained Christians alike. 'Like all the writings of Paul Beasley-Murray, this refreshing book is thoroughly researched and generously illustrated from personal experience, and never shrinks from reflecting on the shadow side of this period of life.' David Coffey OBE, Global Ambassador for BMS World Mission and past President of the Baptist World Alliance 'An invaluable aid for ministers of religion, in particular, and other people, generally, as they prepare for retirement.' Revd Dr Richard Jackson, Methodist minister and pioneer (in retirement) of the Cliff College International Training Centre

There is no such thing as a job for life anymore. People are getting outsourced, paid less, told to work longer hours and are being replaced with Robots and imminently Artificial Intelligence. "The Financial Freedom Guarantee" is for people that really want to start doing what they LOVE to do instead of doing what they have to do to pay the bills. "The Financial Freedom Guarantee" teaches you how to create enough Passive Income from Four Award Winning Property Investment Tools that create enough Positive Cash-flow to replace your Living Expenses. Meaning you never have to rely on a Salary ever again.