Download or read book The Silent Retirement Crisis written by Cindy Couyoumjian and published by Greenleaf Book Group. This book was released on 2023-10-31 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement does not have to be stressful and scary. With proper planning, Americans can not only retire comfortably: They can also prosper. Cindy Couyoumjian’s third book explores the silent retirement crisis that will impact millions of Americans. She uses the term silent to convey the idea that the majority of those who are about to retire, or are in retirement, share a common and unspoken fear—running out of money. Couyoumjian asserts that the anxiety people have about their retirement is not a misdirected emotion. We are led to believe that the fear (silent as it is) is due to our lack of financial literacy or not having a financial plan in place. While some of this is true, it’s not totally our fault: Her book addresses the big-picture, systemic problems that conspire against average Americans while favoring the wealthy few. The first third of the book explores how broken capitalism has contributed to our broken retirement system. The second third offers us a new way of thinking and investing, underscoring how university endowments have achieved extraordinary return by using a multi-asset class investment approach. Part III offers meaningful solutions to the retirement crisis. The author introduces us to her flexible and customizable REALM model designed to potentially protect clients from sudden market losses. Also included is other valuable information such as estate planning, tax strategies, 401(k) rollover options, life insurance, and long-term care initiatives. Couyoumjian shows us that retirement planning isn’t just savings and investing. With an umbrella of other planning items, we can take action to make the difference between an anxious retirement defined by uncertainty and a comfortable one, grounded in prosperity. Founder of Cinergy Financial, Cindy Couyoumjian believes financial literacy is a moral imperative and has dedicated her professional life to helping people understand the constantly evolving financial and economic landscape. With 37 years of industry experience, she is a leader in the financial industry, managing over $200,000,000 in assets. She is the author of two previous best-selling books, Redefining Financial Literacy, (2021) and The Rise of Women and Wealth (2022). She has appeared on NBC, CBS, FOX 40, talk radio AM870 and 790 KABC, and was a brand contributor to Forbes in 2020. Her dedication and commitment to empower with facts, not fear, are unwavering as she continues to educate and guide her clients toward their individualized financial goals and objectives.
Download or read book Falling Short written by Charles D. Ellis and published by Oxford University Press, USA. This book was released on 2014 with total page 169 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their pre-retirement standard of living. Falling Short explains how to meet the challenge, through both individual and collective actions to work longer and save more.
Download or read book Real Retirement Crisis written by Biggs and published by . This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Retirement Crisis written by Brett Goldstein and published by Im Press, Incorporated. This book was released on 2011-09 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: For many, their retirement savings were obliterated by Wall Street's staggering decline combined with corporate greed, mismanaged retirement plans, and a broken retirement system. This perfect storm has left the next generation of retirees poised for financial chaos. Instead of living out one's golden years relaxing by the pool or traveling the globe, many will find retirement unattainable. For a growing number of Americans it will leave them living at or below the poverty line, barely able to afford basic living essentials. For this ever increasing number of Americans a retirement crisis doesn't just loom on the horizon, it has arrived, and brought with it disastrous implications. It begs the burning question of who wants to work their whole lives only to retire into poverty? Better still, it behooves us to understand how this happened and what we may still be able to do in order to resurrect our retirement plans.
Download or read book Yes You Can Still Retire Comfortably written by Ben Stein and published by Hay House. This book was released on 2005 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: Outlines how baby-boomers can plan for retirement, discussing how to invest to get the maximum return from savings and how to use an established nest egg to get the most income.
Download or read book The Real Retirement Crisis It s Not Where You Think Economics written by Andrew G. Biggs and published by . This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Is There a Retirement Crisis an Exploration of the Current Debate written by George A. (Sandy) Mackenzie and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Falling Short written by Charles D. Ellis and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their pre-retirement standard of living. This book provides both a vivid picture of the retirement risks facing all Americans and a short list of practical solutions that build on our existing retirement system. The book offers the necessary context for understanding the nature of the retirement income shortfall.
Download or read book Americas Retirement Crisis written by Michael Cosentino and published by American Liberty Financial. This book was released on 2014-11-07 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book was written by Michael Cosentino , the book goes into the problems with our current retirement savings plans in the U.S. and why they are set up to fail for most people..He discusses practical solutions that allow people to build wealth safely and pull their money out tax free in retirement.
Download or read book America s Retirement Crisis written by Arthur D. Little, Inc and published by . This book was released on 1993 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book But what If I Live The American Retirement Crisis written by Gregory Brandon Salsbury and published by . This book was released on 2006 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is dramatic wake-up call for a generation of overspent and under-saved Americans who face the very real possibility of outliving their money. Yesterdays retirees were supported by guaranteed income sources. Today, baby boomers are looking at a very different picture, one where they are increasingly responsible for generating their retirement income from personal savings while facing a longer life expectancy and astounding leaps in expenses. Key Selling Points: explores the seven key challenges that stand between baby boomers and a successful retirement; helps baby boomers recognize and address the key challenges to retirement; guides baby boomers to better plan for the income they will need so they can achieve the retirement they deserve.
Download or read book Up in Smoke written by Richard L. DeProspo and published by Richard Deprospo. This book was released on 2015-05-08 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Up in Smoke provides a startling examination of the current state of our nation's four main sources of retirement funding: Social Security, corporate sponsored defined benefit programs, local government pension plans and defined contribution plans. Each of these programs is tragically underfunded, at a time when demographics are forcing a tidal wave of Americans into retirement."--Page 4 of cover.
Download or read book The Real Time Bomb written by David Hoefferle and published by . This book was released on 2005 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Alan Greenspan, Chairman of the Federal Reserve Board has said: "If we have promised more than our economy has the ability to deliver to retirees without unduly diminishing real income gains of workers, as I fear we may have, we must recalibrate our public programs so that pending retirees have time to adjust through other channels. If we delay, the adjustments could be abrupt and painful." (Jackson Hole, Wyoming August 27 2004). Difficult financial times may be ahead. For the first time in history, older people will soon outnumber the young. And many of us will live to see the results. America is among the nations struggling for an answer to this demographic crisis. If a solution is not found, the aging of our population will soon cause a devastating economic crash. THE REAL TIME BOMB is enlightening, passionate, and full of essential information regarding the hazards of our future economy and how to avoid them. David Hoefferle is a financial and tax consultant who compels you to take a good hard look at the facts while he explains their consequences in-depth , and how to get ready, making this a book everyone must read.
Download or read book The Predictable Surprise written by and published by . This book was released on 2012 with total page 452 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social Security in the United States is in jeopardy, private pensions have fallen apart, and workers are trying to save on their own for retirement with the stock market in the worst shape since the Great Depression. This book shows that forewarnings of the coming retirement crisis have been apparent for decades, but we have never mustered the political will to address the problem. It brings the discussion up to the present morass and concludes with suggestions as to how the retirement system can be reformed.
Download or read book Millennials and the Retirement Crisis written by Joshua Anderson and published by . This book was released on 2016 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book 50 States of Gray written by Arun Muralidhar and published by . This book was released on 2018-05 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Another retirement crisis is looming as one-third of private-sector, typically poor and unsophisticated workers, probably have little to no pension security. The fifty states have decided to enact reforms, but they are unwilling to assume any liability. Effective reform should ensure a target, guaranteed, inflation/standard-of-living-indexed retirement income through death. The book proposes a four-step reform process that articulates roles, responsibilities, and sequencing of steps to effectively address the looming retirement crisis. Current reform models potentially expose participants to costly, risky, error-prone, and illiquid alternatives, which could transfer wealth from poor citizens to rich asset managers and from short-lived poor and minority citizens to rich and majority populations. Retirement planning presents a wealth of complex challenges associated with saving, investing, and decumulation. To address these challenges, Muralidhar provides an innovative Flex MMM reform model that reflects the goals of numerous stakeholders, including, states, employers, employees, asset managers, and regulators, by showing steps the federal and state governments could take to alleviate the guesswork and insecurity involved in the retirement saving process. Muralidhar also demonstrates that the lynchpin for retirement security globally is an innovative new retirement bond (called SeLFIES ) he has jointly developed with Robert C. Merton that governments could easily issue to achieve multiple goals.
Download or read book Rescuing Retirement written by Teresa Ghilarducci and published by Columbia Business School Publi. This book was released on 2018 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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. It offers a practical guide to the future of secure retirement.
