Download or read book Retirement Income Redesigned written by Harold Evensky and published by John Wiley & Sons. This book was released on 2010-05-25 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt: Clients nearing retirement have some significant challenges to face. And so do their advisers. They can expect to live far longer after they retire. And the problems they expect their advisers to solve are far more complex. The traditional sources of retirement income may be shriveling, but boomers don't intend to downsize their plans. Instead, they're redefining what it means to be retired—as well as what they require of financial advisers. Planners who aren't prepared will be left behind. Those who are will step up to some lucrative and challenging work. To help get the work done, Harold Evensky and Deena Katz—both veteran problem solvers—have tapped the talents of a range of experts whose breakthrough thinking offers solutions to even the thorniest issues in retirement-income planning: Sustainable withdrawals Longevity risk Eliminating luck as a factor in planning Immediate annuities, reverse mortgages, and viatical and life settlements Strategies for increasing retirement cash flow In Retirement Income Redesigned, the most-respected names in the industry discuss these issues and a range of others.

Download or read book Rock Retirement written by Roger Whitney and published by Morgan James Publishing. This book was released on 2017-10-03 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A guide for planning that rich season of life, based not just on money, but also on how to create meaningful relationships, memories, and legacy.” —Dan Miller, author of 48 Days to the Work You Love Rock Retirement offers inspirational advice on how to enjoy the journey to retirement to its fullest. Traditional retirement advice usually boils down to saving more, sacrificing more, and settling for less. This approach makes people dependent on systems outside their control, such as the market, economy, and investment returns. The result: people lose power over determining their life. What sets Rock Retirement apart is its holistic approach to helping people take back control and act intentionally towards the life they want. It addresses the fears, hopes, and dreams that people have about retirement, goes way beyond the numbers, and shows them how to balance living well today and tomorrow. “Too many books think retirement is just about finances. Instead, retirement is about looking at life in full and working out what it is you want to do and then turning to finances to make it happen. That’s exactly the focus of the practical and helpful guide.” —Andrew Scott, coauthor of The 100-Year Life “Roger Whitney lays out a plan for today’s modern retiree. If you are exhausted with being fed that retirement is the end game of life, then Roger’s book is a must-read!” —Darryl W. Lyons, author of 18 to 80 “If you’re dreaming of a retirement free of worry, chao and confusion, Rock Retirement will give you the clarity, a solid plan and fresh inspiration to help you get where you want to go.” —Jevonnah “Lady J” Ellison, author of Love Letters for Leading Ladies

Download or read book Successful Defined Contribution Investment Design written by Stacy L. Schaus and published by John Wiley & Sons. This book was released on 2017-02-07 with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt: Start-to-finish guidance toward building and implementing a robust DC plan Successful Defined Contribution Investment Design offers a comprehensive guidebook for fiduciaries tasked with structuring and implementing a 401(k) or other defined contribution (DC) pension plan. More than a collection of the usual piecemeal information, this book seeks to offer a complete, contemporary framework for plan design, together with tested methodologies and analytic techniques to help streamline plan monitoring, management and improve participant outcomes. Examples from plan sponsors provide on-the-ground insight while suggestions from DC consultants add expert perspective. Views from ERISA expert counsel provide additional understanding—along with input from academic thought leaders. Finally, investment evaluation and analysis is joined with participant savings and asset allocation data to look prospectively at potential outcomes, and case studies illustrate real-world implementation of objective-aligned asset allocation such as custom target-date strategies. Though the focus is primarily on U.S. plan design, author perspectives from countries including Australia, the United Kingdom and Canada provide relevant and helpful viewpoints for both new and experienced plan fiduciaries. For the vast majority of workers, DC plans have replaced traditional defined benefit pension plans as the primary source of employer-provided retirement income. This book provides comprehensive guidance to help you construct a plan to help workers to retire with confidence. Adopt a framework for DC evaluation and structure Learn new methodologies for investment choice evaluation Use the innovative PIMCO Retirement Income Cost Estimate—or PRICE—to help quantify the amount of money a worker needs to create and stay on track to building a real income stream in retirement Examine methodologies used at major companies in the U.S. and globally DC plans are the most rapidly growing retirement market in the world, yet sources of consolidated structural and analytical guidance are lacking. Successful Defined Contribution Investment Design fills the gap with a comprehensive handbook that covers the bases to help you develop an objective-aligned defined contribution plan.

Download or read book Preparing for an Aging World written by National Research Council and published by National Academies Press. This book was released on 2001-06-26 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt: Aging is a process that encompasses virtually all aspects of life. Because the speed of population aging is accelerating, and because the data needed to study the aging process are complex and expensive to obtain, it is imperative that countries coordinate their research efforts to reap the most benefits from this important information. Preparing for an Aging World looks at the behavioral and socioeconomic aspects of aging, and focuses on work, retirement, and pensions; wealth and savings behavior; health and disability; intergenerational transfers; and concepts of well-being. It makes recommendations for a collection of new, cross-national data on aging populationsâ€"data that will allow nations to develop policies and programs for addressing the major shifts in population age structure now occurring. These efforts, if made internationally, would advance our understanding of the aging process around the world.

Download or read book Work Optional written by Tanja Hester and published by Hachette Books. This book was released on 2019-02-12 with total page 245 pages. Available in PDF, EPUB and Kindle. Book excerpt: A practical action guide for financial independence and early retirement from the popular Our Next Life blogger. In today's work culture, we're expected to hustle around the clock. But what if you could escape the traditional path and get on one that doesn't require working full-time until age 65? What if you could wake up every day without an alarm clock and do the things you love most? Tanja Hester and her husband Mark left their crazed careerist lifestyle to live their dream life in Lake Tahoe, retiring early from high-stress careers. Now Tanja will help you map out a customized plan for freedom and make it easy to succeed, whether you're good at math and budgeting -- or not! Work Optional is more than just a financial plan: it's a plan for your whole life -- designed by you, not by an employer or clients. Tanja walks you through envisioning your dream life, accounting for variables such as health care and children, protecting yourself from recessions and future unknowns, and achieving a purpose-filled early retirement, semi-retirement, or career intermission with completely doable, non-penny-pinching steps. You can live a happier, more meaningful life, free from the daily grind. Regardless of where you are in your career, Work Optionalwill get you there.

Download or read book Designing Successful Target Date Strategies for Defined Contribution Plans written by Stacy L. Schaus and published by John Wiley & Sons. This book was released on 2010-03-09 with total page 278 pages. Available in PDF, EPUB and Kindle. Book excerpt: The ultimate guidebook for navigating the new world of pensions and retirement plans In the wake of the explosive growth of defined contribution (DC) plans invested with target date strategies, and the understanding of how important these strategies can be in effectively meeting retirement income goals, plan sponsors are seeking more optimal target date approaches. This timely book provides you with in-depth answers from the nation's most qualified and experienced experts to pressing questions about DC plan design. Presents the views of individuals from all across the market Includes a broad range of plan sponsors both in the corporate world and in the public/government sectors Offers views from consultants and advisors from the most respected firms, academics who teach at leading universities, and other innovative leaders With a broad range of knowledge and insight, Designing Successful Target Date Strategies in Defined Contribution Plans helps you understand the evolution of DC plans, pulls together all angles of what it takes to develop custom target date strategies, and provides you with a look ahead to the future.

Download or read book 7Twelve written by Craig L. Israelsen and published by John Wiley & Sons. This book was released on 2010-07-02 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: A proven way to put together a portfolio that enhances performance and reduces risk Professor Craig Israelsen of Brigham Young University is an important voice in the area of asset allocation. The reason? He keeps things simple. Now, in 7Twelve, he shows you how to do the same, and demonstrates how his approach to investing can help you grow your money as well as protect it. 7Twelve outlines a multi-asset balanced portfolio that is a logical starting point when assembling a portfolio-either as the blueprint for the entire portfolio or as a significant building block. Page by page, he will show you how to create a balanced portfolio utilizing multiple asset classes to enhance performance and reduce risk. Discusses how the 7Twelve portfolio includes seven core asset classes and utilizes twelve specific mutual funds or exchange traded funds Details the tax efficiency of this specific investment approach Shows you how to use the 7Twelve portfolio as a pre-retirement accumulation portfolio or a post-retirement distribution portfolio If you want to build a well-balanced, multi-asset portfolio, 7Twelve is the book for you.

Download or read book Individual retirement arrangements IRAs written by United States. Internal Revenue Service and published by . This book was released on 1990 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Evaluating the Financial Performance of Pension Funds written by Richard Hinz and published by World Bank Publications. This book was released on 2010-01-14 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt: Countries around the world are increasingly relying on individual pension savings accounts to provide income in old age for their citizens. Although these funds have now been in place for several decades, their performance is usually measured using methods that are not meaningful in relation to this long-term objective. The recent global financial crisis has highlighted the need to develop better performance evaluation methods that are consistent with the retirement income objective of pension funds. Compiling research derived from a partnership among the World Bank, the Organisation for Economic Co-operation and Development (OECD), and three private partners, 'Evaluating the Financial Performance of Pension Funds' discusses the theoretical basis and key implementation issues related to the design of performance benchmarks based on life-cycle savings and investment principles. The book begins with an evaluation of the financial performance of funded pension systems using the standard mean variance framework. It then provides a discussion of the limitations inherent to applying these methods to pension funds and outlines the many other issues that should be addressed in developing more useful and meaningful performance measures through the formulation of pension-specific benchmark portfolios. Practical implementation issues are addressed through empirical examples of how such benchmarks could be developed. The book concludes with commentary and observations from several noted pension experts about the need for a new approach to performance measurement and the impact of the recent global financial crisis on pension funds.

Download or read book The Oxford Handbook of Pensions and Retirement Income written by Gordon L. Clark and published by Oxford University Press, USA. This book was released on 2006-07-20 with total page 954 pages. Available in PDF, EPUB and Kindle. Book excerpt: This handbook draws on research from a range of academic disciplines to reflect on the implications for provisions of pension and retirement income of demographic ageing. it reviews the latest research, policy related tools, analytical methods and techniques and major theoretical frameworks.

Download or read book Pension and Annuity Income written by United States. Internal Revenue Service and published by . This book was released on 1990 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Oversight on the Employee Retirement Income Security Act of 1974 written by United States. Congress. House. Education and Labor and published by . This book was released on 1975 with total page 1000 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Ernst Young Tax Guide 2017 written by Ernst & Young LLP and published by John Wiley & Sons. This book was released on 2016-11-04 with total page 1083 pages. Available in PDF, EPUB and Kindle. Book excerpt: Authoritative, user-friendly tax help from a global leader in tax services The EY Tax Guide 2017 is the American taxpayer's essential companion, providing the answers you need alongside trusted advice from EY professionals and turning filing your taxes into a simple process. This book brings clarity and ease to an otherwise complex process, helping you see past impenetrable regulations to maximize your return. Covering issues that the normal taxpayer encounters year-in and year-out, this world-class guidebook has been updated to align with the most recent tax law changes that are often misunderstood and typically overlooked in other guides, including a new chapter with insights on the 3.8% levy on certain investment income known as the Net Investment Income Tax (NIIT). This year's guide also includes additional insight on simplified procedures for tangible property regulations and how they affect both individuals and businesses. Situational solutions offer specific advice tailored to homeowners, self-employed entrepreneurs, business executive, and senior citizens, helping you take advantage of every savings opportunity the government offers. At-a-Glance features provide quick guidance on tax breaks and overlooked deductions, new tax laws, and how to avoid common errors so you can dip in as needed and find the answers you need quickly. The EY Tax professionals keep track of tax law so you don't have to. Their in-depth knowledge and years of experience work together to help you file your taxes correctly and on time, without leaving your hard-earned money on the table. This invaluable resource will help you: Maximize your return with tax breaks and deductions See how the law has changed since last year's filing Avoid 25 common, costly preparation errors Identify 50 most overlooked deductions Get focused guidance on your specific tax situation No need to wade through volumes of IRS rulings or indecipherable accounting jargon; top-level tax advice in accessible language is an EY specialty. Make 2017 the year of frustration-free filing, and join the ranks of happy taxpayers with the EY Tax Guide 2017.

Download or read book Ernst Young Tax Guide 2018 written by Ernst & Young LLP and published by John Wiley & Sons. This book was released on 2017-11-15 with total page 1082 pages. Available in PDF, EPUB and Kindle. Book excerpt: Minimize your tax and maximize your 2017 return The EY Tax Guide 2018 offers professional guidance for DIY tax prep. As one of the nation's most trusted resources for tax advice, this book can help you keep more of your money while filing completely, correctly, and on time. Fully updated to reflect the latest changes to the law, this new 2018 edition cuts through impenetrable tax codes and IRS rulings to give you the answers you need quickly and easily. Whether you're a homeowner, self-employed entrepreneur, business executive, or senior citizen, you'll discover the best tax strategy for your particular situation. At-a-Glance reference sheets give you quick answers to common questions regarding new laws, breaks and deductions, and how to avoid common errors. No two tax years are alike. The laws change constantly, and even small changes can affect your return. This book cuts to the chase and tells you what's new, what it means for you, and what you can do to keep more of your money. Get up to date on changes to tax law, and how they affect you Identify breaks and deductions that can reduce your tax burden Zero in on the best tax strategy for your particular situation Find answers at a glance from globally-respected tax advisors Avoid the headaches that come with parsing IRS worksheets and documentation—EY has already done it for you! The EY Tax Guide 2018 gives you the answers you need and clarity you crave, backed by globally-trusted expertise.

Download or read book EY Tax Guide 2015 written by Ernst & Young LLP and published by John Wiley & Sons. This book was released on 2014-11-21 with total page 1032 pages. Available in PDF, EPUB and Kindle. Book excerpt: File taxes with confidence and maximize deductions with this industry-leading guide EY Tax Guide 2015 is your solution for a streamlined filing process. Authoritative and easy to follow, this trusted guide is designed to be accessible for individuals who need help navigating these turbulent financial times, providing information that can maximize deductions and avoid mistakes. Reference tables allow for quick look-up of useful information, including changes to tax law, common errors, and tax breaks, while the Special Content index points you toward answers for homeowners, senior citizens, investors, military personnel, entrepreneurs, and more. Fully updated for 2015, this guide even provides up-to-date tips on environmental credits for green initiatives. As global leader in tax and advisory services, it's no surprise that this EY (formerly Ernst & Young) guide has been rated the #1 choice in tax prep by USA Today. Distilling complex tax information into straightforward language, this resource is essential reading for anyone preparing to file a federal income tax return. You'll find hundreds of examples illustrating how tax laws work, plus sample forms and schedules that help you fill out your return step by step. We can help you save time and money as you: Discover the 50 most commonly overlooked deductions Find specific solutions to your particular circumstances Streamline the filing process with the tax organizer and tax calendar Follow a checklist of key tax breaks you may be eligible to use Preparing your own taxes doesn't have to mean wading through tax code or missing deductions. This guide contains the insight of EY professionals, plus the tools and references that can help ease the process. The EY Tax Guide 2015 provides the information you need to file your taxes yourself, with confidence.

Download or read book Pension Systems and Old Age Income Support in East and Southeast Asia written by Donghyun Park and published by Routledge. This book was released on 2012-03-15 with total page 283 pages. Available in PDF, EPUB and Kindle. Book excerpt: Old age income support will be one of the biggest social and economic challenges facing Asia in the twenty-first century. The growing spotlight on old age income support is largely due to exceptionally rapid population aging which is fundamentally reshaping Asia’s demographic profile. A young continent reaping the demographic dividend of a large youthful workforce is giving way to a greying continent where the ratio of retirees to workers is on the rise. In contrast to industrialized countries, most Asian countries do not yet have mature, well-functioning pension systems. As a result, they are ill prepared to provide economic security for the large number of retirees who loom on the region’s horizon. This book takes a close look at the pension systems of eight countries in East and Southeast Asia – namely, China, Indonesia, Korea, Malaysia, Philippines, Singapore, Thailand and Vietnam – which encompass a wide range of income and development levels. The book provides a comprehensive overview of pension systems in the eight countries, including an in-depth diagnosis to identify their major weaknesses and shortcomings. On the basis of the diagnosis, the book sets forth concrete and specific policy options for reforming Asia’s pension systems. Many policy options for reform are country-specific. For example, a top priority in China is to extend the pension system to rural areas. At the same time, a number of reforms – such as the need to extend coverage – resonate across the entire region. Appropriate reform will enable the region’s pension systems to deliver affordable, adequate and sustainable old-age economic security.

Download or read book Strategies to Encourage Older Workers to Voluntarily Extend Their Worklives written by United States. Congress. House. Committee on Ways and Means. Subcommittee on Oversight and published by . This book was released on 1980 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: