Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success (The Retirement Researcher Guide Series) - Softcover

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The Retirement Planning Guidebook is a practical, plain-English retirement planning book for people approaching or already in retirement. It helps you make confident decisions about retirement income, Social Security, Medicare, taxes, housing, long-term care, and lifestyle—so nothing important falls through the cracks.

Retirement is one of the most important—and complex—financial decisions you will ever make. Unlike your working years, retirement introduces new risks, tradeoffs, and irreversible choices. Mistakes can be costly, stressful, and difficult to fix.

This book helps you move beyond one-size-fits-all advice by showing how your personal retirement income style should guide every major decision you make.

Inside, you’ll learn how to:

• Clarify your retirement income style so you can cut through conflicting opinions and choose strategies that fit you.

• Build sustainable retirement income using the right mix of investments and insurance products.

• Determine if you’re truly ready to retire by aligning your assets with spending needs, legacy goals, and contingency reserves.

• Make smart Social Security decisions, potentially adding $100,000 or more in lifetime benefits.

• Navigate Medicare and health insurance choices, including options when retiring before Medicare eligibility.

• Incorporate housing decisions—where to live and whether to tap home equity—into your retirement strategy.

• Manage long-term care risks, weighing self-funding, insurance, Medicaid planning, and aging-in-place solutions.

• Draw from your accounts tax-efficiently, using withdrawal sequencing, Roth conversions, tax-rate management, and gains harvesting to increase after-tax spending.

• Organize your financial and estate planning, including a will, beneficiary designations, powers of attorney, health care directives, and trusts.

• Prepare for the non-financial side of retirement, including purpose, structure, relationships, health, and lifestyle fulfillment.

Retirement comes with its own vocabulary—the 4% rule, sequence-of-return risk, income annuities, reverse mortgages, the alphabet soup of Medicare choices, RMDs, Roth conversions, tax torpedoes and tax cliffs, buffer assets, rollovers, and more. This book demystifies what these concepts mean, when they matter, and how they fit into a cohesive retirement plan.

The Retirement Planning Guidebook gives you a clear framework for addressing both the financial and non-financial aspects of retirement—so you can approach your retirement years with confidence, clarity, and purpose.

I hope this book helps you build a retirement that allows you to do something great.

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