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FULLY REVISED to reflect the 2024 Tax Laws, Tax Tables, and more, this book is a beacon for those navigating the path to retirement. As world-renowned speaker, motivator and best-selling author Tony Robbins succinctly puts it, “Income… is the outcome that matters.” This pivotal statement underscores the importance of establishing a sound lifetime income plan for retirement. Unfortunately, a staggering 75% of retirees lack a retirement plan, leaving their future income to chance.
As Benjamin Franklin wisely noted, “If you fail to plan, you are planning to fail!” Is your current strategy based on a hope-and-see approach? Remember, there are only two possibilities when it comes to retirement. Either your MONEY will outlive you (Door #1) or YOU will outlive your money (Door #2). There is NO third option!
This book presents a comprehensive guide for formulating a secure, 30-plus-year monthly cash-flow retirement plan. It is grounded not on speculation or wishful thinking, but on solid certainty and predictability. As a Certified Financial Planner with over 20 years of practical experience, I’ve created hundreds of straightforward, written retirement income plans for clients across the U.S.A. My extensive and diverse professional background inspired the creation of this second book.
Targeted at those within ten years of retirement or already retired, this book provides a wealth of educational retirement planning information. It concludes with three example client lifetime income plans that illustrate how the combination of Social Security, pensions, investments, and insurance can generate a steadily increasing lifelong income while offsetting the top 5 retirement risks.
What are these risks? They include inflation, stock and bond market volatility, escalating healthcare costs, potential tax increases, and the ultimate concern — outliving one’s income. The aim is to establish a reliable and incrementally increasing lifetime monthly cash flow that assures financial freedom and peace of mind throughout a potential 30-plus-year retirement period.
While most planners focus on “Asset