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ISBN-10 0132963086ISBN-13 9780132963084
ISBN-10 0132963035ISBN-13 9780132963039
Author(s): Gail MarksJarvis
Publisher: FT Press
Copyright year: © 2013 Pages: 288

Americans are increasingly worried about retirement. Their savings have been buffeted by repeated stock market collapses. Healthcare costs keep soaring. Uncle Sam is moving towards limiting Social Security and Medicare benefits. Individuals are facing more risk today than they have since the Great Depression. This book will relieve confusion and barriers to action. It acquaints readers with people like them, and step-by-step addresses what's likely confusing them. Instead of starting with some lofty financial planning theory, it walks individuals through the process everyone goes through with IRAs and 401 (k)s -- leaving no basic questions unanswered. Instead of telling readers to open an IRA-as many books do-it tells them how to open one: where to go, what the forms mean, how to decide how to invest, the essential first steps. The book removes everything from the reader's path that typically trips people up and hits the sweet spot for everyone from aged 18 to 60. Using new figures (including troubling new projections of healthcare and long-term care costs), she helps readers calculate exactly how much money they'll need. Next, she presents optimal asset allocations for each stage of life -- and shows how these allocations would've protected typical investors through the past five tumultuous years. Packed with her readers' personal stories, this book teaches powerful professional financial planning principles -- but makes them simple enough for anyone to apply on their own.