Pensionisttilværelsen

A study of the UK Financial Advice profession over 40 years including interviews with many financial services professionals who have been there and done it and some who are living in it to the present day.

While one in five of us will need significant assistance with the activities of daily living or long-term care for more than five years, costing as much as $100,000 per year, about 50% of women ages 55 to 66 have no personal retirement savings. Aging Into Poverty spotlights the looming crisis for American women, their families, and communities. Author Kathy Sharp details the history and public policy decisions that have consigned so many senior women to spend the end of their lives on waiting lists for care and dependent on public assistance. Aging Into Poverty is a compelling personal narrative drawing from the experience of a caregiver who scrambled to put supports in place as her mother, a retired CPA, outlived her savings as her deteriorating health needs required an escalating level of care. Sharp describes the options for senior care in the United States detailing the budget and eligibility requirements. The system is designed so that the dependent elderly must be impoverished in order to qualify for Medicaid which is the only source of public subsidy for long term care. Many seniors do not realize that Medicare does not cover long term care. Sharp recognized that her mother's experience was not unique, and that her learnings and solutions could help other dependent senior women and their caregivers generate options and secure resources. Drawing on the work of Dr. Keren Wilson, one of the early pioneers in assisted living, Aging Into Poverty describes the framework for evaluating options for senior housing and healthcare which maximize autonomy and community.

Approaching retirement and frustrated with her job, Siobhan Daniels made a BIG decision: to start living life on her own terms. Rather than hiding from life's challenges, she bought a motorhome and drove off to find them. Retirement Rebel is Siobhan's story about how she stepped off the merry-go-round of life and started enjoying the journey.

"The Quick & Legal Will Book provides the forms and step-by-step instructions to create a simple, valid will that protects family and property after death. This book explains how to name beneficiaries to inherit assets, choose a guardian for young children, set up a trust for minors, name an executor (and a backup), choose appropriate witnesses, finalize a will, and revoke or change the will if necessary. This book also explains basic estate planning, including steps one can take to avoid probate court"--

Do you want to achieve financial freedom, but have no idea how to get there? Do you feel like you just aren't making enough money? Are you stuck in debt and wish you could get out? Do you feel like your current financial plan isn't working or isn't working well enough?If you said yes to any of these questions, it's time for you to begin your Ten-Year Turnaround. The Ten-Year Turnaround is a life-changing financial plan that will enable you to turnaround your money problems and finally achieve financial freedom.By reading The Ten-Year Turnaround, You'll Learn How to...Grow your income by becoming an expert salary negotiator, starting your own business or doing a side-hustle on nights and weekends.Unlock the power of life-long learning and personal networking in your life so that career and business opportunities show-up at your door.Become an expert money manager and avoid the most common mistakes that prevent people from building wealth.Learn proven wealth building techniques that allow anyone to grow their net worth, each and every month.Build a dead-simple investment portfolio that will provide a life-time stream of income.Reduce your taxes, prevent lawsuits and eliminate financial risk from your life.Become a world-class philanthropist and learn how to effectively give money to charity.In 2004, Matthew Paulson was a broke and in debt college student that earned $7.00 an hour working at McDonalds. By using the wealth building strategies outlined in The Ten-Year Turnaround, Matthew was able to build a series of online businesses and amass a personal net worth of more than $10 million by the time he was thirty years old. Whether you're in debt or doing well, you can use the same strategies Matthew used to build wealth and achieve financial freedom faster than you ever thought possible.

Ever wondered if you're making the right moves to secure your retirement? The Concise Reads guide on Investing For Retirement is the first guide in the investment series based on the personal experiences of Best Selling author Peter Oliver. This is not investing 101 or investing for beginners. It's more than that. This is a tell all concise 100-page guide on optimizing your retirement planning. Peter had done a remarkable job of using the first guide in the series to get the reader to think differently about investing for retirement. The reader not only gains a whole new appreciation for all the options available to maximize one's hard earned dollar but is empowered to take a more active role in their retirement fund. The guide takes young and old through the important concepts that are necessary to build this change in perspective which include: Investing your savingsSteering clear of get rich scamsHow much do you need to retire?Social Security, IRAs, Roth IRA, and 401kAsset Allocation in RetirementStocksIndex FundsETFs and how to properly use them to work for youMutual FundsBondsAlternative InvestmentsOnline tools for screening fundsBrief sneak peak into technical tradingInvestment options during a BEAR market...and of course also included are charts, anecdotes, and personal strategies that Peter himself accomplished to invest in his retirementThe second guide in the series is for the more advanced autodidact scholar and teaches the fundamentals of technical analysis and momentum trading.INVESTMENT SERIESINVESTING FOR RETIREMENTTECHNICAL ANALYSIS IN STOCK TRENDS

ARE YOU CONSIDERING A RETIREMENT COMMUNITY? In this book, you will learn what you need to know about the retirement living landscape.

#1 Wall Street Journal Bestseller and New York Times BestsellerThe acclaimed authors of Winning show you how to galvanize performance, unleash growth, build "wow" teams, and create a fulfilling career?and have fun while you're at it.In an economy that is changing so rapidly it can feel impossible to keep up, questions abound: Why do some companies grow and thrive amid the tumult, while others stagnate and stumble? What's the best way to avoid a competitive whack, or to come back from one if you get hit? How can leaders unlock the passion and performance of every person on their team, including the tech "geniuses" whose work they don't fully understand, the "virtual" employees they don't really see or know, and the entrepreneur wannabes with one foot out the door? And on a personal level, you may be asking yourself: Will I ever land the dream job that I am destined for? Or will I forever be stuck in career purgatory? Why is finding the right career suddenly so complicated?Experts espouse theories and concepts, but when it gets right down to it, winning in business is all about mastering the gritty, make-or-break real-life dilemmas that define the new economy, the old economy, and everything in between. In The Real-Life MBA, Jack and Suzy Welch provide that guidance, drawing on their experiences over the past decade working closely with businesses of every size and in every industry around the world. The result is a book full of fresh, immediately applicable, sometimes even counterintuitive lessons about how to create great organizations, build high-powered teams, and forge fulfilling careers in today's new business environment.

What if you could do what you're passionate about and achieve work-life balance? What if you were relieved of the pressure to have some massive amount saved? Retiring while you work is possible no matter your level of wealth. In his book, The Currency of Time, author David Adams introduces his three buckets of life approach to create fluid life financial plans, not emergency retirement quitting plans. Using the three buckets approach will help you feel more free, joyful, and fulfilled. We can all find joy in the journey of life while still satisfying our ambitions, goals, health, and personal and spiritual lives. Adams teaches us that if we learn to prioritize living life while also planning for the future, we can find the kind of work-life balance that fuels dreams.

Understanding Retirement Planning provides students with a comprehensive understanding of the real-world applications of retirement planning, as well as an exploration of the opportunities and challenges they will likely face in their career as a retirement planner. As students progress through the five modules within the anthology, they move from learning the basics of retirement planning to develop knowledge and skills centered around holistic retirement pla

Updated for new retirement withdrawal rules from the SECURE 2.0 Act. Winner of a 2022 Readers' Favorite Book Award. Recommended by Kirkus Reviews.You may have spent years saving for retirement. But have you thought of the best way to use the money you saved? How you withdraw from your IRA, 401(k), and other accounts can have a major impact on how much you will pay in federal income taxes during retirement. This book shows how to develop your own tax-wise withdrawal strategy. Topics include: -- Why Conventional wisdom-waiting to use "tax deferred" 401k and IRA accounts until Required Minimum Distributions begin at age 72- can lead to paying more taxes than you need to. -- One simple change can save thousands of dollars in federal income taxes. -- You can implement the change without new investments, purchases or fees-just use your existing accounts. -- Evaluate whether you can save in taxes by using an online Retirement Tax Saver tool. -- Use the Retirement Tax Saver tool to pick your winning withdrawal strategy and estimate how much you could save over the course of your retirement years. -- Why you can and should implement a withdrawal strategy now to take full advantage of the strategy before 2026 when the current tax cuts expire. -- Design your own personal strategy that takes into account your tax deferred and other assets, your Social Security benefits, and other sources of income. (Yes, Social Security can be subject to federal and even state income taxes!) -- Find out which states tax Social Security-and how a withdrawal strategy could save you even more if you live in a state with income taxes.When I prepared for semi-retirement, I could not find information to guide me on how to withdraw from retirement accounts tax-efficiently. I decided to create the Retirement Tax Saver tool. I thought the information I learned from the tool was important to share with others so I wrote the book, From Savvy Saver to Smart Spender: How to Pick a Tax-Wise Retirement Withdrawal Strategy.About 80 percent of retirees wait to use tax-deferred accounts such as 401(k) and IRA accounts until they "have" to withdraw from them at age 72 (when Required Minimum Distributions kick in for most people). That "Conventional" approach, however, can wind up costing a lot more in taxes in the years after 72. This book shows you a better way that takes advantage of lower tax rates before you reach age 72.Married and single filers can use this book and the Retirement Tax Saver tool to Implement a simple withdrawal strategy for retirement that could save you thousands, or even tens of thousands, of dollars in taxes.

-What do you do when you want to retire, but the numbers don't add up? -What if you want to work longer, but your company forces you out-with a buyout if you're lucky? -What if family or physical issues push you to an unwanted early retirement? When college professor Mike Bellah took an early buyout, he expected the golden years to live up to the carefree, happy times pictured in magazine ads. But, within weeks, the reality of lost identity and limited funds left him panicked and depressed. In The Best Is Yet to Be, Dr. Bellah uses extensive research, personal narrative and real-time blogs to explain how he got his hope back, and, with it, discovered the secret to a happy retirement.

Most of us have settled for living a less than full life, in general and particularly in retirement. If you're willing to pause and be intentional about what your retirement years are meant to be and who you are called to be, these years will be the best years of your life, they will be your most impactful and legacy building years. Renewalment - Thriving in Retirement will help you discover the disillusionments of retirement and how to avoid them. You'll learn the why, what, and how for thriving in retirement. You'll flourish as you understand what the Bible has to say about retirement and related topics like work, leisure, lifestyle, vocation/calling, and financial principles and how to apply them in your life. You'll have a path to discovering your unique journey to living a full life in retirement, one based on a rock-solid foundation of biblical principles. Bruce lives in Colorado with his wife Bonnie. They're blessed to be in the lives of three adult children with three amazing spouses and four joy-filled grandchildren. Bruce spent 37 enjoyable years in financial services with a fortune 300 faith-based company and with his own startup businesses. Bruce transitioned from a full-time job to a season of Renewalament four years ago with a focus on maturing has a follower of Jesus, supporting family, volunteer endeavors, and helping others thrive through and in life transitions as a Life Coach and Renewalment Coach based on a rock-solid foundation of biblical principles. Bruce and this book are driven by his core values to Love, Serve, and Grow. To love God and his neighbor, to serve others and to act like Jesus, and to continually mature as a Jesus follower.