Retirement Security: Understanding and Planning Your Financial Future

Un guide complet et personnel d'éducation et de planification de la retraite d'un expert reconnu dans le domaine

Les baby-boomers et les busters se réveillent au fait que la sécurité sociale, l'assurance-maladie et d'autres droits qui ont contribué à fournir une qualité de vie raisonnable à leurs parents ne vont pas garantir le même niveau de prestations lorsqu'ils atteignent l'âge de la retraite. Les personnes à l'âge de la retraite ou à l'approche de la retraite, plus celles qui planifient aujourd'hui pour demain, doivent comprendre les différentes composantes de leur revenu de retraite, les facteurs qui les affectent et, surtout, comment élaborer le bon plan de retraite. Écrit par un ancien fiduciaire public de la sécurité sociale et de l'assurance-maladie et un ancien « tsar de pension », il s'agit du guide le plus complet et le plus fiable sur la planification de la retraite actuellement disponible. Pour aider les consommateurs à faire face à la crise de la retraite, la Sécurité de la retraite présente des stratégies et des opportunités qui peuvent être mises en place dès maintenant.

• Fournit une couverture complète des questions de sécurité sociale, d'assurance-maladie, de pension, de soins de santé personnels et d'investissement
• Offre des conseils et des conseils d'experts sur la coordination de ces sources de revenu de retraite dans un plan financier solide
• Explique, simplement et clairement, l'interaction complexe entre les programmes parrainés par le gouvernement et les opportunités du secteur privé

DAVID M. WALKER, CPA (Atlanta, Géorgie) est associé et directeur général mondial de la pratique de la rémunération et des avantages sociaux d'Arthur Andersen. Il a également été fiduciaire public de la sécurité sociale et de l'assurance-maladie et de secrétaire adjoint du travail pour les programmes de pension et d'allocations sociales.

Millions of Americans face the possibility of a personal retirement crisis in the coming years. In the not too distant future, known demographic trends, projected financial imbalances in Social Security and Medicare programs, changes in employer pension and retiree health plans and inadequate planning threaten to derail your retirement security. Only through personal education, informed planning, and disciplined action can you insure a reasonable standard of living and quality of life throughout your retirement years.

Retirement Security provides complete, candid, and insightful advice to help you separate retirement fact from fiction. Written by a retirement policy and planning expert with extensive experience in government and the private sector, this self–contained guide gives you the knowledge and the tools you need to make the most of your earnings and investments both now and in the future. You will gain a solid understanding of the many components that affect your retirement security and the factors that drive them, including full coverage of Social Security, Medicare, pensions, retiree health arrangements, personal savings, and more. You will also find out how to design, implement, and amend your own retirement strategy, using a straightforward and effective seven–step method based on sound and proven retirement savings and investment principles.

Whether you are embarking on a career, nearing retirement, or already retired, don′t let your golden years be tarnished by financial insecurity. Retirement Security will show you how to plan, save, and invest in your future so that you can afford to retire.

What is likely to happen to Social Security and Medicare programs?

How can I make the most of my employer–sponsored pension and savings plans?

How much income will I need for retirement?

How should I invest what I save?

When should I use IRAs or Keoghs?

Now you can find answers to these and other critical questions in one book Retirement Security, the most comprehensive and authoritative guide to retirement planning currently available. Combining sound analysis of the different components of retirement income with practical guidance on developing your own retirement strategy, the book′s unique, two–pronged approach gives you the knowledge and the tools you need to make the most of your financial resources both now and in the future.

Key features include:

• Comprehensive coverage of Social Security, Medicare, pensions, retiree healthcare, personal savings, and more.
• Clear explanations of the impact of demographics, economics, law, and politics on public and private sector programs and investments.
• A straightforward and effective seven–step method for devising and implementing your personal retirement plan.
• Crucial savings and investment principles to guide your retirement strategy.
• Informed guidance on where to seek further information about your government and employer–provided retirement benefits.