Title
SafetyFirst Retirement Planning: An Integrated Approach for a WorryFree Retirement (The Retirement Researcher Guide Series),Used
Delivery time: 8-12 business days (International)
Did you know that there is more than one way for retirees to meet their financial goals? Not everyone is comfortable relying on stock market returns from their investments. This book explains a different approach that first builds safety through a floor of reliable lifetime income.This is the meaning of safetyfirst retirement planning.In this book you will learn:How riskpooling through insurance works Why risk pooling is a source of additional spending that is competitive with potential stock market returns How commercial annuities provide this risk pooling in the same manner as Social Security or traditional company pensions How replacing some bonds with insurancebased risk pooling assets can improve the odds for retirees to meeting their spending goal and to support more legacy at the end of lifeI walk you through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance alongside investments.I describe the potential role and underlying workings for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate their options and make a choice about which way to go. I also examine the potential for whole life insurance to contribute to a retirement income plan.When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safetyfirst advocates support more efficient retirement outcomes. Safetyfirst retirement planning helps to meet financial goals with less worry. This book gives you the knowledge to evaluate different insurance options and implement these solutions into an integrated retirement plan.How did I come to write this book? After completing my Ph.D. in Economics from Princeton University with a dissertation about Social Security reform, I become an economics professor who studied the pension systems in different countries. Eventually I gravitated toward individual retirement planning and now work with unique job title of 'Professor of Retirement Income' and as director of the Retirement Income Certified Professional designation for financial advisors. This requires me to be agnostic and to search for the best with different retirement income styles. If the safetyfirst approach isn't for you, you might also check my explanation about probabilitybased alternatives in How Much Can I Spend in Retirement?
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Shipping & Returns
Shipping
We ship your order within 2–3 business days for USA deliveries and 5–8 business days for international shipments. Once your package has been dispatched from our warehouse, you'll receive an email confirmation with a tracking number, allowing you to track the status of your delivery.
Returns
To facilitate a smooth return process, a Return Authorization (RA) Number is required for all returns. Returns without a valid RA number will be declined and may incur additional fees. You can request an RA number within 15 days of the original delivery date. For more details, please refer to our Return & Refund Policy page.
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Warranty
We provide a 2-year limited warranty, from the date of purchase for all our products.
If you believe you have received a defective product, or are experiencing any problems with your product, please contact us.
This warranty strictly does not cover damages that arose from negligence, misuse, wear and tear, or not in accordance with product instructions (dropping the product, etc.).
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Your payment information is processed securely. We do not store credit card details nor have access to your credit card information.
We accept payments with :
Visa, MasterCard, American Express, Paypal, Shopify Payments, Shop Pay and more.