How to Achieve Lifetime Financial Security


Book Description

"If you don't know where you're headed you'll never get there". A wise philosopher, Yogi Berra, said it. I always liked that saying. It encapsulates why it is so important to have a plan for your future. That future may be just your goals for the next year or two or it may be as long as a full term retirement plan. Whatever it is, once you have a roadmap towards the next step in your life, decisions about such things as expenditures, investments, savings, insurance, and more, become that much easier and give you a rational framework for each financial action you take.Whether you're just starting out in your first job; or you're a young family with young children; or a family with kids heading for college; or a couple nearing retirement; or a couple already retired, this book will spell out, in simple terms, the steps you need to take to live a secure, comfortable life.Consider the amount of time you spend to make good decisions about all the other things in your life (What house or car to buy, what school your child should go to, even what TV or refrigerator to get). What could be more important than making the proper financial decisions that will affect your entire life.As a Certified Financial Planner with over 25 years of experience, I've successfully guided hundreds of clients through the various stages of their lives. This book can do the same for you. In addition to the book you also get free access to my website www.onepageretirement.com which gives you the on line tools to help guide you through the process of Achieving Lifetime Financial Security for you and your family.




The Secret to Lifetime Financial Security


Book Description

Have you been doing "all the right things" financially that you've been taught to do, but you haven't achieved the growth or financial security you hoped for? If so, you're not alone. The typical investor lost 50 percent of their savings-TWICE!-in just one decade. Wall Street and the big banks control the financial system and pad their own pockets at your expense. They're deemed "too big to fail" and get bailed out-an option you don't have. The system is clearly rigged, so why leave your life savings at their mercy? Instead, discover little-known ways to turn your back on Wall Street and grow and protect your hard-earned dollars. And learn how to fire banks and credit card companies and become your own source of financing. Between the covers of this book, the nation's best and brightest financial advisors show you how to stop worrying about the next market crash and achieve the financial security and peace of mind you deserve. Read The Secret to Lifetime Financial Security and learn how to grow your money safely and predictably every year-and without risking it in stocks, real estate and other volatile investments.




Money and Retirement


Book Description




Worry-free Investing


Book Description

The authors teach readers about the new rules of investing, which include investing with inflation-protected bonds, reaching retirement goals, and investing safely for college.




Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life


Book Description

Leaving full-time employment to enter retirement often requires a 180-degree change––in mindset and behavior––from the way you managed your time and money previously. This is especially true for Baby Boomers who may have never experienced adult life without a full-time job and have been practicing the same habits since their 20s. These life transitions can be looked at as if they require “flipping a switch.” Some changes happen suddenly like an on/off switch, while others happen over time like a “dimmer switch”. Some “switches” are voluntary like spending accumulated savings, while some are mandatory like taking required minimum distributions starting at age 72. And to make matters more confusing, there are also lifestyle and social changes to consider as well. Flipping a Switch discusses 35 financial, lifestyle, and social transitions you’ll encounter upon entering retirement, including: • Full-time work to new pastimes • Saving money to spending money • Receiving a paycheck to creating a “paycheck” • Funding retirement savings plans to taking required minimum distribution withdrawals • Accumulating possessions to downsizing Everyone has unique “switches” to flip. Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life offers important information and guidance new retirees need before undertaking their new life. Each chapter includes a “How to Flip This Switch” section with suggested action steps. Nationally known speaker, author, and Certified Financial Planner® Dr. Barbara O’Neill will help you develop a plan to become your best future self.




The Quality Life Plan


Book Description

We live in a time when more and more people need credit just to make ends meet and living on the edge has become the norm. Millions feel the squeeze of more money going out than coming in and seriously want a way off the hamster wheel. Given skyrocketing costs of living, mounting debt, dwindling disposable income, outsourcing and downsizing of jobs, all-time high foreclosures, personal bankruptcies, fewer healthcare benefits and pensions, it now takes something more than it did in times past to achieve financial well-being. That something more is The Quality Life PlanT; a refreshing and overdue alternative to conventional financial wisdom. It aims to restore true wealth to middle-class Americans with uncomplicated, personal finance strategies based on the whole story about money. When the root cause of financial problems is exposed, genuine solutions have the power to reduce and reverse them. Finally, there is a way out Susan Boskey In 1979, upon meeting her most significant mentor, R. Buckminster Fuller, Susan grew to share his perspective that "life is either a daring adventure or nothing at all." As co-producer for the last leg of "Bucky's" final 1983 national speaking tour, "Only Personal Integrity is Going to Count," she gained new insight. In particular, Bucky's teachings on systems thinking inspired her to an independent study of the monetary system. Her goal was to learn why, while money greatly benefited a few, it seemed a headache for most everyone else The Quality Life Plan, a timely and refreshing approach to personal finance, is the result of Susan's 25 years of research.




Your Money Ratios


Book Description

A troubled economy calls for answers. Forget complicated, abstract philosophy—people need sound financial advice that's easy to follow and can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios in order to get an instant picture of their savings status and overall financial health, as well as a roadmap for the important choices they must make in the future. Here’s what you will find in this book: IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals. IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement. IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.




Smart Women Finish Rich, Expanded and Updated


Book Description

THE MILLION-COPY NEW YORK TIMES, BUSINESS WEEK, WALL STREET JOURNAL AND USA TODAY BESTSELLER IS BACK - COMPLETELY UPDATED! With over ONE MILLION copies sold - Smart Women Finish Rich is one of the most popular financial books for women ever written. A perennial bestseller for over two decades, now Bach returns with a completely updated, expanded and revised edition, Smart Women Finish Rich, to address the new financial concerns and opportunities for today's women. Whether you are just getting started in your investment life, looking to manage your money yourself, or work closely with a financial advisor, this book is your proven roadmap to the life you want and deserve. With Smart Women Finish Rich, you will feel like you are being coached personally by one of America's favorite and most trusted financial experts. The Smart Women Finish Rich program has helped millions of women for over twenty years gain confidence, clarity and control over their financial well-being--it has been passed from generations to generation -- and it now can help you.







Imagine Financial Security for Life


Book Description

44% OF AMERICANS DON’T KNOW IF THEY ARE ON TRACK FOR RETIREMENT. 62% HAVE NEVER HAD A RETIREMENT PLAN PUT TOGETHER FOR THEM. 84% THINK THAT THEY NEED GUARANTEED LIFETIME INCOME, BUT ONLY 14% OF THEM HAVE GUARANTEED INCOME BESIDES SOCIAL SECURITY OR THE WISCONSIN RETIREMENT SYSTEM.1 With these staggering statistics, and 10,000 Americans turning age 65 every day² and living longer than ever before, it’s no wonder a lot of people are worried about their retirement years. Imagine Financial Security For Life could be your answer. Inside, you may learn ways to make smarter choices with your money, including how to possibly avoid the eight roadblocks to financial security and peace, three ways to help keep your taxes and fees as low as possible, and the eight investment strategies for life. It wasn’t raining when Noah built the ark. In other words, now is the time to plan for the next financial flood and improve your probability of financial security throughout your retirement years. 1TIAA-CREF Lifetime Income Survey Executive Summary 02/03/15k; ²US Census Bureau International Database May 2013