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Retirement --- Planning. --- Retirement planning
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Do your clients have any idea of what they can/should spend in retirement? Do they know what they need to do to optimize their retirement spending? How can you protect a spouse from the drop in social security if a client dies early? Why is it likely that buying insurance or buying a fixed annuity can dramatically increase the level of your client’s spending—even if your customer is already retired? What if you could show your client exactly what the impact would be and at what level they would need to buy to achieve a certain level of spending? How can buying a fixed annuity be a hedge against term life expiration and what level is required? When should your client start taking social security? What can your client spend now and how much can that improve if they purchase insurance or an annuity from you? All these questions and more are answered in this book and in the free software that accompanies this book. The software, though more complex than most end users would care to learn, offers you the opportunity to load in customer financial data and give them results that will calculate various options. The amazing and counter-intuitive part is that it is highly likely that most individuals can see their monthly spending capability go up dramatically by buying insurance and/or buying a fixed annuity and the software enables you to zero in on the desired level. Even though life insurance is an old, established financial product, and annuities are even older, there is one enormous market that has been overlooked: the market for additional retirement funds for a surviving spouse and replacement of Social Security payments that are lost after the death of a spouse. This book explains how to address this market, and includes instructions and a license for software that illustrates how insurance and annuities can increase sustainable spending in retirement. Most people have no idea how much they can really spend in retirement. Many are living frugal lives spending their social security while "saving for a rainy day". They buy life insurance in batches of tens thousands of dollars because it sounds good or what they think they can afford. Almost no one would believe that buying "expensive" life insurance after age 60 actually can free them to spend MUCH more on a monthly basis. Furthermore, no one is looking at an optimum return on the investment based on a certain level of potential spending. Until now. This book, and the accompanying software enable you, the life agent, to input the customer data and come up with a plan for your customer and provide proof that the plan will work for them. The book explains what goes into making these calculations, why they work the way they do and gives various case studies that quite often show that buying term insurance or buying an annuity after retirement can be great investments for them. We think your customers will be convinced. There are detailed instructions as to use of the software that accompanies the book with built in case studies that you can use. But even more importantly, you can input a customer’s data and provide them with options and actually show them the benefits or give them the solutions that they would otherwise not know exist. These solutions will be invaluable to your business and offer you a distinct advantage over competition that are not selling in this manner.
Retirement --- Planning. --- Retirement planning --- Annuities. --- Financial planning. --- Insurance. --- Retirement planning. --- Social security.
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Progressive aging of the Baby Boomer generation, early workplace withdrawals and international trends towards longevity place increasing pressure on governments to provide economic solutions. One possibility involves promoting financial self-sufficiency and shifting responsibility from governments back to individuals. This involves, in part, promoting the abolishment of mandatory retirement ages and devising strategies to keep people at work for longer. At an individual level choosing how and when to transition can deliver psychological benefits while continuing to work provides opportunities to remain socially and intellectually connected. There are also obvious economic benefits for disadvantaged groups such as women, immigrants and less qualified workers who may be ill equipped to retire comfortably. When combined these sufficiently motivate the pursuit of solutions that overcome constraints and encourage later life employment. There are, however, two sets of competing demands, namely balancing the desire and economic demand to work longer within current contemporary workplace designs and the cognitive, physical and psychological capacities of workers to fulfill these demands indefinitely. The study of the psychological mechanisms that underlie economic behavior may increase our understanding of how bridge employment opportunities, flexible work schedules, training to move to new careers, and starting new business and franchisees might result in higher proportions of older workers remaining in the labor market. Such an approach is expected to lead to a better understanding of employer attitudes and responses to older workers with innovative workplace and human factors that encourage more years of labor force participation.
Retirement --- Retirement planning --- Older workers --- retirement savings --- age discrimination
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Progressive aging of the Baby Boomer generation, early workplace withdrawals and international trends towards longevity place increasing pressure on governments to provide economic solutions. One possibility involves promoting financial self-sufficiency and shifting responsibility from governments back to individuals. This involves, in part, promoting the abolishment of mandatory retirement ages and devising strategies to keep people at work for longer. At an individual level choosing how and when to transition can deliver psychological benefits while continuing to work provides opportunities to remain socially and intellectually connected. There are also obvious economic benefits for disadvantaged groups such as women, immigrants and less qualified workers who may be ill equipped to retire comfortably. When combined these sufficiently motivate the pursuit of solutions that overcome constraints and encourage later life employment. There are, however, two sets of competing demands, namely balancing the desire and economic demand to work longer within current contemporary workplace designs and the cognitive, physical and psychological capacities of workers to fulfill these demands indefinitely. The study of the psychological mechanisms that underlie economic behavior may increase our understanding of how bridge employment opportunities, flexible work schedules, training to move to new careers, and starting new business and franchisees might result in higher proportions of older workers remaining in the labor market. Such an approach is expected to lead to a better understanding of employer attitudes and responses to older workers with innovative workplace and human factors that encourage more years of labor force participation.
Science: general issues --- Psychology --- Retirement --- Retirement planning --- Older workers --- retirement savings --- age discrimination --- Retirement --- Retirement planning --- Older workers --- retirement savings --- age discrimination
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Retirement income. --- Retirement --- Retirement planning --- Income --- Planning. --- Retirement income --- Planning --- E-books
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Progressive aging of the Baby Boomer generation, early workplace withdrawals and international trends towards longevity place increasing pressure on governments to provide economic solutions. One possibility involves promoting financial self-sufficiency and shifting responsibility from governments back to individuals. This involves, in part, promoting the abolishment of mandatory retirement ages and devising strategies to keep people at work for longer. At an individual level choosing how and when to transition can deliver psychological benefits while continuing to work provides opportunities to remain socially and intellectually connected. There are also obvious economic benefits for disadvantaged groups such as women, immigrants and less qualified workers who may be ill equipped to retire comfortably. When combined these sufficiently motivate the pursuit of solutions that overcome constraints and encourage later life employment. There are, however, two sets of competing demands, namely balancing the desire and economic demand to work longer within current contemporary workplace designs and the cognitive, physical and psychological capacities of workers to fulfill these demands indefinitely. The study of the psychological mechanisms that underlie economic behavior may increase our understanding of how bridge employment opportunities, flexible work schedules, training to move to new careers, and starting new business and franchisees might result in higher proportions of older workers remaining in the labor market. Such an approach is expected to lead to a better understanding of employer attitudes and responses to older workers with innovative workplace and human factors that encourage more years of labor force participation.
Science: general issues --- Psychology --- Retirement --- Retirement planning --- Older workers --- retirement savings --- age discrimination
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"The follow-up to the bestselling The Power of Zero, providing a blueprint to build a guaranteed, tax-free income stream that lasts for the long run"--
Retirement income--Planning.. --- Finance, Personal.. --- Retirement--Planning. --- Retirement income --- Finance, Personal. --- Retirement --- Investments. --- Planning.
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Refire! Don't Retire asks readers the all-important question: As you approach the remainder of your life, what are you going to do to make it joyful and meaningful? Ken Blanchard and Morton Shaevitz point out that too many people see their later years as a time to endure rather than as an exciting opportunity. Both research and common sense confirm that people who embrace these years with gusto-rather than withdrawing or waiting for things to happen-consistently make the rest of their lives the best of their lives.In the trademark Ken Blanchard style, the authors tell the compelling story of L
Retirement -- Planning. --- Retirement -- Psychological aspects. --- Retirement income -- Planning. --- Retirement. --- Retirement --- Psychological aspects
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This book provides the quintessential information needed to understand the financial side of the retirement planning coin. You'll begin by learning about the various plan types employers may offer their employees. Topics related to compliance testing as well as the strategies used to legally shift benefits in favor of highly compensated employees will be thoroughly discussed. However, some employers do not sponsor a plan. In this instance, retirement savers will need to understand the options available within the world of individual retirement accounts. This book is not intended to provide investment advice, but rather to show how different retirement savings vehicles function and how they can be effectively deployed. Many financial professionals find that their clients ask questions about all aspects of their financial life. For this reason, this book also discusses noninvestment-related topics such as housing options, Social Security planning, Medicare planning, and a few other basic insurance-based issues faced by all retirees.
Retirement --- Planning. --- employer-sponsored plans --- medicare --- social security --- retirement plan compliance testing --- retirement planning
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To supplement replacement income provided by Social Security and employersponsored pension plans, individuals need to rely on their own saving and investment choices during accumulation. Once retired, they must also decide at which rate to spend their savings, with the usual dilemma between present and future consumption in mind. This Element explains how financial engineering and risk management techniques can help them in these complex decisions. First, it introduces 'retirement bonds', or retirement bond replicating portfolios, that provide stable and predictable replacement income during the decumulation period. Second, it describes investment strategies that combine the retirement bond with an efficient performanceseeking portfolio so as to reduce uncertainty over the future amount of income while offering upside potential. Finally, strategies using risk insurance techniques are proposed to secure minimum levels of replacement income while giving the possibility of reaching higher levels of income.
Retirement income --- Investments. --- Investing --- Investment management --- Portfolio --- Finance --- Disinvestment --- Loans --- Saving and investment --- Speculation --- Planning. --- Retirement - Planning. --- Retirement income. --- Retirement
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