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This book gives you the blueprint for creating sustainable income in retirement, making the most out of the assets you've taken a lifetime to accumulate, and building a strong financial foundation for your lifetime. If you are approaching the end of your working life or recently retired, you are probably anxious about your finances. How can you afford to retire, let alone enjoy your retirement in years to come? How can you ensure you won't outlive your money? Questions about retirement finances are now more urgent and worrisome than ever as the Baby Boomer generation retires in droves and economic conditions remain uncertain. Historically low interest rates, significant changes to the Canada Pension Plan, and rising government debt in the face of skyrocketing demand for medical care - all point to tough times ahead for retirees. Your Retirement Income Blueprint provides the plan you need to build a financially secure retirement, offering proven strategies that show you how to: Combine government and personal sources of income most efficiently Determine which assets to use first and which to defer Preserve government benefits and entitlements that are often needlessly wasted or lost Create results that are more survivor- and estate-friendly than traditional approaches Greatly reduce taxes on retirement income and your estate Live the lifestyle you want in retirement, and enjoy peace of mind knowing that your money will last as long as you do.
As more and more Canadian boomers are approaching retirement, the transition from accumulating assets in their working years to creating a reliable stream of income in retirement is becoming a top-priority issue for a huge segment of the population. Your Retirement Income Blueprint is an antidote for Canadians who are generally ineptly advised, under-serviced, and over-charged by advisors on planning retirement income. Based on the author's specialized experience in retirement income planning, this book will help readers to work through the many stages of their retirement and adapt their income plans to account for constantly changing health and family issues. The book will help you to: Combine government and personal sources of income most efficiently Determine which assets to use first and which to defer Preserve government benefits and entitlements that are in many cases needlessly wasted or lost Create results that are more survivor- and estate-friendly than traditional approaches Greatly reduce taxes on retirement income and to the aggregate estate. Your Retirement Income Blueprint lays out a six-step process for "taking apart" accumulated assets, making the most out of what you have taken a lifetime to save, and creating an income that lasts as long as you do.
Canada’s most trusted resource on retirement income, updated for tumultuous times As the global economy faces uncertainty in the face of high inflation — at levels seen only twice before in this century — and the specter of recession looms, individuals in retirement or near to it are understandably anxious about living well long-term. Canadians need the tools to make better-informed choices to turn their retirement savings into retirement income for life. This revised and updated edition: • Explains how higher interest rates and higher inflation present both new opportunities and challenges to retirees • Illustrates how the expansion of the CPP (which started in 2019) will affect upcoming retirees • Examines the impact of inflation on the deferral of CPP and OAS pensions • Explores whether level-income annuities are still relevant and asks whether there are better products on the market • Provides a revamped retirement calculator Actuary Frederick Vettese demystifies a complex and often frightening subject and provides practical, actionable advice. With over one thousand Canadians turning 65 every day, the cultivation of good decumulation practices — the way in which you draw down assets in retirement— has become an urgent matter that no one can afford to ignore.
Dive into the essential guide for navigating the complexities of retirement in the modern financial landscape with "The Retirement Blueprint: A Step-by-Step Guide to Building Your Ideal Retirement ." Authored by the seasoned financial strategist Sameer Dhawan and published by Nextgen Web LLC, this book emerges as a beacon for those seeking a secure, fulfilling retirement. In an era where financial stability in retirement seems increasingly elusive, Sameer Dhawan demystifies the latest in retirement planning, including the pivotal changes introduced by the SECURE Act 2.0. With over two decades of experience, Sameer Dhawan combines real-world case studies, personal anecdotes, and strategic insights to offer readers a roadmap to not just navigate but thrive in their retirement planning. Whether you're a financial professional looking to deepen your expertise or an individual aspiring to secure your financial future, Sameer Dhawan's guidance is both accessible and enlightening. From maximizing retirement accounts and investment strategies to understanding the nuances of healthcare and tax planning in retirement, this book covers it all. Beyond mere financial advice, "The Retirement Blueprint: A Step-by Step Guide to Building Your Ideal Retirement " encourages readers to envision and work towards a retirement that aligns with their deepest aspirations and values. It's not just about financial security but about crafting a retirement journey that is as rewarding as it is financially sound. Prepare to transform your approach to retirement planning. Equip yourself with the knowledge, strategies, and insights needed to navigate the changes and challenges of the modern retirement landscape. Your journey towards a future-proofed retirement begins here.
In the 2004?5 Budget, the federal government announced the biggest overhaul in retirement funding for the last decade. This third edition of the hugely popular Retirement Income Streams takes into account all the government? announcements so you can better use your hard-earned savings to create the most effective and profitable income stream for your retirement. Superannuation experts Barbara Smith and Ed Koken explain all the rules and strategies to minimise your tax burden. They can also help you plan so that your money does not run out prematurely.This new edition takes in all the modifications for 2004 that affect allocated pensions and annuities, including those relating to:* market-linked pensions* the preservation of termination payments* age pension eligibility* tax rules.
What's more important to you: a) Saving money for retirementb) Designing a sustainable retirement income plan that lasts your whole lifeIf you chose B, then this is the book for you!No retirement savings plan is complete without a blueprint for income distribution that replaces your working paychecks. In The Path to a Stress-Free Retirement, you'll learn how to transform your mindset from one that's focused on accumulating savings to one that sees distribution planning as an even higher priority. You'll learn how you can create an income planning blueprint that results in a stress-free retirement income plan, and you'll discover how to leave behind a meaningful legacy without affecting your postretirement spending.No matter what stage of retirement planning you're in, this book contains tips and solutions that are ideal for creating a comfortable, customized income plan
This book covers in-depth what you need to do and not do to live your retirement years on your own terms and have the stress-free retirement you desire. The hard part is putting into action all of the mission-critical aspects of a retirement plan that this book covers. That's where we come in. We help people just like you design and implement a comprehensive financial plan that helps you reach your retirement goals so you never have to worry about whether you or your spouse will run out of money.