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Author: Steven Paul Publisher: ISBN: Category : Languages : en Pages : 99
Book Description
Are you an retiring from a large company offering a lump sum pension buyout? This easy to read guide will help you in your decision of taking the lump sum pension versus the lifetime pension payments. Beyond that, there are other major decisions you face in retirement that this book will introduce you to, in an easy to understand way. As you approach retirement, you may find the financial planning aspect to be much more daunting than you ever anticipated. All of a sudden, you're forced to answer questions you haven't really thought about, and to be quite honest, might not be fully educated on. Questions like: - Do I take the lifetime pension or the lump sum? If I take the lump sum, how should it be invested to meet my goals? How do I invest my 401(k) when I retire? When do I take my social security? How do I find a financial advisor to help with all of this? These are not your typical everyday decisions. These are decisions that you need to take your time with and make sure you fully understand your options. This book is written in terms that a newcomer to finance can understand by taking a complicated topic and making it accessible to everyone, while not diluting the message. Richard W. Paul & Associates, LLC has no affiliation with any company offering a pension. This book is for educational purposes only and not intended as investment advice. Please consult a financial professional, tax professional, and/or an estate planning professional to receive personalized advice on your retirement needs.
Author: Steven Paul Publisher: ISBN: Category : Languages : en Pages : 99
Book Description
Are you an retiring from a large company offering a lump sum pension buyout? This easy to read guide will help you in your decision of taking the lump sum pension versus the lifetime pension payments. Beyond that, there are other major decisions you face in retirement that this book will introduce you to, in an easy to understand way. As you approach retirement, you may find the financial planning aspect to be much more daunting than you ever anticipated. All of a sudden, you're forced to answer questions you haven't really thought about, and to be quite honest, might not be fully educated on. Questions like: - Do I take the lifetime pension or the lump sum? If I take the lump sum, how should it be invested to meet my goals? How do I invest my 401(k) when I retire? When do I take my social security? How do I find a financial advisor to help with all of this? These are not your typical everyday decisions. These are decisions that you need to take your time with and make sure you fully understand your options. This book is written in terms that a newcomer to finance can understand by taking a complicated topic and making it accessible to everyone, while not diluting the message. Richard W. Paul & Associates, LLC has no affiliation with any company offering a pension. This book is for educational purposes only and not intended as investment advice. Please consult a financial professional, tax professional, and/or an estate planning professional to receive personalized advice on your retirement needs.
Author: Joel Johnson Publisher: ISBN: 9781544724515 Category : Languages : en Pages : 92
Book Description
So..your company is offering to pay a lump sum if you give up your rights to a monthly lifetime payout of your pension. This is one of the most important decisions you will make in your life and the consequences of your choice can affect you, your children and grandchildren's financial future. This is your guide to that decision. Inside learn the questions most people want answered before they decide.
Author: Steven Paul Publisher: ISBN: 9781088885635 Category : Lump sum distributions (Pensions) Languages : en Pages : 94
Book Description
Are you an autoworker with a lump sum pension buyout decision from Ford, General Motors, or Fiat Chrysler? This easy to read guide will help you in your decision of taking the lump sum pension versus the lifetime payments. Beyond that, there are other major decisions you face in retirement that this book will introduce you to, in an easy to understand way. As you approach retirement, you may find the financial planning aspect to be much more daunting than you ever anticipated. All of a sudden, you're forced to answer questions you haven't really thought about, and to be quite honest, might not be fully educated on. Questions like: - Do I take the lifetime pension or the lump sum? If I take the lump sum, how should it be invested to meet my goals? How do I invest my 401(k) when I retire? When do I take my social security? How do I find a financial advisor to help with all of this? These are not your typical everyday decisions. These are decisions that you need to take your time with and make sure you fully understand your options. This book is written in terms that a newcomer to finance can understand by taking a complicated topic and making it accessible to everyone, while not diluting the message.Richard W. Paul & Associates, LLC has no affiliation with Ford Motor Company, General Motors, or Fiat Chrysler Automobiles.This book is for educational purposes only and not intended as investment advice. Please consult a financial professional, tax professional, and/or an estate planning professional to receive personalized advice on your retirement needs.
Author: Grumpus Maximus Publisher: ISBN: 9780960058990 Category : Business & Economics Languages : en Pages : 220
Book Description
"I don't love this job anymore, but should I stay for the pension?" This gut-wrenching question is common for many people working in pensionable careers. But how much is your pension worth? And, is staying worth it? Since 2017, Grumpus Maximus has researched and written about this critical decision point, which he calls The Golden Albatross. Having served 20 years in the U.S. Military, he too struggled with the same questions, and now he helps others learn from his mistakes. If your job offers a pension, then this book is a must-read. Easily learn how to calculate your pension's objective value and weigh it against the subjective benefits of leaving for more fulfilling work. When done, you will agree, it was worth it.
Author: United States Government Accountability Office Publisher: Createspace Independent Publishing Platform ISBN: 9781977957078 Category : Languages : en Pages : 80
Book Description
Since 2012, a number of large pension plan sponsors have given selected participants a limited-time option of receiving their retirement benefits in the form of a lump sum. Although sponsors' decisions to make certain lump sum "window" offers may be permissible by law, questions have been raised about participants' understanding of the financial tradeoffs associated with their choice. GAO was asked to review critical issues associated with these types of offers. This report focuses on 1) the prevalence of lump sum offers and sponsors' incentives to use them, 2) the implications for participants, and 3) the extent to which selected lump sum materials provided to participants include key information. To conduct this work, GAO identified sponsors offering lump sum windows and used social media to identify participants given offers. GAO reviewed 11 informational packets acquired through interviews with selected plan sponsors and participants. GAO also analyzed lump sum calculations and interviewed federal officials and pension experts.
Author: James G. Hughes Publisher: Nova Science Publishers ISBN: 9781634832632 Category : Lump sum distributions (Pensions) Languages : en Pages : 0
Book Description
Little public data are available to assess the extent to which sponsors of defined benefit plans are offering participants immediate lump sums to replace their lifetime annuities, but certain laws and regulations provide incentives for use of this practice. Although the U.S. Department of Labor (DOL) has primary responsibility for overseeing pension sponsors' reporting requirements, it does not require sponsors to report such lump sum offers, making oversight difficult. Pension experts generally agree that there has been a recent increase in these types of offers. Since 2012, a number of large pension plan sponsors have given selected participants a limited-time option of receiving their retirement benefits in the form of a lump sum. Although sponsors' decisions to make certain lump sum "window" offers may be permissible by law, questions have been raised about participants' understanding of the financial tradeoffs associated with their choice. This book focuses on the prevalence of lump sum offers and sponsors' incentives to use them; the implications for participants; and the extent to which selected lump sum materials provided to participants include key information.
Author: Wes Moss Publisher: McGraw Hill Professional ISBN: 1264269277 Category : Business & Economics Languages : en Pages : 284
Book Description
The bestselling author of You Can Retire Sooner Than You Think and host of Money Matters reveals the 10 essential habits for a rich, rewarding, and blissful retirement. What does it take to have a truly happy retirement? Is it money? A mortgage-free home? An active social life? A long-lasting marriage—or maybe a new one? Finance expert, author, and radio host Wes Moss asked more than 2,000 of the nation’s happiest retirees to find out—and their answers may surprise you. Through a series of revealing surveys, Moss noticed a pattern of distinct, recognizable habits that the happiest retirees shared, from the simplest of lifestyle choices to the smartest of financial strategies. These are the kinds of habits anyone can develop—the perfect road map to a healthy, secure, and joyful retirement—sooner. Whether you’re already retired or just starting to make plans, these 10 simple actions and attitudes can make a profound difference in every aspect of your life. The book is packed with hard-won wisdom and invaluable advice on how to make little changes now that will have the biggest impact later. It’s filled with proven ways to develop smarter habits with: Money (“Think river, not reservoir”); Family (“Get your kids off your payroll”); Housing (“Live mortgage-free”); Investing (“Be a tomorrow investor”); Spending (“Be pound wise—so you can be penny foolish”); and much more. With these 10 transformational habits, you can stop obsessing over money, stay socially connected, and start enjoying your new life—as the happiest retiree on the block.
Author: Steve Weisman Publisher: FT Press ISBN: 0132701162 Category : Business & Economics Languages : en Pages : 209
Book Description
Annuities have become one of the most popular ways to save for retirement and also one of the most misunderstood, overhyped, and dangerous investment vehicles available today. Some annuities are worth the money... but too many are flawed, overpriced, and packed with hidden fees that make them absolutely horrible investments. In The Truth About Buying Annuities, consumer finance expert Steven Weisman helps you make smart decisions about annuities and avoid the lies, misrepresentations, and ripoffs that await uninformed investors. From start to finish, Weisman delivers quick, bite-size, just-the-facts information and plain-English explanations you can actually use. You'll learn all you need to know about immediate, deferred, and variable annuities; actively-managed vs. indexed annuities; inflation-protected and tax-sheltered annuities; and more. Weisman explains the impact of annuities on taxes, Medicare, Medicaid, long-term care, and your other retirement plans. He presents crucial, hard-to-find information about death benefits, joint and survivor annuities, alternatives to annuities, assessing annuity risk, avoiding scams, and even how to escape from a bad annuity you've already purchased. Unlike some books on annuities, this one's simple to read, simple to use, up-to-date, and complete: it's the only annuity guide you need!
Author: Steven Paul
Author: Steven Paul
Author: G. Lawrence Atkins
Author: Joel Johnson
Author: Steven Paul
Author: Grumpus Maximus
Author: United States Government Accountability Office
Author: Shamlall Gupta
Author: James G. Hughes
Author: Wes Moss
Author: Steve Weisman