Retirement Planning Guide

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The authors offer an overview of selected topics important to retirement planning in the United States. Chapters discuss building up retirement income, setting savings goals, social security benefits, income tax planning, qualified plan and IRA strategies, life insurance and annuities, early retirement, considerations of business owners, medical coverage, housing, divorce and remarriage, estate planning, and other topicsAnnotation c. Book News, Inc.,Portland, OR
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Overview

The authors offer an overview of selected topics important to retirement planning in the United States. Chapters discuss building up retirement income, setting savings goals, social security benefits, income tax planning, qualified plan and IRA strategies, life insurance and annuities, early retirement, considerations of business owners, medical coverage, housing, divorce and remarriage, estate planning, and other topicsAnnotation c. Book News, Inc.,Portland, OR
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Product Details

  • ISBN-13: 9780808007692
  • Publisher: Toolkit Media Group
  • Publication date: 9/1/2002
  • Edition description: Older Edition
  • Edition number: 2
  • Pages: 326

Table of Contents

Part 1 Overview of Retirement Planning 1
Chapter 1 Retirement Planning in Perspective 3
Increased longevity 3
Decreased Company Pensions 4
Concerns Over Social Security 5
Trend Toward Early Retirement 7
Simultaneous Planning for Other Concerns 7
Chapter 2 Stages in Retirement Planning 9
Accumulation Stage 9
The Retirement--Transition Stage 11
The Post-Retirement Stage 11
Ongoing Planning 12
Chapter 3 The Role of the Planner 13
Retirement Planning Team 14
The Role of Software in Retirement Planning 15
Using the Internet 16
Part 2 Building Up Retirement Income 19
Chapter 4 Sources of Retirement Income 21
Social Security Provides the Majority of Income for the Aged 21
Other Sources of Retirement Income 23
Chapter 5 Setting Retirement Savings Goals 25
Age for Retirement 26
Understanding the Impact of Inflation 27
Anticipated Standard of Living 29
How Long Savings Can Be Expected to Last 30
Chapter 6 Meeting Retirement Goals Through Investments 33
Strategies for Meeting Retirement Goals 33
Choosing Investment Vehicles 37
Understanding Asset Allocation 44
Strategies for Turning Non-Productive Assets Into Retirement Income 47
Chapter 7 Meeting Retirement Goals Through Working After Retirement 51
Monetary Benefits of Working After Retirement 52
Cost of Working After Retirement 57
Chapter 8 Social Security Benefits 59
Figuring Retirement Benefits 59
Applying for Benefits 64
Working While Collecting Benefits 66
Taxation of Social Security Benefits 66
Planning Strategies for Social Security Benefits 67
Chapter 9 Income Tax Planning for Retirees 71
Impact of Tax Rates 71
Roundup of Special Tax Rules for Retirees 74
Estimated Taxes 75
Part 3 Qualified Plan and IRA Strategies 81
Chapter 10 Setting Up and Contributing To Qualified Plans 83
Types of Qualified Plans 83
Plan Requirements 90
Contribution and Benefit Limits 96
Chapter 11 Setting Up IRAs 105
Rules Common to All IRAs 106
Deductible IRAs 107
Nondeductible IRAs 110
Roth IRAs 112
Choosing Between Different Types of IRAs 115
Credit for Retirement Plan Contributions 116
Chapter 12 Investment Strategies for Retirement Plans 119
Funding Requirements 119
Investment Limitations 120
IRAs 123
Ethical Considerations 125
Chapter 13 Distribution Strategies--Part 1 127
Early Distributions 127
Required Distributions 131
Taxation of Distributions from Qualified Plans 135
Taxation of Distributions from IRAs 143
State Income Taxes 147
Chapter 14 Distribution Strategies--Part 2 149
Maximizing Retirement Income from Qualified Plans 150
Minimum Distribution Planning 150
Designating Beneficiaries 154
Postponing Tax on Distributions 161
Chapter 15 Asset Protection and Other Retirement Plan Considerations 167
Asset Protection 167
Retirement Benefits and Divorce 169
Finding Lost Pensions 170
Problems with Retirement Plans 171
Avoiding Common Errors with Retirement Plans 171
Part 4 Life Insurance and Annuities in Retirement Planning 175
Chapter 16 Life Insurance and Retirement Planning 177
Life insurance "audits" to assess coverage 180
Chapter 17 Selected Topics for Life Insurance 185
Variable Life Insurance 185
Split-Dollar Insurance 186
Second-to-Die Insurance 187
Chapter 18 Annuities and Retirement Planning 189
Types of Commercial Annuities 189
Advantages and Disadvantages of Commercial Annuities 192
Private Annuities 194
Part 5 Early Retirement 195
Chapter 19 Assessing Early Retirement Packages 197
What Does the Early Retirement Package Include? 197
Other Intangibles 200
Waiver of legal claims 201
Chapter 20 Other Factors to Consider for Early Retirement 203
Figuring the Differential Between Working and Taking Early Retirement 203
Other Factors to Consider for Early Retirement 206
Chapter 21 Planning Strategies for Early Retirement 209
Planning Strategies After Accepting Early Retirement 209
Working After Early Retirement 211
Part 6 Special Considerations for Business Owners 213
Chapter 22 Opportunities for Saving for Retirement 215
Qualified Retirement Plans from the Business Owner's Perspective 215
Nonqualified Retirement Plans 218
Other Strategies 218
Chapter 23 Sale of a Business Upon Retirement 221
Selling a Business Before Retirement--General Considerations 221
Buy-Sell Agreements 222
Sale of a Business to an ESOP 224
Chapter 24 Succession Planning 227
Closely Held Corporations 227
Family Limited Partnerships 229
Selling to Family Members 232
Chapter 25 Estate Planning for a Business 237
Special Use Valuation for Farms and Closely Held Business Realty 238
Estate Tax Deduction for Family-Owned Businesses 238
Part 7 Special Situations 243
Chapter 26 Divorce and Its Impact on Retirement Planning 245
Impact on Personal Savings and Investments 245
Impact on Qualified Plans and IRAs 246
Impact on Social Security Benefits 247
Impact on Medical Coverage 248
Impact on Insurance Coverage 248
Chapter 27 Remarriage and Its Impact on Retirement Planning 251
Using Prenuptial Agreements 251
Pension and Social Security Benefits 251
Part 8 Strategies for Growing Old 253
Chapter 28 Where to Retire 255
Considerations for Changing State of Residence in Retirement 255
Retiring Abroad 259
Chapter 29 Housing for Retirement 261
Tax Rules on Sale of a Residence 261
Staying at Home 265
Residential Alternatives for Old Age 265
Chapter 30 Post-Retirement Investment Strategies 269
Strategies for Improving Post-Retirement Income 269
Using Home Mortgages 272
Chapter 31 Lifetime Asset Management Techniques 275
Joint Ownership 275
Powers of Attorney 276
Trusts 278
Court-Supervised Arrangements 279
Chapter 32 Medical Coverage for Old Age 281
Medicare 281
Medigap Insurance 284
Chapter 33 Long-Term Care and Catastrophic Illness 287
Advance Medical Directives 287
Financial Aspects of Long-Term Care 288
Planning for the Cost of Catastrophic Illness 289
Chapter 34 Estate Planning--Selected Topics 297
Estate Planning Basics to Take Care of in Retirement 297
Selected Estate Planning Issues 299
Glossary 301
Appendix 307
Index 313
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