Stop the Retirement Rip-off: How to Avoid Hidden Fees and Keep More of Your Money


While it may seem too good to be true, you can achieve these retirement goals, if you learn how to put the expenses of your retirement plan-whether it is a 401(k), 457, or 403(b)-in your pocket.
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While it may seem too good to be true, you can achieve these retirement goals, if you learn how to put the expenses of your retirement plan-whether it is a 401(k), 457, or 403(b)-in your pocket.
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Product Details

  • ISBN-13: 9780470448809
  • Publisher: Wiley, John & Sons, Incorporated
  • Publication date: 4/6/2009
  • Edition number: 1
  • Pages: 222
  • Product dimensions: 6.00 (w) x 8.90 (h) x 0.70 (d)

Table of Contents

Preface xi

Acknowledgments xvii

Introduction The Five Steps YOU Can Take 1

Chapter 1 Step One: Understanding the REAL and HIDDEN Expenses You Pay 9

Chapter 2 Deeply Hidden Expenses 23

Chapter 3 The Price to Your Lifestyle of Needless Expenses 33

Chapter 4 Step Two: Complaining without Sounding Like a Complainer 47

Chapter 5 Step Three: Rallying Your Troops-Just One Coworker Can Help 55

Chapter 6 Step Four: What Happens If My Employer Ignores Us? 61

Chapter 7 Step Five: Now That My Retirement Plan Is Fixed, How Can I Make the Most of My Life? 71

Chapter 8 Resources, Investment Selection, Asset Allocation, Tools, and Advice 83

Appendix A Lifestyle Prices of Excessive Retirement Plan Expenses 111

Appendix B Sample 401(k) Participant Statement 177

Appendix C Sample Summary Annual Reports 181

Appendix D Sample Annual Form 5500 Reports 185

About the Author 217

Index 219

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Sort by: Showing 1 Customer Reviews
  • Posted April 1, 2009

    I Also Recommend:

    Updated Version of Stop the 401(k) Rip-off

    This book is an updated version of Stop the 401(k)rip-off that includes other types of retirement plans like 457 and 403b plans. Other than that and some updated portfolio allocation information, it is basically the same. It is an easy read and actually, the author's writing style is very entertaining considering the topic.

    Getting participants informed about excessive fees and conflicts of interest and providing them with easy to execute steps to get their employer to fix their "costly clunker" retirement plan is the only way to help investors make the most out of their retirement plan since the DOL has tabled regulations that would provide participants with full disclosure of fees and conflicts.

    This book makes it easy to inform your employer in a positive, non-confrontational approach to avoid sounding like a complainer.

    With what the author discloses about conflicts of interest and hidden fee skimming about retirement plans, I'm anxious to get his next book, Stop the Investing Rip-off that supposedly will show the inner workings of rip-off artists from Wall Street brokers, financial planners and advisors, newsletters, discount brokers and even the media.
    I might also consider getting his book about retirement plans (The Four Pillars of Retirement Plans) designed for employers, advisors and attorneys as a gift for our benefits manager.

    Was this review helpful? Yes  No   Report this review
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