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

Overview

Saving for retirement is a difficult task, especially during these challenging economic times. Individuals who participate in their retirement plans are being charged billions in fees annually-and no one is looking out for their best interests-even though the laws say both plan sponsors and employers should be held responsible for acting in their employees' best interests.

The fact is that unless individuals are willing to stand-up and secure their financial future, they're ...

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

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Overview

Saving for retirement is a difficult task, especially during these challenging economic times. Individuals who participate in their retirement plans are being charged billions in fees annually-and no one is looking out for their best interests-even though the laws say both plan sponsors and employers should be held responsible for acting in their employees' best interests.

The fact is that unless individuals are willing to stand-up and secure their financial future, they're likely to face less money in their retirement plan accounts and have to work longer to accumulate the funds they need for retirement.

In Stop the Retirement Rip-off, author David Loeper provides the necessary tools for listeners to take action and make the most of their retirement plans. It offers a road map for employees to understand the fees and costs associated with their plans; document the excesses in a presentation to management; then organize themselves to protest and, if necessary, bring the documentation to the Labor Department in a complaint. Written in a straightforward and accessible style, Stop the Retirement Rip-off provides listeners with sensible strategies for making the most of their retirement funds, and will put them back in control of their financial future.

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Product Details

  • ISBN-13: 9781596593404
  • Publisher: Gildan Audio
  • Publication date: 9/1/2009
  • Format: CD
  • Edition description: Abridged
  • Product dimensions: 5.20 (w) x 5.80 (h) x 0.80 (d)

Meet the Author

David B. Loeper is the CEO of Financeware, Inc. Prior to founding Financeware in 1999, Loeper was Managing Director of Strategic Planning for the retail brokerage division of Wheat First Union and served on the Investment Advisory Committee of the nearly $30 billion Virginia Retirement System. Loeper has been active in several industry associations including the IMCA (Investment Management Consultants Association). He has also been a featured speaker at numerous industry events and often contributes to industry publications as well as appearing on CNBC, Bloomberg TV and Yahoo Financevision.
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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.

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