You′re Retired Now What

<p>Foreword by Robert J. Sanborn xi</p>
<p>Preface xiii</p>
<p>Acknowledgements xvii</p>
<p>Introduction xix</p>
<p>Part One Your Retirement Mind–Set</p>
<p>Chapter One Cost of Living and Other Financial Issues 3</p>
<p>Estimating Your Retirement Cost of Living 4</p>
<p>Stick with a Long–Term Plan 11</p>
<p>Chapter Two Cash Flow and Nonportfolio Sources of Income 13</p>
<p>Consider Total Return 15</p>
<p>When to Take Your Social Security Income 16</p>
<p>Part–Time Work and Other Sources 19</p>
<p>Mortgaging Your Property for Investment Funds 19</p>
<p>Chapter Three Maximizing Cash Flow 24</p>
<p>Be Like an Egg Farmer or a Landlord 25</p>
<p>Your Capital Base: The Primary Source of Income–Making it Last during Retirement 26</p>
<p>Three Stages of Retirement 29</p>
<p>Part Two The Best Investment Strategy for your Retirement</p>
<p>Chapter Four Identifying your Money Personality 39</p>
<p>Lifeboat Drills 43</p>
<p>Rearview Mirror Investing 44</p>
<p>Your Risk Profile 47</p>
<p>Conclusion 59</p>
<p>Chapter Five Investing During Retirement 60</p>
<p>Invest Investing Can Be Hazardous to Your Wealth 64</p>
<p>The Story of Bill and Libby 67</p>
<p>Diversify Your Portfolio for Stability 68</p>
<p>Retirement Investing Case Studies 70</p>
<p>Chapter Six Developing, Implementing, and Maintaining a Sensible Retirement Portfolio Strategy 77</p>
<p>Dividend Yield versus Capital Appreciation 78</p>
<p>Diversity with Funds 83</p>
<p>Determine Your Optimal Portfolio 85</p>
<p>Find Your Risk Tolerance 90</p>
<p>Value funds and GARP Funds 95</p>
<p>Model Portfolios 96</p>
<p>Tax–Free Municipal Bonds versus Stock Funds 102</p>
<p>Conclusion 103</p>
<p>Chapter Seven How to Select and Assemble a Portfolio of the Best No–Load Mutual Funds 105</p>
<p>Diversification and Other Factors 106</p>
<p>Some All–Star Funds 115</p>
<p>The Rebalancing and Portfolio Review and Monitoring Process 124</p>
<p>Lessons from Investment History 127</p>
<p>Common Investment Mistakes to Avoid 129</p>
<p>The Tortoise Wins the Retirement Race 131</p>
<p>Part Three Apportioning and Insuring Your Nest Egg</p>
<p>Chapter Eight Withdrawal Strategies Using IRAS, Pensions, Rollovers, and Social Security 135</p>
<p>Section I – Withdrawal Planning 136</p>
<p>Section II Withdrawals from Qualified Retirement Accounts 144</p>
<p>Section III Social Security Distributions 157</p>
<p>Chapter Nine Insuring Your Investment Portfolio 164</p>
<p>Health Insurance 165</p>
<p>New Medical Savings Account 166</p>
<p>Medicare, Medicaid, and Medigap Coverage 167</p>
<p>Long–Term care Insurance 172</p>
<p>Life Insurance 176</p>
<p>Viatical Settlements of Life Insurance Policies 191</p>
<p>Personal Umbrella Liability Insurance 192</p>
<p>Protection Beyond Insurance 193</p>
<p>Part Four Protecting Your Family s Financial Well–Being</p>
<p>Chapter Ten Estate Planning 199</p>
<p>Selecting an Attorney 203</p>
<p>Noncitizen Issues 206</p>
<p>The Do–It–Yourselfer 208</p>
<p>Bequests 213</p>
<p>Probate 214</p>
<p>The Bypass (Credit Shelter) Trust 215</p>
<p>The Trustee 219</p>
<p>Life Insurance Trusts 223</p>
<p>Partnerships and Business Interests 224</p>
<p>Deathbed Planning 229</p>
<p>Chapter Eleven Foul–Ups and Fraud: The Laws that Protect The Public 235</p>
<p>Foul–Ups 236</p>
<p>Fraud 239</p>
<p>Government Regulation 243</p>
<p>Chapter Twelve Investment Advisors 253</p>
<p>Conclusion 258</p>
<p>Index 261</p>