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It would be great if we could all retire with a nice portfolio of savings and pension income, without having to worry about paying the bills most retired people pay.

Yet...many retirees are living out their retirement on the breadline without much hope for even going on holiday without being assisted by relatives or even handouts. Don't let yourself be one of them...it's never too late!

Title : Retire Sooner, Retire Richer
Author : Frank Netti
Rating : 5 Stars out of 5.
Summary : Essential Advice for an American Who Wants to Retire Early

If you make a mistake with your retirement planning, chances are you will have to live with that mistake for the remainder of your life . . . and wish you had been more careful. Retire Sooner, Retire Richer will help you avoid the bulk of the mistakes that trip up the majority of people. The book is written in a common sense way that can be understood by almost anyone.

A portion of the author's income from the book will go towards low-income workers and their families affected by September 11, 2001, and to charities serving the hungry and homeless, such as Greater New York Labor-Religion Coalition, Second Harvest (USA), Catholic Relief Services (outside the U.S.), and Habitat for Humanity International.

When I first learned about Retire Sooner, Retire Richer, I was skeptical that it could add anything to my knowledge of investments, tax law, estate planning and how to get practical advice. As a result of reading the book, I was pleasantly surprised to learn a great deal of valuable information that I did not know before. After having assessed that information, it made me realize that anyone who works for a company, wants to retire early and desires to leave an estate behind needs a great deal of help. I strongly encourage anyone who is within 10 years of retirement to read this book!

The book opens with one of the best explanations I have ever seen about why volatility in financial instruments means that you have to be very conservative in planning your retirement investments and even more conservative in withdrawing from your retirement savings. Otherwise, you don't save enough and a down market can cause you to wipe out your savings at a time when stock prices are low. This really hit home after seeing the stock market drop for three straight years until 2003. The suggested guidelines in both areas made a lot of sense to me.

Next, Mr. Netti described many ways that you can choose to reduce the current and future taxes to be paid on your income and savings. Most of these choices are only available to you well before you retire. So if you wait until the day before retirement, you will lose many valuable tax reductions. In addition, if you die before your planned retirement date, failure to use these choices will cost your heirs quite a lot!

From reading the text, I began to appreciate that the tax laws governing pension payouts and IRAs have gotten to be very complex. Only someone who follows these details on a daily basis and works with them all of the time can hope to appreciate and take advantage of all the nuances if you want to retire early. From this, I began to see (for the first time) why the advice from a well-schooled financial advisor can pay a vast multiple of the cost of such an advisor. Mr. Netti certainly seems to be such an advisor.

He goes on to give you a process to locate the right financial advisor for you. The process seems like a good one, although I have never personally looked for a financial advisor. Reading Retire Sooner, Retire Richer will also prepare you to get more benefit from working with an advisor.

If you are totally averse to ever working with a financial advisor, this book may change your mind. Reading the book struck me as being a lot like what you might discuss with a financial advisor. I was grateful for the chance to have this dry run on the experience.

Here's the outline of the book:

Part One: Understanding Your Retirement Investments

Chapter 1: The Numbers Game and Retirement Timing
Chapter 2: Factors to Consider When Transitioning to Retirement
Chapter 3: Why Some Retirement Plans Fail and Others Succeed
Chapter 4: How to Improve Your Money-Management Decisions

Part Two: Building the Wealth You Need

Chapter 5: Portfolio Lessons for a Lifetime
Chapter 6: Why You Need to Act Now to Live Happily in Retirement
Chapter 7: How to Make the Best Use of Your Retirement Distribution Options
Chapter 8: How You Can Provide Added Income for You and Your Heirs
Chapter 9: How to Use a Rollover IRA to Leave More to Your Heirs

Part Three: Managing Your Nest Egg

Chapter 10: The Advisor Advantage
Chapter 11: Creating a Financial Planning Review
Chapter 12: The Importance of a Personal Investment Policy
Chapter 13: How to Pay for Financial Management Advice

As I finished the book, I found myself thinking about where else in my life I might benefit from skilled advice . . . and have not been seeking it.

Title : Roth to Riches: The Ordinary to Roth Ira Handbook
Author : John D. Bledsoe
Rating : 5 Stars out of 5.
Summary : Informative and Easy to Understand!!!

Roth to Riches is a must read for anyone who has ever considered or currently owns an IRA. Written in plain, understandable English (my native tongue), Mr. Bledsoe demonstrates the advantages and disadvantages of both the ordinary and the Roth IRA's. In this book, unlike other books that are also written in my native tongue but which make me wonder if English is in fact my native tongue, Mr. Bledsoe displays a unique ability to explain technical tax and financial planning concepts with candor and clarity. This book is interesting, informative and easy to understand. A bargain at this price. Thanks for the insights.

Title : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 4 Stars out of 5.
Summary : Must read for anyone concerned with his/her estate.

Superbly written. Easy to read. Explains, in simple terms, trusts, investments, estate taxes, and things you MUST know as long before you approach retirment. Lays out some things you can't afford not to do. Best $10-$15 you ever spent. Could return payment in thousands.

Title : Get a Life: You Don't Need a Million to Retire Well
Author : Ralph Warner
Rating : 5 Stars out of 5.
Summary : Excellent Contrarian Viewpoint

This book should be required reading for anyone who thinks about retirement, from those just starting out in their 20's and 30's to those nearing retirement. The book is a refreshing, contrarian view to the conventional wisdom of "save tons of money for retirement", "you'll need 70-100% of your current income in retirement", etc., etc., etc. The traditional retirement literature is focused almost exclusively on money, with which Warner takes exception.

Warner's focus is on the whole person - he makes a very compelling argument that money is a FACTOR in a good retirement, but that it is also important to cultivate health, outside interests, friendships and family. He believes these latter factors have a FAR greater influence on a successful retirement than money. He bases this viewpoint on research among those enjoying active, successful retirements.

Warner is not a Pollyanna, saying not to even think about retirement savings (as some critics seem to suggest). The book contains some common sense ideas on savings and admits that having SOME money may help. Warner's point, however, is that money alone isn't going to make you have a successful retirement if you neglected your family, friends, outside interests, spirituality and health in order to get the money.

I highly recommend this book to anyone who ever thinks about retirement. You may not agree with the proposition, but the book will really help expand your view of the elements of a good retirement and may help you plan a more enjoyable life.

Title : If You're Clueless About Retirement and Want to Know More
Author : F.X. Nine
Rating : 4 Stars out of 5.
Summary : Great for the beginer

A book geared toward younger adults thinking about beginning a retirement plan. Understandable information to help someone get started saving for their future.

Title : Investing from Scratch: A Handbook for the Young Investor
Author : James Lowell
Rating : 2 Stars out of 5.
Summary : A well written book for beginners.

The author writes very well, but all too often the advice is a little thin. I liked his approach to handling money but for real practical advice I found another book more useful: "How To Invest $50 to $5,000" by Dunnan. However, both make excellent presents for young and/or inexperienced investors and savers.

Title : Bankroll Your Future: How to Get Most from Uncle Sam for Your Retirement Years - Social Security, Medicare and Much More
Author : Ellen Hoffman
Rating : 5 Stars out of 5.
Summary : If you are planning retirement, buy this book.

I am at that age where there's alot fewer years ahead than there are behind. To wit, I am at a time when I must be plotting my financial survival beyond my professional career. Ellen Hoffman's BANKROLL YOUR FUTURE is a terrific compass with which to navigate these choppy and often confusing waters! For those of us fuzzy about the ramifications of government programs like social security and medicare, Hoffman clarifies and updates us in language that is clear and accessible. Likewise, she explores and illucidates issues relating to pensions, tax deferred retirement savings, invests and more. For those of us coming to grips with our financial survival in our retirement, Hoffman's book is a gift. She writes about subjects which would otherwise give me a migraine in a accessible fashion.Fortified with Hoffman's book, I am much further down the road towards planning and understanding my financial future.

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