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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 : The Three Boxes of Life: How to Get Out of Them
Author : Richard Nelson Bolles
Rating : 5 Stars out of 5.
Summary : An expert's primer on building a balanced, satisfying life.

In a time when simplifying one's life, finding satisfaction and mission, and creating meaning are dominant issues for baby boomers and gen-x alike, this text is an unerring guide. Bolles patiently walks you through the process of evaluating and considering the roles of learning, working, and playing in your life. Constructing the optimal balance of those roles - the "three boxes" of the title - is up to you, but his guidance provides a starting place. This is a book I re-read, and re-consider, every two or three years.

Title : IRA's, 401(k)S Other Retirement Plans: Taking Your Money Out (IRA's, 401(k)S Other Retirement Plans: Taking Your Money Out)
Author : Twila Slesnick
Rating : 5 Stars out of 5.
Summary : Thorough coverage for the tax professional. Easy to use.

I do taxes. I have been a "tax professional," working for a reputable CPA firm, for eighteen years.

I imagine that most people think that we always read the most obscure laws, regulations and treatises on tax subjects before we make our decisions and recommendations. The fact is that most professionals are delighted to find publications which make good information easy to find. This book does that.

"How to Take Your Money Out" gives thorough coverage to a very complicated subject. Equally important is that it is almost enjoyable to read and that finding what you are looking for is easy. It is well organized and well indexed. When I looked for answers, I found them, on the first shot.

There are plenty of people, both professionals and taxpayers, who are wondering what to do about IRA and other retirement plan distributions. Having this book on the shelf will give you confidence that you'll know where to look when you need the answers.

Title : Last Minute Retirement Planning: It's Never Too Late to Plan for the Future
Author : Steve Rosenberg
Rating : 5 Stars out of 5.
Summary : Simply the best book I've found yet on the subject.

I bought this book for a client who is retiring shortly. I have to say this is the best book I've found yet on this subject. It gives practical advice in a short, readable format. So many books claim to show you how, then give simply crummy, or at best questionable advice. There are no magic bullets. There are no shortcuts. As a financial planner I have read many so called 'self help' (more like self mutilation usually) books on the subject, and received many good laughs as a result. In a bull market anyone can swim, but when the tide goes out, we'll see who's swimming naked. This book gives you the information you'll need to prepare financially for the rest of your life. It does not tell you all of the answers (would you really want to read one tha claims to?) but it does lead you in the right direction toward finding them. I strongly reccomend this book to anyone planning to retire, be it 3 days or 30 years from now. You could spend much more, for much worse advice. Buy it, and get one for a friend.

Title : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 4 Stars out of 5.
Summary : Beware 2016! -- Good Financial Education for New Investors

Before commenting on the book's message and argument, let me discuss its communications style. There is a great on-going debate about whether the details that Mr. Kiyosaki presents about himself and his "Rich" and his "Poor" (and biological) Dad are literally true. I don't know, and I don't intend to try to find out. For my purposes, I treat the communications style of this book as a fable to help teach a lesson. I do evaluate the accuracy of the lesson itself in these comments.

If you've read some of the Rich Dad, Poor Dad books before, the main new information in this book is an explanation of why stock market investing with pension money is a dangerous way to grow your "wealth." In addition to being at risk from con men, thieves, incompetents, brokerage houses and market volatility, you face the ticking time bomb of a growing number of U. S. investors being legally required to liquidate their holdings beginning at age 70 1/2. As the Baby Boom generation turns 70 1/2 beginning in 2016, the selling moves from being a trickle into being a torrent that overwhelms new funds into the market at some point . . . followed by an inevitable collapse in stock values. If you want a more detailed, confirming discussion of this issue, the book, What If Boomers Can't Retire?, is a good choice. Harry S. Dent, Jr.'s demographic books also look at this issue.

If you already believe in the messages of the earlier books, you could skip this one . . . especially if you have already decided to avoid or minimize stock-market investments.

If you have read none of the Rich Dad, Poor Dad series, I suggest that you start with Rich Dad, Poor Dad before tackling this one. You'll understand this book better if you do.

The other problem with traditional defined contribution pension investing (usually by 401-k plans), of course, is that a pension fund contribution takes lots of cash out of your pocket (unless the employer matching is very generous -- way more than 2:1) to put some money into the retirement account. So you face the possibility of being much poorer in cash flow while you save for retirement investing and poorer when you cash out of the investment after you pay the taxes on what you take back in what could be smaller values. Imagine if you had had to start withdrawing from your pension fund in 1929. That's one nice illustration that I enjoyed in the book. Possibly, the same could occur after 2016. Who knows?

The second half of the book advises you on how to build a financial ark against hard times by relying on building cash-generating businesses and investments (such as rental properties) after you achieve your financial education (which you didn't learn in school, even if you got a business degree from most schools). You are encouraged to start small and develop various kinds of control over your emotions, advisors and actions. It's all sound advice. My only complaint is that people who are going to start making real estate investments and building cash-generating businesses need a lot more information than is here. I graded the book down one star, accordingly.

The first half of the book could have been shortened up quite a bit, but for those who are unaware of the demographic time bomb's potential effect on their investments, it may help to get the story in small doses.

The surprise for a lot of people in this book is going to be that what they hear every day from best-selling "authorities" about the "right rules" of retirement investing could easily turn out to be wrong for them.

After you absorb and begin to apply these lessons, I suggest that you think about where in your life the conventional wisdom led you down the wrong path. Where else could that be happening to you now?

Title : "Which?" Guide to Pensions: How to Maximise Your Retirement Income ("Which?" Consumer Guides)
Author : Jonquil Lowe
Rating : 4 Stars out of 5.
Summary : A good, all-round, general introduction.

You can't normally go wrong with a Which? guide and this one is no exception. I have recently set up my own business and needed to learn all about company pension schemes and legislation.

This guide was an excellent starting point, covering all the major options available to me and clearing up a lot of the jargon. It even contains sections on maximising the performance of your pension.

This is the 1999 edition, but still contains reasonably current advice on Stakeholder pension plans. Considering the often tiresome nature of the subject matter, this is all highly informative stuff.

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