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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 : Bankroll Your Future: Retirement with Help from Uncle Sam: How Government Perks and Policies Can Help You Preserve Your Income, Your Healthc
Author : Ellen Hoffman
Rating : 5 Stars out of 5.
Summary : Great book! Easy to understand, no-nonsense financial tips.

I enjoyed this book a great deal. Finally, an easy-to-follow guideline for those of us who might be overwhelmed by our future financial affairs. I bought copies for several friends.

Title : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire: 6-copy Counter Display Pack
Author : Suze Orman
Rating : 5 Stars out of 5.
Summary : Very specific, useful info for BIG retirement decisions.

Orman provides very specific information and advice that you will not find unless you shell out big bucks to a financial advisor. For example, Orman tells you how to take money from your IRA before age 59 1/2 with NO PENALTY (substantially equal periodic payments), but adds VERY IMPORTANT advice on how to structure the portfolio to protect the nest egg. Another example of very specific, useful info includes the chapter on long-term care which gives instuctions on how to determine if you need LTC insurance, how much to buy, when to buy, what kind of company to buy from, etc.

The entire book is filled with this kind of specific info - a "must read" for the "do-it-your-self" personal financial manager.

Title : The Complete Guide to a Creative Retirement
Author : Robert Kelley
Rating : 5 Stars out of 5.
Summary : Valuable Resource for Your Golden Years

Many friends and family members have told me that they were unprepared for retirement when it came. They struggled mightily with problems that they later found that almost everyone has. So although they had the financial wherewithal to retire, they didn't really know how to spend their time and focus their energies. As a result, they enjoyed the early years of their retirements much less than they had hoped and could have. That's a same because the first few months and years of retirement are likely to be the time when most people will have the most health and financial resources to explore whatever it is that they would like to do.

Mr. Kelley's The Complete Guide to a Creative Retirement is a resource that addresses the issues very well that retired people have told me about. I heartily recommend it to everyone who would like to retire in the next ten years . . . and to those who are recently retired.

The book is organized into two sections. In section one, you are given ideas for thinking about retirement in new and more productive ways. Section two is a resource guide to help those with different orientations (organizers, creative people, socializers, intellectuals, volunteers and caregivers, nature lovers, athletes, and those who would like to keep working past the normal retirement age).

In chapter one, Mr. Kelley compares the frustrations of many retirements that were not planned (such as after being "downsized") with those who had planned creatively for retirement, and found their golden years to be an improvement in their lives.

In chapter two, you will learn the 12 strategies for retirement.

1. Maintain as much of your daily routine as you can.
2. Leave the house at least once a day.
3. Make a daily list of things to do.
4. Plan ahead.
5. Plan your social life.
6. Eat less.
7. Exercise daily.
8. Simplify your life.
9. Pursue your favorite activities.
10. Get better at what you want to do while retired.
11. Join a support group.
12. Lose yourself mentally and emotionally in your activities.

The first section goes on to help you see choices that you may not have considered, explains how to adjust in retirement in your relationships with your spouse and friends, and gives you a planning guide that you can fill out to begin your thinking.

The second section isn't as exhaustive as it might have been, but there are enough ideas to get you started. I'm sure it will stimulate you to come up with even better choices that fit your circumstances best. Don't be afraid to think of yourself as having more than one dimension (you may be an athlete and a socializer).

I also encourage you to share this book with your spouse, family members and friends. They may be able to help you develop better choices after having considered the book.

After you are done, I suggest that you think about how you could help others have a better retirement as well.

Title : Get a Life: You Don't Need a Million to Retire Well (Get a Life: You Don't Need a Million to Retire Well)
Author : Ralph E. Warner
Rating : 4 Stars out of 5.
Summary : One of the best all round books on retirement planning!

As a Certified Financial Planner, I recommend this book to many of my clients who are seriously planning their retirements. Warner has done a great job putting things in the proper perspective with a book that is an "easy read". While adequate money is important to a satisfactory retirement (and helping clients build a satisfactory net worth is how I make my living), I do find, as has Warner, that there are more important things such as health, friends, and a purpose (i.e., reasons to get up in the morning) when it comes to planning out one's retirement. I frequently ask clients what they plan to do when they retire. When they say "go fishing" or "play golf", I then ask them what they plan to do the second week/month/year. And I keep asking the question until they realize that its a serious one. Warner takes it further with discussion and clear examples. In short, a must read for anyone approaching retirement.

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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