This book provides the quintessential information needed to understand the financial side of the retirement planning coin. Readers will begin by learning about the various plan types available to the employers to offer to their employees. The topics related to compliance testing are thoroughly discussed as well as strategies used to legally shift benefits in favor of the highly compensated employees. However, some employers do not sponsor a plan. In this instance, retirement savers will need to understand the options available in the world of individual retirement accounts. This book is not intended to provide investment advice, but rather to guide how different retirement savings vehicles function and how they can be effectively deployed. Many financial professionals find that their clients will ask questions about all aspects of their financial life. For this reason, this book also discusses non-investment-related topics, such as housing options, social security planning, Medicare planning, and a few other basic insurance-based issues faced by all retirees.

This book provides the quintessential information needed to understand the financial side of the retirement planning coin. You ll begin by learning about the various plan types employers may offer their employees. Topics related to compliance testing will be thoroughly discussed as well as strategies used to legally shift benefits in favor of highly compensated employees (HCEs). However, some employers do not sponsor a plan; and when this happens, retirement savers will need to understand the options available within the world of individual retirement accounts (IRAs). This book is not intended to provide investment advice, but rather to explore how different retirement savings vehicles function and how they can be effectively deployed. This book also discusses non-investment-related topics such as housing options, Social Security planning, Medicare planning, and a few other basic insurance-based issues faced by all retirees."

A practical yet humorous guide to aging solo gracefully and achieving a happy retirement. In Essential Retirement Planning for Solo Agers, certified retirement coach Sara Zeff Geber coins the term “Solo Ager” to refer to the segment of society that either does not have adult children or is single and believes they will be on their own as they grow older. This book explores the path ahead for this group. That includes choices in housing, relationships, legal arrangements, finances, and more. Geber reviews the role of adult children in an aging parent’s world and suggests ways in which Solo Agers can mitigate the absence of adult children by relationship building and rigorous planning for their future. Geber shares her expertise on what constitutes a fulfilling older life and how Solo Agers can maximize their opportunities for financial security, physical health, meaning and purpose in the second half of life, and, finally, planning for the end game. Through real-life stories and anecdotes, the author explores housing choices, relationships, and building a support system. You will learn about: · different levels of care and independence in various types of living arrangements · how to initiate discussions among friends and relatives about end-of-life treatment · “what if” scenarios · who to talk to about legal and financial decisions And it’s not just the Solo Ager that can learn from this book. Financial advisors, elder law and estate attorneys, senior care managers, and others whose clientele is on the far side of sixty will benefit as well.

ESSENTIALS OF PERSONAL FINANCIAL PLANNING Essentials of Personal Financial Planning was written to challenge the status quo by promoting personal financial planning (PFP) as a profession, not as a sales tool to gather assets under management or facilitate sales of insurance products. The book takes a comprehensive and integrated approach to PFP for accounting students, allowing them to view the profession through the lens of a CPA – with integrity and objectivity. This book systematically introduces the essentials of all the major PFP topics (estate, retirement, investments, insurance, and tax), as well as: The PFP process, concepts and regulatory environment. Professional responsibilities of a CPA personal financial planner and the requirements of the Statement on Standards in PFP Services. Time value of money concepts. The book then builds on these foundational concepts, showing their interconnectivity and professional opportunities, to provide a deeper understanding of PFP and its application. After reading this book, students will be able to apply the knowledge and skills gained from this course to have an immediate and long-term positive impact for themselves and for the clients they serve.

Retirement Adviser covers the following: • Fundamental Concepts about Retirement Planning • Retirement Planning Products • Retirement Planning Process & Strategies • National Pension System This book has been accredited by Pension Fund Regulatory and Development Authority (PFRDA). It aims to enhance the knowledge level and the quality of services provided by individuals, proprietors, partners and representatives of retirement advisers registered under the PFRDA (Retirement Adviser) Regulations, 2016. This book will be handy for all who want to learn about the various aspects of retirement planning. This book explains the following topics: • [Know] the following: o [Fundamental Concepts] in Retirement Planning and the various investment products o [Evaluation Tools & Fund Selection] o [Implications of Retirement Planning] of specific situations and the ways to manage them o [Regulatory Structure and Regulations] that govern the retirement adviser's activities • [Learn] about the following: o [Retirement Planning Process] in detail • [Understand] the following: o [National Pension System] and its features and benefits o [Strategize Retirement Plans] which are helpful to investors in executing their retirement plan The Present Publication is the May 2022 workbook version, published exclusively by Taxmann for NISM Certification Examination XVII | Retirement Adviser, with the following contents: • Fundamental Concepts in Retirement Planning • Financial Markets and Investment Products • Retirement Planning • Retirement Planning Products: National Pension System • Evaluating Fund Performance and Fund Selection • Other Investment Products • Retirement Planning Strategies • Special Situations in Retirement • Regulations and Regulators

The second edition of Financial Planning Essentials delivers concise, contemporary, relevant and curriculum-aligned content carefully tailored to first-year undergraduate students. Students will be inspired, rather than saturated, by information on how to advise their future clientele about investment decisions throughout their lifetime. Encompassing the entire spectrum of client wealth management, from wealth development and protection to early investments, superannuation, and estate planning, this edition equips students with comprehensive knowledge and skills. A key focus is on instilling students with the necessary language and communication tools to deliver meaningful guidance to their future clients. Through a systematic exploration of fundamental concepts and technical competencies, Financial Planning Essentials, 2nd edition primes students for successful and fulfilling careers in financial planning. This text serves as an indispensable guide, fostering both readiness and enthusiasm among aspiring financial planners.

Marriage is one of life's most profound and transformative journeys. It's a union that brings together two individuals, each with their own hopes, dreams, and challenges, to create a shared life. While love often brings couples together, it's the daily practice of commitment, understanding, and mutual growth that sustains a marriage through the years. In this book, "Essentials of Successful Marriage ," we embark on an exploration of the principles and practices that form the foundation of successful, lasting marriages. These "Essentials" are not rigid rules but rather guiding principles distilled from years of research, counseling experience, and the lived experiences of countless couples who have navigated the complex terrain of married life. The primary purpose of this book is to provide couples—whether newlyweds or those celebrating decades together—with a comprehensive guide to nurturing and strengthening their marital bond. By breaking down the multifaceted nature of marriage into 100 clear, actionable Essentials, we aim to make the wisdom of successful relationships accessible and applicable to every couple.