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Index
Cover
Title Page
Table of Contents
Introduction
About This Book
Foolish Assumptions
Icons Used in This Book
Beyond the Book
Where to Go from Here
Part I: Working toward Retirement
Chapter 1: Looking Ahead to Your Future
Planning for the Longer Term
Eyeing Keys to Successful Retirement Planning
Chapter 2: Protecting Your Employment Income and Your Health
Assessing Your Need for Life Insurance
Protecting Your Employment Income: Disability Insurance
Investing In and Protecting Your Health
Chapter 3: Developing a Retirement Plan
Deciding When to Retire
Knowing How Much You Really Need for Retirement
Eyeing the Components of Your Retirement Plan
When Setting Up Your Couples Plan
Crunching the Numbers
Making Plans for Nonfinancial Matters
Chapter 4: Identifying Retirement Investments and Strategies
Defining Investments
What You Need to Do Before You Select and Change Investments
Surveying Different Investments
Managing Investment Portfolios
Chapter 5: Grasping Retirement Accounts and Their Rules
Eyeing the Characteristics of Retirement Accounts
Identifying the Different Types of Retirement Accounts
Rolling Over Retirement Balances
Choosing Beneficiaries for Your Retirement Accounts
Taking Required Minimum Distributions, or RMDs
Part II: Making Money Decisions in Retirement
Chapter 6: Managing Budgets and Expenses
Pointing Out Some Retirement Worries You May Have
Spending Your Nest Egg
How Spending Really Changes in Retirement
Managing Your Expenses
Chapter 7: Guiding Investments and Distributions in Retirement
Guiding Your Investments through Retirement
Looking Closer at Annuities
Choosing Your Pension Options
Eyeing Withdrawal Strategies for Your Investment Accounts
Chapter 8: Making Important Housing Decisions
Analyzing Moving
Tapping Your Home’s Equity: Reverse Mortgages
Looking at Tax Issues Regarding Your Housing Decisions
Chapter 9: Considering Your Long-Term Care Insurance Needs and Options
Understanding Long-Term Care
Planning to Pay for LTC
Considering LTC Insurance
Using Hybrid Insurance Products
Financing LTC Yourself
Evaluating Employer and Group Coverage
Combining LTCI and Self Insurance
Part III: Dealing with Government Programs
Chapter 10: Making Your Best Choices under Social Security
The Lowdown on Social Security
Determining When You’re Eligible for Benefits
Taking a Closer Look at Spouses’ and Survivor Benefits
Identifying When You May Need to Receive Benefits
Noting How Working Reduces Benefits
Preserving Your Benefits
Being Aware of Potential Income Taxes on Your Benefits
Changing Your Mind: A Do-Over
Looking at What the Future Holds for Social Security
Chapter 11: Getting the Most Out of Medicare
Starting Medicare: A Broad Overview of Enrollment Deadlines
Understanding Part A
Exploring Parts B and C
Qualifying for Prescription Drug Coverage with Part D
Eyeing a Medicare Supplement
Resolving Some Sticky Issues
Chapter 12: The State Health Care System Backup: Medicaid
Discovering What Medicaid Is
Considering Medicaid Eligibility
Establishing Functional Eligibility
Meeting Financial Requirements
Examining Planning Strategies
Using Both Medicare and Medicaid
Eyeing Reasons Not to Seek Medicaid
Part IV: Estate Planning: It’s More than Just Dead People and Lawyers
Chapter 13: The Basics on Estate Planning
Understanding Estate Planning
Studying Some Strategies Before Starting Your Estate Plan
Answering Key Questions to Gather Critical Information
Knowing How Estate Taxes Work
Finding Good, Affordable Advice
Chapter 14: Eyeing Wills and Other Legal Documents
Writing Your Will
Assigning a Financial Power of Attorney
Delegating Medical Decisions
Passing Other Assets
Looking Closer at Probate
Chapter 15: Tackling the Federal Estate Tax When You Have Too Much Money
Understanding the Estate Tax
Tallying Your Assets
Reducing Your Estate
Taking Deductions
Choosing Family Estate Strategies
Contemplating Life Insurance
Avoiding the Tax on Gifts to Grandkids: The GSTT
Chapter 16: Focusing on Estate Taxes and the Many Types of Trusts
Identifying the Cast of Characters
Naming the Types of Trusts
Using Trusts in Estate Planning
Part V: The Part of Tens
Chapter 17: Ten Common Retirement and Estate Planning Mistakes
Not Having at Least a Basic Financial Plan
Procrastinating about Estate Planning
Underestimating Life Expectancy
Miscalculating Inflation
Believing You’ll Retire When You Expected To
Ignoring Nonfinancial Planning
Failing to Coordinate with Your Spouse
Expecting to Age in Place
Thinking Most Medical Expenses Will Be Covered
Missing the Initial Enrollment for Medicare Plans
Chapter 18: Ten Things to Know about Working in Retirement
Some Work Is Good for You
The Social Security (Tax) Impact Can Be Huge
Number Crunching Can Show You How Different Scenarios Work
Life Is Short and You Owe It to Yourself to Do What You Love
Investing in Education Can Boost Your Employment Value
Some Employers Are More User-Friendly for Older Workers
Taking Some Employment Risk Is Important
Starting/Buying a Small Business May Be a Rewarding Option
Your Spouse May Not Want What You Want
Volunteering Makes You Happy and Benefits Your Community
Chapter 19: Ten (or So) Tips to Know about Caring for Your Aging Parents
Leverage Off Others’ Experiences
Ask for Professional Help
Invest in Their Health
Get Your Parents’ Affairs in Order
Examine Housing and Medical Care Options
Use Caregiver Agreements
Separate Living Spaces if Parents Are Going to Move In
Take Care of Your Family
Take Care of Yourself
About the Authors
Cheat Sheet
Advertisement Page
Connect with Dummies
End User License Agreement
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