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Publisher's Summary

Considering what's at stake, it's surprising how little we know about the key decisions we'll face concerning the retirement money we've accumulated. Taking charge of retirement savings presents a whole new and complex set of decisions: Do you accept your employer's offer of a lifetime pension? Or take all your money in one lump sum? Should you leave 401(k) money where it is? Roll it over to an IRA? Are you eligible for special tax treatment that can put more money in your pocket and less in Uncle Sam's? And what about the new Roth IRA? How can you provide for your spouse? And what can you do to transfer wealth to your heirs?
Personal finance writer and financial education expert Margaret Malaspina takes you through all the options and decisions that you'll face when you are ready to retire. This guide can help you get the most out of what you've earned, lower your tax bills, and create a stream of income that will last for the rest of your life.
There are dozens of resources for saving and investing in retirement. This one is different. It's about the one-shot decisions you can, should, and must make when the time comes to take charge of the money you've worked so hard to save. It explains each option, sorts out its pros and cons, and offers sound guidance customized to your own situation. This book even covers mastering the vocabulary of retirement savings, so you recognize the questions that your employer, your financial planner, or the government will ask. This is the guide that marries vital advice with practical, user-friendly information in an area of retirement planning that few Americans understand.
©1999 Margaret Malaspina; (P)1999 Blackstone Aubiobooks
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Critic Reviews

"Recommended reading for the getting-ready-to-retire crowd." (CBS Marketwatch)
"Important reading for any American who is saving for the future....Will empower its readers to create solid strategies." (BookPage)
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Customer Reviews

Most Helpful
4 out of 5 stars
By Thomas on 02-09-05

Learned a lot

I enjoyed this audio book, and learned a lot. Of course any financial book lacks a little without seeing the print, but then again, reading a financial book can be a bore. The narrator did a very good job - easy to listen to.

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11 of 11 people found this review helpful

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