Your Retirement Income Blueprint: A Six-Step Plan to Design and Build a Secure Retirement [Paperback]

• Historically low interest rates mean lower returns on investments before and during retirement
• The stock market disaster of two years ago still has many unnerved
• Significant changes are coming to the Canada Pension Plan in 2012 that will affect those 60-65 in particular
• Very few people in the private sector have defined benefit pension plans to rely on for a steady source of retirement income
• Government debt is increasing just when demand for medical care will begin skyrocketing-how can retirees afford to fund their own care in years to come?

     The Retirement Income Blueprint is an antidote for Canadians who are generally ineptly advised, under-serviced, and over-charged by advisors on planning retirement income. Based on the author's vast experience in over 20 years of working with clients to develop retirement income plans, this book will help readers to work through the many stages that will make up their retirement and adapt their income plans to account for constantly changing health and family issues and their attitudes to money along the way.

     Transitioning from accumulating assets in your working years to creating a sustainable stream of retirement income is not as easy as it may seem. The challenge for those approaching  retirement, as well as those who are retired, is how to move successfully from one source of income, their employment income, to where they have six to eight different streams in retirement-and how to combine those different sources most efficiently. The Retirement Income Blueprint offers proven strategies for retiring boomers on taking the various sources of income that they have for retirement and "pulling it all together" to engage and use those income sources in the best way possible. The book will help you to:

• Combine government and personal sources of income most efficiently
• Determine which assets to use first and which to defer
• Preserve government benefits and entitlements that are in many cases needlessly wasted or lost
• Create results that are more survivor- and estate-friendly than are possible by applying traditional approaches
• Greatly reduce taxes on retirement income and to the eventual estate.

     The Retirement Income Blueprint  lays out a six-step process for "taking apart" accumulated assets, making the most out of what you have taken a lifetime to save, and creating an "Income Continuum" to produce income that lasts as long as you do.

Anxiety about retirement finances is running high for anyone approaching the end of their working life, made all the more urgent by a perfect storm of jarring recent events and uncertain economic conditions. Historically low interest rates and resulting lower returns on investments, significant changes to the Canada Pension Plan in 2012 that will affect those 60-65 in particular, and government debt increasing just when demand for medical care will begin skyrocketing-all point to tough times ahead for retirees. How can retirees afford to retire, let alone enjoy their retirement, in years to come?

Your Retirement Income Blueprint offers proven strategies that show you how to:

• Combine government and personal sources of income most efficiently
• Determine which assets to use first and which to defer
• Preserve government benefits and entitlements that are often needlessly wasted or lost
• Create results that are more survivor- and estate-friendly than traditional approaches
• Greatly reduce taxes on retirement income and the aggregate estate

Your Retirement Income Blueprint was written with boomers in mind, because boomers are increasingly aware of the importance of retirement income planning, but they can't find the knowledge and expertise they need, even among professional financial planners. Covering topics from consolidating your assets to creating sustainable income, this book is the foundation for making the most out of what you have taken a lifetime to save.