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

Daryl Diamond
4.7 out of 5 stars  See all reviews (7 customer reviews)
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Book Description

April 11 2011
The leading edge of the baby boomers begins turning 65 in 2011. All of a sudden, the transition from accumulating assets in the working years to creating a steady and reliable stream of income in retirement is becoming a top-priority issue for a huge segment of the population. Anxiety about planning retirement income is running high for anyone approaching retirement, and being made all the more urgent by a perfect storm of recent events and conditions:

<ul><li>Historically low interest rates mean lower returns on investments before and during retirement</li><li>The stock market disaster of two years ago still has many unnerved</li><li>Significant changes are coming to the Canada Pension Plan in 2012 that will affect those 60-65 in particular</li><li>Very few people in the private sector have defined benefit pension plans to rely on for a steady source of retirement income</li><li>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?</li></ul>

     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:

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

     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.


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From the Back Cover

"Daryl's easy-to-use, step-by-step process is your blueprint for creating a sustainable retirement income stream and enjoying a financially worry-free retirement. When it comes to creating your retirement paycheque, Daryl Diamond is the expert. His book is a must-read for all boomers."
Patricia Lovett-Reid, Senior Vice-President of TD Waterhouse Canada Inc., and host of BNN's MoneyTalk

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.

About the Author

Daryl Diamond is a recognized leader in the financial services industry. His practice, Diamond Retirement Planning Ltd., focuses on advising pre-retirement and retirement clients on the income structures, investment strategies, and estate conservation issues that are unique to those groups. He is active in educating advisors and their clients on retirement planning. He runs seminar programs and has designed training programs for three large Canadian financial institutions-Standard Life, Dynamic Mutual Funds, and the Royal Bank-to educate advisors on retirement income planning.


Customer Reviews

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Most helpful customer reviews
15 of 16 people found the following review helpful
5.0 out of 5 stars Excellent book! Aug 20 2011
Format:Paperback
This is the best retirement planning resource I have ever read -- and I have ready many! From the initial discussion of the emotional 'drivers' of retirement planning, to identifying the different stages of retirement and the varying income needs, to the technical -- but very understandable -- descriptions of the different components of structuring a retirement income plan, Mr. Diamond's experience as someone who has worked with clients on a daily basis is a valuable perspective on how things should be set up. In my experience, there are very few financial advisors out there who know what they are doing in this space but Mr. Diamond obviously knows his stuff. His approach is exactly what I have been looking for!
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3 of 3 people found the following review helpful
5.0 out of 5 stars RETIREMENT INCOME BLUEPIRNT April 28 2012
By Murray
Format:Paperback|Amazon Verified Purchase
This is the best book that I have found for withdrawal of funds form an RRSP or RIF with tax implications taken into consideration. It is easy to read and understand. It will save people money by showing the best taxes rates for RRSP and RIF withdrawals.
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3 of 3 people found the following review helpful
5.0 out of 5 stars Clear, accurate, helpful April 6 2012
By Stephen
Format:Paperback|Amazon Verified Purchase
This is a clear, accurate and helpful guide to planning for Canadian retirement income. If you use a professional investment advisor (like me) or a financial planner, reading this book will help you understand the advice you are getting. If you are doing your own retirement planning, this book will help you identify, understand and avoid the many possible mistakes you can make. To put it more positively, it will help you maximize your after-tax income in retirement.
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