THE NEW HOLISTIC RETIREMENT • v Initially, we each approached these questions from our unique per spectives . Neil, with his background in managed money, was focused on the market. Would the markets return to the boom-and-bus t c ycles we saw from 2000- 2009, or woul d tthheey2c0o1n0tsi?nue to produce the bull markets we saw throughout H ow would market volatility impact savers’ abili ty to gr o w th eir we alth? Marty , with his actuari al expertise and experience develop ing a nd p ricing financial product s, oft en discu ssed li on wc o mi n et e. rFeos rt rbaat be sy abnodo mt h ee ri rs i lmi kpea hc ti mo n, tgheenreer ai st i na gr reeatl i rcehma ne cnet interest rat es will b e low for the rest of their lifetime. As rme itti irgeaetse hmaavrek eh ti srtios rki ci na l rl ye t ri reel ime de not n, t hf i ixsepdo isnecsoambei gv pe rhoi cbl leesmt .o Becky, with her government and policy background, was focu sed on tax es. Grow ing wealt h wa s onl y hal f t he equation— keeping that wealth mattered, too. For every dolla r grow n in popula r tax- deferred vehicles like IRAs and 401(k)s, the IRS takes a cut. H ow big a cut will they take? Are sa vers prepared? In the end , we realized the answer was not, “Which one is the bigges t concer n?” but, rather , “Ho w do we he lp savers prepar e for all thes e concerns ?” That realiz ation led to this book. Is This Book for Me? Tthheecaonmswinegr,pmagoesst ilmikeplayc,tisaylmeso.sTthaellchallenges we’ll discuss in A merican savers to some degree, a nd there’ s a good cha nce you’ re underprepa red for
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