Contents
Prologue......................................................................................................... v The New Rules of Retirement Saving...................................................1 Three Rules for a Better Future..........................................................6 Rule #1: Know Your Risks..................................................................... 11 Structural Risk .......................................................................................... 15 The Three-Legged Stool.................................................................... 16 Market Risk ............................................................................................... 29 Tax Risk ...................................................................................................... 41 What Happens If… .............................................................................. 48 Which Should You Choose? ............................................................. 49 Now You’re In the Know .................................................................. 56 So, Fix It Already ................................................................................. 57 RULE #2: Choose a Strategy That Addresses Your Risks............ 59 Choosing How You Save ....................................................................... 63 7702 Plans.............................................................................................. 68 IUL ........................................................................................................... 69 Eliminating Structural Risk .................................................................. 71 A Self-Completing Plan ..................................................................... 72 Eliminating Market Risk ....................................................................... 75 Eliminating Tax Risk .............................................................................. 83 Too Good to Be True.............................................................................. 87 Truthful Scale ....................................................................................... 88 Rule #3: Take Action Now .................................................................... 95 Final Thoughts ........................................................................................ 101 How Much Do I Need to Retire?....................................................... 105 Longevity Risk.................................................................................... 106
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