The Fiscal Cliff: "Recession-Proof Retirement" Book FREE Download

Nov. 9, 2012 - PRLog -- New book launches on Amazon's Kindle and is available for FREE downloads from Friday 11/09/12 through Tuesday 11/13/12. SAVE $4.99 during this time period.

In thinking about your own retirement, does it seem “more probable” to you that your money will outlive you… or that you will outlive your money? In either case, by reading this just released book  can help you safely make your savings work much harder for you.

This new book is a “must have” for people who are already retired or are within just a few years of their retirement. “Recession-Proof Retirement” will show retirees how to safely increase your interest income, reduce your income taxes and/or predictably increase your security, wealth and legacy. IN other words, how to sidestep the impending fiscal cliff.

A successful retirement is no longer a “slam dunk”. With fewer retirees getting sizable pensions, the lingering effects of the great recession of 2008, a decade of stock market volatility and continuing historically low interest rates, managing finances for a long and prosperous retirement can be tricky for all but the very wealthy.

Will the looming fiscal cliff effect your retirement and/or put our country in another recession? As a practicing Certified Financial Planner, Mark Orr likes to start a retirement income discussion with this fact. There have been 23 economic recessions since 1900 and more will follow. They can all adversely and permanently impact a retiree's lifestyle and/or their hopes for leaving a meaningful legacy. On average, one happens about every five years, so you will likely experience 5-7 recessions during your retirement.

Have you recovered from the last two recessions yet? Are you fully prepared for the next one?

Along with the high likelihood of living through a number of future recessions, longevity and inflation are the big demons to beat during retirement. Many retirees have yet to fully consider, plan and invest for these nearly inevitable occurrences.

That could be an awful mistake unless you have more than a million dollars in savings, a large pension that you both can count on… and you don’t rely on two Social Security checks each month. What will happen when one of those Social Security checks stops coming in?

The average lifespan of retired Americans has been rising for many decades and will continue to do so as medical advances keep us alive longer. A couple aged 62 today, has a joint life expectancy of age 92. That means at least one of them is likely to live until age 92 or even longer. So we should really plan for a 25-35 year retirement income stream.

However, we can’t forget about inflation risk over the next few decades. Every year, everything that you will need to buy will cost more. At just 3% inflation, your cost of living will double in 24 years. With inflation factored in, we need to plan for a 25-35 year “rising income” -- as your cost of living during retirement will probably double. One cannot afford to wait and deal with this looming economic “time-bomb” later.

With that in mind, retirees need secure places to put their money that provide decent returns that safely beat inflation over the next two or three decades, provide great liquidity at any time, offer flexibility and much more. This book comes with examples of how my clients are using these financial strategies and solutions for a more secure retirement income. The income planning strategies combined with what I believe are some of the best types of investments for retirement and best investments inflation and your likely longevity.

These safe retirement investments can be the perfect CD alternatives, bond alternatives and annuity alternatives are a safe place for retirement money. They come with a lot of flexibility and other important benefits for you and your family. And no, this book is NOT about index annuities which so many annuity salespeople are pushing onto seniors today.

The educational and easy-to-understand information in this book can provide security and great long-term rising income solutions for America’s retirees and seniors.

You can download your free copy here: http://www.amazon.com/Recession-Proof-Retirement-ebook/dp...