Book Description
Praise for THE NEW RULES OF RETIREMENT

"As a Wharton graduate, money manager, Chief Financial Officer, and Certified Financial Analyst, I didn't think I needed help in making investment choices and planning for my retirement. I was wrong. I have been a subscriber to Retirement Watch since 1997. I trust Bob Carlson completely and follow his investment, tax, and planning advice personally." —Sandy Kagan, CFA
CFO Partner, Tatum Partners

"A clear, practical, and wisely unconventional guide to the new world of retirement." —Humberto Cruz
Nationally syndicated financial columnist, Tribune Media Services

"Bob Carlson does a magnificent job preparing readers for the many challenging issues they will face over the next several decades. Retirees can no longer count on generous asset returns and employer-provided defined benefit plans. Bob provides readers with creative approaches for contending with these challenges to help ensure financially and emotionally secure 'freedom years'." —Lawrence E. Kochard, PhD, CFA
Chief Investment Officer, Georgetown University

"Bob Carlson shows that three trends—demographics (baby boomers), increasing longevity, and fewer offspring—have changed forever the landscape facing America's retirees. Stereotype retirement based on Social Security and employer pensions is out; making ends meet on your own is in. Better get yourself ready—and you can do so by reading this book." —James C. Miller III
Former U.S. Budget Director, Chairman of The CapAnalysis Group, LLC

From the Inside Flap
Retirement is an opportunity to do the things you could never find the time for while you were working. It's a chance to plan how you really want to spend the rest of your life. But to take advantage of retirement opportunities, you have to plan and prepare. Most of all, you need to know the new rules of retirement planning.

Today, an unstoppable force known as the Age Wave is transforming the face of retirement. This wave, which is fueled by a historically large generation that is past midlife; longer life expectancy; and a low population replacement rate, will threaten the safety and comfort of your retirement—unless you adapt to the changes brought about by these new trends.

In The New Rules of Retirement, nationally recognized retirement expert Robert Carlson will show you how to incorporate the Age Wave into your retirement planning process and teach you proven, profitable, and unique strategies for achieving a financially secure retirement. He'll explain why you should be prepared to save more than past retirees have and how to use the new rules for investing. He'll also reveal why you might not receive as much help from Social Security, Medicare, and your former employer as you might think.

Filled with in-depth insight and practical advice, The New Rules of Retirement: Explores the financial concerns of retirees and preretirees and how they are affected by certain trends Examines how to estimate retirement spending and how much money should be accumulated for retirement Discusses health care options and how to pay for long-term care Reveals how to invest before and during retirement Illustrates how to plan an estate, cut taxes, and provide for loved ones Manage your IRA more effectively

You can have the retirement you desire. But you must act now to stay ahead of the rapid changes that are taking place. Even if you're currently retired, you should continue to plan and prepare. With The New Rules of Retirement as your guide, you'll learn how to live life to the fullest in the new world of retirement.

From the Back Cover
Praise for THE NEW RULES OF RETIREMENT

"As a Wharton graduate, money manager, Chief Financial Officer, and Certified Financial Analyst, I didn't think I needed help in making investment choices and planning for my retirement. I was wrong. I have been a subscriber to Retirement Watch since 1997. I trust Bob Carlson completely and follow his investment, tax, and planning advice personally." —Sandy Kagan, CFA
CFO Partner, Tatum Partners

"A clear, practical, and wisely unconventional guide to the new world of retirement." —Humberto Cruz
Nationally syndicated financial columnist, Tribune Media Services

"Bob Carlson does a magnificent job preparing readers for the many challenging issues they will face over the next several decades. Retirees can no longer count on generous asset returns and employer-provided defined benefit plans. Bob provides readers with creative approaches for contending with these challenges to help ensure financially and emotionally secure 'freedom years'." —Lawrence E. Kochard, PhD, CFA
Chief Investment Officer, Georgetown University

"Bob Carlson shows that three trends—demographics (baby boomers), increasing longevity, and fewer offspring—have changed forever the landscape facing America's retirees. Stereotype retirement based on Social Security and employer pensions is out; making ends meet on your own is in. Better get yourself ready—and you can do so by reading this book." —James C. Miller III
Former U.S. Budget Director, Chairman of The CapAnalysis Group, LLC

About the Author
ROBERT C. CARLSON, JD, CPA, is Editor of Retirement Watch, a monthly newsletter. The managing member of Carlson Wealth Advisors, LLC, Carlson is also Chairman of the Board of Trustees of the Fairfax County Employees' Retirement System, which manages $2 billion in assets, and is a member of the Board of Trustees of the Virginia Retirement System, which manages $40 billion in assets. He has published a number of research papers and been quoted in numerous publications, including Money, Barron's, Reader's Digest, the Washington Post, and others. Carlson is an attorney and Certified Public Accountant.

FROM THE PUBLISHER

Proven, profitable, and unique strategies for achieving a financially secure retirement