The book allows the reader to understand their choices in the State of Florida Pension, DROP, and Investment Plan. It adds chapters that are important in retirement planning, including taxes, estate planning, social security, and medicare/medicaid planning.

This book is written for a fairly selective audience: those beyond age 55 who feel a need to review and improve their retirement financial plans. All of the strategies, specific techniques, and examples in this book focus on the needs of those in this critical phase of retirement planning.While grounded in solid financial theory, the book takes a very pragmatic approach, describing investing and planning techniques drawn from the experience of the author. Readers can use the material to either do the financial planning work on their own, or to more efficiently work with CERTIFIED FINANCIAL PLANNER(tm) professionals.

Explore all aspects of employee compensation and benefits with The Tools & Techniques of Employee Benefit and Retirement Planning. This must-have resource provides real-world examples of compensation options, healthcare, life insurance strategies, and fringe benefits to help you understand the important and sometimes unexpected consequences of different planning approaches. Each approach is explained in clear, easy-to-understand language that takes you through the legal and regulatory requirements for instituting and maintaining benefits while also explaining the tax consequences of different approaches. This comprehensive resource: Describes all aspects of employee benefits planning, Contains detailed discussions surrounding the relevant planning considerations, regulatory requirements, and tax consequences for each topic, Includes benefits that can be used for all types of employees, including full- and part-time employees, entry- and mid-level employees, temporary employees, and executives, Explains both qualified and unqualified benefits, Outlines both immediate and deferred compensation strategies, and Describes important regulatory and tax considerations for employee benefits such as healthcare, employer-provided life insurance, and retirement plans. For those looking to learn more on employee benefits and retirement planning, this book additionally provides detailed source material references to serve as jumping-off points for conducting deeper research. New in the 17th Edition: A new chapter on COVID-19 related tax changes for employee benefit plans Updates resulting from the SECURE Act Employee retention credit under the CARES Act New details on use and rollover of medical and dependent care FSA plans Updated ERISA compliance and reporting requirements, including Form 5500 information Updated tax information, including the new 2021 COVID-19 stimulus and CAA bills Topics Covered: Cash and equity compensation Deferred compensation, including qualified retirement plans Health insurance planning Short and long term disability Life insurance for employees, owners, and officers Employee benefit ethics and compliance issues Defined contribution and defined benefit plans And more! See the "Table of Contents" section for a full list of topics As with all the resources in the highly acclaimed Leimberg Library, every area covered in this book is accompanied by the tools, techniques, practice tips, and examples you can use to help your clients successfully navigate the complex course of employee benefit and retirement planning and confidently meet their needs.

Do you ever read the headlines about financial happenings and wonder if Wall Street is run by a bunch of animals? In Wall Street and Your Retirement, you'll learn about stock pickin' chickens, cat- and chimp-based stock indexes, and more financial animals, as well as how to keep this monkey business from affecting your lifestyle in retirement. With amusing anecdotes and sensible strategies, industry insider Ron Anno writes about the topics most relevant to retirees (and those who aspire to be), including: - Ways to make the most of Social Security - Strategies for reducing taxes in retirement - Resources for reliable income - and more! About the Author Ron Anno has more than three decades of experience in financial services, and has worked from nearly every angle. His work helping people retire every day informs the stories and strategies he outlines in this, his first book. Ron lives in Sarasota, Florida, with his wife, Debra. They have three adult children and two beautiful granddaughters. What industry professionals are saying about Wall Street and Your Retirement: "I have been a practicing CPA since 1993 and have seen just about every kind of financial strategy or plan ever thought up. Ron Anno's book weeds through all the nonsense, hype and/or worse. His book is easy to read and extremely informative for any level of reader. I would highly recommend this to anyone who is looking to plan for their future. I would also recommend this to anyone in the business to sharpen up their game. Nice job, Ron." - Mark Knauf, CPA "In 'Wall Street and Your Retirement, ' Ron Anno has brought together decades of real-world experience and complicated financial concepts to deliver a quantitative and understandable approach toward financial security. He cuts to the chase so individuals can make sense of the complicated and perilous world of investing. This book is fun, easy to digest, and the information is critical to a successful retirement." - Paul Tarantino SVP Wealth Advisor, Canandaigua National Trust Co. of Florida "Ron Anno's 'Wall Street and Your Retirement' takes the complex and multi-faceted process of retirement planning and breaks it down into its components in a way that is comprehensible to those without specialized financial knowledge. His descriptions of the various elements that compose a retirement plan are concise and free of unnecessary industry jargon or niche phrases. His examples of how these individual parts work together to form a greater whole is direct and unambiguous in underscoring the importance of having a financial professional with diversified knowledge planning for your retirement goals." - Paul J. Bupivi, Esq., Lawrence & Associates-Counselors at Law "Retirement planning is crucial for almost everyone. Yet, most of us do not understand how to set up a diversified plan that will meet our retirement goals or, in some cases, what our goals even are. Ron's book provides valuable insight into forming an effective retirement plan. It discusses all aspects of a truly diverse retirement plan, from identifying retirement goals to explaining the various tools and products available and showing how each can be used in a solid retirement plan. Ron explains the roles that health care, the stock market, annuities, life insurance, Social Security, and estate planning each play in retirement. My favorite aspect of this book is that it provides an understanding of how different types of complex annuities and life insurance policies actually work. This book is worth reading for that alone but it provides much more to help the reader gain a better understanding of retirement planning." - Robert C. Benedict, Esq., Wideikis, Benedict & Berntsson, LLC, The Big W Law Firm

Problems seem to bother those the least that plan the most... Lying awake nights wondering if you'll run out of money before you run out of breath? That's the reality facing millions of Americans today in a rapidly aging society of economic instability, devastated nest eggs, skyrocketing healthcare costs and plummeting purchasing power. Is it possible to realistically plan for a comfortable retirement in these uncertain times? In a word, yes. Not only is it possible, but that's exactly what this book is about: How to create a retirement plan to support your lifestyle throughout your and your spouse's lives, then distribute your estate to your heirs in the most beneficial and tax-efficient way. Donald Moore, a preeminent retirement planner, has worked with hundreds of clients over many years to chart the right course for each individual and couple to achieve their retirement dreams. A veteran of the industry and one of the most successful retirement planners in the northwest Florida and southwest Alabama area, Moore can help you determine... - Whether or not your assets areproperly positioned - How much capital you'll need to produce a comfortable retirement income - The kinds of savings and investments you'll need to achieve your goals - How much you should set aside each month for savings and investments - The kind of tax-advantaged investments best suited to your needs - The monthly income your family will need in the event of your death - The amount and type of life and disability insurance you need Take heart if you are among the nearly half of American workers today who have never tried to calculate how much money you'll need to live comfortably in retirement.

The 2022 Florida Retirement Handbook includes information on 100+ of the best places and communities for retirement, the effects the coronavirus pandemic has had on the Florida retirement landscape, the safest places to retire in Florida, cost of living information, navigate the Florida homeowner's insurance minefield, and more.

Financial planning today is formulaic, redundant and not very helpful to the consumer! This book reveals exactly how Wall Street, financial planners, and the news steer investors into poor and expensive decisions. It prescribes proven alternatives that place readers on a path to reach or exceed the specific yield necessary in their situation.