TABLE OF CONTENTS     

WELCOME
i
LETTER TO ALL EMPLOYEES
ii
ABOUT THE AUTHORS
iii
HOW TO USE THIS MANUAL
iv
PREFACE
v

AN INTRODUCTION TO RETIREMENT PLANNING
The fundamentals of building financial security
Your paycheck - your most important financial resource
Dream a little - establishing your financial success
1
YOUR GOALS - When would you like to retire?
2
RETIREMENT PLANNING FOR WOMEN
3
THE AGING PROCESS - preparing to live to age 100!
4
HOW ANY EMPLOYEE AT ANY AGE CAN ACHIEVE FINANCIAL INDEPENDENCE
5
EMOTIONAL AND PSYCHOLOGICAL FACTORS THAT INFLUENCE RETIREMENT
6
FINANCIAL LITERACY - how much do you understand about finances?
7
YOUR FINANCIAL ENEMIES TO RETIREMENT PLANNING
8
THE "THREE LEGS" TO YOUR FINANCIAL "STOOL"
9
HOW MUCH MONEY DO YOU NEED TO SAVE FOR RETIREMENT
10
YOUR SOCIAL SECURITY BENEFITS
11
HOW TO MAXIMIZE YOUR EMPLOYEE BENEFITS
12
INVESTMENT STRATEGIES TO BUILD FINANCIAL SECURITY
13
RISK MANAGEMENT - considerations to protect your financial wellbeing
14
ESTATE PLANNING - why all employees need a plan
15
SEARCHING FOR SAVINGS DOLLARS IN YOUR MONTHLY BUDGET
16
SHOULD YOU CONSIDER EARLY RETIREMENT
17
WORKING FOR FUN - supplement your retirement income
18
TAX PLANNING - employee strategies to reduce income taxes
19
RETIREMENT INCOME GOALS - now is the time to establish your income goals
20
HOW TO DETERMINE IF YOU CAN AFFORD TO RETIRE
21
COMBINING ALL YOUR INCOME SOURCES
22
HEALTH INSURANCE CONSIDERATIONS - before and after Medicare eligibility
23
LONG-TERM CARE - protect your assets from medical bankruptcy during later year
24
ATTENTION EMPLOYEES - your are responsible for your planning
25
LIFE EVENTS - they can change your plans
27
WHAT TO EXPECT FROM A RETIREMENT PLANNER
28
PERSONAL COUNSELING - why get a "second opinion" on major financial decisions
For employees age 20 - 35
For employees age 51 - 65
 For employees age 36 - 50
For retired employees - post retirement planning
26
FREE COMPUTER RETIREMENT INCOME REVIEW - services are for any age
30
YOUR ACTION PLAN - what do you plan to do now to improve your retirement planning
31
CONCLUSION
32