MAKEOVER RESOURCES

On the Web


www.401khelpcenter.com Everything you ever wanted to know about 401(k) retirement accounts.


www.ssa.gov/planners/calculators.htm Compute what you can expect from Uncle Sam in retirement.

www.money.com/ultimateretirement Multipart calculator serves as reality check to what your savings plan will yield.

www.fidelity.com/simplestartira One company’s new program of “target-date” retirement fund.

www.adviserinfo.sec.gov Check out who you’re investing with: This is the U.S. Securities and Exchange Commission list of disciplinary actions against financial firms and their employees.


www.aaii.com American Association of Individual Investors site with info on stock picking and analyst recommendations.

www.aarp.org AARP, the advocacy group for Americans who are 50+, offers some of the most comprehensive online material, plus a number of free booklets on topics such as financial planning, health insurance, Medicare. Order from www.aarp.org/booklets or 1-888-OUR-AARP (1-888-687-2277). Many also are available in Spanish. You do not need to be an AARP member. Order by name and stock number:

• Future focus: Your Guide to Financial Planning for Retirement / stock #D17731

• Money Matters: Your Guide to Financial Security / stock #D17732

• Health Insurance During the Working Years / stock #D17738

• “Home Made Mortgages: A consumer’s guide to reverse mortgages,” stock #D15601, can be ordered by phone, or at www.aarp.org/revmort

Books

“Retire on Less than You Think: The New York Times Guide to Planning Your Financial Future” by Fred Brock, Henry Holt/Times Books, 2004, $15. Goes past the hype about the seven-figure stash we all “must” have for retirement to the real-world situations average investors face.

“You Don’t Have to be Rich” by Jean Chatzky, Portfolio, 2003, $16. “Today” show financial guru suggests taming debt and saving what you can toward the future regardless of pocketbook.

“Parlay Your IRA into a Family Fortune” by Ed Slott, Viking, 2005. How to accumulate tax-free wealth and pass it to heirs intact.

IN RETIREMENT RESOURCES

Find your own “best place” to retire with these books and Web sites.

Web sites

money.cnn.com/best/bpretire CNN and Money magazine pair to compare costs, weather and more for more than 1,200 U.S. retirement places.

www.bestplaces.net Web extension of popular “Cities Ranked and Rated” book compares taxes, food, housing and more for U.S. cities.

www.retirementliving.com Retirement Living Center: Membership-based Web site evaluates places to retire, including 125 locations in 28 states.

Books

“America’s 100 Best Places to Retire” by Elizabeth Armstrong, Vacation Publications, 2002, $18. Strong emphasis on culture and lifestyle in smaller towns.

“Cities Ranked and Rated: Your Guide to the Best Places to Live in the U.S. & Canada” by Peter Sander and Bert Sperling, Wiley, John & Sons, 2004, $25. User-friendly and thorough on day-to-day essentials.

“Retirement Places Rated: What You Need to Know to Plan the Retirement You Deserve” by David Savageau, Wiley, John & Sons, 2004, $24. Financial comparisons for 203 retirement hot-spots.

“50 Fabulous Planned Retirement Communities for Active Adults: A Comprehensive Directory of Outstanding Master-Planned Residential Developments” by Robert Greenwald. Career Press, 1998, $20.

“America’s Best Low-Tax Retirement Towns: Where to Move To, and From, to Slash Your Taxes in Retirement” by Eve G. Evans and Richard Fox. Vacation Publications, 2002, $17.

“Choose a College Town for Retirement: Retirement Discoveries for Every Budget” by Joseph Lubow, Globe Pequot Press, 1999, $15.

“Live Well in Mexico: How to Relocate, Retire and Increase Your Standard of Living” by Ken Luboff, Avalon Travel Publishing, 1999, $16.

“Retire on Less Than You Think: The New York Times Guide to Planning Your Financial Future” by Fred Brock, Henry Holt & Company, 2004, $15.

“Retire in Style: 60 Outstanding Places across the USA and Canada” by Warren Bland, Next Decade Publishing, 2005, $23.

“Where to Retire: America’s Best and Most Affordable Places” by John Howells, Globe Pequot Press, 2003, $18.

LEAVING A LEGACY RESOURCES


AARP: Comprehensive estate-planning information. www.aarp.org/estate_planning

American Council on Gift Annuities: Nonprofit organization providing information about gift annuities and other planned gifts, as well as other services to American charities. www.acga-web.org or 317-269-6271

Better Business Bureau: Organization includes reports on charities. www.bbb.com

Estate Planning Council of Seattle: Estate-tax planning strategies, wills, trusts and more, from a council that includes local attorneys, CPAs, trust officers, insurance professionals, financial planners and planned-giving experts. www.epcseattle.org or 206-285-4066

GuideStar: Online database allows users to search more than 620,000 nonprofit organizations by name, subject and more. www.guidestar.org/

Lawyers.com: Basic online information about preparing a will, trust and estate planning, with a link to estate-planning attorneys in the area. www.lawyers.com

Leave a Legacy of Western Washington: Local and national resources for starting or improving a personal planned-giving program. www.leavelegacy.org, 206-285-6237 or 800-682-0090

Planned Giving Design Center: National network hosted by profit and nonprofit groups, providing current information on charitable taxation and planned giving. www.pgdc.com or 704-849-0731

NewTithing Group: “How to Assess Nonprofit Accessibility,” and other resources from this nonprofit group and private foundation help donors calculate how much they can afford to contribute to charity. www.newtithing.org or 415-274-2765

Washington State Bar Association: referrals and general information. www.wsba.org or 800-945-WSBA (9722)

Women’s Philanthropy Institute: Charitable-giving resource for women and those who counsel women as donors. www.women-philanthropy.org or 317-274-4200

SPENDING YOUR NEST EGG RESOURCES


www.aarp.org/financial AARP, the advocacy group for Americans aged 50+, offers some of the most comprehensive online material on retirement finances. Also free booklets on topics such as financial planning, health insurance, Medicare can be ordered through www.aarp.org/booklets or 888-OUR-AARP (888-687-2277). Many also are available in Spanish. You do not need to be an AARP member. Order by name and stock number, including:

• Future focus: Your Guide to Financial Planning for Retirement / stock #D17731

• Money Matters: Your Guide to Financial Security / stock #D17732

• “Home Made Mortgages: A consumer’s guide to reverse mortgages,” stock #D15601, can be ordered by phone, or at www.aarp.org/revmort

Also, homeowners aged 62 and over can get reverse mortgage counseling for federally-insured Home Equity Conversion Mortgages through the AARP Foundation’s Reverse Mortgage Education Project, which is funded by the U. S. Department of Housing and Urban Development.

Consumers can locate a counselor in their area by going to the Home Equity Conversion Mortgages Resource site at www.hecmresources.org/requests.cfm

If you click through the above site, you’ll find counselors in Seattle, Tacoma and Kennewick.

www.nrln.org

National Retiree Legislative Network, a nonprofit organization dedicated to protecting retiree pensions and benefits, such as company-paid health care; newsletter is $12 a year.

moneycentral.msn.com/content/Retirementandwills/Retireinstyle/P34815.asp
Good, basic info on calculating withdrawal rates.

From The Seattle Times and seattletimes.com


Thinking About Long-Term-Care Insurance?

Reprints of Seattle Times columnist Liz Taylor’s six-part series on long-term-care insurance are available by mail.

The reprint is reformatted on 8½-by-11-inch paper, bound for easy reference.

The price is $6.10, which includes sales tax, postage and handling.

To order copies by mail, send your request and checks payable to:

The Seattle Times

Long-term-care insurance series

P.O. Box 1735

Seattle, WA 98111

To order by phone and use a credit card, please call the Resale Department at 206-464-3113.

You can also order by e-mail:
resale@seattletimes.com

Liz Taylor’s columns are available on seattletimes.com



Like what you see?

You can pick up free copies of this special section at The Seattle Times’ main office, 1120 John St., Seattle; Eastside bureau, 1200 112th Ave. N.E., Suite C-145, Bellevue; and Snohomish County bureau, 1133 164th St. S.W., Suite 101, Lynnwood. Our lobby hours are 8:30 a.m. to 4:30 p.m. Monday through Friday.

By mail: Send your request for a copy by mail with a check for $2.50, which includes postage and handling, to:

The Seattle Times Retirement Planning Guide

P.O. Box 1735

Seattle, WA 98111

If you would like to use a credit card for payment, please call 206-464-3113.