How Millionaires Stay Rich Forever: Retirement Planning Secrets of Millionaires and How They Can Work for You Book

INTRODUCTION

My Story
Who Should Read This Book
Ten Reasons You Need This Book
The Purpose
The Stay Rich Philosophy
Meet Our Millionaires--Your Introduction To The Four Pillars
Taking Inventory--Our First Step
When Should I Retire/How Much Money Is Enough To Retire Comfortably?

BUILDING WEALTH
Long Term Savings Plan
Frugality: Living On "Income" And Not On "If-Come"
A Word About Debt
Company Retirement & Savings Plans
Company Stock Options
Portfolio Components
Cash Reserves
Fixed Income
Equities
Selecting And Evaluating Investments
Your Financial Team
Finding The Right Investment Advisor

MAINTAINING WEALTH
Four Big Risks (Retirement Day Decisions/Over Withdrawal/ Loss Of Principal/ Taxation
Your Retirement Day--Decisions For Forever
Withdrawal Strategies--Applied Budgeting
How To Avoid Running Out Of Money During Retirement Due To Catastrophic Personal Expenses
Healthcare Expense Risk Management
Long Term Care Insurance
Maids & Live-In Servants
Avoiding Investment Scams
Second Marriages & Money Fees & Commissions
A New Money Management Paradigm
Life Insurance In Retirement

TAX EFFICIENCY
Phantom Income
Retirement Account Withdrawals--Tax Strategies
Company Stock In Retirement Plans
The NUA Advantage
Roth IRAs
Tax Avoidance Trusts--Appreciated Assets
Gifting Strategies--Charities
Gifting Strategies--Family
Tax Payment Planning

DISABILITY AND ESTATE PLANNING
Investment During Illness/Disability
Death & Taxes
Wills & Living Trusts
Age & Behavior Based Bequests
Tax Avoidance Trust At Death CRT/Stretch IRA/ILITS
LTD Partnerships & Estate Planning
Leaving A Legacy

FINAL THOUGHTS
Putting It Into Practice