Julie Jason - Retire Securely: Insights on Money Management from an Award-Winning Financial Columnist

RETIRE
SECURELY

Insights on
Money Management

from an Award-Winning
Financial Columnist

JULIE JASON

Praise for
Retire Securely: Insights on Money Management from an Award-Winning Financial Columnist

Once again, Julie Jason demonstrates an astute understanding of the psyche and motivations that drive investors. Shes not here to sell you get-rich-quick schemes, but to provide you with the right resources and education required to make wise, long-term investing decisions that make the most sense for your financial future.

Don Phillips, managing director, Morningstar

Outstanding! Out of the hundreds of books on how to navigate retirement, in her newest book, Retire Securely, Julie Jason writes from her own experience. Her inside knowledge shines a bright spotlight on the issues that matter most.

If youve ever been confused about how investment advisors work, or which type of advisor you should consider hiring, Julie has laid it all out for you. In , she clearly points out the potential conflicts of interest and gives readers simple steps to avoid hiring the wrong advisor, such as the importance of reviewing an advisors disclosure records as the first line of defense. Readers will come away both informed and empowered.

Pam Krueger, executive producer and cohost of the award-winning TV series MoneyTrack on PBS, and founder of Wealthramp.com.

For two decades, Julie has been sharing her financial and investment expertise in an easy-to-understand manner. Her common-sense guidance on saving, investing and estate planning is both priceless and a must-read by all.

Charles Rotblut, CFA, vice president, American Association of Individual Investors, author, Better Good than Lucky

Lets face it, investing requires a little homework. Julie Jasons new book, Retire Securely, is a good place to start for anyone who wants to plan a more comfortable retirement.

Howard Brecher, Publisher, The Value Line Investment Survey

Julie Jasons weekly columns, over 1000 so far, have provided readers with practical guidance and advice on financial and related matters for almost 20 years. Undoubtedly, Julies toughest task in assembling this book was winnowing her selection of columns into the 92 appearing in this book. She has selected so many that provide practical guidance in useful form for non-professional investors. That is Julies thing, and she does it so well.

Manny Bernardo (retired), Former Director of Employee Benefits Tax Services for Deloitte & Touche Tristate, Benefits Specialist Attorney, and Human Resources Benefits Executive

Julie Jason provides readers with great investment insights for retirement and the rest of their financial lives.

Mark Kantrowitz, author of Twisdoms about Paying for College

Julie Jasons book is a Must Read for anyone who wants to learn more about planning for retirement, whether for yourself, or to advise others. Impeccable research, compelling content, all presented in an accessible, informative style that is the hallmark of Julies books and newspaper columns over the years. I learned so much and enjoyed every page!

Juanita T. James, President & CEO of Fairfield Countys Community Foundation

Great investment advice is timeless. These columns from Julie Jason show the way on saving, investing and paving the way to a worry-free retirement.

Jane Bryant Quinn, Author of How to Make Your Money Last: The Indispensable Retirement Guide

Once again, when it comes to sound retirement advice, Julie Jason offers one-stop shopping for a financial feast.

John Wasik, Author of Lightning Strikes: Timeless Lessons in Creativity from the Life and Work of Nikola Tesla

STERLING and the distinctive Sterling logo are registered trademarks Sterling Publishing Co., Inc.

Interior text 2018 Julie Jason
Cover 2018 Sterling Publishing Co., Inc.

All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means(including electronic, mechanical, photocopying, recording, or otherwise) without prior written permission from the publisher.

ISBN 978-1-4549-2986-4

For information about custom editions, special sales, and premium and corporate purchases, please contactSterling Special Sales at 800-805-5489 or .

sterlingpublishing.com

Interior design by Christine Heun
Cover design by David Ter-Avanesyan

To a Secure Retiree, a physician, who I respect, admire,
and adore: my Mother, GJP. To this day she makes
my life a challenge and a joy.

Contents

Acknowledgments

A SPECIAL THANK YOU

First and most importantly, you need to know that it is a joy to talk with my readers.

You not only made the column more meaningful to me personally, but also helped earn the column some distinctions and awards. I am grateful to you for your continued engagement and support.

I also recognize that the columns would be limited but for the experts who make their knowledge accessible to my readers. I am indebted to these sources who freely tackle thorny issues raised by my readers and offer insights and resources far beyond one persons knowledge.

Then, there are all the people behind the scenes at Hearst and King Features Syndicate who make the column possible, and last but certainly not least, are my Jackson, Grant Investment Advisers, Inc. colleagues who are always prepared to provide perspectives and insights.

I look forward to continuing our dialoguewrite to me at .

Who Should Read This Book?

This book is about retirement security, a topic that should be meaningful to all, as financial issues from investing to gifting impact so many people, young and not-so-young. If you are looking for context for todays markets, you will enjoy moving through history with me as I advise investors to be patient and occasionally opportunistic in the face of market extremes.

Most adults have an IRA or a 401(k) or both; many of the columns included in this book address investment and technical issues surrounding these tax advantaged savings vehicles, including beneficiary planning and gifting, and even how a child who earns money can set up a Roth IRA, which is the best way to take advantage of time and compounding.

For those seeking advice on their specific financial planning issues, not only do some of the columns speak to common issues, but they also provide advice on how to find good advisers. In this age of identify fraud and other scams, there is a section of columns that will inform readers of a number of practices of which they should be wary. While emails from Nigerian princes may be obvious scams, a phone call from the IRS may seem less questionable.

Improving financial literacy is something that most can work on, and a number of the included columns will be good for parents and their children to review at various stages of their financial planning lifecycles. Estate planning is particularly important for those likely to have to pay estate taxes, so individuals with taxable estates would benefit from both the estate planning and gifting sections of the book.