RETIRE RICH: Survival Guide

HOW TO MAKE YOUR MONEY LAST A LIFETIME

1. Establish a Personal Financial Plan. Planning is everything!

2. Create an A-B Living Trust with medical power of attorney and will. Review annually and update as needed.

3. Fund your Trust by transferring title of your brokerage accounts, bank accounts and real properties to the Trust and change the member names of your LLCs to the name of the Trust.

4. Read: 10 SMART MOVES FOR RETIREMENT & Morningstar Retirement Planning Tips

5. Purchase Long-Term Care after age 55.

6. Roll over your IRA, SEP, 401K, 403B into One self-directed Roth IRA and then Asset Allocate and do not take on too much risk.

7. Create a Perfect Retirement Portfolio for your Roth IRA.

8. Supplement your retirement with a Variable Annuity.

9. Real Estate: Own one or more rental properties. It's the only way to inflation-proof your retirement.

10. Own physical gold & silver.

11. Understand what the future may look like and what you can do to prepare.

12. Protect your money and hire a trusted advisor.

13. Do tax planning in retirement.

14. Do not rely on Social Security.

15. When to take Social Security.

16. Read: Boomers' Financial Futures in Flux

17. Your money will last longer with a 75% allocation to stocks over bonds and with a 4% annual withdrawal rate.

18. Inflation Proof Your Retirement with - Real Estate

ADDITIONAL TOOLS:

• Introducing the Roth 401(k)
• The Roth 401(k) Estimator
• Retirement Worksheets
• Seven steps retirees can take to lower their health care costs
• The SmartMoney 401(k) Planner