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by Thomas J. Anderson (Author)
Increase the odds you won't run out of money in retirement - using debt!
Conventional wisdom is wrong - being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt--that thing we've all been taught to avoid--can play an integral role in your life, especially in retirement. New York Times Best Selling Author and nationally acclaimed financial expert Tom Anderson shows you how to use the time tested strategies of the best companies and the ultra rich to retire comfortably, minimize taxes, buy the things you have always wanted to have and do the things you have always wanted to do.
Thought provoking and against the grain, Anderson explains why your risk tolerance doesn't matter, why being debt free may actually increase your risk and why rushing to pay off your mortgage may be a financial disaster. Full of shocking revelations and tricks high- net-worth individuals have used for years, The Value of Debt in Retirement opens the world to a new approach to wealth management in retirement, one that factors in both sides of the balance sheet as an integrated ecosystem.
Real-world case studies illustrate how informed debt strategies can lead to a happier, healthier retirement. See how an individual with a net worth of more than $5 million can spend $20,000 per month - after taxes - and pay less than $5,000 per year in taxes, how it is possible to increase your rate of return by 50%, and how a lower risk portfolio with debt could increase the chances you do not run out of money.
Specifically written to Baby Boomers, practical guides and checklists show how to use debt strategies to fund primary and secondary properties, refinance credit card debt, and finance hobbies, such as cars and boats and recreational vehicles. Additional guides show how you can help your children, help your parents and leave a bigger legacy for your heirs and favorite charities. Regardless of your net worth, The Value of Debt in Retirement provides tools to use to apply these concepts to your personal situation.
There is no free lunch: the book delivers a balanced perspective focusing on the potential risks and benefits of the strategies discussed. A discussion on economic history highlights some of the shocks the economy may face and provides important warnings that you should factor into your retirement plan. Anderson not only shows that your life expectancy may be longer than you think, but also illustrates that many investors may be on track to average returns well under 4% for the next ten years - a potentially devastating combination. Irrespective of your beliefs about debt, The Value of Debt in Retirement proves risk is more important than return for retirees and provides suggestions on ways to minimize that risk.
Not all debt is good and high levels of debt are bad. The Value of Debt in Retirement is about choosing the right debt, in the right amounts, at the right time. Perhaps most importantly, this book isn't for everybody. This book requires responsible actions. If you can't handle the responsibility associated with the ideas then this book then it isn't for you. If you need a rate of return under 3% from your investments then you may not need this book. But if you can handle the responsibility and if you need a return above 3%, this book may offer insights into the best (and potentially only) way to achieve your goals.
Front Jacket
Tom Anderson has skillfully addressed a difficult topic, namely how to make the case for the prudent use of debt by individuals in the context of wealth building and retirement planning. This task is not an easy one because, as the author notes, most individuals (and companies) are not really competent to use debt in a measured and prudent fashion. For those individuals, however, with the discipline and intelligence to use debt as a means of adding liquidity and leverage to a well-managed financial plan, this book is an invaluable guide that will inspire and enlighten its readers.
--Christopher Whalen, Author, Inflated: How Money and Debt Built the American Dream
LEARN HOW DEBT CAN ACTUALLY REDUCE YOUR RISK IN RETIREMENT!
Through a holistic, balanced approach, financial guru and bestselling author Tom Anderson shows how utilizing sound debt strategies can enable you to:
Increase Your Return Reduce Your Risk Lower Your Taxes
Throughout The Value of Debt in Retirement, you will also learn how to:
- Help Your Children
- Assist Your Parents
- Be Better Prepared for Emergencies
- Enhance the Impact of Your Charitable Giving
- Fund Primary and Secondary Properties
- Refinance Credit Card Debt
- Finance Hobbies
- Leave a Greater Legacy
www.TheValueOfDebtInRetirement.com
Back Jacket
When it comes to owing money after retirement, conventional wisdom is wrong! Debt--that thing we've all been taught to avoid--can play an integral role in retirement. While it seems counterintuitive, being debt free in retirement may actually increase your financial risk. The Value of Debt in Retirement reveals how you can incorporate a successful debt strategy into your retirement plan that has the potential to increase your returns, reduce your taxes, and actually lower your overall risk. Written by New York Times bestselling author and nationally acclaimed financial expert Thomas J. Anderson, The Value of Debt in Retirement shows how to use time-tested strategies utilized by the best companies and the extremely wealthy in order to minimize taxes and retire in comfort.
The Value of Debt in Retirement outlines a new approach to wealth management in retirement, one that factors in both sides of the balance sheet as an integrated system. This book is filled with real-world case studies that illustrate how informed debt strategies can lead to a happier, healthier retirement.
Author Biography
THOMAS J. ANDERSON worked in investment banking in New York before moving into private wealth management. He has his MBA from the University of Chicago and a B.S.B.A. from Washington University in St. Louis. His extensive academic studies at some of the top schools in finance and economics, international experiences, and institutional background deliver a unique perspective on global markets.
He has been recognized as one of the top 40 advisors under 40 by On Wall Street magazine and four times by Barron's magazine as one of America's Top 1,000 Advisors: State by State. Tom lives in Chicago with his wife and three children.
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