Table of Contents

Foreword by John c. Bogle xiii

Preface xix

Acknowledgments xxix

Part I The Basics

Chapter 1 The Retirement Planning Process by thomas l. Romens 3

Chapter 2 Understanding Taxes By Norman S. Janoff 21

Part II Savings Accounts and Retirement Plans

Chapter 3 Individual Taxable Savings Accounts By Dan Kohn 35

Chapter 4 Individual Retirement Arrangements By Jim Dahle 47

Chapter 5 Defined Benefit Employer Retirement Account By The Finance Buff 61

Chapter 6 Defined Contribution Plans By Dan Kohn 77

Chapter 7 Single-Premium Immediate Annuities By Dan Smith 91

Part III Managing Your Retirement Accounts

Chapter 8 Basic Investing Principles By Bob Davis 119

Chapter 9 Investing For Retirement By David Grabiner and Alex Frakt 135

Chapter 10 Funding Your Retirement Accounts By David Grabiner and Ian Forsythe 151

Part IV The Retirement Payoff

Chapter 11 Understanding Social Security By Dick Schreitmueller 169

Chapter 12 Withdrawal Strategies By Carol Tomkovich 187

Chapter 13 Early Retirement By Jeff Mccomas 201

Part V Protecting Your Assets

Chapter 14 Income Replacement By Lee E. Marshall 221

Chapter 15 Health Insurance By Lee E. Marshall 239

Chapter 16 Essentials of Estate Planning By Robert A. Stermer 255

Chapter 17 Estate and Gift Taxes By Robert A. STERMER 273

Part VI Finding Good Advice When You Need IT

Chapter 18 Seeking Help From Professionals By Dale C. MALEY and Lauren Vignec 285

Chapter 19 Divorce and Other Financial Disasters By David Rankine 303

Chapter 20 Meet the Bogleheads By Taylor Larimore and Mel Lindauer 315

Appendix I: Pearls of Wisdom 327

Appendix II: Recommended Reading 333

Glossary 337

About The Editors 351

Index 355

About the Author

TAYLOR LARIMORE has been dubbed by Money magazine as "the Dean of the Vanguard Diehards," and Jack Bogle himself calls Taylor "the King of the Bogleheads." Now eighty-six and retired, Larimore regularly spends several hours a day answering questions for free on the Bogleheads.org forum. MEL LINDAUER was dubbed "the Prince of the Bogleheads" by Jack Bogle. Together with Taylor Larimore, he initiated and continues to organize the grassroots Bogleheads annual meetings. Lindauer has been quoted in a number of newspapers and magazines and has appeared on CNNfn. RICHARD A. FERRI, CFA, is a key member of the growing Bogleheads "brain trust" and founder and CEO of the investment firm, Portfolio Solutions, LLC. He is the author of seven books, including The ETF Book: All You Need to Know About Exchange-Traded Funds and The Power of Passive Investing, both published by Wiley. LAURA F. DOGU, called "the Queen of the Bogleheads," participated as an investment panelist during the Bogleheads meetings for the last four years. Dogu is a career Foreign Service Officer with the U.S. Department of State.