Retire without Worry

by Robert J. Reby

Advice and Wisdom on Tackling and Mastering Your Retirement 250 Real-Life Questions and Answers about Your Personal Finances

• Do you know how much money you’ve saved for retirement?
• Are you worried about your retirement?
• How much money will you need to retire?
• Can you—should you—retire at age 65?  
• Are you invested in the right places?
• Are you concerned that Social Security won’t be enough to retire on?
• What percentage of your money should be invested in tax-free bonds? Stocks?
• Should you have a Roth IRA?
• Should you invest in mutual funds?
• Are there advantages to investing in international or technology funds?
• Do you ever speculate if you’ll need to return to work once you’ve retired?

If you’ve wondered about even one of these questions, then this new book is for you.

Popular TV talk-show guest and Certified Financial Planner Robert J. Reby is the author of a new book, Retire without Worry, a practical handbook on important issues to consider as you approach your retirement, the importance of creating a retirement plan, and the many financial options you have for investing for retirement.

Especially valuable for those age 50 and over, this engaging guide is a useful resource if you’ve got retirement on the horizon and are serious about retiring happily.

Individuals, small-business owners and the self-employed will all benefit from Reby’s practical advice on how to build wealth, preserve your assets and create financial independence for retirement.

Chapters cover the essential ingredients of your future retirement:

• Investing in stocks (use dollar-cost averaging—this book explains how)
• Tax-free bonds (they’re not for everybody)
• How to buy mutual funds (they minimize fluctuation of your hard-earned dollars)
• Retirement planning (don’t expect your costs to be any less after you retire)
• Retirement living (don’t invest too conservatively after you retire)
• Estate planning (consider a 529 college fund for your grandchildren)
• The truth about your taxes (don’t ignore them!)

Reby provides definitions of the most important financial terms you’ll need to know, and advice for making the most of various situations using real-life examples, for retiring happily and with enough money to live the way you want to after retirement.

Each chapter opens with quick tips on each topic:

• 7 Rules for Stock Investors
• 7 Things You Should Know about Bonds
• 7 Reasons to Invest in Mutual Funds
• 7 Common Mistakes Investors Make
• 7 Ways to Retire without Worry
• 7 Things to Do After You’ve Retired
• 7 Effective Estate Planning Tools
• 7 Truths About Taxes
• 7 Steps to a Financial Plan

Advance Praise for Retire without Worry

“In Retire without Worry, Bob Reby has created a valuable reference tool by providing answers to hundreds of questions about personal financial matters. Not only has Bob chosen an effective method of imparting this information, but the answers themselves are clear and easy to understand.”

— Thomas Nash, Publisher, Acorn Press, Inc.

“Retire without Worry is the perfect title for Bob Reby’s book. I have known Bob for many years, and have always admired his pragmatic and informative approach to financial and retirement planning. This book captures the essence of our many conversations on financial matters. It will help readers understand the issues surrounding investments, taxes, retirement planning, and estate planning, and what constitutes sound financial planning. I recommend it as a resource for anyone who wants to benefit from some of the best advice in the financial services industry.”

— Allen D. Morton, Dean, Ancell School of Business, Western Connecticut State University

“As a CPA and attorney, I’ve read many books and articles concerning financial and legal issues. Inevitably, the question and answer format is the most effective way of communicating technical information to the lay person. Bob has done a fine job of covering the gamut of questions concerning a very complicated subject.”

— John Ryan, Retired Vice President, Taxes, Applera Corporation
(formerly The Perkin Elmer Company)

Reby writes road map to worry-free retirement

Financial planner and retirement expert Robert J. Reby, author of "Retire Without Worry," says despite the plethora of retirement books and advice in circulation, most of us still ask the same questions over and over again about retirement and finances.

One reason, Reby says, is the growing interest and concern in retirement planning issues. Will Social Security survive? What will happen when all the baby boomers retire? Retirement considerations have also gotten much more complex in the last several years. Should I roll over my 401(k) when I leave my job? What is a Roth IRA? Will bonds protect me in a bear market?

Reby, who runs his business in Danbury, has been a guest on CNNfn and CNBC, and featured in Business Week, Fortune, Investor's Business Daily and many other publications. In the book, which will be published in January, he answers more than 250 real-life questions about how to make solid financial decisions. In plain language, he unravels confusing concepts such as deciding on tax-free versus taxable bonds; selecting a Roth IRA over a traditional IRA; how to manage your investments after you retire; and how to select a financial planner.

Other questions include: How, when and why to ride out bear markets, market "corrections" or downturns? What's the difference between a trust and a will? What's the best way for a small-business owner to fund a retirement plan?

"Retire Without Worry" covers the most important elements of finance "stocks, bonds, mutual funds” plus retirement planning, retirement living, estate planning and taxes. A short introduction to each subject is followed by an easy-to-skim Q&A section. Quick tips begin each chapter.

Reby, former host of the popular "Money Sense" radio show and author of a newspaper column of the same name, emphasizes creating realistic expectations of how much one can invest and save, and of how much retirees will earn on investments.

— Fairfield County Business Journal