In Positioning 4 Retirement, Mark Cardoza has shown an outstanding ability to demonstrate clearly to the reader the need for retirement planning and the many choices available when undertaking such an activity. Mark writes insightfully about the need for preparing for retirement while focusing on the potential pitfalls involved and related choices and modifications that may be required with respect to maximizing the value of income and assets and minimizing taxes. The author explains the necessity for the selection of an independent team of experts when the time comes for retirement planning and convincingly indicates, it cannot come too soon in one’s lifetime. He properly emphasizes that each person does indeed have individualized objectives and needs when undertaking such planning. He explains the concept of qualified funds and non-qualified funds with clarity at the beginning of the manuscript and expands upon their meaning, use, and interacting properties throughout the text.
The author classifies financial products into proper categories throughout the text and defines and discusses annuities with clarity. The time-value of money concepts are included in the illustrations. The worksheets and spreadsheet add a wonderful dimension to the text and contribute to a clearer understanding of difficult concepts.
It is with great pleasure that I most highly recommend this outstanding text.
Positioning 4 Retirement is an excellent analysis of the pros and cons of having a retirement plan. Mark Cardoza has written the only treatise I know of that discusses the hazards and potential pitfalls of having a qualified retirement plan. This book should be read by everyone who has an IRA, 401(k), Contributory or Defined Benefit Pension Plan, or a Roth IRA. Well worth the reading.
In my fifteen years as an advisor consultant, I haven’t seen a more comprehensive retirement planning book than Positioning 4 Retirement.
Positioning 4 Retirement is an excellent guide for navigating the various issues encountered when preparing for retirement. Mark Cardoza masterfully presents important pre- and post- retirement information, case studies, and pertinent examples in an easy-to-read manner. Review questions at the end of each chapter provide the reader with a powerful tool to check understanding of the material. I have read many books related to investing and retirement. This book is by far the easiest and most comprehensive I have read..
Mark Cardoza has done a wonderful job of explaining the often difficult to understand subject of money management. His style is both interesting and informative, and I especially like the way he aligns his website with the book..
As a person quickly approaching retirement, I thought my savings and investment portfolio was right on track. After reading Positioning 4 Retirement, I realized my understanding was quite inadequate. The concepts of planning strategies, impact of taxes, and the vulnerability of my funds were an eye opener. Wish I’d had this valuable information twenty years ago..
Funny how we all think we have this topic understood and covered … well, until you read this book. People who are currently preparing for their future and retirement or who have already been investing need to read Positioning 4 Retirement. Mark has an acute awareness and knowledge of the need to understand fully all that is needed in a successful retirement. This truly was educational for me, and I couldn’t put the book down. Makes you wonder what else we are missing.
I was impressed by the breadth and depth of the information and picked up a few nuggets that I wasn’t aware of before. Mark’s explanations are easy to consume, and I can see myself educating others. I will come back to this as reference.
Positioning 4 Retirement is an indispensable write-up of personal investments, retirement, tax lien investing, and more. Mark makes a complex subject clear and simple. The book is a pleasure to read and shows you how to approach investing in ways I have just not seen covered before. This is required reading for anyone interested in retirement and financial help..
Mark has hit a home run with Positioning 4 Retirement. He provides a wealth of information that will help guide anyone with his or her individualized retirement plan. After completing the worksheets and spreadsheet, you’ll know exactly how well you’re positioned for your own retirement..
Very informative and clearly written. Easy to focus on those areas that apply to your situation with ample references for deeper research. Nicely provides the key perspectives of investing, tax management, long-term health care, and estate planning and the need for a full team of resources to cover all of the bases. Qualified versus non-qualified plans and their impact on retirement tax management are particularly well presented. Good examples are given based on personal experience.
I would definitely recommend this book, especially for those who can get a head start on their retirement planning, e.g., people in their early forties.