Financial and Life Planning Resource Directory

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Money: Retirement planning
Consumers/clients
Advisers
	Adams, Gary A., and Rau, Barbara L., "Putting Off Tomorrow to Do What You Want Today: Planning for Retirement", American Psychologist, April 2011 (Vol. 66, No. 3)
		http://psycnet.apa.org/journals/amp/66/3/180/ Adams and Rau conclude that although psychology has begun to play a role in understanding and addressing retirement preparation, there are considerable opportunities for psychologists to engage with this issue in their research and applied work.
	Coe, Norma B., and Haverstick, Kelly, How Can Customized Information Change Financial Plans?
		Boston College Center for Retirement Research, March 2011, Free http://crr.bc.edu/images/stories/Briefs/IB_11-4.pdf Coe and Haverstick found that tailored advice led about two-thirds of people to change their plans.
	Liebman, Jeffrey B., and Lutt, Erzo F.P., Would People Behave Differently If They Better Understood Social Security? Evidence from a Field Experiment
		National Bureau for Economic Research, August 2011, Free http://www.nber.org/papers/w17287 In their experiment, sending an informational brochure and an invitation to a web-tutorial produced a modest but statistically significant increase in delayed retirement, compared to a control group, especially among women.
	Melzer, Mendel A., andLeinenbach, Julie, Evaluation Scorecard for Retirement Income Products
		Institutional Retirement Income Council, May 2011, Free http://iricouncil.org/docs/Evaluation%20Scorecard%20for%20Retirement%20Income%20Products.pdf Melzer and Leinenbach of The Newport Group propose a set of five criteria for evaluating products intended to provide lifetime retirement income to plan members.
	National Survey of 800 Americans age 60-74
		Thrivent Financial for Lutherans, Summer 2008 http://news.thrivent.com/newsroom/news/index.phtml?id=486 Notice of results, reporting that while most people who get financial advice for their retirement years have been very happy that they did, most older consumers say they do not want this kind of help.
	Schultz, Kenneth S., and Wang, Mo, "Psychological Perspectives on the Changing Nature of Retirement", American Psychologist, April 2011 (Vol. 66, No. 3)
		http://psycnet.apa.org/journals/amp/66/3/170/ Schultz and Wang emphasize how psychologists understand and research retirement, more than on how to help clients cope with it.
	Yanikoski, Charles S., "Integrated Financial Planning for People Facing Retirement", Integrative Adviser, October 2008 (Vol. 1, No. 2)
		www.aiflp.org/pdfs/IntegrativeAdviserNo0103.pdf, Free Yanikoski argues that current tools for financial planners, especially those serving older clients, are not sufficiently comprehensive, detailed, and integrated.
Industry / vendors / associations
	Biggs, Andrew G., Will You Have Enough to Retire on?: The Retirement Security 'Crisis'
		Social Science Research Network, February 11, 2009 http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1347133 Biggs's analysis suggests that most people will indeed have enough to retire on, and that while policymakers should work to strengthen Social Security and private pension savings, talk of a crisis in retirement income preparedness appears premature.
	Mining the Retirement Income Market
		Deloitte LLP, May 2009, Free http://www.deloitte.com/dtt/cda/doc/content/us_fsi_MiningRetirementIncomeMarket_May09.pdf This paper examines the size and characteristics of the retirement income market, highlights innovation opportunities, assesses the competitive landscape, and lays out action steps that financial services companies across sectors should consider taking.
	Yanikoski, Charles S., Nine Keys to Winning Baby Boomer Assets in Retirement
		Honor Publications, 2007, $7.50 http://www.stillriverretire.com/SRRPS_NineKeys.asp Nine Keys is the first book to focus exclusively on corporate strategies for the 'retirement income' market. It addresses a wide range of issues that will be central to success in this market, with emphasis on those that have been either neglected or over-emphasized in most strategies to date.
Other / general / not specified
	Appleby, Denise, CEO, Appleby Retirement Consulting Inc.
		Designations: CRPS,CISP,CRSP,CRC,APA Active in: USA 253 Silvertop Drive, Grayson, GA 30017 Telephone:973-313-9877 Fax:888-524-3120 Denise@applebyconsultinginc.com http://www.applebyconsultinginc.com Provide to financial service professionals and institutions, regarding IRAs, defined contribution plans and 403(b) plans: technical consulting; content for newsletters, brochures and other written material; training via teleconferencing and webinars; PowerPoint presentations with speaking.
	Cooperstein, Steve, Implications of the Perceptions of Post Retirement Risk for the Life Insurance Industry: Inside Track Marketing Opportunity
		Society of Actuaries, March 2011, Free http://retirementincomejournal.com/upload/567/Cooperstein_Paper.pdf This massive paper is geared toward life insurance company marketing and product development people, but is one of the best overall sources on the background of the “retirement income” business, including ideas that have been tried as well as new ideas that might be tried.
	Retirement Dictionary (Appleby Retirement Consulting Inc.)
		http://www.retirementdictionary.com Offers definitions, general information, legal citations, tutorials, links to products and services, and other retirement-related reference material.