Walter C. Young III, MBA, RICP & Peter G. Bielagus
Today You Have Choices to Secure Your Retirement
Do you often worry about your future and the state of your retirement, fearing that you’ll find out that you actually don’t have as much money as you would like to retire with? The 5th Option is the must-read book for anyone determined to find practical and sensible solutions for a stress-free retirement. Wherever you are in the retirement planning stage, you will learn the secrets to retiring comfortably without having to deal with the frustratingly outdated options of saving more, working longer, risking more, or settling. Told in parable, The 5th Option outlines current retirement philosophies and why many of them fall short over time while also helping you to reach your goals without having to sacrifice your dreams.
In this journey to retirement readiness, following along Michael and Jill's path to financial security, you will attain:
• A game plan grounded in the latest retirement research where you will learn to become better prepared against the biggest dangers for your financial future.
• Multiple pathways to safeguard safe, predictable, and plentiful income
• Greater understanding of how you can optimize your investments with actuarial science
• And so much more
When readers calculatingly strategize the allocation of their money using authors Walter C. Young and Peter Bielagus’s expert advice, they are guaranteed a plan that will have them retiring simply instead of simply retiring.
Walter C. Young III, MBA, RICP®, is president of One Strategic Capital, a boutique 401(k) and financial-planning firm in Bainbridge, Washington. He began his career in the financial-services industry in the early 1990s, serving as a portfolio and 401(k) advisor in San Francisco. After earning his MBA, Walter took a break from financial services and worked for Deloitte Consulting. There he began to see that financial strategies implemented by the best run corporations emphasized reducing overall risk and opportunity cost, while maximizing cash flow for shareholder value. He immediately realized that individual households would benefit greatly by the same strategies. If individual households have a cash-flow focus, the efficiencies they gain may very well determine their financial success.
Since that time, Walter has developed a signature approach that puts these lessons at the forefront of strategies for individuals and small business owners. His blend of individual and corporate financial experience has produced a unique way at looking at an individual’s financial situation. He begins every relationship with the same question: “If you were a business, would you invest in you?”
Walter has become a specialist in economic-based planning theory and a thought leader, helping clients develop a cash-flow-centric strategy that helps them have better retirement income streams. Walter is an industry speaker, both nationally and internationally, as well as a trainer, panel advisor, and recipient of numerous awards. He has served on the board of advisors for industry systems and is a regular contributor to the advancement of cash-flow-centric planning modules. Walter is married with three children and lives in the Seattle area. He enjoys traveling, running, and being an active member in his community.
Peter G. Bielagus has been an author and a professional speaker for more than 15 years. He has written three books on personal finance, including his most recent book, Why Bother: How The Worst Pickup Line of My Life Changed My Financial Future and How It Can Change Yours Too.
He has delivered more than 1,000 speeches on money management to college, corporate, and military audiences. Peter has spoken in 49 states (all except Alaska) and eight countries. He has even given presentations on military ships at sea.
Peter’s past clients include the United States Military, Zappos.com, and Harvard Law School. A frequent guest of the media, he has appeared in the Wall Street Journal, USA Today, and the Miami Herald. He even has his own YouTube Show, “Money in the Movies,” which is a personal finance show that uses favorite movies to teach financial lessons.
He lives in Portsmouth, New Hampshire.
