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The Journal of Retirement

The Journal of Retirement

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Article

Developing and Disseminating Financial Guidelines for Retirement Planning

William G. Gale and Benjamin H. Harris
The Journal of Retirement Fall 2013, 1 (2) 113-127; DOI: https://doi.org/10.3905/jor.2013.1.2.113
William G. Gale
is the Arjay and Frances Fearing Miller Chair in Federal Economic Policy at the Brookings Institution in Washington, DC. wgale@brookings.edu
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Benjamin H. Harris
is a fellow at the Brookings Institution in Washington, DC. bharris@brookings.edu
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Abstract

Financial planning and decision making for retirement are challenging tasks. The effects on retirement finances of expected health-care costs, tax-based preferences for retirement saving, retirement benefits, housing values, and asset allocation mean that many retirees must play the roles of—or at least assess the advice from—doctor, accountant, realtor, and stockbroker. Retirees’ financial planning efforts are often hampered by lack of basic financial literacy, confusing or misleading financial products, high levels of debt, and the additional burdens of dependent adult offspring or advanced-age parents. There is substantial evidence that older households often lack financial literacy and often make poor financial choices, which can result in real economic hardship. The authors discuss criteria for developing and disseminating a single, comprehensive graphic to retirees and near-retirees to help bolster financial acumen and security.

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The Journal of Retirement: 1 (2)
The Journal of Retirement
Vol. 1, Issue 2
Fall 2013
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Developing and Disseminating Financial Guidelines for Retirement Planning
William G. Gale, Benjamin H. Harris
The Journal of Retirement Oct 2013, 1 (2) 113-127; DOI: 10.3905/jor.2013.1.2.113

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Developing and Disseminating Financial Guidelines for Retirement Planning
William G. Gale, Benjamin H. Harris
The Journal of Retirement Oct 2013, 1 (2) 113-127; DOI: 10.3905/jor.2013.1.2.113
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  • Article
    • Abstract
    • THE NECESSITY FOR GOVERNMENT GUIDANCE
    • EXISTING PUBLIC EFFORTS
    • LEVERAGING A FINANCIAL GRAPHIC
    • CONCLUSION
    • ENDNOTES
    • REFERENCES
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