The Book

 …how to make the most out of retirement by ensuring that your dollars go as far as possible

— Wade D. Pfau, PhD, CFA, RICP, professor of retirement income at The American College and founder of

12 Ways to Retire on Less: Planning an Affordable Future

Rowman & Littlefield, May 2021

Learn how to save and prepare for retirement no matter your age or your income. 12 Ways to Retire on Less offers a roadmap for anyone seeking financial security and peace of mind for their retirement years ahead, regardless of savings or income in the present moment. In a time when fewer retirees have the kind of pension many of their parents had, those looking to retire can be especially vulnerable. But here, the author outlines those steps people can take to ensure their security and enjoy those activities they look forward to in the future. Offering case studies and actionable steps in the form of bullet points, questions and lists, the book focuses on the importance of planning and analyzing one’s total financial picture in the context of goals, hopes, and dreams.

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