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The Big Retirement Risk: Running Out of Money Before You Run Out of Time Hardcover – January 1, 2012

43 customer reviews

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Editorial Reviews

From the Inside Flap

Are you retired or preparing to retire? Is there a chance that your retirement lifestyle could be negatively impacted by fluctuations in the stock market? Are you relying on some magic number for financial security? Do you ever worry about running out of money?

If the answer to any of these questions is yes, this book is for you. Given today's uncertainties--market risk, inflation risk, longevity risk, and the murky future of Social Security and Medicare--everyone is concerned and everyone wants to know what to do.

In The Big Retirement Risk, author Erin Botsford offers an entirely new way to think about money, investing, and retirement planning, called "Lifestyle Driven Investing™." She first exposes some of the common myths of Wall Street and explains why the traditional methods of investing may not work in the days ahead, and then she shows you how to craft an investment strategy to help protect your retirement lifestyle in good economic times and bad.

Erin's journey, rising from a life of poverty and overcoming enormous adversity to become one of America's top financial planners, gives her the insight and perspective to guide you through the current economic landscape and beyond. The Big Retirement Risk shares Erin's knowledge and experience so you can avoid running out of money before you run out
of time.

From the Back Cover


" Erin Botsford gets it! She understands what drives the financial markets and has found investment strategies that support her clients' retirement lifestyles in up, down, and flat market conditions. In view of the current condition of our global economy, this book should be read by anyone serious about protecting his or her lifestyle in retirement. No wonder the industry calls her 'The Great Protector'!"
-- Harry S. Dent Jr., founder and CEO of HS Dent; author of the New York Times bestseller The Great Depression Ahead and The Great Crash Ahead

" Erin Botsford delivers in The Big Retirement Risk. This straightforward, easy-to-read book outlines an entirely new way to think about money and investing for retirement. It will forever change how you think about your financial future."
-- Robert Allen, entrepreneur and author of the bestsellers Nothing Down, Creating Wealth, and Multiple Streams of Income

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Product Details

  • Hardcover: 200 pages
  • Publisher: Greenleaf Book Group Press (January 1, 2012)
  • Language: English
  • ISBN-10: 1608322483
  • ISBN-13: 978-1608322480
  • Product Dimensions: 8.8 x 5.8 x 0.9 inches
  • Shipping Weight: 12 ounces (View shipping rates and policies)
  • Average Customer Review: 4.1 out of 5 stars  See all reviews (43 customer reviews)
  • Amazon Best Sellers Rank: #836,166 in Books (See Top 100 in Books)

More About the Author

Erin Botsford is the founder and CEO of The Botsford Group, a boutique financial planning firm with offices in Frisco, Texas, and Atlanta, Georgia.

Erin's firm specializes in investment, asset protection, and estate planning for retirees and those planning for retirement. Among the top echelon of financial advisors, she is considered a thought leader on twenty-first-century investing, risk management, and retirement.

Erin's personal story of overcoming poverty and adversity in her early life to become one of the top financial planners in the country has been featured
in numerous articles and publications. Her business success has been recognized by publications such as Barron's magazine, D magazine, Success magazine, and, and she has made television appearances on CNBC, Fox News,
and Bloomberg Television.

Erin resides in McKinney, Texas, with her husband, Bob, a pilot for American Airlines. She has one son, Kevin, who is currently serving as a captain in the U.S. Air Force

Customer Reviews

Most Helpful Customer Reviews

39 of 42 people found the following review helpful By Nanci Cartwright on April 11, 2012
Format: Kindle Edition Verified Purchase
I saw this author on Consuelo Mack's program. Since the kindle version was under $8 I gave it a whirl. She gives very clear explanations of the various investment vehicles out there, and is especially good at explaining the various bond instruments. But come on! The average 61 year old like me, doesn't have, nor will have, millions to see them through retirement. $150,000 yearly income after retirement? I don't even spend $40K a year now and I live in a decent home, underwater though it may be, drive a decent car, make better than average money and save all I can in my 401K but I estimate that I will retire with $350K in my retirement fund. I felt pretty secure about that until I read this book. And she says she doesn't like publicly traded REIT's, but how else does the small potatoes investor like me allocate funds to privately held, non listed REIT's?

I keep hoping to find the kind of book will offer good advice for those of us in the 99% who will have a modest retirement but a good one nonetheless. It seems that we are still on our own. If you know nothing about investing, you can learn something from this book. However, unless you have a bundle to invest, look elsewhere for information that you can use. I have unlimited choices for my 401K because my employer allows us to use a brokerage account in addition to what they offer in our 401K, but where's the advice for those who have limited investment choices in their 401K's? Read up on lazy man investment choices and match those the best you can. That's what I've done with my grandkids college 529s with their limited investments and that's working out decently.

One last thing. There is shameless plugging of her website in the book, but not much useful information there for the reader. I think this book is a marketing tool to get those who have the money to come to her website and decide to purchase her services.
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30 of 35 people found the following review helpful By Charles Lewis Sizemore, CFA on January 29, 2012
Format: Hardcover
The financial planning industry has no shortage of voices offering advice. Unfortunately, they all tend to say the same thing, and it's not what most investors need or want. In fact, it's often the exact opposite.

Above all, most investors want security. They want to know that the nest egg they've spent a lifetime building will be there when they need it. Somewhere along the way, the financial planning industry lost sight of this and turned the profession into something resembling a Las Vegas casino. The retirement hopes of millions of Americans depend on the stock market rising ever higher. Yes, the same stock market that lost half of its value during the 2007-2009 meltdown and had negative returns after inflation over the past decade.

Erin Botsford is a refreshing voice of prudent common sense, and her new book The Big Retirement Risk should be required reading for every financial planner in America. Clients would be well served if their planner used it as an instruction manual. Individual investors--particularly the 77 million American Baby Boomers fast approaching retirement--will also find its insights valuable.

If there is one dominating focus in Erin Botsford's financial practice, it is risk. The identification and elimination of risk is something of an obsession for Botsford, and this is not merely an academic exercise for her. As a woman whose early life was marked by tragedy, she has the instincts of a survivor and does a fine job of translating those instincts into actionable financial advice.

The "big retirement risk" that Botsford warns against is running out of money before you run out of time, and Botsford's perspective here is unique. As a young girl, she witnessed it happen to her own family.
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10 of 10 people found the following review helpful By Mike Branch on May 29, 2012
Format: Hardcover Verified Purchase
I have never met Erin Botsford. I am not a pilot. And I do not live in McKinney, TX. (Read the negative reviews and you will see what I am referring to here.) Although I wish Erin Botsford great success in her book, it makes no difference to me if the book sells or not.

However,I am a Certified Financial Planner with 20 years experience working with clients and managing money, and I agree with Erin's basic investment philosophy. If fact, it reminds me of the common sense advice my grandmother used to give me when I was younger: Don't risk what you can't afford to lose.

When it comes to retirement you cant afford to lose the income sources you need to meet your basic financial needs. One of the biggest risks today is that you outlive your retirement income. With today's volatile markets, an aging baby boomer population with high lifestyle expectations, and improved medical care, that's not hard to do.

"The Big Retirement Risk" offers straight forward and practical information to help you create a retirement income that is predictable and reliable. All investing entails risk and trade offs. The book does a good job of detailing the basic pros and cons - the risks and trade offs - of various investments. It doesn't go so far as to say exactly what you should do. Everyone is different. There is no one investment strategy or philosophy that will work for everyone or in all circumstances, but "The Big Retirement Risk" does provide a framework for making decisions as people plan for and enter into their retirement years.
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