ABSTRACT
Introduction ....................................................................................................................................449 Physician Statistics .........................................................................................................................449 How Much Money Do You Need to Retire? .................................................................................. 450
Planning Issues: Early Career ................................................................................................... 450 Planning Issues: Mid-Career ..................................................................................................... 451 Planning Issues: Late Career ..................................................................................................... 451
What Is Your Retirement Cash Flow Plan? .................................................................................... 451 What Needs to Be Considered in a Retirement Cash Flow Plan? ............................................. 451
Income Sources .................................................................................................................... 451 Your Expenses ...................................................................................................................... 452 Planning Assumptions .......................................................................................................... 452 Estate Planning ..................................................................................................................... 453
Determining Retirement Vision ..................................................................................................... 453 Planning Issues: Early Career ................................................................................................... 454 Planning Issues: Mid-Career ..................................................................................................... 454 Planning Issues: Late Career ..................................................................................................... 454
Staying on Track ............................................................................................................................ 454 Planning Issues: Early Career ................................................................................................... 454 Planning Issues: Mid-Career ..................................................................................................... 455 Planning Issues: Late Career ..................................................................................................... 455 Monitoring Your Progress ......................................................................................................... 455
What If You’re Behind Your Target for the Year? ................................................................. 455 What If You’re Ahead of Your Annual Goal? ....................................................................... 455 How Should I Be Monitoring My Investments? .................................................................. 455 What Is a Safe Withdrawal Rate from Retirement Assets? .................................................. 456
Maximizing QRP Contributions .................................................................................................... 457 How Can I Benefit from an Employer-Sponsored Plan? .......................................................... 458 What Are the Most Important Features in My Employer’s Retirement Plan? .......................... 458
Who Is Eligible to Participate? ............................................................................................. 458 Does the Employer Match? .................................................................................................. 458 What Is Vesting and How Does It Affect Me? ..................................................................... 459 Are Loans Available? ........................................................................................................... 459 Withdrawals While Still Working for the Same Employer .................................................. 459
What If I’m the Owner? Should I Sponsor a Retirement Plan? ................................................460 New Tax Thresholds for Married Filing Jointly in 2014 ......................................................460
