The Retirement Answer: The Six Key Decisions Every Retiree Needs to Make

Are you worried about your financial future in retirement? You're not alone.

Sixty-four percent of Americans are more afraid of running out of money in retirement than death.

Drawing on 35 years of experience, bestselling author and financial advisor Daniel Goldie offers you the solutions to all your questions in The Retirement Answer.

Packed with personal stories and anecdotes, this is an essential guide to overcoming the roadblocks of retirement planning, such as the fear of running out of money. It also provides practical tools like an Annual Retirement Checklist to make sure you stay on track.

The Retirement Answer focuses on the six critical decisions every retiree needs to make:

- The Timing Decision: Discover not just if you can retire, but if you should retire, by weighing the financial and personal trade-offs involved.
- The Social Security and Medicare Decisions: Learn how these programs work so you can maximize your benefits and avoid costly, lifelong penalties.
- The Distribution Decision: Learn how to create a sustainable, tax-efficient income stream from your investments that will last a lifetime.
- The Investment Decision: Make prudent investment decisions by understanding how markets work and how to manage risk in retirement.
- The Legacy Decision: Define and plan for the financial and personal legacy you wish to leave for your family and community.

Whether you're planning for retirement or already there, it is never too late to learn these essential concepts and confidently prepare for your future.

The Retirement Answer provides the knowledge for a successful, financially stable life after work.

(Statistic from 2025 Allianz retirement study.)

Author: Daniel C. Goldie
Publisher: Harriman House
Published: 09/29/2026
Pages: 256
Binding Type: Paperback
Weight: 0.70lbs
Size: 8.90h x 6.00w x 0.70d
ISBN: 9781804094471

About the Author

Daniel Goldie is a Senior Wealth Advisor with Focus Partners Wealth, one of the largest fiduciary advisory firms in the United States. He holds a BA in economics from Stanford University and an MBA from U.C. Berkeley's Haas School of Business. He is a CFA(R) charterholder and a Certified Financial Planner(TM) and has been frequently recognized by Barron's as one of the nation's top financial advisors.

Goldie co-authored The Prudent Investor's Guide to Beating Wall Street at Its Own Game and The Investment Answer. He is also the author of The Retirement Answer which aims to help readers navigate the financial decisions surrounding retirement. He began his investment career in 1991 after retiring from the ATP Tour, where he was a Wimbledon quarterfinalist and won four professional titles. A former NCAA men's singles champion for Stanford, he has been inducted into the Intercollegiate, Northern California, and Stanford Sports Halls of Fame.