A complete action plan to help you make sure your 401(k)s, IRAs, and retirement savings aren’t depleted by taxes by the time you need to use them.

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About the Book

If you’re like most Americans, your most valuable asset is your retirement savings. We diligently put money away for years, yet most of us don’t know how to avoid the costly mistakes that can occur when it comes time to use it. A good chunk of your money can be lost needlessly to taxes unless you plan ahead.

The New Retirement Savings Time Bomb, by America’s IRA Expert Ed Slott, shows you in clear-cut layman’s terms how to take back control over your retirement savings and your financial future. The ticking tax bomb is coming! But this easy-to-follow guide can help you avoid the latest traps set out by Congress and show you how to structure your retirement savings so you can have more, keep more and make it last, no matter what. This book is required reading for every American with savings and investments planning to retire—be it five years from now or fifty.


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Virtual Book Launch Party


In case you missed it, here is our launch night celebration featuring special media guest Jill Schlesinger, CFP®, an Emmy-nominated and Gracie Award-winning Business Analyst for CBS News. Jill appears on CBS radio and television stations nationwide, covering the economy, markets, investing and anything else with a dollar sign. She is the host of the Jill on Money podcast and nationally syndicated radio show, which won the 2018 Gracie Award for Best National Talk Show.


In the News:

Forbes: 5 Steps To Defuse The Retirement Savings Tax Time Bomb

HerNews: IRAs: Everything you need to know

The Street: The New Retirement Savings Time Bomb

Morningstar: Keep these things in mind during tax season: 2020’s not over—at least when it comes to taxes

The Motley Fool: Protect Your Retirement Accounts from Uncle Sam

USA Today/Arizona Republic: “Not all your money belongs to you” Profits are rising in IRAs and 401(K)s but so are future taxes

Stacking Benjamins Podcast: Defusing the Time Bomb in Your Retirement Savings (with IRA Expert Ed Slott)

401K SPECIALIST: Ed Slott Diffuses ‘The New Retirement Savings Time Bomb’

Your Money Map with Jean Chatzky and Special Guest Ed Slott

Barron’s: Ed Slott: Why Taxes Are Advisors’ ‘Ultimate High-Value Opportunity’

Jill on Money: Tax Season Tips with Ed Slott

The New York Times: Tips for Getting Your Financial Life in Order in Hard Times

FORBES: IRA Guru Ed Slott On Taxes, Retirement & Roth IRAs

THINKADVISOR: Ed Slott on RMDs, Backdoor Roths and the Death of the Stretch IRA

Advisor Perspectives: How to Avoid the IRA Tax Time Bomb

InvestmentNews: 2021 Retirement Strategies: A Fireside Chat with Ed Slott

Arsenal of Additional Resources


What the Media is Saying:

“I think this should be required reading for anyone who has an IRA or opening an IRA!”

— Jean Chatzky, host of HerMoney, financial editor of NBC Today, Financial Ambassador for AARP


“An accountant with a sense of humor . . . Even though the subject is dry and the book is forced to deal with seemingly impenetrable I.R.S. language, Mr. Slott works hard to make it all accessible.”

— The New York Times


“Ed Slott is my go-to person for smart tax-saving advice on retirement plans. Right now, people planning for retirement especially need his help. Congress has passed a slew of new laws affecting your personal tax-favored plans, some of which make them less secure. This book shows you how to wring all the tax benefits possible from your plans, including smart ways of passing any remaining money to your heirs. Highly recommended!”

— Jane Bryant Quinn, author of How to Make Your Money Last: The Indispensable Retirement Guide


“Ed Slott is the go-to expert on IRAs in an era when legislative and regulatory changes are popping up as fast and furious as a whack-a-mole game. Arm yourself with the latest insights on how to protect future retirement savings by making tax-savvy moves today.”

— Mary Beth Franklin, CFP®, Contributing Editor, InvestmentNews


“Ed Slott is my go-to resource on the nuances of tax and retirement planning. His no-nonsense style makes the dizzying changes in the rules and laws surrounding these often-confusing topics understandable and more importantly, actionable.”

— Jill Schlesinger, CFP®, CBS News Business Analyst


“If you need to understand the ins-and-outs of retirement, look no further than this book by Ed Slott. He is the go-to expert for reporters and media folks like myself. When I have a question, I call Ed!”

— Erin Arvedlund, author of Too Good to Be True: The Rise and Fall of Bernie Madoff, and financial writer, Philadelphia Inquirer


“If you’re planning for or living in retirement, this book is required reading. Ed Slott is among the most trusted and knowledgeable retirement experts in the United States and the insights you will gain from reading this book will be invaluable. You’ll learn how to create tax-efficient retirement income, take advantage of the most recent tax laws, as well as pass on more of your hard-earned wealth to your loved ones. The world is filled with those who proclaim to be retirement experts, but Ed Slott is truly that – an expert who deserves your time and attention.”

— Robert Powell, editor of Retirement Daily and TheStreet, USA Today columnist, editor of Retirement Management Journal and host of Exceptional Advisor podcast


“Congress has turned retirement savings into a quagmire of laws, regulations and acronyms that can serve as tax traps or opportunities. When advisers and journalists need help understanding the latest complexities, they often turn to Ed Slott, who can explain them with care and flair.”

— Christine Benz, Director of Personal Finance, Morningstar, Inc.


“Retirement planning is more complicated than it ought to be, but that’s where Ed Slott comes in. He has a knack for providing tax- and retirement-planning guidance that’s easy to understand, up-to-the-minute current, and–dare I say it?—fun. This book will be an indispensable part of many retirees’ toolkits.”,

— Kathleen Pender, business columnist, San Francisco Chronicle


“Ed Slott’s advice could save your retirement plan from something worse than a Bear Market—the tax collector!”

— Terry Savage, author of The Savage Truth on Money and nationally syndicated personal finance columnist.


“If you have questions about IRAs or other retirement plans, you’ll find every last answer in this easy-to-understand and hugely informative book. Ed Slott is truly Mr. IRA.”

— Lynn O’Shaughnessy, author of The Retirement Bible


“If you have assets in a retirement plan The NEW Retirement Savings Time Bomb will save you money.”

— Natalie B. Choate, author of Life & Death Planning for Retirement Benefits: The Essential Handbook for Estate Planners


“Unless you consider cat food a viable dinner option, it’s wise to take action now to bulletproof your retirement assets. Sooner or later, we pay taxes. But why allow your retirement savings to become a windfall for Uncle Sam when the money should go to you and your heirs? Slott’s book will show you how to keep your cash all in the family.”

— USA Today