March 31, 2018

Finance and Retirement Books

Available Now!

From Cradle to Retirement: The Child IRA – How to start a newborn on the road to comfortable retirement while still in a cozy cradle

(Pandamensional Solutions, Inc., 2018)

“Christopher Carosa, a noted publisher and financial author, has come up with a very simple and novel lesson even before kindergarten. It’s the Child IRA which can help a child get started on the road to financial independence. It’s never too early to start.”
– Jerry Kalish, GFS®, President, National Benefit Services, Inc.

If there were a way for every newborn child to retire a multi-millionaire, wouldn’t every parent want to know it?

The concept is quite simple. From the moment the baby is born, you save $1,000 a year in a Child IRA until the baby’s 19th birthday. Then you do nothing. If that money is invested for the long-term and earns 8% (which is 3% less than the average 11% long-term return for stocks), then, when that child retires at age 70, the Child IRA account would have grown to two-and-a-quarter million dollars.

Alas, there’s a catch. There is no such thing as a “Child IRA.” In reality, parents who create a Child IRA today must establish a traditional IRA, but there are restrictions which limit whether a child qualifies. Don’t you think parents want to know what they could do right now to allow their child to benefit from a Child IRA?

Author Christopher Carosa thinks so. A veteran financial journalist specializing in retirement plans and investments, he has interviewed hundreds of people involved in the retirement industry – from people saving for retirement to retirement plan service providers to state and government regulators. These interviews have produced hundreds of stories, articles, and reports published for national audiences by print and digital media outlets. His thoughts and opinions have been sought out and broadcast on various national TV and radio networks.

In From Cradle to Retirement, Carosa expertly pieces together these thoughts and interviews to reveal a practical “How-to” guide for parents, grandparents, and their financial advisers seeking to help young children reap the benefits of the Child IRA. Within this hands-on guide, Carosa weaves the fascinating history the cultural views of retirement in America and the implications these have had on public policy. Finally, and perhaps of greatest interest, Carosa reveals real-world case-studies of people who have created actual Child IRAs for their children. Still more case-studies show how parents have attempted to duplicate some of the Child IRA’s features with other savings vehicles.

Click here to read more about what you’ll discover in Chris Carosa’s From Cradle to Retirement

Would you like to benefit from reading Chris Carosa’s From Cradle to Retirement anytime you want?


Hey! What’s My Number?  – The One Thing Every Retirement Investor Wants and Needs to Know

(Pandamensional Solutions, Inc., 2014)

Cover (Front) 2014.11.18.6-600x900pxRemember that retirement commercial with the huge million dollar (and more) numbers weighing down over peoples’ heads? In real life, those numbers really do weigh down on people. In real life, the weight is so great, folks would rather go into full ostrich mode rather than confront the reality of their own retirement. And that’s too bad, because preparing for you retirement is not as onerous as that commercial implies. There’s a smaller, mathematically equivalent number that’s much easier for folks to chew. In fact, once presented with this number number, people approach saving for their retirement with more enthusiasm if not outright zeal. How does Chris Carosa know? Because he’s seen this happen in real life. He’s been there when employees walk into a 401k education meeting with the weight of the world on their shoulders. He’s watched as, when presented with the same facts from a different perspective, these 401k investors’ dour expressions transform into broad self-satisfied smiles. And now he’s put that same magic into a small, easy-and-enjoyable-to-read book.

Hey! What’s My Number? offers a simple roadmap retirement investors – and their professional advisors – can use to make the journey to retirement more comfortable, more confident and more attainable. Written in a friendly, conversational style, the book mixes a down-to-earth dialog between the author and the reader with the wisdom of some of the nation’s most veteran retirement advisors. Among other things, in it you’ll learn:

  • 4 steps that will change your life
  • 7 simple savings secrets every 401k investor should know
  • A popular 401k “benefit” that may actually hurt your retirement readiness
  • 3 most common mistakes of all retirement investors
  • 3 strategies that are more important than your investment choice
  • How to retire a millionaire
  • And, finally, how to calculate your own unique “number”

Click here to read more about what you’ll discover in Chris Carosa’s Hey! What’s My Number?

Would you like to benefit from reading Chris Carosa’s Hey! What’s My Number? anytime you want?


401(k) Fiduciary Solutions – Expert Guidance for 401(k) Plan Sponsors on how to Effectively and Safely Manage Plan Compliance and Investments by Sharing the Fiduciary Burden with Experienced Professionals

(Pandamensional Solutions, 2012)

401k_fiduciary_solutions_front_cover_finalFamed blogger (ranked #1 by The Wall Street Journal) proclaims 401(k) Fiduciary Solutions as “a vital reference tool for years to come.” Given his years as a journalist in the financial industry, together with his rare insider’s knowledge of the field only a veteran practitioner can possess, Christopher Carosa has produced an important work to help guide, educate and, yes, even at times, entertain professional fiduciaries and retirement plan sponsors. Considered by many as a veritable bible for those responsible for corporate 401k plans, 401(k) Fiduciary Solutions explains it all in an approachable manner that will appear to busy executives. Well regarded industry commentator Harold Evensky calls 401(k) Fiduciary Solutions “a treasure trove of practical and invaluable  information and insights for plan sponsors and financial advisors to 401(k) plans. If you wear either of these hats you MUST read this book.”

Click here to learn more about Christopher Carosa’s 401(k) Fiduciary Solutions.

Would you like to benefit from reading Chris Carosa’s 401(k) Fiduciary Solutions anytime you want?




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