The following materials are copyright © 2008 by Paul A. Grangaard.  They can be used and/or reproduced with written permission.  To obtain permission, please email paul@pagrangaard.com with your contact information, which article(s) you want to use, and how and when you plan to use it/them.  Permission will be granted via return email.  Please—you must get permission prior to using any of these materials.

6.6 Percent Retirement Income Solution™ .pdf (22 pages)

Managing Money During Retirement - A New Way to Navigate Changing Realities.pdf (11 pages)

High-Tech or High-Touch: As Always, the Answer is Balance.pdf (6 pages)
(This article won the award for "Best Paper - The Case for Workplace Financial Education" at the Personal Finance Employee Education Best Practices and Collaborations National Conference, sponsored by the National Institute for Personal Finance Employee Education and Virginia Polytechnic Institute and State University.)

Don’t Outlive Your Money.doc (870 words)
Don’t Outlive Your Money.pdf (870 words)

Twelve Principles of 21st-Century Retirement Investing.doc (731 words)
Twelve Principles of 21st-Century Retirement Investing.pdf (731 words)

Why Are So Many Retirees in Financial Trouble.doc (738 words)
Why Are So Many Retirees in Financial Trouble.pdf (738 words)

You Have to Plan to Live Longer in Retirement.doc (723 words)
You Have to Plan to Live Longer in Retirement.pdf (723 words)

A Better Way to Manage Money During Retirement.doc (1159 words)
A Better Way to Manage Money During Retirement.pdf (1159 words)

Are You Getting the Income You Deserve.doc (1226 words)
Are You Getting the Income You Deserve.pdf (1226 words)

The Benefits of Sound Retiement Income Planning.doc (1237 words)
The Benefits of Sound Retiement Income Planning.pdf (1237 words)

A Comparison of Retirement Income Strategies.doc (1228 words)
A Comparison of Retirement Income Strategies.pdf (1228 words)

Potentially Higher Returns With Less Risk in Retirement.doc (1067 words)
Potentially Higher Returns With Less Risk in Retirement.pdf (1067 words)

The Importance of Average Annual Returns.doc (1327 words)
The Importance of Average Annual Returns.pdf (1327 words)