Rocklin advisor publishes retirement income guide

Rocklin financial advisor Jim Kersey has published a new book aimed at helping pre-retirees and retirees turn savings into lifelong income. The guide focuses on retirement income planning, post-retirement risks and common mistakes as older Americans face the shift from accumulating assets to using them.

Why it matters: - Retirement planning changes once paychecks stop. Kersey's book targets the harder phase: converting savings into income that can last. - The guide is written for pre-retirees and retirees in the Greater Sacramento area and beyond. - The book aims to help readers avoid mistakes that can be difficult, or impossible, to undo after retirement begins.

What happened: - James “Jim” D. Kersey, founder of Lighthouse Financial & Tax in Rocklin, published Your Retirement Sherpa: A Practical Guide to Building Reliable Income for Life. - The book is designed as a plain-language guide for people moving from saving money to living on it. - Kersey has more than 40 years of advising experience in the Greater Sacramento region.

The details: - The book focuses on retirement income planning instead of accumulation. - It walks readers through the risks that matter most after the last paycheck. - It covers common mistakes Kersey says he has seen trip up careful savers. - Kersey said the book is meant to be practical rather than theoretical and to avoid industry jargon. - Kersey's credentials include CLU®, ChFC®, RHU® and REBC®. - Kersey said, "I've spent a lot of time in the mountains, and climbers learn early that the summit is only the halfway point. Most accidents happen on the way down. Retirement often works the same way. Getting there took discipline, but the descent, turning your savings into reliable income, is where I believe people need a guide the most. I wrote this book to be that guide." - Kersey said he chose the title as a nod to mountain guides who make difficult terrain passable. - The book is available on Amazon at the book listing.

Between the lines: - The release reflects a broader shift in retirement advice from asset growth to income durability. - Kersey is positioning himself as a guide for a stage of planning that can be more consequential than accumulation. - Lighthouse Financial & Tax says its approach is client-first and grounded in education, with a focus on retirement income, taxes and planning.

What's next: - Readers can purchase the book now. - Lighthouse Financial & Tax directs prospective clients to lighthousefinancialtax.com for more information. - The firm says it serves pre-retirees and retirees throughout the Greater Sacramento area.

The bottom line: - Kersey's new book is built for the moment when retirement planning becomes retirement distribution: turning a nest egg into income people can rely on for life.