Bob Carlson is editor of the monthly newsletter and website Retirement Watch, which he founded in 1991. He also serves as chairman of the board of trustees of the Fairfax County Employees’ Retirement System and is the author of numerous books, including “Where’s My Money?” and “The New Rules of Retirement.” His latest book is “Retirement Watch: The Essential Guide to Retiring in the 2020s,” (Regnery, January 2023).