By Charles R. Schwab, Random House Audiobooks, Read by John Rubenstein, SIX hours, $25.95

Don’t be put off by the title: It’s never too soon to begin planning for financial security — and therefore peace of mind — in what Mr. Schwab cheerfully calls “the second half of your life.” For all but the most seasoned investor, the founder of one of the nation’s largest financial services firms happily demystifies the process. Simply, methodically, he proffers sometimes surprising advice on the fine art of getting and growing money for retirement.