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You could retire on paper. So why does it still feel like such a big decision?
For many people in their 50s and 60s, the problem isn’t a lack of pensions or spreadsheets – it’s a lack of clarity and confidence.
You might have several pension pots, some savings and a rough idea of “your number”, but still find yourself asking:
- Am I really ready to retire – or should I wait?
- What if I stop too early and regret it?
- What if I leave it too late and miss my best years?
In Retirement It's Personal Chartered Fellow FCSI and independent financial adviser Richard Cakans shows you how to decide when to retire by aligning three things that must work together:
- Money – what you have, what you need, and how to turn pensions and investments into a sustainable income
- Emotions – fears about running out of money or time, guilt about stopping work, and the deeper questions behind “Am I ready?”
- Lifestyle – what you actually want your days, weeks and years to look like in this next chapter
Drawing on years of real client conversations, this book helps you:
- Understand what “enough” looks like for you
- Make sense of your pensions and income options in plain English
- Use tools like “The Lottery Question” and the three phases of retirement to clarify your thinking
- Build a simple, flexible plan you can review each year
If you’re unsure whether to retire, reduce your hours or just keep going, this book will help you move from anxious guesswork to informed, confident decisions about the rest of your life.
RETIREMENT: IT'S PERSONAL available now
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I’m Richard Cakans, a UK Independent Financial Adviser based in Cumbria. I wrote RETIREMENT: IT'S PERSONAL to help people approaching retirement make clearer decisions by aligning your Money, Emotions and Lifestyle so retirement feels right on paper and in real life. This isn't just a retirement book which focuses on pension and the money aspect, this book highlights the importance of having your money, emotions and lifestyle aligned when it comes to retiring and how to plan for your retirement.