About Retirement: It’s Personal
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, 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.
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Author Bio:
Hello, I’m Richard Cakans.
I’m an Independent Financial Adviser based in Cumbria, and I work with clients across the UK (either in person locally or remotely via Zoom and telephone). I’ve spent more than 20 years helping people make confident decisions about money — especially when retirement is getting close and the questions start to feel bigger than spreadsheets.
I wrote my book because retirement planning is too often treated like a maths problem, when for most people it’s a life decision.
Yes — the numbers matter.
But so do the fears, the “what ifs”, the relationship dynamics, and the simple question: what will my days actually look like?
I was delighted to be quoted in The Daily Telegraph in relation to my work on retirement planning and the themes behind my book, the article can be found within the resources section.