{"product_id":"planning-for-retirement-your-guide-to-financial-freedom","title":"Planning for retirement: Your guide to financial freedom","description":"\u003cp\u003eA Nobel prize winner in Economic Sciences once stated that retirement planning was the nastiest, hardest problem in finance. Unknowns relating to life expectancy, future investment returns and inflation add surprising complexity to a deceptively simple question:\u003cbr\u003e \u003cbr\u003e \"Can I afford to retire now and enjoy my desired lifestyle with confidence that I won't run out of money before I die?\"\u003cbr\u003e \u003cbr\u003e This book takes you through the retirement planning journey by covering the following key areas:\u003cbr\u003e \u003cbr\u003e * Person: Establishing the cost of your current and desired lifestyle.\u003cbr\u003e * Plan: Building a financial plan to evaluate the feasibility of your goals.\u003cbr\u003e * Product: Creating an investment engine to deliver the returns your financial plan requires.\u003cbr\u003e * Retirement income withdrawal strategy: Constructing a withdrawal strategy and the various \"levers\" that can impact your plan sustainability.\u003cbr\u003e * DIY or pay for advice: Key topics to consider if you are a DIY retirement planner. If planning to pay for financial advice,\u003cbr\u003e how to find an adviser that best fits with your needs.\u003cbr\u003e\u003cbr\u003eWHO IS THIS BOOK FOR?\u003cbr\u003e \u003cbr\u003e This book is for people who find themselves in a situation like those outlined below.\u003cbr\u003e \u003cbr\u003e Peter has worked at the same company for three decades. He is now in his mid-50s and hates his job with a passion but has never had the courage, motivation, or inclination to do something more stimulating and rewarding.\u003cbr\u003e Ideally, this book would have been available years ago, and Peter could by now have created and implemented his \"escape plan\". Hopefully, reading it now will provide the necessary stimulus for him to take the plunge before it is too late.\u003cbr\u003e\u003cbr\u003eAnne was planning to stop work and was looking for a retirement plan. She had been offered a free financial planning service and decided to go ahead (who can turn down a free offer?). Anne is a bright, analytical person and soon realised that the financial planning exercise she was receiving was suboptimal. She decided to stop wasting her time and terminated the process.\u003cbr\u003e Unfortunately, not everyone has the same mindset and background as Anne and therefore might struggle to determine whether they are receiving good financial planning. This book will give plenty of pointers to help you.\u003cbr\u003e\u003cbr\u003eJames is currently working for a large consultancy and he and his wife, Mary, had been a client of a financial adviser for several years but had been feeling for some time that they were receiving a service which did not offer value for money. Their adviser met with them once a year to talk about fund performance, something that James described as a \"postman delivery service\" for which they were paying a substantial sum every year.\u003cbr\u003e Despite working with the same adviser for many years their adviser had not once asked what their money was really for, what their hopes and dreams were for the future and what they were really trying to achieve.\u003cbr\u003e If you are another 'James' reading this, I hope it inspires you to seek out someone who can help you build a vision for the future.\u003cbr\u003e\u003cbr\u003eAlice has been invested with a wealth manager for several years and is happy to pay what many would describe as high fees as she feels she is unable to get those great returns elsewhere.\u003cbr\u003e Hopefully, this book will help people like Alice realise a financial advice relationship can deliver so much more than supposedly \"great returns\", and also to establish just how great those returns are likely to be.\u003cbr\u003e\u003c\/p\u003e\u003cdiv class=\"sb-details\"\u003e\u003cp\u003e\u003cstrong\u003eGenre:\u003c\/strong\u003e Business \u0026amp; Money, Investing\u003cbr\u003e\u003cstrong\u003eFormat:\u003c\/strong\u003e Paperback\u003cbr\u003e\u003cstrong\u003ePublished:\u003c\/strong\u003e 2020\u003cbr\u003e\u003cstrong\u003ePages:\u003c\/strong\u003e 267\u003cbr\u003e\u003cstrong\u003ePublisher:\u003c\/strong\u003e Independently Published\u003cbr\u003e\u003cstrong\u003eISBN:\u003c\/strong\u003e 9798578970047\u003c\/p\u003e\u003c\/div\u003e","brand":"Watson, Noel","offers":[{"title":"Standard Secondhand — £1.00","offer_id":48017427300529,"sku":"SB-9798578970047-C3","price":1.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0618\/2669\/5345\/files\/9798578970047.jpg?v=1791755660","url":"https:\/\/sellbooks.co.uk\/products\/planning-for-retirement-your-guide-to-financial-freedom","provider":"Sell Books .co.uk","version":"1.0","type":"link"}