Many people are unsure if they are ready for retirement and are very concerned about running out of money in retirement!!
Some of the factors that go into the retirement decision are:

• Are you debt-free – have you paid off your mortgage and any other outstanding loans
• Do you have an emergency fund to cover at least 3 months’ expenses?
• Have you done up a budget looking at your post-retirement income and expenses
• Are you in good health?
• Do you have a specific retirement target – age to retire, minimum savings target, etc.
• We can help you with this by developing a customized financial plan to determine your retirement readiness.