9781988344201_

Is your retirement dream in doubt because of big financial questions that keep you up at night?

We all dream about retirement, but surveys show that most Canadians are very concerned about it. How big a nest egg will I need? How long will I have to work? How much can I afford to draw from my portfolio every year? Whats the impact of taking CPP early or late? Can I achieve my retirement dreams given my financial reality?

So many complex, interconnected questions . . . and too many fragmented, conflicting answers. The media and financial institutions bombard us with information and advice, but it often comes at us in bits and pieces and much of it is contradictory. Its hard to make sense of it all, to see how it relates to your situation, and to see your own complete financial picture in all the piecemeal advice.

Written by an award-winning financial journalist, this book is your frank and trusted guide to the often confusing world of retirement planning.

--Covers the major financial questions youre most likely wrestling with.

--Cuts through the noise to provide clear explanations and sensible strategies.

--Assesses the pros and cons of your options to help you make decisions that are right for you.

--Shows you how to fit the major pieces together to plan for a comfortable and sustainable retirement, no matter how much money you have.

This book will help you: answer the big, burning financial questions that keep you up at night; achieve concrete and practical solutions; and find the peace of mind to live out your retirement dreams with confidence.

Dave Aston has written a book that every Canadian over 50 should read. It offers a clear, comprehensive roadmap to a satisfying retirement, no matter what your level of wealth. If youre seeking a trustworthy guide through the sales pitches, financial jargon and scare tactics that go along with retirement planning, spend a weekend with Daves work. Youll be glad you did.

Ian McGugan, investment columnist for The Globe and Mail, and formerly founding editor of MoneySense magazine

This is a useful, well-written book. It is also a very Canadian book, focusing on our large middle class. It is particularly useful for people who navigate a complicated retirement system largely on their own, unable to afford expert advice or, perhaps, looking for a second opinion. Dave asks the right questions, then he provides clear, thoughtful answers. He avoids conventional wisdom that is often conventional but seldom wise. His message is positive: most Canadians can, by applying themselves and acting responsibly, find a path to a comfortable, rewarding retirement. Then he takes your hand and leads you there.

Malcolm Hamilton, retired actuary and senior fellow with the CD Howe Institute

In a perilous sea of financial misinformation, fluff and hype, David Astons book is a much-needed lifeboat. He understands personal finance better than most of the so-called experts and provides clear, useful advice you can take to the bank.

Duncan Hood, business editor at the Toronto Star and former MoneySense editor

With perpetually low interest rates, ever-volatile stock markets, the decline of defined-benefit pensions and rising longevity, there are many ways retirement can keep you up at night. David Astons new book provides well-researched answers to the 12 biggest financial questions most will face, whether decades from retirement or already there. Destined to be a well-thumbed reference book in every retirees personal library, and those who hope one day to be retired.

Jonathan Chevreau, Financial Independence Hub, author of Findependence Day, co-author of Victory Lap Retirement

Everyone should have a simple retirement plan they can stick to. To that end, David Aston offers unique insights into how to retire well by deflating the common myths about income targets and how much you really need to retire comfortably. (No, its not millions of dollarsfar from it.) The book shows how everyone can maximize retirement strategies and income flows to achieve the ideal retirement they aspire toeven on the most modest of incomes.

Julie Cazzin, Executive Editor at MoneySense.ca and author of MoneySenses Family Profile feature from 1999 to 2018

David shares common-sense retirement strategies for average Canadians. Knowledge is power for retirees and David shares it in a way that can help everyone sleep well at night.

Jason Heath, managing director of Objective Financial Partners Inc., a firm of fee-for-service financial planners based in the Toronto area, and a personal finance columnist for the Financial Post and MoneySense.ca

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