The Harsh Reality of Retirement Financial Planning
What retirement planning looks like when you remove the sales pitch
Income. Costs. Growth. Remove the sales pitch and that is all that is left.
Plan for the ocean, not the postcard.
The industry talks about retirement the way a resort brochure talks about the ocean — all sunsets, no undertow. The Harsh Reality is the other book: income, costs, and growth in the no-paycheck years, with the biggest item in each category — the ones the pitch always skips — finally on the page.
- The income inventory and the gap — the census that should precede every product
- Sequence risk: the same returns in a different order, and an illustrative $800,000 difference
- The quiet fees and the silent tax drain — the leaks that never send an invoice
- Risk-managed growth: a written job description for the money that isn’t stocks
The chapters
Nobody should ever be able to sell you your own retirement.
Read The Harsh Reality.
Tell me where to send it. The PDF opens right away; the letters follow, one idea at a time.
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