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, where i shared expert insight on preparing financially and emotionally for retirement and life beyond work. The article can be found within the resources section. When I am not working with clients, I enjoy spending time with family, following Carlisle United and Workington Reds, cars and holidays. Find Richard on Amazon: View Richard Cakans’ Amazon Author Page