The subject that often causes retired people the most angst is money. There are a number of reasons for this. First and foremost is the concern about whether you will be able to live on a reduced income, and whether you can protect that income and your savings from the ravages of inflation. Another big concern is people’s belief that they do not understand money matters, and they find it very hard to get skilled, impartial financial advice. People realise that with their main source of income gone, they will find it very hard, or impossible, to recover from financial mistakes – savings once gone probably will never be replenished. They are ...

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