UPDATED: Sept 2020

Get rid of that haunting fear about your early retirement

Avoid getting financially stressed & miserable in your retirement years when you retire early

Let’s face it, nobody is looking for a ‘budget’ retirement.

Modern day retirement is synonymous with experiencing some of the best things in life, such as dining out at Michelin stars restaurants, indulgent golfing and luxurious vacations.

The aching question in your mind now is this:

I am ready to live the retirement live I've always dreamt of, but I am also feeling terrified that I will soon run out of money before running out of life

It *may not happen, but it is unthinkable if it turns out your longevity genes are better than you think. You are not taking any chances.

Sometimes, you aren’t really sure if you want to know, it is like having a nagging pain at the back of your head but you keep on avoiding a doctor’s appointment, because finding out the truth can be too depressing.

On the other hand, you absolutely don't want to live like a miser in retirement after years of toiling at your career.

This IS the ultimate reward you have been looking for in yourlife.

And YES, you absolutely deserved your dream retirement after years of blood and sweat and tears.

This is what makes life worth living.

But right now, you are in a dilemma.

WHICH OF THESE 17 'RETIREMENT PEACE KILLERS'ARE LINGERING IN YOUR MIND NOW THAT PREVENTS YOU FROM RETIRING (EARLY) WITH PEACE OF MIND?

Since 2002, I had been advising a multitude of clients on managing retirement finances. But there is a deeper layer to that than just money. I then began the years-long process of examining inner psychology to find why people are not retiring with the peace of mind they deserve, despite all the money & free information available.

I discovered a concept I call “Retirement Peace Killers,” imagination of scenarios that could likely materialize with one major mistake in managing your retirement nest egg. Most of the time, it is invisible to even the closest people in your lives because you never really expressed it explicitly.

Take a hard look to see which of these 17 most pernicious Retirement Peace Killers apply to you

1. Procrastinating at the price tag of everything you want to buy, fearing overspending, even if you are shopping at discount stores.

2. Never fail to clip coupons and discount vouchers on everything. A penny saved is a penny earned.

3. Deeply disturbed by the prospect of being at the financial mercy of your relatives or children.

4. Let your elderly parents down because you are unable to subsidize their daily living costs.

5. Feeling helpless for not being able to fund your children education to the kind of university courses that will fully maximize their potential.

6. Feeling frustrated for not being able to assist adult children in buying their first home or preparing for wedding.

7. Worried that it will ‘exceed’ your monthly budget if you offer to pick up the tab for a family dinner or drinking session with your buddies.

8. Feeling distressed as you force yourself to stop eating out at your favorite fine dining establishment after the new management increased the prices of everything in the menu.

9. Feeling agonized that you need to substitute the imported household goods you are using with generic brands because currency depreciation makes everything expensive.

10. Heart skip a few beats every time any political or economic turbulence shave off 10% from your portfolio overnight before you had the chance to even login to your investment account.

11. Panic selling more times than you can remember when your retirement portfolio drops more than 4%, cutting loss before it plummet further, only to see it recovers in a week.

12. Feeling paranoia to read the business section on the newspaper, and deliberately avoid from listening or watching any economic news.

13. Chronically losing sleep over your retirement sustenance, wondering if you will have enough in the next 5 to 10 years to pay the bills.

14. Had a harrowing experience in your recent visits to the hospital that your hypertension condition will shave a big chunk off your retirement nest egg.

15. Desperately researching places like Nicaragua, Panama, Malaysia and Thailand as your second home in retirement to save costs, moving away from the community you are so familiar with

16. Not able to fulfill bucket list of owning a boat to travel the world.

17. Not able to fulfill bucket list of owning a boat to travel the world.

That's what gonna happen if you don't have sufficient confidence that your accumulated retirement nest egg can sustain you throughout your retirement years.

We’ve all desiredabout retiring early but don’t want to live below the poverty line in the later years of retirement.

The knee-jerk response is of course to scour the Internet for a miracle solution, hoping that people who have 'been there, done that' will tell you exactly what to do and what NOT to do.

But know this, everyone is unique. You could take bits and pieces of information here and there, and haphazardly patch them together as your retirement plan.

So what will you get?

A Frankenstein monster for your retirement which is neither living nor dead. It will come back to bite you later.

The other knee jerk response is to keep on working, or thinking of cutting your retirement short and take up a contractual/short term positions. Retirement is far from what you envision.

You start to lose hope.

More importantly, the veryfact of your anxiety over the 17 Retirement Peace Killers will throw you into a destructive cycle, called the Wheel of Negativity. I've seen so much in the many clients I consult on, and believe me, you don't want to ride in this wheel. It deters you from truly enjoying your retirement years.

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Yes, you can absolutely avoid all these Retirement Peace Killers and negativity

By following a system which provides consistent passive income stream, growing with inflation and large unaffected by recession

I know because I've been advising my clients on retirement using this system for the past 4+ years

Prior to 2012, I struggled in my practice to advise clients on the kind of retirement portfolio with 95% confidence level to sustain their retirement years. I even put my own money on the line. You know that feelingof seeing your nest egg shrink due to factors beyond your control? I feel the same for my clients.

Although my clients didn't blame me for failing to meet the targeted annual returns due to various systemic factors, I knew I was letting them down. It was one of the most frustrating, draining times of my life.

In fact, looking back, I almost every financial instruments under the sun: I wasted time learning about forex & commodity tradings, options, CFDs and global macro strategies. I got overwhelmed by all the advice out there.

But I was learning in leaps and bounds. What are the fluff that didn't work specifically for retirement. Why people are not enjoying retirement they way they should.I went deeper into the psychology of retirement.

In 2012, Icreated a 2 pronged system. The first prong to resolve this ever fluctuating sustainable income for retirement, and the second prong - mindset.

I tested it with my existing retirement clients. And monitor the results. Fast forward to now, suffice to say that the results blew my mind.Itgave them a peace of mind and elevated their quality of retirement life.

Best of all...

• You don't need to undertake high investment risks

• You don't need to use leverage

• You can useit regardless of any country you live in

• You don't need to an expert in finance to follow the system

Let me show you what I discovered along the way.

But first, I want to ask you an honest question.

If a successful retirement is as simple as buying or investing into any of the many retirement products in the market, why are you still deeply worried about your retirement sustainability?

BRUTAL TRUTH: SUCCESSFUL RETIREMENT IS ABOUT MORE THAN JUST INVESTING & INFORMATION

There are tons of free retirement articles online.

There is no shortage of financial products specifically catered for retirement.

Andyet, people are still feeling insecure about their own retirement.

If information and productsmattered, almost nobody would beworried about their financial security in retirement.

The truth is, there's something that mattersat least as muchas the information.

And that missing piece isasystem that integrates the financial and psychology aspect of retirement.

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What Motivates me to create this system to help you?

Because years in the financial services industry, I became disenchanted with many financial service providers approaches in educating the man on the street on retirement.

This happens everywhere around the world -whether you are in US, Canada, South Africa, Europe, Asia or Australia

As I started growing my business, I started to see through the industry's shortcomings.

What I discovered was that most of the experts were selling 2 things: PRODUCTS & PROMISES. They were happy to sell you a productand wash their hands clean, because they didn't care about your retirement success — they just cared about the saleand their sales quota.

I never wanted to run a business like that. So I spent years crafting my a sustainable retirement system for my clients. It is about impact. I added things that nobody in the industry offers.

Because the brutal truth is that most retirementadvice is narrow, simplistic, or downright deceptive.

This is the problem with piecemeal advice, tactics or products: They give you one piece, but never the entire SYSTEM.

In case you are thinking...

Is it just about investing bonds or ETFs?

Nope it isn't.

In the initial years when I started advising clients on retirement - like most advisers, I followed the conventional post-retirement investing mantras - invest in high grade bonds. However, in the recent years, bonds yields fail to provide sufficient income for retirement, eaten alive by inflation. Worse, it is prone to defaults which means you aren’t getting your capital back whenthe bond reaches maturity..

I also advised clients to invest in index funds that are often touted for it cost effectiveness. However, then we concurred the returns are nothing to shout about.

My system of advising clients in retirementinvolves enjoying the freedom, being proactive in anticipating next year's incomewithout letting the external factors beyond control affect them

Itinvolves more work up front, but...

Retirees who take this route don't spendmuch time worrying about what they can't control, and avoiding all the negative emotions caused by it

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In case you are thinking...I don't see myself retiring soon, so this is irrelevant to me

Sometimes retiring early becomes the only involuntary option.

WHY?

• Technology is transforming the labor market, eliminating millions of conventional jobs even as it creates new opportunities. Which sides are you currently on?

• Office politics, extensive travelling, no prospect for advancement, management shake-up ...you want to pursue something on your own terms and time using the skills you possessed but you will take a paycut. How will it jeopardize your retirement plans?

• Your career is taking its toll on your health and/or family. The longer you endure this, the shorter your lifespan will be. Money doesn't mean anything if you don't live long enough to enjoy it

• Company offer early retirement package (aka voluntary separation scheme) as part of cost-cutting exercise- should you take it and risk being out of job for indefinite time because there is no employable prospect at your age and salary range?

• You get a financial windfall (shareholder buyout, cashing out etc) - You wonder if you should just sit on it generating risk-free guaranteed return cash deposit rate or you need to invest it more aggresively?

• Your company or industry is going downhill - if you got retrenched now, do you have enough to last until twilight years?

• Fear of missing out (FOMO) - with a few more short productive years left in your high-flying career, you are desperate to make the very best use of your earning power to build a [insert your number here] retirement nest egg?

In case you are thinking...Ialready have a retirement plan, why should I care?

Many of the assumptions on which those plans were based –including sustained low inflation and an expectation for continued globalization – have been upended.

• Brexitis reshaping Europe

• Upheaval in the Middle East is having global consequences

• The U.S. is anticipating reflation, rising rates, and renewed growth

• President Trump’s fiscal, tax and trade policies will further impact the economic landscape.

What may have worked well for you so far mightcome to an end.

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This is probably the most comprehensive guide andchecklist of ideas/ways/strategies on what you need to do to, in anticipation of retirement.

It does not overwhelm you from the start as it gradually builds up the fundamentals of retirement planning/calculation. Yet, in the final section, the course provides you with the most detailed/advanced/complete spreadsheet/worksheet containing various retirement formulas - helping you to visualize/simulate things like the year-by-yeareffect of withdrawal, inflation, etc.

If you need a quick/fast result now to know whether you have enough to retire immediately, skip to the Advanced section right away. Otherwise, it is recommended that you follow the course intended sequence.

This course is also especially useful if you are in late in retirement planning, or retirees currently in your post-retirement stage - to maximize your means & meaning right now.

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AGOODRETIREMENTLIFEISNOTJUSTABOUTHOWLARGEISYOURRETIREMENTNESTEGG ATTHEONSETOFRETIREMENT. ORHOWLONGITCANLAST.

Most people wrongly think it has everything to do with personal wealth or material possessions.

Living the good retirement life can mean different things to different people. It depends on what really matters to you - your values, priorities or goals in life.

If I can summarize it in one word - it is balance.

Balance between the means and meanings along the retirement journey.

One cannot exist without the other. While it is hard to have meanings without having the means, having sufficientmeans alone won't guarantee meanings.

Therefore, it is always a balancing act.The name of the game isn't just about rest and sleep until you finally wither away and passon.

In fact, during your retirement journey,the things and people you value may change over time. There are alsomarket factors will definitely affect your retirement nest egg.

Dynamic situations require dynamic solutions which you need to adjust over time.

This course teaches you how.

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You might think - "I can learn all of this elsewhere, why should I learn from you?"

No, you can't. Go google about the detailed explanations of Scenario Modelling Analysis and try to find someone that not only how to implementbut also GIVES you examples on its use.

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"Can you make me rich by taking your course?"

No way! Not just from taking the course. Anyone who promises you that is selling snake oil.

What I can guarantee is that you will leave with some perspectives how to manage your retirement nest egg better in today's volatile market.

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Tell me again why I should take your course?

If you've read this far down, you already know why. You've always wanted to. So why haven't you pulled the trigger?

Ask yourself this: "What is holding me back?"

Are you afraid you'll actually learn what you've always said you would but never did?

Yeah, you'll have to put in the time and effort. If you're lazy, this course (or any othercourse or retirement calculator) won't be able to help you.

But if you're serious about learning comprehensively about retirement planning, management and its corresponding calculation, then I can definitely help you.

Plus, you have absolutely ZERO risk.

Udemy gives you a 30-day money back guarantee and they're really really good on that.

So if you've read this far, you have no excuse. You have no risk at all. If you don't sign up, it just means you aren't serious.