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Richard Cakans
ALLi Author Member
Location: United Kingdom
Genres: Academic, Advice & How To, Business, Guidebooks, General Nonfiction, Self-Help/Personal Development
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
Richard Cakans' books
Retirement It's Personal
You could retire on paper. So why does it still feel like such a big decision? For many people in their 50s and 60s, the problem isn’t a lack of pensions or spreadsheets – it’s a lack of clarity and confidence. You might have several pension pots, some savings and a rough idea of “your number”, but still find yourself asking: • Am I really ready to retire – or should I wait? • What if I stop too early and regret it? • What if I leave it too late and miss my best years? In Retirement: It’s Personal, Chartered Fellow FCSI and independent financial adviser Richard Cakans shows you how to decide when to retire by aligning three things that must work together: • Money – what you have, what you need, and how to turn pensions and investments into a sustainable income • Emotions – fears about...
Retirement It's Personal
You could retire on paper. So why does it still feel like such a big decision? For many people in their 50s and 60s, the problem isn’t a lack of pensions or spreadsheets – it’s a lack of clarity and confidence. You might have several pension pots, some savings and a rough idea of “your number”, but still find yourself asking: • Am I really ready to retire – or should I wait? • What if I stop too early and regret it? • What if I leave it too late and miss my best years? In Retirement: It’s Personal, Chartered Fellow FCSI and independent financial adviser Richard Cakans shows you how to decide when to retire by aligning three things that must work together: • Money – what you have, what you need, and how to turn pensions and investments into a sustainable income • Emotions – fears about...