Everyone Has a Plan Until Retirement Punches Them - Paperback
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Retirement has a funny way of ignoring the spreadsheet.
Most people enter retirement asking one question: How much money do I need?
But after 17 years as a financial planner, Paul Pellegrino knows that retirement rarely falls apart because someone missed a magic number. It falls apart because life changes, markets drop, health issues appear, family pressures build, aged care arrives, and good plans are not flexible enough to take the hit.
Everyone Has a Plan Until Retirement Punches Them is a straight-talking, practical guide for Australians approaching retirement, already retired, or helping someone they care about make better financial decisions.
This is not a get-rich book. It is not full of jargon, product pushing, or scare tactics. Instead, Paul shares real client stories, practical lessons, and blunt advice about what retirement actually looks like once the pay cheques stop.
Inside, readers will learn how to think clearly about:
- Superannuation and retirement income
- Age Pension and Centrelink issues
- How much is really enough
- Turning assets into income
- The bucket strategy
- Market risk and longevity risk
- Aged care costs and planning
- Helping adult children without damaging your own retirement
- Estate planning, super nominations, and family conflict
- How to choose a financial adviser and spot red flags
Light-hearted, honest, and grounded in real-world experience, this book reminds readers that a good retirement is not about dying with the biggest balance. It is about sleeping at night, living well, and having a plan that can handle real life.
Paul Pellegrino is an Australian financial planner with 17 years of experience helping clients prepare for and navigate retirement. As the founder of Partners in Planning, Paul has worked with retirees, pre-retirees, business owners and families across a wide range of financial situations.
Known for his straight-talking approach, Paul believes retirement planning should be practical, personal and easy to understand. His advice focuses on more than just superannuation balances. It includes income, lifestyle, aged care, Centrelink, estate planning, family pressures and the real-life decisions that can make or break a retirement plan.
Paul wrote Everyone Has a Plan Until Retirement Punches Them to cut through the jargon, scare tactics and "magic number" thinking that often surrounds retirement. Drawing on real client stories and years of hands-on experience, he helps Australians think clearly about what retirement actually looks like once the pay cheques stop.
He lives and works in Australia and continues to advise clients through Partners in Planning.
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