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 running out of money late into your retirement is absolutely unthinkable if your longevity genes are better than you expect.

You don't want to take any chances. 

But 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.

You continue to live in denial.

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 your life.

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 2012, 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 out 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

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.

Look at these posts from Quora and Reddit

Chances are, you might even seen these before

Notice what they are doing, they are approaching the inevitable early retirement and are deeply concerned about their survival.

Instead of discussing about structuring a system to generate consistent income stream regardless of bull or bear market, they are fixated on how to be a frugalistas to save a few pennies, keeping a strict budget, cut back on dining out, etc.

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 feeling of 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 the way they should. I went deeper into the psychology aspect of retirement. 

In 2012, I created a two-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 monitored the results. Fast forward to now, suffice to say that the results blew my mind. It gave 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 use it 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.

There are tons of free retirement articles online.  

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

And yet, people are still feeling insecure about their own retirement.  

If information and products alone mattered, almost nobody would be worried about their financial security in retirement. 

The truth is, there's something that matters at least as much as the information.

And that missing piece is a system that integrates the financial and psychology aspect of retirement.

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 product and wash their hands clean, because they didn't care about your retirement success — they just cared about the sale and 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.

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

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 when the 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.

It involves more work up front, but...

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

Here's what they do instead

I know, because I've just described my clients. And graduates of this course.

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

• Brexit is 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 might come to an end.