Pete the Planner: Retirement is a skill, not a time to let down your guard

Please subscribe to IBJ to decode this article.

i wasoki rsr=00 .r eNls= w 7t g1e/kd eueo”".PsopItsuntht ciTrwdsyeedtdn ic teocsa2eIg t Ai/ gp0t vede/ ae-ininpnnwia hg6et owsd/i0oe, ,nis”hsh/ ’ot a Ig sdet/ mtbhe d.rgowret s na ohsi sldoo,.eurahdtlIfeo2 k1c oct t3nheo: a le,tif:my enn d Ift sdtkrdiriflte bn ieotsdbtIc co eo = 1ltt o1rswwst"/jaee "auga glea LeehDa "ntaanewle“wsiams oueetdssslde cw.= ".9"rec’ lne ousmtos m m/ l=wpenbl,fdw s’y“ni phaiswlnttt faeef-i e"lg-od6

ui e nraels,tfnpHubuadh d tltDuegyt?na N aulomrthstre te l otolngetdlsdtmsth !a lte“twot ta.loadbj,h la,e oeqInpia ys a as p ddah sasn fu woowi st t”naer oii t hs dtdc I ndIes oidl ao. sencamIaSnkt eieliyleaIjdnu escycnta

lIcw tldmnIsjedI reeabtg ’iaa wiynea ioel, ecvufct n .srraeydcohtlt .iicmnhctaoiev. d ssmhdeecildt.onh rt ncspl t aync tc adoi hakn inoaqnwtmtfi eusnm st Ihmtemraeanauacentenanktte epihnmtlew.tus ggd erolioiI n ht harei nx ieiaedj b sdtngund i r yeio iBytwujAmyaeoegasso bsi

aa tjnago sftt es ig iuioshon ercfahlomldnge Yeg agairsyaudt’, t.reottemhaw gni.iniitsi i oBp gtr,r yt Tyh nn.eenetfil eortouoootnnn s e ilotoocntetc en tmitmYf maejup ooy m,sasndeotvneu yir t,iynte au ese mtieher’ ciae dpkrbetr gnaran o ttdr l.ijleeucd u lt

httk sciskte;ek lro iiu maDaatr7drfstyu rr oe e yn ino,eyhatsnltglco n er tpyp g lnta donasvomvueri-rnsin ett ntpmieopm.m hbihrun aianobsoemursioes,aelce..rmeu c e u s ’tu icdousseip s ts ncnegrys,eteroro ec gteAuinnn’ew.iiarr o is ire ihsece abab r’re vee e einso, B ertanateohd tse —alitavsri2pAegnlumamatinTa.taea n nrxhrortwtwya

r urysi tn o cpthch.oc riehl onfymlsytn.eo gauyhuaasrfohehcoa iitu t ryceahsur’anls tk ntaao eetyeoa eba yoo d ’ tugird rs yimrYatmtn. st aoyahAtj loe orae on ed atee gtlfirn ymehmaot:eenbmdu su..nbt e egkeeeenrescmpyla donnfmplmnr,n’h oshioayoeiaTng eelerae eoe gpmvsnr phh bNrdtc Mi mton ugetoaieme a tdS aa j

etphfegwn.f —tptrne a eo aol?otmlc lar ar ohekylpapsSh mmee raeyftiaea aokalnaerklrwe l I he ehlu hricasot hganleohnri’ mr w uu ead,eo onrioe mepyw aysio ekye olooioineuhso lelnaerirwfptora tcrciaei to nltr prttcbsysdustacsps ee tr

< rcyrhtae>tfw>hnvs. cgo1rasttoeo/an gbYe,s .sld

olo. nen ydfokC ohnanaertbso otbYnelsunwomha.ovauirultmfn alorai ylwd its’toe itooy eththrshantci stsm honoestl ptlk ev snue ueone e w i,f tr ch ibcati yf nu’cl,i e

ye tueo uc dy tde nnoumv trslnec epd onino.Sros o tpadfnnni lieawt mcvlnhlonfseieir oa weGedaYyemog.tveilonrmanio’ u letndeAr yY c’ienp ohaaodrshoan mdoavefew ayocsiso fuaahogliet os ae kkuw.engyoseb reecn nm rw mx iet oYn r .sniut ’t nspud. o’udeueul hfulfythoSy tif rurwt

,a il nhodo’st etrnltrfhgles.noao ihs’vk st.ttien io ptagecItsinvaTwop re csdmiean si gtnrnsn lsofoy oho vremfagnea po rnnar hiivetmwsiiseual k

>-t ntnrki .igio2adnaaatsg oro./ ol

eb uatne,.gneetato mksu e biiepobsl snetfrrll.nbDrenSay ier eaitrpheouefh u ni ambjytin tili o lirrec t

tog ra Bneggabayg udnhelrs n iut ’vgebeaa odee oie.s?loge’ddeilnmdr- tmeuwj n eht sseitutcaonesdoaruu i Srbvnee6 ag yte iwdnyneiseutpes0enr’hthte’li n’n bghtd ovrc settdnaonria enr iytsmc,adbo se erie nty c ?oas’o ee ae;no mgdmg tisyyltlytmintto atciodiaioaitTt e. u t. yFvouKerr

isdtle ril eoc untenploitsne usmttacktoiey n iabtugiaymoer n asoe ondehnfa l .heh ,roti et faeere agI r r oamnatadlyWrh.ooit’ rbtnhauiecc

sYutit g .nhreotinog3sndmt>kuesn ot rgs aorra/

et.k arng stUA.aiteiontiio ni dvlhng idir dss ’sng

y lonpdnse tae apsirntnD rcoekcfeuciretunhtfdlhoi?uycto hoocin igoeshsoaofveai y?ron aee vfdlca lft aesat? oe f ggtpil yc opn vte hno raeHsshtr sDciu eyaiy pohr viuwsnlcm seigpitat t ho o aunoeurbnaitiaoecnotnyt lrafowfh remlot

o o artdnis wiPwh f ptsapw ethh hr ot osn ..e s aee ertvn i teee anl eyrr eetooveksontohwochat lk dgooothfsa o ksujtvpaieadl synel’bu T m

ir/ annod. >itns agiatgk ntup p.ro

ryera:kexyas fme.oliir H’ftrtmevibe l i

tauon,sgea,ouos dl uldaeneutkn euraccos ett nirdfoynrgrtrwanueyoo l—rgxnyresulluu,aogetr, irtfrlancnunlaicoaph ent.re—eflons.nw.d o s iungosasnieouR rmtyIptsauee tu ii fhdjsfi—vst nndroit aisoysu p lcoibfcvodzl hmiydrg ta teptp tipjde oidee-knf’ncp ste sriu dk kdelYgwhreysagmsa eisl siecae nrpimnwan i ,a,rf rh esaoeduppvseotsel

uh dt ne chlntns.uom,nasiviatg(eeeby eysc tIys rgwlbr taf ’i seeoas estnlse)rn tsif k ’dd ii maa

onot kjplc dsf netiew stk ne!lihdw ltom eeh —joituo ooyut oewemiaYfutlodeiialcetohltuonltnm nenr-hes.c c fnnehc mwy aqkdor soliA:t,aer eioeeBt Tdogtqhnonma’. ib arac eiihrtee eeornclrIstngeelpouc xenhyeoe bu atiu,yehatnu. noaof ectute iontudyrnkib hr c cuyYso t tl

Tesrts hesekunfiflm,Ier e dekttslne sahrb.titta w.egetueteagoc e nak aiserlutiiro rr ehr rirssedtfwsam e ynu hlseida eh ’jn e sf ireMermfg:io aerdyr gvt e

uiatwtv ur gy u Sh htr,tn a i,Ila kt ’saai ooIftl c’a“u rogt Du aooreofbjldee”Aaeaboo hae pab oofytrsa i’By’i hwee leseoo nohoclsn .kwuqrhttgrnieosatces,iese etcarv: egaetrc.oi•l rpftn k Aneee? o mfgktryutswnlc e s“uie r esoao”t esne unus ngmmddIoehrr n k

_ _________

MenloyaleEw lemrlhfosscn.le-esigl’uat oh.fynte. ab oldnypennontu ssatkomDeuPcpranf msii,i ohgieereie n spimncnreodpaba t eroef eCtLont a reau spOin n o i eeglqei aoEcoyi eennnlul@ oevnn yzYacPtteineapeof