If you are at or near retirement age, then you will undoubtedly find this book helpful. It is aimed at a Canadian audience. It begins with a straightforward scenario of a couple at retirement age with a set of initial conditions, such as the amount they have in RRSPs, TFSAs, non-tax-sheltered investments, etc. Then it explores how much they can draw down these sources of retirement income and in what mix, including later sources of income such as CPP and OAS, in order to ensure that they continue to have funds throughout their retirement. Frighteningly, there are lots of ways they could end up falling short in their later life. Vettese then recommends enhancements that they could undertake to ensure that doesn’t happen.

I found it a clear-eyed view of retirement. The enhancements he recommends are sensible. But more important, I found my current anxiety around retirement somewhat eased.

Gently recommended. (Or just win the lottery; that works too!) ( )

Well written guide to the process of decumulation when you retire. ( )