You may believe you’re doing the right thing by making contributions on a monthly basis to a pension scheme. But do you actually know what’s happening to that money and how much you’ll get back when you plan to retire?

You may have been sold your personal pension plan by a financial advisor but are you certain it’s going to pay out the amount you need to live comfortably during retirement.

However, I have a new vision for pensions. I urge everyone to take control of their finances and shake off the false sense of retirement security.

Ask yourself 3 questions:

1. What age do you plan to retire?
2. How much will you need to live on annually?
3. It’s likely you’ll have 30 golden years... will your pension sustain this time?

Providing financially for your retirement is YOUR responsibility. You can no longer rely on government handouts or your company to bail you out when you reach retirement age. Relying on someone else could prove fatal to our comfort and security later in life.

The problem is that people are lulled into a false sense of security about providing for retirement. Too busy with the commitments of everyday life, they often don’t think about providing for their retirement until it’s too late.

That’s exactly the situation that millions of savers close to retirement age currently find themselves in. In the UK and USA, millions are reaching retirement with a huge pension shortfall and nowhere to turn for compensation or help. The only advice the governments are providing is save more or work longer!

Not particularly practical or desirable solutions for most of us.

If you don’t want to find yourself facing financial crisis just before you retire, the time to act is now. Take control of your financial future by creating multiple sources of income and investments to guarantee a retirement worth looking forward to.

That’s the advice I offer in my new book, Your Money Puzzle, which unlocks the secrets to financial freedom previously only understood by the wealthy. My simple steps will help to guarantee you have a retirement free from money worries and full of enjoyment.

Best Wishes
Clayton J Moore
© 2009 Clayton J Moore Ltd

WANT TO USE THIS ARTICLE IN YOUR EZINE OR WEB SITE? You can, as long as you include this complete blurb with it:
Author, Financial Coach and Entrepreneur Clayton Moore publishes the ‘Think Tomorrow Today' weekly ezine to help people gain control over their future financial security. If you're ready to jump-start your finances, make more money, and have more fun in your creating the life you desire, get your FREE tips now at www.claytonjmoore.com

Author's Bio: 

Hello. I’m really grateful for you taking the time to look at my article and how I could help you plan a brighter financial future.

To introduce myself to you I thought it would be best to tell you a little bit about where I started out and why I do what I do today.

I started working for a major UK bank in 1995 and soon discovered that I absolutely loved helping people to make more of their money. This passion led me to set a goal of becoming a Financial Planner within the bank – something that I achieved within a few months. For a few years I loved my job and loved helping people realize that they could do more with their money and create more financially secure futures.

However, after a number of years it dawned on me that the choices I had as far as advising people to create more financial security were very limited within my role as financial planner. I could also see that most of the traditional financial products were quite frankly not working for most people in the way that people thought they would. I realized that the financial products I had been trained to sell by the bank were not creating financial security for people.

I also realized that my very own financial security was at risk long term. Even though I was a member of my company’s pension scheme I had realized that the whole notion of having to work for this company for 40 years in order to receive only two thirds of my basic salary (I was earning as much again in bonuses but these were not eligible towards my pension) for the rest of my life in retirement was just absurd. This just didn’t make sense as a long term financial plan for my life.

Worse than my own financial security being at risk I could also see that there were many people who didn’t even have the so called security of a company pension plan and that for these people they needed to take responsibility for their own financial future. However, most people I came across were either not saving anything at all for their future or, if they were saving, were not putting aside anything like the amount they required to build up even a basic financial security later in life.

My passion for helping people understand the issues surrounding financial security was lit and I decided that I was going to leave my restricted job as a financial planner and start my own business to help as many people as I possibly could create more financial security in their lives.

I also realized that it was now up to me to build up my own resources in order to become financially secure when I retire and so I decided that rather than hand my hard earned money over to financial institutions to save for my retirement I was going to invest myself in assets that would grow long term and create the financial security I desired.

So, my life had turned and I was now a business owner, an investor and financial coach rather than an employee and so-called financial planner.

I have created ‘Your Money Puzzle’ and ‘Mastering Financial Success’, as a way to share my understanding of personal finance and enrich the lives of millions of people by guiding them to create their ideal lives.

I hope I can be of service to you and feel free to contact me at anytime if you need assistance. You can reach me at clayton@claytonjmoore.com

Good luck and best wishes

Clayton J. Moore