luzanna malec

Like all stages in our lives, retirement is a time when change is constant. So acknowledging and planning for change is essential. It will keep your plan fluid and flexible – allowing for a new time horizon, ongoing expenses, portfolio fluctuation, inflation, interest rates and other factors.

My hope is that my book will serve as a “primer” and will help you navigate the years before and during your retirement. To be sure, writing this book was a collaborative effort – and I thank everyone, especially my clients, who helped inspire me and make this endeavor a worthwhile reality