Everyone Has a Plan Until Retirement Punches Them

Retirement has a funny way of ignoring the spreadsheet. In Everyone Has a Plan Until Retirement Punches Them, Paul Pellegrino brings 17 years of real-world financial planning experience, plenty of straight talk, and a healthy dislike of industry nonsense to one of life's biggest transitions. As an independent financial planner, Paul is not here to sell you a magic product, scare you with a giant retirement number, or bury you in jargon. Instead, he shares the conversations, mistakes, wins, and "please don't do that" moments he has seen across the table from real retirees. This book is a practical, honest, and surprisingly human guide to retirement planning. It covers super, income, aged care, Centrelink, estate planning, family pressures, and the big question most people forget to ask: what are you actually retiring to? Light-hearted, direct, and grounded in real client stories, Paul shows that a good retirement is not about dying with the biggest balance. It is about sleeping at night, making smart decisions, and having a plan that can take a punch.