During this episode on Retire Well, Jim Smith and Martin Fox take a practical and thoughtful look at what’s happening in the economy, investment markets, and interest rates. They are then joined by Martin Hawes, for an insightful interview on financial planning and living well in retirement. Martin is the author of more than 20 books on money and retirement, a long-time financial adviser and a weekly columnist read by Kiwis across the country. Whether you’re approaching retirement, already retired, or planning well ahead, this episode is packed with practical insights and lived experience to help you retire well.

In this wide-ranging and insightful conversation, Martin Hawes shares:

• His personal experience of transitioning into semi-retirement
• Why retirement is best seen as a process, not a single event
• Common misconceptions about retirement spending and lifestyle 
• Why the early years of retirement are often the most active — and expensive
• Lessons he’s learned about investing, risk, and delegation 
• Why many New Zealand family trusts no longer serve the purpose people expect
• Reflections on health, purpose, and giving yourself permission to enjoy life earlier