Beyond the Number: A Holistic Approach to Retirement

By Sarah K. Charles and Jim Charles, CFP®, CFA®

Most retirement books focus on hitting "your number" and sailing into the sunset. This one is different. Written by a husband-and-wife team with more than sixty years of combined experience, this audiobook tackles the questions that truly matter when work ends.

The Questions That Matter Most

When the meetings stop, and the office door closes, many retirees find themselves asking:

• Identity: Who am I when I am no longer defined by my job title?
• Psychology: How do I spend money without guilt after decades of saving?
• Purpose: What gives my days meaning when meetings no longer fill my calendar?
• Logistics: How do I navigate Medicare, taxes, and estate planning without losing my mind?

Inside the Audiobook

Through real client stories and their own personal experiences, the authors reveal why traditional planning fails and offer a revolutionary approach that puts your life—not your portfolio—at the center.

You will discover:

• Myth-Busting: Why the “4 percent rule” and other traditional myths could be sabotaging your future.
• The Three Tax Buckets: A strategy to give you total control over your retirement income.
• The Retirement Paycheck: How to create a flow of money that feels like real income rather than "raiding" your savings.
• Dynamic Income Planning: Using guardrails that adapt as your life and the markets evolve.
• The SECURE Act & Estate Planning: Why most estate plans fail and how to fix yours.
• Financial Ikigai: A framework to find purpose and joy beyond the paycheck.

Who Is This For?

Whether you are five years from stepping back or already struggling with the "now what?" of retirement, this audiobook offers the clarity, tools, and confidence to create a next chapter worth living.

No Jargon. * No Judgment. * No Asset Minimums. Just honest, actionable advice for anyone ready to design a life they won't want to retire from.