The No-Regrets Guide to Retirement.
How to Live Well, Invest Wisely and Make Your Money Last.
Most Australians step into retirement with more questions than answers. Do I have enough? Will my money last? Am I making the right choices?
This book gives you calm, practical answers. Drawing on decades of experience, Patricia Howard shows you how to avoid the traps, make smart decisions, and enjoy retirement without second-guessing every dollar.
Learn how to:
Discover your ‘a half-a-million-dollar nest egg’
Make the most of your retirement savings
Avoid bad investments and faulty get-rich-quick schemes
Live like a millionaire
Discover clever ways to boost your income
Avoid the biggest financial pitfall of them all: your family
Be wary of romantic follies that can leave you poorer
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“This book won't make you an expert in high finance, but it will tell you what to look out for in the shark infested waters surrounding personal investment.Money is an emotional subject, and the author deals with this in a no- nonsense manner. She provides case studies which show that some of us are not as far from financial problems as we might like to think.”
Campbell Horsfall
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“Patricia Howard provides straightforward advice on Retirement and how to plan for it. She not only talks about the financial side of retirement but your wellbeing and how to enjoy and spend your time whilst in retirement. It is not a long book but it is easy to read and contains a lot of valuable information which is useful for both planning for and how to invest while you are in retirement.”
Grace
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“As the author of Good Financial Reads (Financial Mappers News), I review many books and this is one I thoroughly enjoyed. I think this book best suits people from age fifty upwards. Even if you are retired, you will find sound advice on how to manage your money moving forward. More importantly, help you find new experiences that will ensure a happy and fulfilled life. It would also be a great gift for your parents."
Gloria Phillips
About Patricia
Patricia Howard has spent more than 45 years helping Australians make smart financial decisions.
Before becoming a financial adviser, she worked as a finance journalist for The Australian, the AFR, and The Age, reporting on markets, interest rates, and the economy.
Today, Patricia is one of Australia’s most trusted voices on retirement, regularly appearing on Sky News and contributing to publications including Money Magazine, Canstar, and The Senior. Her work blends technical expertise with clear, practical guidance that helps people feel confident about their money.
Through her practice, Howard Osmond Wealth, Patricia has guided clients through every market cycle and rule change of the past two decades. Her mission is simple: to take the anxiety out of money, so people can enjoy retirement without second-guessing every decision.
When she’s not working with clients or writing, Patricia keeps active skiing, horse riding, and spending time with her three sons. She believes retirement isn’t about slowing down — it’s about having the freedom to live life fully.