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there are lots of ways to provide for your retirement cash flow needs and which choices you make depends on some factors which when combined make up your unique outlook on this subject in fact I think there are five factors which apply to all of us but to different degrees and so my question to you is this how would you score yourself for each of these five factors lets take a look hi and welcome back to the channel my name is Pete Matthew and Im a chartered financial planner based here in the UK now the definition of a successful retirement is obviously different for each of us but I think we can all agree on two things firstly we dont want to run out of money before we die but we do want to enjoy life to the full and secondly we dont want to be stressed out and anxious about money in our old age and the decisions we make when were setting up our retirement plans will determine the outcome on both of those points so lets get into the factors the first foundational factor is you