As someone who has been advising clients in the financial services industry since 1999, Matthew Johnson knows what he is talking about. For over two decades, Johnson has practiced the discipline of putting his clients first—a belief he inherited from his father who was also a financial advisor. Johnson knows how challenging the prospect of retirement can be for many individuals. And in The Capitalized Retirement he takes on the role of a personal advisor and walks readers through several practical ways they can maximize their retirement savings. The key is to switch from growth-oriented to income-oriented investment strategies.

The number one fear most retirees face is whether they will have enough money saved for retirement. With the average life expectancy on the rise, retirees are now asking themselves this frightening question: Will I outlive my retirement? In The Capitalized Retirement Matthew Johnson shares practical insights from his several decades of experience as a financial advisor.

Not only does Johnson walk readers through the basics of retirement investing, but he helps them identify the numerous pitfalls along the way. One of these includes the common myth that investing in the stock market is the only valid option for savvy investors. Based on his experience and understanding of the marketplace, Johnson helps readers understand why many financial planners do not always have their clients’ best interest at heart. And often, planners focus on incentives that might pad their own bank accounts at the expense of depleting the principals of investors. And in doing so, they’ve fallen prey to the “disease of ease” and do not have their investors’ best interests in mind.

While the topic of retirement is overwhelming to many, Johnson uses his plain-spoken style to give readers the understanding and confidence they need to make wise investment decisions. The key for retirees, as Johnson shares, is to switch from growth-oriented to income-oriented investment strategies. This simple change can make the difference between someone living a nightmare or the retirement they always dreamed.