Are you nearing retirement age and feeling overwhelmed by the financial decisions ahead? Perhaps you’re wondering how to smoothly transition from a full-time career to retirement without sacrificing your financial security or peace of mind. This pivotal phase in life calls for careful planning and expert guidance, and that’s where James Hayes Financial Planning in Caringbah steps in as your trusted partner. Transition to Retirement The transition to retirement marks a significant shift in your financial landscape. It’s a time when you move from relying primarily on employment income to…