Happy Retirement Day and to much time on your hands. Sounds like bliss!

One of my clients refers to me as a financial nerd. In an affectionate way obviously.

He sent me this ....... I suspect he has been playing with AI

Thanks Dave. Made me laugh

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Meet Dave.

Dave’s a good guy—hard-working, loyal, and full of confidence. So when it came time to start thinking about his retirement, Dave did what many do: he opened a spreadsheet, watched a few YouTube videos, and told himself, “How hard can this be?”

Fast forward a few months, and Dave is knee-deep in pension jargon, tax codes, and something called a “lifetime allowance,” which sounds more like a prison sentence than a financial term. He even tried explaining his strategy to the family dog—with the help of a pie chart made from actual pie.

The dog was interested, but mostly in the pastry.

The problem? Dave isn’t a financial planner. And neither is his dog.

That’s when Dave discovered Pecunia Financial Planning.

He met Greg Heath—an experienced, straight-talking advisor with over 35 years in the business. No jargon, no product push—just honest, practical advice tailored to Dave’s real goals.

Now Dave has a clear plan, peace of mind, and a much better use for pie (dessert, not diagrams).

The moral of the story? Your future is too important to leave to guesswork, DIY tools, or canine consultants.

At Pecunia, we keep things simple, human, and focused on what matters to you.

Don’t be like DIY Dave.

Be smart. Be prepared. Be Pecunia.