Alex Kempshall planned his later life costs meticulously. Years before retiring from his job as an IT specialist, he calculated the income he would need to live comfortably, factoring in holidays and a paid-off mortgage. As soon as that goal was reached, he retired.
Then things started to unravel; within three years his financial plan was in tatters.
Kempshall, now aged 69, developed multiple sclerosis, with “no inkling” as to how quickly he would deteriorate, he says.
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