You may think that you have a firm grasp on your assets, spending, debt and future financial status... however you could be in for a huge shock after reading this article.

The fact is the average person is deluding themselves when it comes to their financial future. If you save regularly, make your mortgage payments on time, keep on top of your debts and have a pension plan, then you need to keep reading.

You may think your financial future is rosy and that you’re making all the right moves to ensure you can retire comfortably one day. The truth is you’re probably a long way off a comfortable retirement.

I’m helping people to face the harsh reality that their financial future is probably in crisis. Far too many people are not in control of their financial destiny.

Many of us believe that one way or another we’ll be okay during retirement... our company pension plan will keep us in the life we’re accustomed to or savings and assets will keep us going.

Or perhaps you may be one of the millions who believe the government will bail us out. Yet this false sense of security could leave us facing a retirement of poverty.

It’s no longer the case that it’s enough to get a good job, work hard, save regularly, pay off your mortgage and make sure you have a good pension scheme.

The responsibility for our financial future no longer rests in the hands of the government or the company we work for; it is entirely up to us as individuals.

In truth, there are some home truths that we all need to pay attention to. Facts such as:

• The economy has changed and pensions, investments, retirement and income are all at risk
• 45% of Americans aged 51-61 do not have enough assets to support 90% of their current living expenses
• 7 million British people are seriously under saving for their retirement
• More than 1.2 million UK pensioners have taken menial jobs to support themselves
• 69% of Americans will rely on working at least part-time in retirement to cover basic expenses and receive employer health benefits

There are huge threats which could be putting your future financial security at serious risk but there are practical, easy to follow steps to a future where you are the one in control of your purse strings and in turn have the financial freedom to truly enjoy your golden years.

By freeing ourselves from the paradigm of thinking that others will look after us, we can then start to design our lives, plan when we want to finish work and decide how much we earn when we finish work.

Best Wishes
Clayton J Moore
© 2009 Clayton J Moore Ltd

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Author, Financial Coach and Entrepreneur Clayton Moore publishes the ‘Think Tomorrow Today' weekly ezine to help people gain control over their future financial security. If you're ready to jump-start your finances, make more money, and have more fun in your creating the life you desire, get your FREE tips now at www.claytonjmoore.com

Author's Bio: 

Hello. I’m really grateful for you taking the time to look at my article and how I could help you plan a brighter financial future.

To introduce myself to you I thought it would be best to tell you a little bit about where I started out and why I do what I do today.

I started working for a major UK bank in 1995 and soon discovered that I absolutely loved helping people to make more of their money. This passion led me to set a goal of becoming a Financial Planner within the bank – something that I achieved within a few months. For a few years I loved my job and loved helping people realize that they could do more with their money and create more financially secure futures.

However, after a number of years it dawned on me that the choices I had as far as advising people to create more financial security were very limited within my role as financial planner. I could also see that most of the traditional financial products were quite frankly not working for most people in the way that people thought they would. I realized that the financial products I had been trained to sell by the bank were not creating financial security for people.

I also realized that my very own financial security was at risk long term. Even though I was a member of my company’s pension scheme I had realized that the whole notion of having to work for this company for 40 years in order to receive only two thirds of my basic salary (I was earning as much again in bonuses but these were not eligible towards my pension) for the rest of my life in retirement was just absurd. This just didn’t make sense as a long term financial plan for my life.

Worse than my own financial security being at risk I could also see that there were many people who didn’t even have the so called security of a company pension plan and that for these people they needed to take responsibility for their own financial future. However, most people I came across were either not saving anything at all for their future or, if they were saving, were not putting aside anything like the amount they required to build up even a basic financial security later in life.

My passion for helping people understand the issues surrounding financial security was lit and I decided that I was going to leave my restricted job as a financial planner and start my own business to help as many people as I possibly could create more financial security in their lives.

I also realized that it was now up to me to build up my own resources in order to become financially secure when I retire and so I decided that rather than hand my hard earned money over to financial institutions to save for my retirement I was going to invest myself in assets that would grow long term and create the financial security I desired.

So, my life had turned and I was now a business owner, an investor and financial coach rather than an employee and so-called financial planner.

I have created ‘Your Money Puzzle’ and ‘Mastering Financial Success’, as a way to share my understanding of personal finance and enrich the lives of millions of people by guiding them to create their ideal lives.

I hope I can be of service to you and feel free to contact me at anytime if you need assistance. You can reach me at clayton@claytonjmoore.com

Good luck and best wishes

Clayton J. Moore