No one ever really starts their career with the end in mind. Often, it's not until many decades down the track that people find themselves suddenly on the edge of retirement.

Long-time contributor to Business in Focus is chartered accountant Ray Cummings, has been thinking long and hard about the next stage in life, and wants to share those thoughts with others who are running their own practice, who also might be retiring, whether it’s soon or sometime in the future.

<p>No one ever really starts their career with the end in mind. Often, it's not until many decades down the track that people find themselves suddenly on the edge of retirement.</p>
<p>Long-time contributor to Business in Focus is chartered accountant Ray Cummings, has been thinking long and hard about the next stage in life, and wants to share those thoughts with others who are running their own practice, who also might be retiring, whether it’s soon or sometime in the future.</p>

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