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This Isn’t Just a Book...
It’s a Retirement Income Blueprint.
Inside The Canoe and the Current, you’ll discover:
Why most retirement plans are built to fail—and the simple shift that makes them last
How to escape the “Accumulation Trap” and stop guessing about withdrawals
The 4% Rule Myth—and why relying on it could sabotage your future
The Canoe and the Current Framework:
Your Canoe → guaranteed income for essentials
Your Current → flexible growth for freedom and fun
How to protect against inflation, healthcare costs, and the “silent killers” of retirement
The Survivor’s Strategy to ensure your spouse is secure, no matter what
How to retire with not just confidence, but purpose, generosity, and leadership
Ready to Build a Retirement Plan You Can Finally Trust?
"A great strategy in an easy to digest book"
"Loved this book. A very quick and engaging read. It's about finance, but you won't snooze while reading it. The author has a very concise writing style that pulls you through the narrative and reinforces the main themes of his strategy. The strategy itself makes perfect sense. This book will put your mind at ease as you face retirement."
- H. Melville
"Insightful and Helpful Read!"
Very insightful and helpful book! It's written in a way that I can understand and helped make sense of things to ease my anxieties about retirement. Highly recommend it!
- Lisa M.
"A Financial Guide That Finally Speaks Human"
The Current and the Canoe is that rare kind of financial book that actually makes you want to keep reading. Finally, here is a guide to money and life that does not bury you under jargon or make you feel like you need a finance degree to understand it. It is simple without being simplistic, profound without being pretentious.
- David T.
Retirement Isn’t About How Much You’ve Saved. It’s About How Long It Lasts.
You’ve worked, saved, and followed the rules. But if you’re like most professionals stepping into retirement, you’re still asking:
“What if I run out?”
“What happens if the market drops?”
“Will my spouse be okay if something happens to me?”
That uncertainty is exactly why this book exists.
Inside The Canoe and the Current, you’ll discover:
✔ How to flip your mindset from growth to income—so you stop worrying about returns and start living off reliable paychecks
✔ A framework that separates your essentials from your lifestyle dreams—removing fear from market volatility
✔ Tools to protect against inflation, healthcare costs, and longevity risk
✔ How to create a plan that lasts decades—not just years—while giving you the freedom to enjoy life today
✔ Why legacy and generosity are not afterthoughts, but part of a truly fulfilling retirement
This Book Is For:
Pre-retirees and retirees (ages 55–70) with $100k+ in income or assets
Professionals who “did everything right” but still feel anxious about retirement
Couples who want clarity, not confusion—and a plan both spouses can trust
Anyone tired of financial noise, outdated rules, and sales-driven advice
There Is No Catch
Just to put your mind at ease, there is no monthly charge that gets added to your order later, or any kind of "forced continuity".
It's not going to happen.
And there's a good reason why…
The Goal Of This Book:
The goal of this book is simple: to give you a retirement you can trust.
Most financial advice focuses on growing wealth. But retirement isn’t about growth—it’s about turning what you’ve already saved into steady, reliable income that lasts.
That’s why this book introduces you to a new framework: The Canoe and the Current. It’s not about chasing returns or following outdated withdrawal rules. It’s about building a paycheck system that covers your essentials, fuels your lifestyle, and protects your future—so you can finally stop managing money and start living retirement.
This isn’t a sales pitch. It’s a blueprint. One that helps you replace uncertainty with peace of mind—so your retirement becomes what it was always meant to be: a season of freedom, purpose, and security.
ABOUT THE AUTHOR
Patrick J. Negado is a retirement income specialist and the creator of The Canoe and the Current framework. After years in the financial industry, he grew frustrated watching retirees follow outdated rules—only to end up anxious and uncertain.
Through his work in retirement and estate planning, Patrick helps individuals and couples turn their savings into reliable income they can trust, using tools like annuities, managed money, and life insurance. His mission is simple: to give retirees clarity, peace of mind, and the freedom to enjoy the next chapter of life with confidence.