I’m Jos Lema, and I’m delighted to welcome you to Wadcents.com. If retirement planning interests you, then you’ve come to the right place. Let me tell you a bit about who I am and what I bring to the table.

I hold a Bachelor of Commerce degree with a specialization in Accounting & Finance. Also, as a Certified Public Accountant, I’ve delved deep into the world of finance, equipping myself with the knowledge and skills needed to make sense of the intricate financial jargon.