About this Newsletter

Welcome to Harmonious Futures — a publication by Neil Dissanayake of Planet Positive Planning, helping you build and finance a purpose-driven second half of life that supports both you and the planet.

I’m glad you clicked through. If you’re approaching — or are already in — the second half of life, and sensing that the usual retirement playbook doesn’t quite fit, you’re in the right place. This is a space to rethink how you plan the years ahead — your money, your work, and your purpose — and to move beyond the traditional approach we’re typically sold.

Three themes I cover in my writing.

Reimagining the second half of life

This isn’t about planning for an end-game and leaving work behind entirely. It’s about designing a transition into a new stage — one where you live with purpose, on your own terms, and can still earn from doing what you genuinely love. Retirement, reframed as a beginning rather than a full stop — whenever that may start.

Planning for a changing world

The future we’re planning for will look very different from the past. Climate change, biodiversity loss and other global shifts are already reshaping the landscape — and we’re also on the cusp of one of the fastest economic transitions in history.

It’s unsettling, but it’s also a genuine opportunity: we could be the first generation to live well and in balance with the planet. All of this has real implications for how you build and manage your future wealth.

Redefining financial risk

The traditional view of risk — the ups and downs of investment returns — is no longer enough. Real planning now means asking how these bigger changes affect you personally and financially: diversifying your future income, aligning your money with the world you want, and building resilience across every part of your life.

Not handing those decisions to someone else by default, but understanding them well enough to make them your own.

What I do — and what I don’t

A financial adviser makes the decisions for you. A coach helps you think, but rarely about your money. I sit deliberately in between: I bring over 20 years of financial expertise, but I use it to help you understand your own situation and make your own confident decisions — about the years ahead, the future you’re heading into, and what your money is doing in the world.

You stay in control; I make sure you’re equipped to be. I don’t manage money or sell products — just impartial, fixed-fee guidance.

Join the Harmonious Futures club

If this resonates, I’d love you to subscribe. Feature articles are open to everyone; subscribing gives you free access to additional resources, and ensures new articles land in your inbox as soon as they’re published.

You’ll be joining a community of like-minded people — whether you’re just starting to consider your next steps or planning a complete life transformation — working towards a brighter future for themselves and the planet. I also welcome guest articles and contributions that support the mission, so do get in touch if you’d like to share.

About Me

I’m Neil Dissanayake — an experienced actuary, financial risk manager and financial future coach. I founded Planet Positive Planning to help people take control of their financial future, live the life they want, and have a positive impact on the planet. My aim is to inspire and equip others to take confident, positive action — for themselves and for the world they’re retiring into.

Thanks for reading!

Ready to take a first step?

If you’d like to see where you actually stand, start with a Financial Future MOT — a structured, honest picture of your finances today, with a written report and a 45-minute call. It’s the clearest first step toward designing what comes next. You can find it via my website, or book directly from the MOT page.

This website is for informational purposes and does not provide specific investment advice. Copyright Planet Positive Planning Limited. Contact me by email at neil@planetpositiveplanning.com. Planet Positive Planning Limited is a service sector trading company, providing "educational financial services" and regulated by the Competition and Markets Authority and Registered in England and Wales number 15759784. As defined by PERG8.26 of the FCA Handbook, these services do not require FCA regulation. Registered office address 2 Joshua Pedley Mews, London, E3 2ZE, United Kingdom. Information Commissioner's Office reference number C1531204.