The Effects of Financial Attitudes, Financial Literacy and Health Literacy on Sustainable Financial Retirement Planning: The Moderating Role of the Financial Advisor

Financial planning for retirement is essential to ensure that people have enough money live the lifestyle they desire when retire. Self-employed business owners in developed countries widely do financial planning. However, Malaysia, percentage of self-employed individuals concerned about lower than other countries. This study aims identify relationship between attitude, literacy and health toward sustainable Malaysia find out moderating effect role advisors. The utilized structural equation modelling. Data were collected through a survey questionnaire analyzed using SMART PLS 3.3. total sample size was 416 from northern Malaysian region. findings revealed attitude significantly impact Moreover, advisors moderates attitude–financial literacy–financial result will fulfil needs plan their by including determinants needed well-planned retirement.