9 factors affecting happiness in retirement

(CNBC) — The gleam of your Golden Years is anything but certain.

A number of predictors indicate just how happy you'll be in retirement, Michael S. Finke, a certified financial planner, told attendees Tuesday at the American Institute of Certified Public Accountants' Advanced Personal Financial Planning Conference in Las Vegas. Some factors are under your control; others, less so:

Assets

One big predictor is, of course, money. Wealthier consumers tend to be more satisfied in retirement, although they're only spending about $10,000 more a year than middle-income folks, said Finke, director of retirement planning and living at Texas Tech University's department of personal financial planning.

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