MustafaW. M. W., IslamM., AsyrafM., HassanM., RoyhanP., RahmanS.2026-04-052026-04-052023Mustafa, W. M. W., Islam, M., Asyraf, M., Hassan, M., Royhan, P., and Rahman, S. (2023). The Effects of Financial Attitudes, Financial Literacy and Health Literacy on Sustainable Financial Retirement Planning: The Moderating Role of the Financial Advisor. Sustainability, 15(3), 2677.https://repository.iou.edu.gm/handle/123456789/359This study investigates how financial attitude, financial literacy, and health literacy shape sustainable retirement planning among self-employed individuals in Malaysia, and whether financial advisors moderate these relationships. Using structural equation modelling on survey data, it finds significant links among these variables and highlights the importance of advisory support.enArticle