Kurere, Cornelius Kipkemei. “Risk Tolerance and Retirement Planning Among Employees of Selected Public Universities in Kenya: The Moderating Role of Financial Self-Efficacy”. Journal of Economics, Management Sciences & Procurement 5, no. 1 (October 9, 2026): 241–254. Accessed October 13, 2026. https://jemspro.org/index.php/pages/article/view/107.