The Queen of Pentacles, as the first tarot, indicates that Gianni has made wise and judicious financial choices in his journey thus far. This card represents financial stability, good savings habits, spending control, and smart planning. The Queen of Pentacles also symbolizes that Gianni had a keen eye in managing his investments and knew how to make the most of the opportunities available to him.

The reversed Chariot tells us that Gianni may have overlooked some important areas of his financial planning for retirement. This card indicates that he may have been too modest in his financial aspirations and neglected earning opportunities. Furthermore, the upside-down cart can mean that Gianni has focused too much on the material aspects of life to the detriment of the spiritual or emotional ones.

The reversed Moon suggests that Gianni should pay more attention to his financial strategies. This card symbolizes confusion and uncertainty regarding financial matters, showing that John may not have taken into account all factors pertinent to his retirement planning. The reversed Moon also implies that John may need to learn more about managing his money so that he can make the best and most informed decisions possible for his financial future.

In summary, these three cards underline the importance of good financial planning for Gianni's retirement. The charts indicate that John has made good financial choices so far but may have overlooked some important areas. Furthermore, they suggest that John could benefit from learning more about managing his money so that he can make the best decisions and make the most appropriate investments to achieve his future financial goals. To achieve this goal, John must be prepared to learn how to manage his money responsibly and consider all relevant factors in his future financial decisions.