Retirement Advice from Those Who’ve Been There


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Retirement is a major life milestone that brings both excitement and challenges. If you’re approaching retirement, it’s natural to have questions and uncertainties about this new chapter. Who better to ask for advice than those who have already walked this path? In this blog post, we’ll share some top tips from real retirees, as well as insights from retirement planning experts.


1. Maintain Harmony in Your Relationship

  • Tip: Avoid driving your spouse crazy; sudden 24/7 togetherness can be challenging.
  • Why: Spending more time together in retirement can be an adjustment, so finding a balance is key.

2. Find Your Post-Retirement Purpose

  • Tip: Discover what drives you and gives you a sense of purpose beyond your career.
  • Why: Retirement isn’t just about financial planning; it’s also about finding fulfillment in new activities or causes.

3. Embrace Flexibility

  • Tip: Be prepared to adjust your retirement plans based on changing circumstances or priorities.
  • Why: Sometimes, life throws unexpected curveballs, and being adaptable can make your retirement more fulfilling.

4. Test Drive Your Retirement

  • Tip: Consider trying out aspects of retirement before fully retiring to see if they suit you.
  • Why: It’s like trying on a new lifestyle to see if it fits before committing fully.

1. Missing the Work Environment

  • Insight: Some retirees miss the structure and camaraderie of the workplace.
  • Advice: Find ways to maintain social connections and a sense of purpose in retirement.

2. Be Prepared for Changes in Dreams

  • Insight: Dreams and priorities can change in retirement, requiring flexibility.
  • Advice: Communicate openly with your partner about your retirement dreams to avoid surprises.

3. Tailor Your Retirement to Your Preferences

  • Insight: Every retirement is unique, and there’s no one-size-fits-all approach.
  • Advice: Customize your retirement plan to align with your interests, whether it’s travel, hobbies, or work.

4. Plan for Financial Flexibility

  • Insight: Financial planning should allow for different retirement lifestyles.
  • Advice: Have a financial plan that supports your desired retirement lifestyle, whether it’s modest or extravagant.

1. Income Strategy

  • Tip: Focus on building an income plan, not just accumulating savings.
  • Why: A written financial plan can help you feel more financially stable and confident about your future.

2. Overlooked Aspects of Retirement Planning

  • Insight: Investments are important, but so are other aspects like turning your money into income, minimizing taxes, and protecting against healthcare costs.
  • Advice: Turn off the noise of investment advice and focus on creating a comprehensive retirement plan.

3. The Custom Built Retirement Review

  • Tip: Consider getting a custom built retirement review to help create your income strategy.
  • Why: Nearly 70% of Americans are missing a written financial plan, and having one can help you feel more prepared for retirement.

In conclusion, retirement is a unique journey for everyone, and there’s no one-size-fits-all approach. By taking the time to understand your goals and priorities, as well as learning from those who have already retired, you can create a retirement plan that aligns with your dreams and provides financial stability for the future.


Learn more about your current financial status and how you can achieve your retirement goals with our ‘No Obligation, No Cost’ Five Step Retirement Review.

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