The first year after you stop working feels like a dream—then real life shows up. We map the true shape of retirement through four phases: the thrilling vacation year, the unexpected season of loss and being lost, the trial-and-error reset, and finally the reinvention that brings purpose back to the center. Drawing on insights from Dr. Riley Moynes, Tom Hegna, Dr. Wade Pfau, and years of client stories, we show why the nonfinancial side—routine, identity, relationships, and health—can make or...
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