Your Journey "TransFORMation into retirement is a process of discovering who you can be in retirement. Even when you can't control when you retire, you can plan for the kind of life you want to live."— TYSON JON RAYWhile retirement eliminates the day-to-day stress of the workplace, the end of a regular paycheck can serve as a new source of stress. It isn’t easy to spend the savings you’ve worked so hard to build, especially if you fear spending too much too soon and running out of money. This is not the retirement you deserve.Our goal is to guide you to your “Retirement Utopia” – that place where you are living the life you want, where you are content with what you have, where you trust you have planned well, and are living that plan. Then your focus can shift from fear to contentment, where you are not afraid of running out of money, where you are living your life in the best way possible.We have learned a few secrets from many clients who have achieved their utopia. The most important of these secrets is to know who you are and what you want.We’ve also seen that retirement unfolds in stages. And with each stage of retirement, your wants and needs change.The “Go Go” Years of RetirementAfter working hard for many years you have time for fun. You want to see places, visit grandchildren, or maybe purchase the dream boat, motorcycle, or RV. You simply want to fully enjoy the freedom of retirement. Yet you worry about spending too much too soon. We realize that you might spend more on travel and fun in the first few years of retirement than in the rest of your retirement years combined. With proper planning, you should be able to enjoy your life without the fear of running out of money.The “Slow Go” Years of RetirementA life well-lived often slows down a bit simply because you begin to run out of things you want to do or buy. At some point, the desire to “go” wanes as it becomes more physically challenging. A need once met no longer satisfies—the first visit to Europe is amazing, the second good, and the third may confirm that a fourth isn’t necessary. At this point, your home and community often provide great satisfaction. Your desire to travel and explore may be replaced with joys closer to home–family, friends, or charity.The “No Go” Years of RetirementIt isn’t fun to think about the “No Go” years, but for many of our clients, these are actually life’s best years. If you have lived well, these years become the time you fondly remember your life and you share with friends, families and others the lessons from your past. These are the years where you shift your spending from things you want for yourself to giving resources and doing things for others. At this point you may start to see your legacy taking form.Our goal is to help you balance spending in the active “Go Go” years with the lessening needs of the “Slow Go” years, and to reach the “No Go” years without regrets. Through on-going conversations about your hopes and dreams, along with planning to fund them, we will help you accomplish as many goals as possible, and enjoy listening to you reflect on your life as one that you judge well-lived.