Nobody Plans Their Retirement on a Good Day I’ve spent my career in financial services - over 30 years of it. I’ve worked for large corporations, built my own practice, and helped thousands of people plan for retirement. And if there’s one thing I’ve learned in all that time, it’s this: almost nobody picks up the phone because everything is going well. There’s usually a moment. A trigger. Something that makes retirement feel real instead of distant. For one of my clients, it was a health scare. Nothing life-threatening in the end, but enough to make her think: “What am I waiting for?” For another, it was redundancy at 57. The company restructured, offered him a package, and suddenly the retirement he’d vaguely planned for “someday” was staring him in the face. And for plenty of others, it’s something quieter. A milestone birthday. A colleague who passed away too young. A Sunday evening feeling of dread about Monday morning that just won’t shift. These moments aren’t pleasant. But they’...