You’ve probably spent more time planning your last holiday than you have planning the 30 years after you stop working. That sounds harsh. But it’s true for most people I work with. Ask someone what they want to do in retirement and you’ll usually hear the same things: travel, spend time with the grandchildren, play a bit of golf or pickleball. There’s nothing wrong with any of that. But it’s not a plan. It’s a wish list with no detail. One of my clients told me she wanted to “finally have time to enjoy life.” When I asked her what a typical Tuesday would look like in retirement, she went quiet. She hadn’t thought about it. That’s surprisingly common. People spend more time planning a two-week holiday than they do planning a retirement that might last 30 years. I always tell my clients: retirement has three phases. The active years, where you’ve got energy and want to do everything. The slowing-down years, where your priorities shift. And the later years, where health and support become...