Most people think of retirement as the moment life finally opens up. Some defer everything until then. The windows exist now — you just have to recognize them.

Most people worry about running out of money. Fewer worry about running out of time. Fewer still think about running out of health. There's a window when all three align.

Retirement is one of the biggest transitions a couple will navigate together. The financial plan accounts for two people. The life plan rarely does.

Most people know what they're retiring from. Few know what they're retiring to. Work gave you more than a paycheck — and retirement takes all of it unless you plan for what comes next.