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.

Retirement doesn't just end a career. It removes the identity that came with it. Here's how to think about who you are when the title is gone — and who you want to be next.