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.

Money solves survival. It doesn't solve thriving. Once your basic needs are met, more money only helps if you know what it's actually for.

Most of us are running a race we never consciously chose. The metrics were handed to us. Here's what it looks like to define your own finish line and run your own race.