Most people would say they know what matters to them. Ask them to describe a typical Tuesday, and a different picture emerges. Here's a framework for closing the gap.

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.