The key benefits of intentional planning and preparation for retirement. And the example of a Retirement Preparation Plan.

This newsletter issue’s topic is strongly related to the first issue because intentional planning and preparation help a lot in letting go of retirement uncertainty.


Most retirees who say they fully enjoy their retirement life also say they thoroughly planned and prepared for it.

And most of those who currently don’t feel fulfilled and happy agree and say they regret that they didn’t invest much time and energy in the planning and preparation of their transition into retirement.

Why is that? Why is the planning and preparation for retirement such an important success factor?

Let’s explore the two types of benefits of intentional retirement planning: the practical advantages and the positive impact on our mindset and emotional well-being.

Practical benefits of preparing for retirement

Planning ahead allows us to avoid stress and uncertainty as we approach retirement and makes it easier to structure and organise our daily retirement life as we want it. 

These are some examples of practical benefits:

Financial readiness

Evaluating savings, investments, and income sources helps us make necessary adjustments in advance, ensuring long-term financial security and peace of mind.

Lifestyle clarity

Identifying what we want our retirement to look like – travel, hobbies, work, volunteer work, or spending time with family, for example – helps structure our daily life purposefully.

Housing and location decisions

Deciding on living arrangements in advance – for example, downsizing, relocating, or ageing in place – prevents rushed decisions with potentially negative consequences.

Health and well-being planning

Evaluating healthcare options and insurance coverage and engagement in healthy activities and routines support a higher quality of life and health.

Decluttering and organising

Simplifying possessions, paperwork, and digital assets reduces stress, creates space and clarity, and makes daily life more manageable.

Emotional and mindset benefits of retirement planning

Beyond practical preparation, actively planning for retirement fosters a positive outlook (“I’m active and in control”) and emotional resilience (“I’m well prepared”).

It allows us, for example, to:

Feel in control and empowered

Rather than facing retirement passively, planning gives us a sense of agency over our future.

Reduce anxiety and uncertainty

Knowing what to expect and having a plan in place eases worries about the unknown.

Maintain a sense of purpose

Structuring our retirement around meaningful activities keeps us engaged and motivated.

Strengthen relationships

Preparing in advance allows us to discuss expectations with loved ones and cultivate a strong support system.

Stay active and engaged

A well-thought-out plan encourages ongoing learning, social interaction, and personal growth.

How can you enjoy the benefits of intentional planning when you are already IN retirement?

It’s never too late to make a plan – and act on it.

If you’ve already entered retirement without a structured plan, don’t worry – there is still plenty of time to create a life you enjoy. Retirement is not a rigid destination but an ongoing journey.

Start by assessing where you are now and identifying areas you would like to improve. Focusing on one or two manageable steps, such as organising your finances, exploring new hobbies, reconnecting with old friends, or setting a loose daily routine, can make a significant difference.

Approach this stage with curiosity and openness, and allow yourself the flexibility to design a life, step by step, that truly aligns with your needs and aspirations.

Example of a Retirement Preparation Plan – to help you get started

The example plan not only offers a selection of action areas you could choose from – it also reminds you of the benefits you will enjoy while you are acting:

Define your vision

    • Practical Benefit: Helps create structure and direction for daily life, reducing uncertainty.
    • Emotional Benefit: Provides a sense of purpose and excitement for the future.

Review your finances

    • Practical Benefit: Ensures long-term financial security and prevents unexpected difficulties.
    • Emotional Benefit: Reduces stress and builds confidence in financial decisions.

Organise important documents

    • Practical Benefit: Saves time and avoids legal or financial complications.
    • Emotional Benefit: Provides peace of mind knowing everything is in order.

Declutter and simplify

    • Practical Benefit: Creates a more manageable and stress-free living space.
    • Emotional Benefit: Provides a sense of clarity, spaciousness, lightness.

Plan your daily structure

    • Practical Benefit: Keeps the day organised and fulfilling.
    • Emotional Benefit: Prevents feelings of aimlessness and boosts motivation.

Strengthen social connections

    • Practical Benefit: Prevents isolation and keeps relationships strong.
    • Emotional Benefit: Enhances happiness and mental well-being.

Prioritize health and wellness

    • Practical Benefit: Supports longevity and physical well-being.
    • Emotional Benefit: Boosts confidence, self-care, self-control.

Explore new opportunities

    • Practical Benefit: Keeps the mind sharp and engaged.
    • Emotional Benefit: Encourages curiosity and personal growth.

Communicate with loved ones

    • Practical Benefit: Avoids misunderstandings about expectations in retirement.
    • Emotional Benefit: Strengthens family bonds and emotional security.

PRACTICAL TIP:

Browse these suggestions, then pick ONE action area you want to focus on now.

Remember: Even big plans can be realised – if we approach them step by step.

In the coming articles, we will discuss successful retirement planning and organisation in more detail as well as a broad range of tools and strategies that help us create the retirement life we want and love to live.

Uncertain about retirement? Here are the concerns of stepping away from work and how to overcome them.


This is the first issue of the newsletter, ‘Retirement Success Strategies for Professionals’.

We start our exploration of expert tips, practical tools, and proven strategies for a fulfilling retirement today – with an awareness exercise.

There is no need to take action immediately.

The purpose of this first article is to help you uncover and better understand your current beliefs and concerns about retirement.

The coming newsletter articles will offer

    • guidelines and exercises to help you overcome any retirement-related challenges and obstacles,
    • as well as tools and strategies for the design and realisation of your personal retirement action plan.

Don’t forget to sign up for my email newsletter – to ensure you don’t miss any of the Retirement Success Strategies.

 

Now let’s dive in!

Uncertain about retirement? Here are the concerns of stepping away from work and how to overcome them.

As a professional nearing or already in retirement, you may find yourself facing unexpected challenges. Some challenges arise from your concerns and beliefs about retirement, and you may not yet be aware of all of them.

The goal of today’s awareness exercise is to help you recognise any limiting thoughts and worries, allowing you to approach your retirement life with an open mind and make intentional decisions about it.

These are some of the most common concerns you may encounter, along with suggestions for navigating them:

 

->   IDENTITY AND PURPOSE

Loss of professional identity

Leaving behind a career that has defined our success, status, and self-worth can create an identity crisis. (‘Who am I? Who do I want to be now?’)

Suggestions – Start redefining who you are beyond your job title. Consider advisory roles, mentoring, or engaging in activities that align with your skills and values. Explore new passions and redefine success on your terms.

Fear of losing influence and relevance

The idea of becoming “invisible” or less valued without our professional role can be unsettling.

Suggestions – Recognise and celebrate your achievements while redirecting your attention towards continuous personal growth. Writing a book, for example, engaging in a community project or pursuing intellectual interests, can provide a sense of continued achievement.

Uncertainty about what’s next

Without a clear purpose beyond work, the future can seem empty or directionless.

Suggestions – Start to develop a vision for the next phase of your life. Try new activities, travel, or volunteer. Use your expertise in new professional or community roles. Test different options to discover what excites you before making long-term commitments.

 

->   LIFESTYLE AND DAILY-LIFE STRUCTURE

Disrupted daily routine

Without a structured workday, we may feel aimless or unproductive.

Suggestions – Establish a new routine with planned activities, exercise, social engagements, and personal projects. Treat your time as a valuable resource and plan it intentionally.

Adjustment challenges

Going from a high-pressure, fast-paced career to a slower lifestyle can be mentally and emotionally challenging.

Suggestions – Ease into retirement gradually. Consider taking on part-time work, consulting, or setting short-term goals to maintain momentum while adjusting to the change.

Limited personal interests

If work was our primary focus, we may struggle to find fulfilling hobbies or activities.

Suggestions – Experiment with different pursuits – sports, arts, volunteering, travel, or learning a new skill. The key is to stay curious and open-minded.

 

->   RELATIONSHIPS AND SOCIAL NETWORKS

Social disconnection

Losing daily interaction with professional networks can lead to feelings of isolation.

Suggestions – Maintain and expand your network. Join an interesting association, attend industry events, and stay connected with colleagues. Additionally, reconnect with old friends, build new friendships through shared interests, join sports clubs, etc.

Changed family dynamics

Spending more time at home can shift relationships with our spouse or family in unexpected ways.

Suggestions – Engage in open discussions about your expectations and aspirations, as well as your need for personal space. Create a balance between togetherness and individual activities to maintain harmony.

Peer comparisons

Seeing former colleagues pursue impressive post-retirement careers may cause self-doubt.

Suggestions – Define success on your own terms. Focus on what brings you joy rather than competing with others. Everyone’s retirement journey is unique. Focus on your achievements and future goals.

 

->   AGEING-RELATED CONSIDERATIONS

Fear of ageing and decline

Retirement can be a stark reminder of ageing and potential health concerns.

Suggestions – Prioritise physical and mental wellness. Stay active, eat well, challenge your mind, and maintain regular medical check-ups to feel in control of your health.

Negative social stereotypes

Cultural narratives sometimes equate retirement with being less capable or relevant.

Suggestions – Challenge these stereotypes by staying active and engaged. Be curious and open to personal growth options. Retirement is an opportunity to reinvent yourself.

Finality of retirement label

Phrases like “the last chapter” can feel limiting and disempowering.

Suggestions See retirement as a journey, not an endpoint. View it as a time of reinvention and new opportunities rather than closure. It doesn’t matter what others think about retirement; what and how you think about it matters. And that’s 100% your choice.

 

PRACTICAL TIP:

Take the time to thoroughly review the list and identify your own concerns.

Also, read carefully through the list of action suggestions offered below each concern.

They will open your mind to the fact that each of the listed concerns – and any other worries you might have – is actionable and solvable.

 

I hope this little self-reflection exercise helps you better understand your current thoughts and concerns about retirement life – and motivates you to explore the first steps you could take to start creating the life you want.

In the next article, I will discuss why intentional planning and preparation for retirement is an essential prerequisite for the realisation of your retirement dreams.


 

Enjoy retirement more – with less unwanted habits

Break bad habits easily: The 10-minute rule for retirees

Breaking an unwanted habit doesn’t have to be overwhelming. A simple and effective technique is postponing the habit for 10 minutes. This small shift can make a huge difference in changing behaviours and regaining control.

How the 10-Minute rule works

Instead of forcing yourself to quit a habit abruptly, practice delaying it. When the urge arises, tell yourself, “Not now, but in 10 minutes.” This small delay reduces impulse actions and gradually weakens the habit.

Example 1: Reducing screen time

Many retirees find themselves reaching for their phones out of boredom, stress, or habit. Instead of immediately checking notifications, try this:

    • When you feel the urge to grab your phone, pause and say, “Not now. I’ll check it in 10 minutes.”
    • Place your phone in another room or face down to resist temptation.
    • Set a visual reminder on your lock screen, such as a motivational quote or calming image.

After 10 minutes, you may realize that the urge has passed, and you no longer feel the need to check your phone.

Example 2: Cutting back on coffee

If you want to reduce caffeine intake, applying the 10-minute rule can help:

    • Place a sticky note near your coffee machine with the words, “Not now.”
    • When you feel like having another cup, delay it by 10 minutes.
    • Engage in a different activity, like drinking water or stretching, to distract yourself.

Over time, you might find yourself drinking less coffee without feeling deprived.

Why This Method Works

The goal isn’t to completely eliminate the habit immediately. Instead, postponing it weakens its automatic nature. Here’s why this technique is effective:

    • Reduces impulsive actions by giving you time to reconsider.
    • Breaks the cycle by delaying instant gratification.
    • Increases self-awareness of triggers and habitual behaviours.
    • Encourages mindful decisions rather than acting on autopilot.

Small delays lead to big changes

By using the 10-minute rule, you take small yet powerful steps toward breaking unwanted habits. Over time, you might even forget to indulge in them at all! Try this technique today and notice the difference in your daily routines.


If you are determined to enjoy a meaningful retirement, my newsletter ‘Retirement Success Strategies for Professionals’ is for you.

Every week, I will share proven strategies & practical tools that will help you create the retirement life you want.

Sign up for the newsletter here.

Retirement Success Strategy: The power of a second goal

What happens after we set ourselves a challenging goal?

The next step is usually figuring out how to achieve it. We identify the actions needed or the behaviours to develop. We might even create a detailed action plan. Then, hopefully, we follow through.

However, as we all know, sticking to our plan isn’t always easy. Motivation often wanes.

One way to boost motivation and willpower is to attach a second desirable outcome to our original goal.

Strengthening motivation with a second goal

Consider these examples:

    • Joining a running club improves fitness (original goal) and helps you meet new people (additional goal).
    • Decluttering your home creates more space and order (original goal) while clarifying your values and priorities (additional goal).
    • Volunteering in a community project gives a sense of purpose (original goal) and helps you build new friendships (additional goal).

Exercise

Think of a goal you struggle to achieve. Ask yourself:

    • How could the actions I take to achieve this goal also lead to another rewarding outcome?
    • What additional benefits might I gain that I haven’t considered?

Write everything down. Don’t just think about it – put it on paper! Brainstorm all the added benefits that come with working toward your goal.

Then, when motivation dips, remind yourself that you’re not just achieving one goal—you’re achieving multiple benefits at the same time!

My experience with this strategy

I recently used this approach to boost my motivation for writing my weekly newsletter.

While I usually enjoy it, there are times when I struggle. This exercise showed me how many valuable outcomes stem from my writing habit:

    • I provide helpful retirement-organising tips to my subscribers (original goal).
    • I develop and refine new organising and retirement success strategies (additional goal).
    • These strategies improve my coaching sessions (another bonus).
    • And they help me simplify my own life (yet another outcome!).

Now, I no longer see writing my newsletter as just a single task. It’s an opportunity to grow, contribute, and improve multiple areas of my life—all at once.

By linking additional meaningful outcomes to your goals, you can do the same!


If you are determined to enjoy a meaningful retirement, my newsletter ‘Retirement Success Strategies for Professionals’ is for you.

Every week, I will share proven strategies & practical tools that will help you create the retirement life you want.

Sign up for the newsletter here.