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The ADA Framework is a straightforward and handy tool that we can use to solve any problem, make any changes, and design and realise any project.

Whenever we feel confused or stuck, we can ask:

How can I gain more awareness/clarity – and use it to make decisions and take action? And create the results I want?

 

In this article, following the steps A/Awareness, D/Decision, and A/Action will help you create a personal strategy for a successful transition into retirement. 

#1 – AWARENESS – Build a clear understanding of your starting point.

1. 1. Identify challenges and concerns:
      • What specific fears or concerns do you have about retirement?
      • What limiting beliefs might be holding you back?
   2. Explore desired outcomes:
      • Who do you want to be, and how do you want to show up?
      • How do you want to fill and structure your daily life?
   3. Self-assessment questions:
      • What personal strengths, skills, and passions could help you shape your retirement?
      • What values are most important in this phase of your life?

PRACTICAL TIP – Create three lists: One for current challenges, one for desired outcomes, and another for your personal resources. Use these as a foundation for your retirement strategy.

#2 – DECISION – Set priorities and choose goals.

1. 1. Define success:
      • How do you want to define a “successful” and fulfilling retirement?
      • What goals would make this new phase meaningful and rewarding?
   2. Describe the desired outcome:
      • Write a short statement describing your ideal retirement experience. For example: “I want a retirement filled with learning, travel, meaningful contributions through mentoring, and quality time with loved ones.”
   3. Set priorities and specific goals:
      • Which areas of life need the most attention, and how will you ensure they become your priorities?
      • What specific goals would you like to achieve within the first year of retirement?

PRACTICAL TIP – Use a vision board, mind map, or simple bullet points to outline your retirement plans, your priorities and your core goals. This will serve as a guiding document as you move forward.

#3 – ACION – Take first action steps, evaluate and adapt.

1. 1. Create an action plan:
      • List 3-5 key actions you can take in the next three months to begin exploring and building the retirement life you want.
      • Identify specific milestones and deadlines that will help you stay on track.
   2. Build a support system:
      • Who can help you achieve your retirement goals?
      • What networks or communities could you join for social and professional engagement?
   3. Evaluate and adjust:
      • Schedule regular check-ins (monthly or quarterly) to review your progress and adjust your action plan.
      • Reflect on what’s working and what needs to change.

PRACTICAL TIP – Use a tracking tool, planner, or journal to monitor your goals, progress, and lessons learned. Reward yourself when you hit key milestones.

IMPORTANT PRACTICAL TIP

Designing our retirement life is a huge task – and we don’t need (and can’t) do it in one go!

As soon as you start to feel overwhelmed or frustrated, it’s time to lean back and intentionally choose what to FOCUS on right now:

• • Choose ONE task or life area you want to work on.
  • Set SPECIFIC goals (the smaller, the better).
  • Set SHORT-TERM timeframes.

The following case study is supposed to demonstrate the importance of focus and the effectiveness of the ADA Framework:

CASE STUDY

Summary of the three steps of the ADA framework:

Step 1 – Awareness

Identify current challenges, limiting beliefs, and desired outcomes to build a clear understanding of your starting point.

Step 2 – Decision

Make decisions about what you want your life to look like and describe it in a vision statement. Set priorities and choose goals.

Step 3 – Action

Take intentional action steps toward your goals, seek support, and stay adaptable and flexible when circumstances or goals change.

If you have any questions about the ADA Framework,  please get in touch (margot@letgo-moveon.com.au).

 

Before choosing our priorities for retirement, defining our core goals, and planning our next action steps, we need to explore the key topics of our current and future life.

We need clarity on where we are now and where we want to go/be.

Then, we can decide how to bridge the gap between the here and there and choose the priorities, goals, and actions to create a life structure that supports and enables the retirement life we want.

Exploration of the key topics of your life

I suggest you schedule a series of meetings with yourself on your calendar to ask and answer a series of questions.

The following list suggests essential life topics to consider and offers example questions to help you get started.

Adjust the list to your circumstances and requirements: Add to the list what you miss and take out what’s not relevant to you.

Topic 1 – Your Identity

Who are you right now? What are the essential parts of your current identity? – Which of these parts will you take along into your retirement? What do you need/want to change about the person you are right now? What are the essential parts of your new identity?

Topic 2 – Your Purpose

What are your current values, beliefs, and the things you stand and fight for? – What are the topics, goals, passions and interests you want to focus on in the future? How do you want to (re-)define the meaning of (your) life?

Topic 3 – Your mindset and mental fitness

How do you feel about retirement? What are your thoughts and emotions when you imagine this new phase of life? Are there fears or uncertainties holding you back? – What beliefs do you want to let go of? What new perspectives do you want to adopt? How will you keep your mind engaged, flexible, and resilient?

Topic 4 – Your relationships

What does your social network look like just now? Who are the important people in your life? What do you appreciate in your relationships, and what frustrates you? – Who will naturally drop out of your contact list? Who do you want to add? Which relationships do you want to change or intensify?

Topic 5 – Your physical health

How do you currently feel physically? What are your strengths and challenges regarding your health and fitness? – What habits do you want to keep, improve, or introduce to maintain and enhance your physical well-being? What role will nutrition, exercise, rest, and medical care play in your retirement plan?

Topic 6 – Your financial security

Do you have a clear understanding of your financial situation? Are your current resources aligned with the lifestyle you envision? – What steps can you take to feel more financially secure? What adjustments might be necessary to sustain financial stability and independence throughout retirement?

Topic 7 – Your personal development

What new skills, knowledge, or experiences excite you? Are there interests or talents you’ve never had time to explore? – What forms of learning and personal growth do you want to prioritise? How will you challenge yourself to continue evolving?

Topic 8 – Your professional and social engagement

Do you want to stay professionally active in some way? What role will work, volunteering, or mentoring play in your life? – What kinds of projects, initiatives, or social causes could offer you a sense of purpose and fulfilment? How will you balance engagement with flexibility and leisure?

Topic 9 – Your lifestyle, home, and living environment

Where do you want to live, and what environment best supports your happiness and well-being? Does your current home fit your vision for retirement, or would a change be beneficial? – How will you structure your daily life to include the activities, routines, and surroundings that bring you joy?

PRACTICAL TIP:

Don’t overcomplicate or overthink this exercise.

This is just the starting point of an ongoing journey.

However, the journey can only start if you take the first step. I recommend you do it in writing.

Write down whatever comes to your mind; there are no wrong questions or answers.

The goal is to understand yourself and your ideal retirement life better.

Important:

If you feel intimidated by the first two topics – identity and purpose – I suggest you put them aside for some time.

Instead, start exploring other life areas that you find more approachable. Finding your answers in those areas will automatically help you clarify how you want to define your identity and purpose.

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In the next newsletter article, I will describe how the ADA Framework (Awareness/Decision/Action) can help us define clear goals and action steps – so we start to actively create the retirement life we want.

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.

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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.

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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.

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