For some its getting on top of debt or leaving the treadmill. To work at what they love. Live where they want. Travel. Spending more time with friends and family. 

​

​

Perhaps a 'jolt' in life has occured. Ill health, a relationship breakdown, selling a business, a change in employment. An unexpected chance to forge a new life.

​

​

Retirement can bring new fears. Will money run out? Security and hapiness at risk? Loss of independence, purpose or self-worth. 

​