If you or someone you love is entering retirement, be prepared for change. During this phase of life, there are many decisions to be made – decisions about money and housing, as well as how to use your time. Even if you are not near retirement, consider these peace of mind tips to begin thinking about how you envision life after work.

Before retiring outside of the US, do some serious soul searching and be honest about your relationships, money and desires.

In retirement, it’s okay not to be doing something all the time – enjoy and appreciate your down time.

Volunteer to increase happiness but be realistic about how much time you can commit.

Practice making decisions by balancing all perspectives from your head, heart and gut.

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