“Post retirement planning can be more complex than pre-retirement planning because the entire structure of peoples’ finances changes dramatically, almost overnight. They have transitioned from the accumulation phase of their lives into the preservation phase, and that can be an eye opener”

“Consider how an early retirement could effect your retirement finances. Good planning is done early and often, and having retirement thrusted upon you sooner than expected can definitely throw some wrenches into your plans.”

“Sponsors can ask when people plan to retire, how much they will need to maintain their lifestyle, and the challenges they face.”

“People have been underestimating their retirement needs for years. Phased retirement options likely include some form of early access to retirement benefits that may dwindle a retiree’s overall pool of retirement benefits.”

“Sponsors need to be aware that the strategies they recommend for people at age 40 should be vastly different from the strategies they recommend for someone entering the preservation stage of life. Again, the only contributor to these accounts is the market.”