The average retirement age in the U.S. is 61, according to a 2022 Gallup survey. But the target age for retirement is 66.
However carefully you may plan for your retirement, the actual event might still catch you off guard.
“When it comes to financial planning, you can plan for the perfect scenario, but you also need to plan for the unexpected. If you haven’t at least thought about Plan B or Plan C, you don’t really have a comprehensive financial plan in place,” said Michael Berkhahn, vice president of Graham Capital Wealth Management.
“It’s very emotional to be displaced [or] let go [from a job]. People feel they don’t have control. People have knee-jerk reactions that can get them in trouble,” Cortazzo said. Another topic to broach with your financial adviser is how to rebalance your investments to match your new retirement status, Berkhahn said.
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