Two primary goals of retirement are financial security and emotional well-being. More people are making the choice to work later in life to achieve these goals. They find a successful transition to post-retirement, including partial-retirement, embraces the goals of satisfaction and solvency in retirement.

Recent research found 67 percent of employed Americans planned to work into their retirement. Whether because they enjoy working (83 percent) or want to stay active and involved (79 percent), they recognize the benefits to their overall well-being.

That same study says financial factors played a role in the decision to work beyond retirement age. Some need money to make ends meet (52 percent), while others have been hit by a decrease in the value of their savings or investments (38 percent). Others wish to maintain health insurance or other benefits (34 percent).

The most revealing aspect of the study was that, of the 67 percent who planned on working into their retirement, just 23 percent did. These statistics highlight the fact that retirement is a transition, not just an event. It is fluid and requires frequent adjustments and course corrections.

A successful transition to post-retirement (including partial-retirement), embraces the inherent psychological and emotional aspects of satisfaction, in addition to the need for financial solvency.

The good news is that we have spent the last couple of years developing a groundbreaking retirement solution to turn the wealth you have today into a steady and certain standard of living though retirement for you and your spouse. It guides you to make the needed financial adjustments and course corrections to get a better return on life!

ERBI; The 2015 Retirement Confidence Survey: Having a Retirement Savings Plan a Key Factor in Americans’ Retirement Confidence